Finding the right credit card can be challenging — especially if you have a less-than-perfect\u00a0 credit score . While FICO and the various credit reporting \u2026<\/b>
\nFinding the right credit card can be challenging — especially if you have a less-than-perfect credit score. While FICO and the various credit reporting bureaus use slightly different credit score rankings, in general, if your credit score is less than 670, you may be designated as having \u00ab\u00a0fair\u00a0\u00bb or \u00ab\u00a0average\u00a0\u00bb credit. If you’re in one of these categories, you may not have access to all of the top-tier cards — but there are still plenty of worthwhile credit cards designed for you. Some of them can even help boost your credit score and earn you cash back and other rewards. We’ve rounded up the best credit cards for people with lower credit scores, focusing on low fees, worthy reward rates and reasonable credit requirements. Our top picks are below. If you’re searching for a credit card based on even more specific criteria, check out our recommendations for the best secured credit cards and the best 0% APR credit cards. CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back, welcome bonus, travel rewards and balance transfer. We take into consideration the typical spending behavior of a range of consumer profiles — with the understanding that everyone’s financial situation is different — and the designated function of a card. For cash-back credit cards, for example, key factors include the annual fee, the \u00ab\u00a0welcome bonus\u00a0\u00bb and the cash-back rate (or rates, if they differ by spending category). For rewards and miles cards, we calculate and weigh the net monetary value of a card’s respective perks. And with balance transfer credit cards, we analyze specs such as the duration of the introductory 0% APR period and the balance transfer fee, while acknowledging secondary factors such as the standard APR and the length of time you have to make a balance transfer after you open the account. *All information about the Petal 2 Visa Credit Card, Capital One Platinum Credit Card, Avant Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Capital One Quicksilver Rewards for Good Credit, Capital One Quicksilver Rewards, Capital One Platinum Secured Credit Card and the Discover it Student Cash Back has been collected independently by CNET and has not been reviewed by the issuer. The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.<\/p>\n