Fair credit is the awkward teenager of the credit world. People with fair credit scores have graduated past secured credit cards, but still don’t have the choice of credit cards that those with good credit have. But there are several good card options if you’re stuck in the middle. Here are the Nerds’ top three rewards credit cards for fair credit.
Barclaycard® Rewards MasterCard®: Best for bonus rewards on everyday purchases
The Barclaycard® Rewards MasterCard® offers 2 points on every $1 spent on gas, grocery and utility purchases and 1 point on every $1 spent on everything else. Points can be redeemed for anything, you use them like cash to cover purchases you’ve made, provided those purchases have been made in the last 30 days and cost $25 or more.
| Barclaycard® Rewards MasterCard® | |||||||
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| Annual Fee | Signup Bonus | APR , Variable* | APR Promotions |
|---|---|---|---|
| $0 | None - after first purchase | Min APR: 24.99% | Purchase: None Transfer: None |
NFL Extra Points Credit Card: Best for football fans or cardholders who need a balance transfer
The NFL Extra Points Credit Card offers 2 points on every dollar spent on NFL or team purchases — such as tickets and team merchandise — and 1 point on every dollar spent elsewhere. There’s also a signup bonus: Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit. Points can be redeemed for VIP NFL experiences, game tickets or cash back.
Football fans will enjoy 20% off every purchase at NFLShop.com. Your card design will feature the colors and logo of your favorite team — all 32 teams are available. You’ll also receive an introductory APR of 0% on ticket purchases for the first six months.
While the NFL Extra Points Credit Card seems like it’s exclusively for football fanatics, it’s a great card for anyone with average credit. The card boasts an introductory APR of 0% for 15 months on balance transfers made in the first 45 days and an annual fee of $0.
| NFL Extra Points Credit Card | |||||
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| Annual Fee | Signup Bonus | APR , Variable* | APR Promotions |
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| $0 | Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit | 14.99%, 19.99% or 24.99%* Variable | 0% on balance transfers for 15 months (must be completed within first 45 days of account opening) |
Capital One® QuicksilverOne® Cash Rewards Credit Card: Best for straightforward rewards
The Capital One® QuicksilverOne® Cash Rewards Credit Card offers 1.5% rewards on every purchase. You can redeem your rewards for cash back in any amount, at any time. There’s no need to opt in to rewards or keep track of rotating quarterly categories.
The Capital One® QuicksilverOne® Cash Rewards Credit Card has an annual fee of $39, which will be negated after spending $2,600 per year. It boasts an introductory APR offer of 0% on purchases and balance transfers until September 2015, and then the ongoing APR of 22.9% (Variable).
| Capital One® QuicksilverOne® Cash Rewards Credit Card | |||||||
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| Annual Fee | Signup Bonus | APR , Variable* | APR Promotions |
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| $39 | Earn unlimited 1.5% cash back on every purchase, every day. | 22.9% (Variable) | 0% on purchases and balance transfers until September 2015 |
Bottom line: Fair credit? No problem! With one of these three credit cards, you’ll be able to successfully navigate through the trials and tribulations of being stuck between bad credit and good credit. Use your new card responsibly, and we’re sure you’ll enter the ranks of good credit score holders in no time.
Young man image via Shutterstock
The post Credit Cards for Fair Credit appeared first on NerdWallet Credit Card Blog.
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