The average credit score varies from year to year. In the most recent data released by FICO, the average score was 714. That's high based on historical standards, as the average score typically falls in a range of 650-700. Finding the best credit card for average credit can be tricky.
A score in the high 600s is good enough to avoid bad credit credit cards. At the same time, it's not quite high enough for the best credit cards.
The following cards are designed for individuals with credit scores in the 650, 660, 670, 680 or 690 ranges. For FICO scores in this range, these cards offer a good chance of approval, report payments to all three major credit bureaus, offer reasonable terms, and can help improve your credit score.

- List of the Best Credit Cards with Average Credit
- Citi Custom Cash℠ Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Blue Cash Preferred® Card from American Express
- The Platinum Card® from American Express
- Blue Cash Everyday® Card from American Express
- Citi® Double Cash Card - 18 month BT offer
- Capital One VentureOne Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Chase Freedom Flex(SM)
- Capital One SavorOne Cash Rewards Credit Card
- 4 Tips to Getting a Credit Card with a Score of 650 to 700
- FAQs
List of the Best Credit Cards with Average Credit
Citi Custom Cash℠ Card

Rewards:
Annual Fee: $0
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR: Enjoy 0% APR on purchases and balance transfers for the first 15 months.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 12/30/2022 | Experian | ||
Approved | 02/06/2023 | Experian | ||
Approved | 12/23/2021 | Not Provided | ||
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 08/05/2022 | Equifax | ||
Approved | 11/27/2022 | Not Provided | ||
Approved | 06/12/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 06/27/2022 | Experian | ||
Approved | 06/14/2021 | Experian | ||
Approved | 06/13/2021 | Experian | ||
Approved | 07/16/2022 | Equifax | ||
Denied | 08/24/2022 | Equifax | ||
Denied | 06/10/2021 | Equifax |
Capital One QuicksilverOne Cash Rewards Credit Card

You'll also have access to CreditWise to keep tabs on your credit score.
Rewards:
Annual Fee: $39
Best For: Simple cash back rewards on all purchases
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/03/2017 | Equifax | ||
Approved | 01/04/2017 | TransUnion | ||
Approved | 01/04/2017 | Equifax | ||
Approved | 02/04/2022 | Not Provided | ||
Denied | 07/06/2017 | TransUnion |
Read our Capital One QuicksilverOne Cash Rewards Credit Card Review
Blue Cash Preferred® Card from American Express

Rewards:
Annual Fee: $0 intro annual fee for the first year, then $95.
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Pre-approval: Find out if you're approved with no impact on your credit score
0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.99% - 29.99%.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/17/2021 | Experian | ||
Approved | 04/09/2022 | Experian | ||
Approved | 04/09/2022 | TransUnion | ||
Approved | 12/17/2021 | Experian | ||
Approved | 12/17/2021 | TransUnion | ||
Approved | 03/20/2022 | Experian | ||
Approved | 07/21/2021 | Experian |
The Platinum Card® from American Express

Rewards:
Annual Fee: $695
Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/16/2021 | Not Provided | ||
Approved | 06/08/2022 | Experian | ||
Approved | 06/09/2021 | Experian | ||
Approved | 04/28/2022 | Not Provided | ||
Approved | 01/04/2023 | Not Provided | ||
Approved | 06/08/2022 | Equifax |
Blue Cash Everyday® Card from American Express

Rewards:
Annual Fee: $0
Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Pre-approval: Find out if you're approved with no impact to your credit score (if you're approved and you accept a card, your credit score may be impacted)
0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months, then a rate of 18.99% - 29.99%.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 09/07/2022 | Equifax | ||
Approved | 01/05/2020 | Not Provided | ||
Approved | 07/26/2022 | Experian | ||
Approved | 02/13/2020 | Equifax | ||
Approved | 02/13/2020 | TransUnion | ||
Approved | 12/02/2019 | TransUnion | ||
Approved | 12/02/2019 | Equifax | ||
Approved | 11/26/2021 | Not Provided | ||
Approved | 09/07/2022 | Experian | ||
Approved | 09/07/2022 | TransUnion | ||
Approved | 02/09/2022 | Experian |
Citi® Double Cash Card - 18 month BT offer

