Credit Cards for Fair/Average Credit

*All information about the Indigo® Mastercard®, Chase Freedom Student credit card, Journey Student Rewards from Capital One and the Capital One Walmart Rewards Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer. The issuer did not provide the content, nor is it responsible for its accuracy.

The Journey Student Rewards from Capital One is no longer available.

Comparing the best credit cards for fair credit

Editor’s picks: the best credit cards for people with fair credit

Capital One Platinum Credit Card: Best for building credit

• Best features: You can get a credit limit increase after as little as six months of responsible card use, something not often seen with credit-builder cards. The Platinum also has no annual fee (See rates and Fees), making it an excellent choice for a first card.
• Biggest drawbacks: This card doesn’t offer a sign-up bonus or ongoing rewards and carries a high variable APR, which could cause trouble if you need to carry a balance long term.
• Alternatives: If you’re looking for a low-interest credit card or are more concerned about earning rewards than building credit, this card will likely disappoint. The Petal® 2 “Cash Back, No Fees” Visa® Credit Card has a more generous APR.
• Bottom line: This is a great card for anyone hoping to avoid an annual fee (See rates and Fees) or a security deposit while working their way up from average credit.

Read our Capital One Platinum Credit Card review or jump back to offer details.

Capital One QuicksilverOne Cash Rewards Credit Card: Best for flat-rate rewards

• Best features: Earning unlimited cash back rewards while strengthening your credit makes this our pick for the best credit card for fair/average credit with flat-rate rewards. You’ll earn consistent 1.5% cash back on all purchases, with no need to juggle rotating rewards categories or track spending. Plus, with responsible use, you will be considered for a credit limit increase after your first 6 months of on-time payments.
• Biggest drawbacks: The $39 annual fee (See rates and Fees) will cut into your cash back earnings, and the card’s APR is very high, making it a risky choice should you need to carry a balance.
• Alternatives: For those who would rather skip an annual fee, the Mission Lane Cash Back Visa earns up to 1.5% cash back on all purchases as well.
• Bottom line: This card is ideal for those with so-so credit hoping to earn a decent rewards rate on everyday spending.

Read our Capital One QuicksilverOne Cash Rewards Credit Card review or jump back to offer details.

Capital One Walmart Rewards® Mastercard®*: Best for Walmart purchases

• Best features: If you’re a frequent Walmart shopper, this card makes it easy to earn rewards. You’ll earn 5% cash back on Walmart.com purchases, including grocery pickup and delivery, making this potentially one of the most lucrative grocery rewards cards out there.
• Biggest drawbacks: The ongoing 5% rewards rate only applies to Walmart.com purchases, not in-store purchases. If you prefer to do your shopping in person, you might find the card less valuable after your first year.
• Alternatives: This card won’t be of much use unless you do a good bit of shopping at Walmart (specifically on Walmart.com, which offers the highest long-term rewards rate). The Credit One Bank® Wander® American Express® Card offers a high rewards rate in several of the Walmart card’s other bonus categories, earning 5X rewards on travel, dining and gas.
• Bottom Line: If you have a fair credit score and Walmart is your go-to store, this could be one of the most lucrative rewards cards out there.

Read our Capital One Walmart Rewards® Mastercard® review or jump back to offer details.

Credit One Bank® Wander® American Express® Card: Best for travel

• Best features: The Wander card is one of the only travel rewards cards open to people with fair credit and features a number of perks not typically found with credit-builder cards, like multiple redemption options and travel accident insurance.
• Biggest drawbacks: The annual fee is higher than the fee you’ll find on a number of top credit cards for people with fair credit and could be hard to offset unless you’re a frequent traveler.
• Alternatives: Occasional travelers may find more value in the Capital One QuicksilverOne Cash Rewards Credit Card. It not only charges a much lower annual fee than the Wander card ($39 – See rates and Fees) but also earns 1.5% back on general purchases and 5% back on hotels booked through Capital One.
• Bottom line: Credit builders who want to earn rewards for their eligible travel, dining and gas purchases even as they’re working their way up to good credit.

Read our Credit One Bank® Wander® American Express® Card review or jump back to offer details.

