Do you have average credit but are looking for a credit card? While you may think it would be difficult to get a credit card for average credit, it might be more achievable than you thought.

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What is average credit?

The average credit score in America was 673 in 2016, on a scale that ranges from 300 to 850, according to credit agency Experian. That’s up from 669 in 2015.

“Credit scores are on the rise and improved credit behaviors indicate a strong credit market,” Experian reports. “This is a promising sign as the economy continues to rebound.”

What kind of credit card can I look for with average credit?

If you have an average credit score and get approved for a new credit card, your credit limit may not be as high as cards offered to people with excellent credit, but you will find plenty of options with no annual fee, relatively reasonable interest rates and rewards.

Plenty of websites review the top credit card deals available for people with average or fair credit, so a quick search through various credit card ranking sites could help you narrow down which options to apply for.

It is a good idea to review these lists — which come out annually — to learn what a competitive credit card offer looks like at the time you are applying. These lists will also help you find cards with the features that are most valuable to you.

Which credit card is right for me?

There is no one-size-fits-all credit card on the market. The best credit card for you depends on your individual needs, and choosing the right card involves assessing your lifestyle.

  • Do you travel? You might want to select a card that offers travel benefits.
  • Do you shop? You might want to look for a card that gives you access to discounts. Or check out cards that offer reward programs on everyday spending.
  • When considering a card, know that it’s not enough to just look at the size of the annual fee. Sometimes cards with higher annual fees can pay for themselves with the benefits they offer, depending on your spending habits. But if you don’t believe you would spend enough to earn enough rewards to offset that fee, it’s worth moving on to look at other options.

It’s important to know what kind of card you’re applying for because if you have average credit and you’re applying for a card that requires excellent credit, you could be denied.

Keep in mind that getting the right credit card, and using it responsibly, will put you on the road to earning a better credit score, and the even better credit card offers available to those near the top of the range.

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Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.