Any Fair/Average Credit.....Credit Cards?

[Anonymous]

I know when we talk about cards for average credit, usually Capital One and Barclays come to mind.

Does anyone know of any other cards for those with Average/Fair FICO scores.  

I'm certainly not talking about Credit One, First Premier, or Merrick Bank

I'm speaking about cards with no AF.  I understand there may not be rewards attached to the card, but interested to see if any hidden treasures pop up here.

***Please post a link to the application if you can***

[Anonymous]

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@Anonymous wrote:

I know when we talk about cards for average credit, usually Capital One and Barclays come to mind.

Does anyone know of any other cards for those with Average/Fair FICO scores.  

I'm certainly not talking about Credit One, First Premier, or Merrick Bank

I'm speaking about cards with no AF.  I understand there may not be rewards attached to the card, but interested to see if any hidden treasures pop up here.

***Please post a link to the application if you can***

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Chase Freedom ... Discover (if you're new to credit with no negative records)

[Anonymous]

Chase Freedom is for average credit?  I was thinking for people with scores in the 650 to 690 range.  I'm not sure of their score requirements but I thought all chase cards were at the bare minimum good credit.

[Anonymous]

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@Anonymous wrote:

Chase Freedom is for average credit?  I was thinking for people with scores in the 650 to 690 range.  I'm not sure of their score requirements but I thought all chase cards were at the bare minimum good credit.

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Yes, they approve people in this exact range.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Chase Freedom is for average credit?  I was thinking for people with scores in the 650 to 690 range.  I'm not sure of their score requirements but I thought all chase cards were at the bare minimum good credit.

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Yes, they approve people in this exact range.

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Indeed. Although if you're on the lower end of that range, approval is borderline.

One thing you want to be careful with though is that Chase likes to see a year of good credit history, generally....

If the Freedom seems a little out of reach, Capital One's Journey card is a solid rebuilding card with no AF (although QS1 I think is a bit easier, itt does have an annual fee, which you specifically mentioned you didn't want). It's a good option as long as you can withstand the triple pull.

[Anonymous]

Chase Freedom for sure caters to the 650+ crowd.

Discover will take a no credit person without baddies.

Navy Federal is awesome towards the average credit crowd...they gave me a $16,000 credit limit with a measly 643 credit score...made me spit out mah juice when I got approved.

[1GaDawg85]

Go for a Cap 1 Journey card....if you treat it right, they will PC it to a QS card in no time 

[Anonymous]

Like to add as well, Merrick Bank ain't one of those hideous banks.

They're "OK" for rebuilders.  Probably a little bit more expensive than Capital One but not predatory like those other bad ones.

Merrick Bank is like a Poor Man's version of Capital One.  

Just like Capital One is a poor Man's version of AMEX.

[Imperfectfuture]

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@Anonymous wrote:

Chase Freedom for sure caters to the 650+ crowd.

Discover will take a no credit person without baddies.

Navy Federal is awesome towards the average credit crowd...they gave me a $16,000 credit limit with a measly 643 credit score...made me spit out mah juice when I got approved.

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But NFCU is not open to the majority of folks in the US (presuming one joins legitimately).  Even though have dead father that I have records to (Korean war), and retired brother from Army, can't figure out how to get in.  And, don't know if I want to at this point.  Happy with what I have right this moment.  Maybe business card by next year (need to have a good idea of profits for projection).

[1GaDawg85]

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@Imperfectfuture wrote:

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@Anonymous wrote:

Chase Freedom for sure caters to the 650+ crowd.

Discover will take a no credit person without baddies.

Navy Federal is awesome towards the average credit crowd...they gave me a $16,000 credit limit with a measly 643 credit score...made me spit out mah juice when I got approved.

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But NFCU is not open to the majority of folks in the US (presuming one joins legitimately).  Even though have dead father that I have records to (Korean war), and retired brother from Army, can't figure out how to get in.  And, don't know if I want to at this point.  Happy with what I have right this moment.  Maybe business card by next year (need to have a good idea of profits for projection).

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Have your brother join then he can sponsor your membership