Avant Credit Card: Best for no foreign transaction fee

• Best features: The Avant Credit Card offers a $300 credit limit, requires no security deposit and allows potential applicants to check if they’re preapproved without dinging their credit. The application process is quick and applicants generally receive a decision in minutes.
• Biggest drawbacks: This card offers no rewards and is generally short on perks beyond its lack of a foreign transaction fee.
• Alternatives: If you don’t mind paying more for better perks, the Credit One Bank® Platinum X5 Visa® may be worth it thanks to its higher starting credit limit of $500 and cash back on gas, groceries, cell phone services, internet, and cable or satellite TV service purchases.
• Bottom line: This card could be a match for credit-builders looking to boost their score without putting cash down for a security deposit. Travelers will like its lack of foreign transaction fees.

Read our Avant Credit Card review or jump back to offer details.

Prosper® Card: Best for credit limit potential

• Best features: It offers a chance at a starting credit limit as high as $3,000 with no security deposit required — easily one of the highest limits you can get on an unsecured card available with fair credit. You also get instant access to 50 percent of your credit line upon approval and can have your annual fee waived for the first year when you sign up for autopay before your first statement. This makes the card especially accessible and low-risk as a stopgap credit-building option.
• Biggest drawbacks: The card will prove pricey long term since you can only have your annual fee waived the first year and it doesn’t earn rewards that could help offset its cost. There’s also no clear upgrade path to a more rewarding card, so it may not be the best entry point if you expect to reach a good credit score anytime soon.
• Alternatives: Few unsecured cards available with fair credit offer a chance at such a high credit limit, but you can still unlock a decent starting limit with the right secured card. Even if you’re only able to put down a small deposit, the Capital One Platinum Secured Credit Card may make more sense: Qualifying cardholders get access to an up to $200 credit limit with only a $49 minimum deposit, and the issuer offers a ton of top-notch rewards cards you may be able to upgrade to if your score improves (with responsible use).
• Bottom line: This card could make sense in the short term if your goal is building credit and getting a chance at a high credit limit, but you may be better off with a secured card with a more promising upgrade path.

Jump back to offer details.

Mission Lane Cash Back Visa® Credit Card: Best for building credit + earning rewards

• Best features: It’s one of the only unsecured credit-building cards that earns unlimited cash back on all purchases while charging no annual fee. And if you’re in good standing, you’ll be automatically considered for a higher credit line in as little as seven months.
• Biggest drawbacks: Your starting credit limit may only be $300. And if you don’t pay off your balance each month, you’ll get stuck paying a high variable interest rate.
• Alternatives: This isn’t the card for you if you tend to carry a balance from month to month. If that’s the case, you’ll be better off with a credit card with a lower APR. The Upgrade Cash Rewards Visa offers a fair APR range and also earns cash back with no annual fee.
• Bottom line: If you’re looking to earn rewards while working to improve your credit score, you should consider this card, especially if you’d rather not tie up funds in a secured credit card.

Read our Mission Lane Cash Back Visa review.

Zolve Azpire Credit Builder Card + Checking Account: Best for Credit accessibility

• Best features: A credit check is not required to access this card and there are very few fees. You can also apply for the card with a valid passport or an ITIN if you don’t have an SSN.
• Biggest drawbacks: The card functions a bit like a secured credit card, since you’ll only be able to spend what you deposit into your Zolve credit account. The card also does not report a credit limit or credit utilization, so it may be a slower journey to building up your score over time.
• Alternatives: The Capital One Platinum credit card gives you the chance to build your score faster while skipping a security deposit entirely. You’ll get all the benefits of a traditional credit card and the chance to increase your credit limit fairly quickly with responsible use.
• Bottom line: If you’re not quite ready to bear the full weight of a traditional credit card, but still want the chance to start building credit, the Zolve Azpire offers a unique middle ground.

Read our Zolve Azpire Credit Builder Card + Checking Account review.

Upgrade Cash Rewards Visa®: Best for long-term financing

• Best features: This card automatically puts your balance into an installment plan with a fixed monthly payment, which could help you stay on track with financing purchases — especially if you need a lot of time to chip away at expenses. It’s also light on fees, charging no annual or foreign transaction fees. Plus, you can earn an unlimited 1.5% cash back on purchases every time you make a payment.
• Biggest drawbacks: There’s no introductory 0% APR offer on purchases or balance transfers. That said, the regular APR can start low if you qualify.
• Alternatives: Though the Capital One Walmart Rewards Mastercard is most rewarding at Walmart stores, cardholders can still earn 2% cash back on restaurants and travel purchases with no foreign transaction fees.
• Bottom line: Someone who struggles to keep up with payments may find this card’s reward incentive to be a useful motivator.

