Many people fall between good credit and bad credit, ranking as fair or average credit. Credit cards which are designed for those with bad credit often have rather unfavorable terms and interest, while those which are designed for those with good or excellent credit in mind are rich in rewards. You have worked hard to get your credit score into the average range, so perhaps it is time to ditch those credit cards you may have that offer you little in the way of rewards and perks by upgrading your credit cards to one that offers you better interest rates and perhaps a rewards program that suits your lifestyle.


Capital One QuicksilverOne Cash Rewards Credit Card

We start out with an excellent credit card for those with only average credit. Unlike the cards for those with poor credit, this card features a rather nice rewards program, you receive 1.5% cash back on every purchase, every day, every time. Many cash back rewards programs feature annoying rotating categories, but not this card. Another nice feature of this card is you can redeem any amount of cash back and at any time, many cash back rewards cards require you to meet a minimum amount in order to cash out. Still think it can’t possibly get better? It does, the points you earn never expire, and there is no limits or caps on how much you can earn. While your credit line may be low to start if you just recently raised your credit score from poor to average credit, your credit line will increase if you make your first 5 payments on time.

Chase Slate
This card is perfect if you are just upgrading from a card that was for people with bad or poor credit and you still carry a balance on the old credit card. This card offers you a zero percent APR on balance transfers and new purchases for 15 months. Yet it gets even better, you also catch a break on the balance transfer fee, any balance transfer made during the first 60 days has the balance transfer fee waived! No frills like a rewards program, but this card has no annual fee, and the APR rate ranges from 12.99% to 22.99%.

Chase Freedom®
Another offer from chase, this one has a rewards program unlike the last card we featured from Chase. This card also offers a sign up bonus of $100 after you spend at least $500 with your credit card with in the first 90 days of opening your account, you also earn $25 if you add an authorized user who also makes a purchase with in 90 days of opening the account, making the sign up bonus potential worth $125. The rewards program features revolving categories, You earn 5% Cash Back on up to $1,500 in purchases from October 1 to December 31, 2014 at Amazon.com, Zappos.com and other fine department stores. The only drawback to the rewards program is that you have to activate your bonus each quarter for the revolving categories. You earn Unlimited 1% Cash Back on all other purchases. Your rewards will never expire provided that your account remains in good standing. You also earn qualify for a 0% Intro APR for 15 months on purchases and balance transfers. What makes this card different than the offer above? The interest is slightly higher on this card vs the Chase slate, 1% on the low end and 2% on the high end interest wise.


Barclaycard Rewards MasterCard – Average Credit

This card packs a lot of value for a card for those with just average credit. You earn 2x the cash back rewards on gas, grocery and utility purchases, and 1 point per dollar spent everywhere else. You have no caps on the cash back you can earn, your points also never expire provided that your card remains in good standing. 1000 Points is worth $10, and you can redeem your points for cash back or gift cards for some of your favorite stores and merchants. There is no annual fee for this card and the APR is variable up to 24.99%. This card also has no annual fee. If you have just rebuilt your credit score, this card helps you maintain your credit score by offering Complimentary FICO® Credit Scores, and you can opt to receive alerts when Barclaycard learns that your score changes. Over all this card offers a lot of value to those who have worked hard to raise their credit score.

Credit One Bank® Platinum Card
You can see if you Pre-Qualify for this card without affecting your credit score. You also go up for regular reviews of your credit line, and your credit line will increase when you make payments on time. The rewards really aren’t that great, but this card is easy to get with average credit. The rewards for this card is a simple 1% cash back on gas purchases. We included this card due to the high acceptance rate for this card. The APR ranges from 17.90% to 23.90% depending on your credit score.

Playstation® Card from Capital One®
The ultimate credit card for gamers, and it is open to those with average credit. For the gamers among us, this card cannot be beat rewards wise. You earn 10X points on all PlayStation network purchases, 3X points on purchases that extend your play such as PlayStation® and Sony® purchases at Sony Stores,
Sony.com, and authorized retailers, your mobile phone bill and Quick service restaurants. You earn 1x the points on any other purchases. The sign up bonus is rather nice for a card needing only average credit, You earn 5,000 bonus points after your first purchase in the first 90 days. The A{R ranges from 13.9% to 24.9% based on your credit worthiness, and this card has no annual fee.