Credit Cards for Medium Credit

CreditMedium.com periodically reviews the best credit cards for medium credit issued by only the most trustworthy and consumer friendly banks. Note that credit card offers can change frequently, as the issuers often update the offer details and terms associated with them. As such, it’s important you read the terms and conditions for each credit card for medium credit on the issuers landing page before applying.

Are you a consumer looking for a credit card, and have a credit score in the average or medium range (400-700 FICO)? We’ve sorted through dozens of issuers to bring you our top selection of offers for the consumer with medium credit. If you’re not sure what your credit score is, we strongly suggest you find out before applying for any credit card. Our most highly recommended free credit reporting service is CreditSesame (yes, 100% free, no trial period, no BS). Get your free credit score and more at their website. Here is our medium credit card offer pick for June, 2014.

The Best Credit Cards for Medium Credit

The advantage of having a credit card, even if your credit isn’t excellent, is that when used responsibly you can build your score up to where it’s stellar. Simultaneously, since your credit isn’t that bad, you can still earn rewards and or cash back in many cases! There’s a misconception that having a credit card makes it difficult to maintain your financial health. We’re living in 2014 now, and most credit card issuers have made managing their card products very user friendly. The credit cards for medium credit discussed below have easy online reward management and bill pay.  Remember, be responsible with your credit – it’s your financial lifeline. PAY OFF your balance in FULL every month and your score will rise.

If you’re on the lower end of the “medium” credit spectrum, you should apply for a card that will suit your spending needs but not put pressure on you with an annual fee. We selected the Barclaycard® Rewards MasterCard® – Average Credit here because it offers 2x points on groceries, gas and utilities, 1x points on everything else. This is huge, if your credit isn’t that great, you’re still earning points multipliers on the most common spending categories as a consumer. In addition, you get 2,500 bonus points as a signup bonus and NO annual fee. You can use the points you earn like cash, which can help you pay off your bill for instance. This card also comes with 0% introductory APR for both purchases and balance transfers for the first 6 months, which is virtually unheard of for a card in this credit category. You’ll get monthly reporting to all 3 major credit bureaus, which will help you rebuild your credit score. You can click here to view the full terms of the offer on the Barclaycard website.

Applying for any credit card is an important financial decision. It can be an extremely positive decision if you intend to use your new credit card responsibly. We encourage you to leave any questions of comments below – we’re here to help.