Read our Upgrade Cash Rewards Visa® review.

Indigo® Mastercard®: Best for rebuilding after bankruptcy

• Best features: If you’ve struggled to get a credit card after bankruptcy, this card could give you some peace of mind. In addition to welcoming people who have gone through bankruptcy, it lets you prequalify to see how likely you are to be approved without any impact on your credit score. And since it’s an unsecured card, you won’t have to put down any money upfront.
• Biggest drawbacks: The card doesn’t earn rewards, and the credit limit only goes up to $300. There are also a number of fees that do little to help people with fair credit improve their score. This includes an annual fee that can get as high as $99, a late or returned payment fee of up to $40 and a penalty APR. Plus, Indigo doesn’t specify when or if you can qualify for a higher credit limit.
• Alternatives: Anyone looking to build their credit can benefit from the Capital One Platinum Credit Card thanks to low fees and a relatively short account review period.
• Bottom line: If you haven’t been able to get approved for a credit card due to past bankruptcy, the Indigo card could give you a chance to get back on track and rebuild your credit.

Read our Indigo® Mastercard® review.

Discover it® Student Cash Back: Best for college students

• Best features: You’ll be raking in the rewards while building credit thanks to this card’s terrific rewards rate and low fees. Even better, Discover will match all the cash back you’ve earned at the end of your first year. If you need time to pay off purchases, there’s also an intro APR on new purchases that could help.
• Biggest drawbacks: The card needs upkeep: You must enroll in the rotating bonus category every quarter to earn the high cash back rate.
• Alternatives: If you want a card that doesn’t tempt you to spend too much, consider the Chase Freedom Student credit card. It keeps things simple by earning a flat 1% cash back on all purchases and 5% cash back on Lyft rides (through March 31, 2025).
• Bottom line: For anyone new to the world of credit, this Discover card’s consumer-friendly terms, lucrative first-year bonus and rotating cash back categories make for an excellent start.

Read our Discover it® Student Cash Back review.

Milestone Mastercard® – $700 Credit Limit: Best for rebuilding credit

• Best Features: Thanks to no required security deposit and a prequalification process that won’t hurt your credit score, this card provides ways for cardholders to build back their credit history. This card offers identity theft protection and a competitive foreign transaction fee of 1%.
• Biggest Drawbacks: The card comes up short for some, with its see terms annual fee, a high regular APR and the lack of additional perks.
• Alternatives: Even among cards for people with bad credit, this card’s hefty fees and high APR are off-putting. The Avant Credit Card may be a better choice with its lack of fees and lower annual fee of $59.
• Bottom Line: This card’s low entry barrier makes it an attractive option for those with a history of bankruptcy or bad credit.

Read our Milestone Mastercard® – $700 Credit Limit review

Credit One Bank® Platinum X5 Visa®: Best for rewards

• Best features: This card offers a simple and straightforward structure that gives people with less-than-perfect credit the opportunity to earn generous cash back rewards in popular everyday spending categories, including gas, grocery, internet, cable, satellite TV, and mobile phone service purchases.
• Biggest drawbacks: The regular APR is one of the highest around, and there is no welcome bonus. The card’s high annual fee also puts a dent in any rewards you earn.
• Alternatives: If you don’t plan to spend enough in this card’s bonus categories to justify the annual fee, a flat-rate rewards card, like the Upgrade Cash Rewards Visa or Capital One QuicksilverOne, may be a better choice overall.
• Bottom line: This card is a strong choice for anyone with fair credit hoping to rack up cash back rewards.

