List of credit cards that are geared toward a customer with a fair to average credit rating and looking for a good card. These guys don't want the "bad credit" customer, but they are willing to approve if you have had a few credit hiccups in the past. These cards have been preselected for those with fair or average credit, but not perfect credit scores. If you have some issues on your credit report - you might want to clear them up before applying for a new credit card offer. Find a good credit card with a decent line of credit. These cards typically don't offer too many rewards or benefits and they may also charge a small annual fee. A good alternative to these cards are the prepaid Visa or MasterCards on our site where they act more like a debit card. This may save you money and interest.