Credit Cards For Average Credit Ratings

May 19th, 2009

creditscoreIf you don’t have especially good credit rating and are around the average level, there are plenty of credit card options for you.  While you may be declined on your application to most of the best credit card offerings (e.g. Plum Card, Discover More), you should be able to qualify for a decent unsecured card.

An unsecured credit card with no annual fee but little else in terms of perks is easily available to people with average credit scores.  It’s just likely that all your attention is fixed on the high-end cards that you don’t notice the plethora of offerings available to those with credit ratings just like yours.

Try one of these cards on for size:

1. Citi Platinum Select Mastercard

With no annual fees and pretty decent APR, the Citi Platinum Select is a credit card that’s absolutely within your means to get.  What I particularly like about is the extra layer of security it provides for online shoppers, via a separate secure number (that’s different from your actual credit card number) for use when you buy items over the web.

2. HSBC American DreamCard Mastercard

While not necessarily a sub-prime credit card, the American DreamCard Mastercard is specifically intended for those with decent but relatively low credit scores.  It used to be bundled with HSBC’s sub-prime card offerings but is actually better than the lot of credit cards usually available to those with bad credit.  It has no annual fee and usually approves anyone with a credit rating above 600.

3. Amex Rewards Gold Card

You’ll need to be employed with a decent income to qualify for this rewards card, but it’s worth applying for anyway.  It comes with a steep annual fee but if you intend to use the card frequently, their rewards program is one of the most attractive you can find.

noel Posted in Credit Card Guides, Credit Cards for Poor Credit

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