Read our Credit One Bank® Platinum X5 Visa review.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card: Best for earning rewards + avoiding fees

• Best features: This unsecured credit card earns generous cash back and comes with no annual fee, late payment fee, foreign transaction fee or penalty APR, making it a potentially lucrative and low-cost credit-building option.
• Biggest drawbacks: Your credit limit can be as low as $300. With a limit that low, it may be difficult to keep your credit utilization low (a key credit scoring factor). After all, a balance of just $100 would push your utilization ratio to 30% if you had a $300 limit.
• Alternatives: If you have a history of missed payments or delinquency, your chances of Petal card approval drop. You’ll likely have more luck applying for a credit card available with bad credit.
• Bottom line: If you’re looking for a card that can help you build credit while avoiding fees and earning rewards, the Petal 2 is a great choice.

Read our Petal® 2 “Cash Back, No Fees” Visa® Credit Card review.

Petal® 1 “No Annual Fee” Visa® Credit Card: Best for no annual fee

• Best features: In addition to no foreign transaction fee, a rarity for cards that accept fair or average credit, this card also charges no annual fee. You can also get a credit limit of up to $5,000 with no refundable deposit required.
• Biggest drawbacks: The regular APR is sky high on this card, and there’s no sign-up bonus offer or ongoing rewards.
• Alternatives: Though the Petal 2 card’s 1% to 1.5% flat cash back rate is lower than the Petal 1 card’s 2% to 10% back at select merchants, you may earn more overall since it rewards all your purchases, not just those in certain categories. Plus, it keeps the Petal 1 card’s low fees.
• Bottom line: This card is a good fit for anyone with a limited or so-so credit history hoping to build up their score without paying an annual fee or security deposit.

Read our Petal® 1 “No Annual Fee” Visa® Credit Card review.

Chase Freedom® Student credit card: Best for no credit history

• Best features: Along with 1% cash back on every purchase, Chase’s first credit card for students rewards responsible spending: For the first five years, cardholders receive a $20 bonus after each account anniversary year if their account is in good standing (meaning their minimum payments are being made on time). Plus, there’s no annual fee.
• Biggest drawbacks: Depending on your spending habits, you could earn more with a different student card. For instance, the Journey Student Rewards from Capital One offers 1% cash back on general purchases but also lets cardholders earn a 25% bonus when they pay on time (an overall rate of 1.25% for that month).
• Alternatives: You may earn more with a card that carries a higher rewards rate in specific spending categories. The Discover it® Student Cash Back earns a high cash back rate in a variety of rotating categories, making it easy to earn rewards wherever you shop.
• Bottom line: This card’s great credit-building tools and college-friendly rewards opportunities make it an ideal starter card for students.

Read our Chase Freedom® Student credit card review.

What is fair credit?

Fair credit (or average credit) can vary based on different credit scoring models. FICO and VantageScore are the two major credit scores in the United States. Both have a credit score range from 300 to 850. FICO was the creator of the first credit score and is still the most widely used score today. For FICO credit scores, fair credit ranges between 580 and 669 (based on the standard FICO Score 8 model). For VantageScore, fair credit can range from 601 to 660 (standard VantageScore 3.0 model).

Fair is a below-average score for both FICO and VantageScore. Since credit offers are based on creditworthiness, people with fair credit get below-average offers.

But if you have fair credit, you’re in a good position to rebuild. While lenders typically prefer credit scores to fall in the good-to-excellent range, people with fair credit scores are still considered viable applicants for many loans. And with some persistence and responsible credit usage, you can improve your credit score to one of the upper ranges.

FICO score ranges

VantageScore ranges

Pros and cons of cards for fair credit

How to choose a card for fair credit

How to make the most of a credit card for fair credit

When applying for a fair or average credit card, it is important to keep the goal of improving your credit in mind. Here are some tips on how someone with fair credit can get the most value out of their credit card:

• Use your card to build credit. The most important aspect of using a card that requires fair or average credit is that you can build your credit with it, which will grant you access to better lending products.
• Keep your utilization ratio low. People with fair credit tend to have cards with low credit limits. To keep your balances low and avoid increasing your credit utilization ratio, make small, multiple payments throughout the month.
• Look for a card without an annual fee. By taking out a card with no annual fee, you minimize the costs incurred with card membership.
• Practice with rewards. Cards for fair or average cards will sometimes have rewards, such as 1% back on all purchases. This is a good way to practice for getting a rewards card down the road. Make sure you don’t carry a balance because interest charges will negate your rewards.
• Look to increase your credit limit. After you’ve established a several-month trend of paying on time and in full, you could contact your carrier and negotiate a longer credit limit. Some providers will review your account for an increase automatically, so pay attention to your card’s fine print.
• Don’t close your old card. Once your credit score has risen to the point that you can apply for a better card, don’t close or stop using your card for fair credit. By continuing to use it, at least for small charges, you keep the account active, continuing to build credit with it, and you increase your available credit.

