Theresa Chalfant, Writer
@theresa_chalfant
The best credit card for the average person is the Wells Fargo Active Cash® Card. It offers 2% cash rewards on purchases and a 0% introductory APR for 12 months from account opening on purchases and qualifying balance transfers, all for a $0 annual fee, making it a good option for most people.
Best Credit Cards for the Average Person in 2025
| Card name | Best for | Annual fee |
| Wells Fargo Active Cash | Best Overall | $0 |
| Chase Freedom Unlimited | Best for Bonus Cash | $0 |
| Capital One QuicksilverOne | Best for Fair Credit | $39 |
| opensky Plus Credit Card | Best with No Credit Check | $0 |
Choosing the Best Credit Card for Your Credit Score
The average credit score in the U.S. is in the fair-to-good credit range, and the Wells Fargo Active Cash card is intended for people with good credit or better. However, everyone is a bit different, so the same card may not suit everyone perfectly.
If you have limited credit, a good option might be the Capital One QuicksilverOne Cash Rewards Credit Card. Although it comes with a $39 annual fee, it offers 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. Based on the average person’s spending, that’s a money-saving tradeoff so long as you avoid interest charges.
There are many great credit card options available for the average consumer, though the higher your income and credit score are, the more likely you are to be approved. It’s a good idea to check your credit score to see which cards you qualify for before you apply, and you can compare the best cards on WalletHub.
2025's Best Credit Cards
Popular Credit Cards
-
Low Intro APR & Bonus Rewards
-
Everyday Cash Back
-
Good Credit
-
0% Intro APR
People also ask
Which credit card is best for normal use?
The best credit card for normal use is the Wells Fargo Active Cash® Card. It offers unlimited 2% cash rewards on purchases, an initial bonus of $200 cash rewards after spending $500 on purchases in the first 3 months, and an intro APR of 0% for 12 months from account opening. Wells Fargo Active Cash also has a $0 annual fee.
There are several other credit cards that can get you tremendous value with normal use, too.
Best Credit Cards for Normal Use
- Rates & Fees Cash Back at a Flat Rate:
- Rates & Fees Cash Back at a Flat Rate:
- Cash Back at a Flat Rate:
- Rates & Fees Terms ApplyBonus Cash Rewards:
- Rates & Fees Terms ApplyBonus Cash Rewards:
- Bonus Cash Rewards:
- Details, Rates & Fees Travel Rewards:
- Details, Rates & Fees Travel Rewards:
- Travel Rewards:
- Details, Rates & Fees Dining & Entertainment:
- Details, Rates & Fees Dining & Entertainment:
- Dining & Entertainment:
- Rewards on Gas:
- Rewards on Gas:
- Rewards on Gas:
- Rates & Fees Bonus Reward Categories:
- Rates & Fees Bonus Reward Categories:
- Bonus Reward Categories:
- Cash Back at a Flat Rate:
- Bonus Cash Rewards:
- Travel Rewards:
- Dining & Entertainment:
- Rewards on Gas:
- Bonus Reward Categories:
You will need at least good credit to be approved for many of the best credit...
read full answer by Chip Lupo, Credit Card WriterWhat are the best high limit credit cards for average credit?
The best high limit credit card for fair credit is the Upgrade Cash Rewards Visa® because it offers a credit limit that depends on your overall creditworthiness when you apply. The Upgrade Cash Rewards Card also has a $0 annual fee, accepts applicants with fair credit, and offers solid rewards. Cardholders earn 1.5% cash back on purchases.
High Limit Credit Cards for Average Credit
People with average credit typically don’t have many options when it comes to high-limit credit...
read full answer by John S Kiernan, Managing EditorHow much does the average person have on their credit card?
The average person had a credit card balance of $6,730 as of Q3 2024, according to Experian. That figure reflects how much people were carrying from month to month. meaning not paid off in full. WalletHub data puts the average household balance even higher, at around $10,767.
However, if you’re asking about credit limits, that depends a lot on credit score, income and overall credit history. On average, U.S. consumers had about $29,855 in total...
read full answer by John Miller, Credit Cards ModeratorDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.