In its time, the Barclaycard Rewards MasterCard® was one of the better rewards credit cards available for people with fair or average credit. Before is was removed from the market around 2016, it offered:
2 points per dollar spent on gas, groceries and utilities.
1 point per dollar on all other purchases.
No annual fee.
Free access to your FICO credit score.
The opportunity to get a higher credit limit after five consecutive on-time payments.
Rewards points were worth 1 cent apiece when redeemed for statement credit, and the amount of bonus rewards you could earn was uncapped.
The Barclaycard Rewards MasterCard® didn't offer a sign-up bonus, and its ongoing APR was rather high. But the same can be said of most cards designed for people with credit scores in the "fair" range — generally defined as about 620 to 690.
With the Barclaycard Rewards MasterCard® no longer available, the Capital One QuicksilverOne Cash Rewards Credit Card might be an attractive option for those with fair credit.
The fair-credit version of the popular (and much-advertised) Quicksilver cash-back card, the Capital One QuicksilverOne Cash Rewards Credit Card offers unlimited 1.5% cash back on all purchases. That's the same rate offered by the regular version. However, this card has a $39 annual fee, compared with $0 for the standard card. It also doesn't offer the sign-up bonus or 0% intro APR period of the original.
Looking for other options? See our best credit cards for fair or average credit.