Are there credit cards for fair/average credit with instant approval?

Yes, there are cards that offer instant approval, even if you have fair/average credit. Instant approval cards can be a great way to learn within minutes if you are conditionally accepted as a cardmember. Just keep in mind that instant approval isn’t a guarantee that you will be granted the card – a more thorough check of your file will be conducted if you are allowed conditional approval. Plus, whether you can get approved or denied right away is based on if the company can verify your identity. In the case that your identity cannot be easily identified, the application process could take a few days. Focusing on cards that fit within your credit range is crucial to your financial health, and using the card responsibly is the key to strengthening your credit. Check out our list of the top instant approval cards to see if any are a good option for you.

What do I do if I’m rejected for a credit card?

If your hopes of landing a credit card of your dreams have been dashed, we can help. By taking the right steps, you can recover and get the card you want and need.

1. Have your application reconsidered

It’s no surefire solution, but you should contact the card issuer to see if they’d review your application again. If you’re able to argue your case, you might be able to get your foot in the door. Some card providers might be more willing to accept you as a cardholder after you’ve shown extra initiative.

2. Get the explanation from the issuer

Issuers are required to explain to you why you were rejected. You might find out online, by phone or by mail – no matter which way, read the issuer’s feedback, then try to fix the situation.

3. Check your credit score and credit reports

In general, it’s a good idea to check your credit reports several times a year. You can check them for free once a year at AnnualCreditReport.com. If you’ve been rejected by a card issuer, make a point of checking your credit files to make sure there are no errors or omissions.

4. Look at a credit-builder loan with your credit union

If your credit files are too weak for even a basic secured card, talk to your local credit union about getting a credit-builder loan. These loans are designed for improving your credit rather than getting money for a home improvement or car.

5. Catch up on your bills

Payment history has the biggest impact on your credit score. If you are behind on any bills, you should call the creditor and arrange to pay the past due amounts. After making your payments, you can request that the creditor rescind any reported delinquencies so they will no longer show up on your credit report. While this may be the slowest step, it is essential to improving your credit score. Finally, your more recent activity weighs more heavily, so those on-time payments are priceless.

6. Don’t close accounts

If you already have cards, don’t close them. Instead, pay them down and keep using them. Why? Because your payment history remains on your credit files for several years, good or bad, so you aren’t protecting your credit just by closing the account. In fact, the available credit on your cards helps your file, as does continuing to pay on time.

7 . Wait several months

Wait several months before applying for a card again. Too many card applications too close together can mean desperation to a lender. Also, this gives your score a chance to improve.

8. Apply for a card you are reasonably sure you will get

In this case, don’t reach for the stars. Instead, choose a card to apply for that you are pretty sure you can get. If you are unable to qualify for an unsecured card, try a secured card to help build your credit.

What impacts your credit score?

Especially with this year’s economic uncertainties, understanding what does and doesn’t affect your credit score is more important than ever if you have fair credit. Almost half (47%) of the surveyed cardholders whose incomes were harmed since March did something to potentially damage their score, according to a July 2020 Bankrate survey.

• 17% added to their debt. Additionally, 8% carried a balance, thinking it would help their score.
  Could hurt your: credit utilization ratio (and wallet)
• 12% paid a bill late, and 6% didn’t pay a bill at all.
  Could hurt your: payment history
• 3% cancelled a credit card, thinking it would help their score.
  Could hurt your: credit history

When you boil down the noise about what factors are and aren’t considered by FICO, we’ve found late payments, keeping your card balances full and bankruptcies have the biggest impact on your score.

There are many misjudgments around credit scores. According to VantageScore’s 2020 Survey, nearly half of Americans (48%) wrongfully believe that a person’s age impacts their credit score. Additionally, that same study found that only 33% knew that a credit score is meant to represent the risk of not repaying a loan, with 14% even thinking that it represents one’s knowledge of consumer credit. While that isn’t the case, improving your knowledge of credit scores is a great step in the right direction.

