Best Credit Card for People Whose Credit Score is Fair or Average

Grow your credit history with responsible use of credit and on-time payments! Citi Double Cash Card is an unsecured card with $200 bonus and 2% cash rewards. It is the best card for people with fair credit ratings to earn cash rewards while building credit.

Apply Now

Citi Double Cash^® Card

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.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR: 0% on Balance Transfers

Intro APR Period: 18 months

Annual Fee (rates & fees): $0

Credit Needed: Excellent, Good, Fair

Alternative Credit Cards for Fair or Average Credit

If you have average credit and are interested in Citi Double Cash Card, you may also consider a few other credit cards with similar benefits.

	Bonus and Rewards	Annual Fee
Citi Custom Cash^® Card	$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. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel portal through 6/30/2025.	$0 rates & fees
Capital One QuicksilverOne Cash Rewards Credit Card	Unlimited 1.5% cash back on every purchase, every day Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply	$39 (fees)
First Latitude Select Mastercard^® Secured Credit Card	1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.	$39.00
Upgrade Cash Rewards Visa^®	$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*	$0
Upgrade Triple Cash Rewards Visa^®	$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*	$0
Capital One Quicksilver Student Cash Rewards Credit Card	Unlimited 1.5% cash back on every purchase, every day Early Spend Bonus: Earn $50 when you spend $100 in the first three months 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024	$0 (fees)