Rewards:
Annual Fee: $0
Welcome Bonus: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
0% Intro APR: Get 0% APR on balance transfers for the first 18 months.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/15/2020 | Equifax | ||
Approved | 05/12/2021 | Equifax | ||
Approved | 07/25/2022 | Not Provided | ||
Approved | 08/26/2022 | Equifax | ||
Approved | 04/26/2020 | Equifax | ||
Denied | 09/02/2014 | Experian | ||
Denied | 06/16/2017 | Experian | ||
Denied | 09/06/2020 | Equifax | ||
Denied | 06/13/2021 | Equifax | ||
Denied | 04/06/2016 | Equifax | ||
Denied | 09/17/2015 | Experian |
Capital One VentureOne Rewards Credit Card

Rewards:
Annual Fee: $0
Welcome Bonus: 20,000 Miles once you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/29/2021 | Equifax | ||
Approved | 10/29/2021 | Experian | ||
Approved | 10/29/2021 | TransUnion | ||
Approved | 04/05/2018 | Experian | ||
Approved | 04/05/2018 | TransUnion | ||
Approved | 04/05/2018 | Equifax | ||
Approved | 09/17/2017 | TransUnion | ||
Approved | 03/05/2018 | TransUnion | ||
Approved | 03/05/2018 | Experian | ||
Approved | 06/05/2015 | Experian | ||
Approved | 06/08/2015 | Equifax | ||
Approved | 06/08/2015 | TransUnion | ||
Approved | 06/08/2015 | Experian | ||
Denied | 05/04/2016 | Equifax | ||
Denied | 05/04/2016 | TransUnion | ||
Denied | 05/04/2016 | Experian |
Capital One Quicksilver Cash Rewards Credit Card

Rewards:
Annual Fee: $0
Welcome Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% intro APR on purchases and balance transfers for the first 15 months.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/08/2021 | Equifax | ||
Approved | 07/08/2021 | Experian | ||
Approved | 07/08/2021 | TransUnion | ||
Approved | 10/05/2021 | Not Provided | ||
Approved | 07/01/2021 | Experian | ||
Approved | 06/01/2021 | TransUnion | ||
Approved | 06/01/2021 | Equifax | ||
Approved | 10/05/2021 | TransUnion | ||
Denied | 04/22/2019 | Experian |
Chase Freedom Flex(SM)

Rewards:
Annual Fee: $0
Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
0% Intro APR: Enjoy 0% APR on purchases and balance transfers for the first 15 months; after that, the rate is 19.99%–28.74% variable, depending on creditworthiness
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/13/2022 | Experian | ||
Approved | 08/27/2022 | Experian | ||
Approved | 08/27/2022 | TransUnion | ||
Approved | 10/01/2022 | Experian | ||
Approved | 04/12/2021 | Experian | ||
Approved | 11/01/2022 | Experian | ||
Approved | 04/04/2022 | Experian | ||
Approved | 10/01/2020 | Experian |
Capital One SavorOne Cash Rewards Credit Card

Rewards:
Annual Fee: $0
Welcome Bonus: $200 Cash Back after you spend $1,000 on purchases within 3 months from account opening
0% Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
Approval Odds*
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/05/2022 | Not Provided | ||
Approved | 12/20/2021 | Not Provided | ||
Approved | 10/15/2021 | Not Provided | ||
Approved | 07/25/2019 | Experian | ||
Approved | 02/09/2021 | Not Provided | ||
Approved | 10/06/2020 | Not Provided | ||
Approved | 10/19/2019 | Experian | ||
Approved | 02/10/2023 | Not Provided | ||
Approved | 07/10/2022 | Experian | ||
Approved | 07/20/2022 | Experian | ||
Approved | 07/19/2022 | Experian | ||
Approved | 05/12/2021 | Not Provided |
4 Tips to Getting a Credit Card with a Score of 650 to 700
- Know your credit score. Even a few points can make a difference between qualifying for a credit card or not, or perhaps getting a better card. There are plenty of ways to see your score for free.
- Watch the fees. Some credit cards designed for fair credit charge exorbitant fees. Many of the cards in our list charge no annual fee, and the others offer a reasonable fee. As you compare cards, make sure you understand how the fees work.
- Expect lower credit limits. While the credit limit will vary from one card to the next and one applicant to the next, expect credit limits in the hundreds of dollars, not thousands of dollars. There will be some exceptions, of course, but don't count on it.
- Always pay the card on time. These cards can help improve your credit score, but only if you pay the credit card bill on time, every time. Late payments are the most significant factor in the FICO score, and they can hurt your score considerably, even with just one late payment.
FAQs
*The credit score data provided for some of the cards listed above came from publicly available information in a number of forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.