So what actually impacts your credit? What goes into a FICO score can be broken down into 5 different factors, along with the percentage of importance to your score:

1. Payment history: 35 percent – If you make a payment 30 days past the due date or later, it will most likely appear on your credit report. The later the payment, the worse the impact on your credit score.
2. Amounts owed: 30 percent – The less available credit you are using, the higher your credit score will be.
3. Length of credit history: 15 percent – This refers to the average account age of your accounts and the age of your newest account, which gets younger each time you open a new account.
4. New credit: 10 percent – Each time you apply for a new credit card or loan, a hard inquiry will hit your credit.
5. Credit mix: 10 percent – Having several types of loans – such as a car loan, a mortgage and a credit card – can help your credit.

As this shows, the most important things you can do to improve your credit are making payments on time and making payments in full. To view your current credit score for free and without impacting your score, check out our app.

How fast can credit improve?

The length of time it takes to improve your credit depends on the details of your financial situation. Along with your credit behavior, your starting score is a major factor.

For example, if you have no credit history, it will take a minimum of 6 months to establish a credit score. Credit score formulas require an active credit account to be present for at least 6 months before a score is generated.

If you are repairing damaged credit, however, it can take much longer to up your score. A person who only qualifies for a secured card, for example, can generally improve to fair credit within 12 to 18 months – with responsible card usage, of course.

While some people need to repair minor infractions, others have major issues to climb back from. Overcoming small mishaps will be a quicker journey than, say, recovering from bankruptcy. According to VantageScore, here are the approximate lengths of time it takes to repair credit based on your actions:

What activities affect your credit?

There are a number of factors affecting your credit, and VantageScore has identified which ones are more important than others. What makes one factor more important than another and what can you do about it? It’s about how lenders see the behavior. Here are behaviors, how lenders view them and how much impact they have on your credit:

In the news: Experian launches Go, a tool to build your own credit report

If you’ve boosted your credit score to the fair-credit range, you’ve come a long way. Your efforts have opened the door to more opportunities, making it easier for you to borrow money if you ever need to. Not everyone is as fortunate.

A lot of people still struggle to get their credit score as far as you have. In fact, 28 million have no credit score or credit report and are credit invisible. And because of this, they struggle to gain access to valuable financial resources. This makes it easier for them to fall prey to predatory lending options like payday loans.

If you know anyone who is credit invisible, let them know they have resources available to them. This includes a new tool by Experian that helps people who are credit invisible establish credit records. Instead of relying on lenders to provide the data that determines a credit score, Experian’s Go program lets users create an Experian credit report using recurring bills that are not usually reported to credit bureaus. John Egan has the details on Experian’s new DIY credit report tool.

Research methodology: How we choose the best cards for fair credit

Methodology: We analyzed 161 credit cards in the average credit range to identify the top products in the class. Core criteria we considered in our evaluation include:

• Credit-building features: When building a credit score, it’s vital to have a card that regularly reports your payment habits and has flexibility with your credit limit. We looked for credit cards with perks that help bolster your credit history and make it easy to track your credit score.
• Base rewards program: Does the card provide any ways to earn rewards? Not all cards in the fair credit range do, but some options provide strong cash back earnings, attainable sign-up bonuses and rewards across several spend categories.
• Affordability: Does the card feature an annual fee? Additionally, are there any extra fees you need to watch out for? How high are the interest rates if you were to carry a balance? In other words, we considered how costly a card can be.
• Additional benefits: Some cards offer introductory 0% APR periods on purchases/balance transfers to help protect cardholders from tedious costs. Other protective benefits, like zero fraud risk, prequalification and many more, were also weighed during our analysis.

More information on credit cards

For more information on all things credit cards, continue reading content from our credit card experts:

• What is a fair credit score?
• What credit score do you need for a credit card?
• Credit score statistics

About the Author

Joey Robinson

Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.

About the Editor

Nouri Zarrugh

Nouri Zarrugh is a staff editor at CreditCards.com and Bankrate, focusing on credit card reviews, product news and recommendations. Also a fiction writer, he won the Keene Prize for Literature and holds an MFA in creative writing from the Michener Center for Writers at the University of Texas at Austin.

About the Reviewer

Jason Steele

Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.