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No single card is the best cash-back choice for everyone with average credit. “Average” is not an official credit category, and each issuer sets its own approval rules. For most readers, the practical choice is one of three Capital One cards, depending on whether you want flat rewards, rewards tied to specific spending categories, or a secured account with no annual fee.
What “average credit” means
“Average” is a casual description, not a lender classification. Capital One’s issuer guide, dated May 7, 2026, puts FICO’s fair-credit range at 580 to 669. Within that same guide, Capital One attributes a U.S. average FICO score of 714 for March 2026 to FICO. That figure is useful context, but it is reported through Capital One rather than checked against a FICO page, so treat it as background.
A score in the fair range does not decide your outcome. Issuers weigh income, existing debt, payment history and other factors, and they use their own criteria. Capital One says fair credit may qualify for either secured or unsecured products. Mastercard’s fair-credit marketplace makes the same point: a credit score is one indicator and does not guarantee or imply approval.
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Capital One’s issuer guide lists the three cards below. The table shows the terms as listed in that guide, and it is not a ranking.
#1 Best Overall
- Highly elastic&Put more-This cell phone card holder is made of stretchy fabric with self adhesive sticker,which holds the content of the pocket from falling,even when the phone pocket is upside down.Touch much soft than silicone and leather card holder.Suitable for back of phone or phone case.The pocket is suitable for credit cards or ID cards.Small but very handy&functional for mobile phone.
- Strong adhesive-This stick on wallet is applied with self adhesive tape backing for a strong,firm,long-lasting sticky effect,provides a strong attachment to the surface of your phone.No worry that the card or money may loose.
- Tight and protective-This phone wallet can firmly hold up to 8 cards & earphones & cash and never let go. The special hat design helps to protect your cards and money from missing or being stolen.Over 8 cards or more the holder need one night to restore.
- Fashion and convenient-The design is unique brings you fashion feeling.You may put some money,earphone,key,even gum in this card holder.And no more wallet needed when you out.Just take a phone with this card holder.Especially during exercise,go travelling,in the gym,running,doing sport.Indeed a handy&practical small phone wallet for your beloved phone. The color black,navy blue also meet all requirement of whole family.
- Compatible with-iPhone 7/7 Plus/8/8 Plus/X/6/6 Plus/5/5s/5c/4/4s,Google Pixel,Samsung Galaxy S9/S8/S8+/S9+/S7/S6/S5/S4/ S3/S2,Galaxy Note 9/8/5/4/3/2/1,Galaxy A8/A6,LG G6/G5/G6/G5/G4/G3/G2/X/Optimus series,Nexus 6/5/4,HTC M8/EVO/Desire/Sense,iPod Touch, Sony Xperia,HUAWEI P9 Lite,ZET,coolpad and much more! Works with nearly ANY phone case including: Spigen,Ringke,Otterbox,Lifeproof, CaseMate,Belkin,Speck,Apple and more.(PS:for anti-fingerprint glass back phone please apply on a phone case)
| Card | Rewards as listed | Annual fee | Best fit | Main trade-off |
|---|---|---|---|---|
| Capital One QuicksilverOne | 1.5% cash back on every purchase | $39 | Simple, flat-rate rewards | The fee offsets rewards unless annual spending is high enough |
| Capital One SavorOne | 3% at grocery stores, on dining, entertainment and popular streaming services; 1% on other purchases | $39 | Spending that concentrates in those categories | Little advantage if most spending falls outside the bonus categories |
| Capital One Quicksilver Secured | 1.5% cash back | $0 | Readers who want no annual fee and are willing to secure the account | Requires a refundable minimum deposit of $200 |
Matching a card to your spending
QuicksilverOne: simple flat rewards
At 1.5% on every purchase, this card needs no tracking of categories. The $39 annual fee is the main cost. Using listed rates only and ignoring any offers or limits, you would need about $2,600 in annual purchases before the rewards alone equal the fee. Below that level, the card costs you money on rewards alone, so it works best for readers who expect to charge more than that across the year.
SavorOne: rewards tied to bonus categories
SavorOne pays 3% in the listed categories and 1% elsewhere. On the same arithmetic, $1,300 a year in bonus-category spending would cover the $39 fee, before counting the 1% on everything else. If your grocery, dining, entertainment or streaming bills are large and steady, this card can outperform a flat 1.5% option. If they are small, the flat-rate card usually makes more sense.
Rank #2
- GREAT STROAGE: With double pocket, No more need for a bulky wallet or purse, our card holder easily hold your credit cards, id and some cash and you're ready to go.
- QUALITY MATERIAL: The card holder is made of strong quality, anti-slip silicone material. It is strong and durable enough to keep its shape and cards will not fall out.
- UNIVERSAL SIZE: Fit with almost all Smartphones, such as iPhone 14 Pro, 14 , 13 Pro Max, 13 Pro, 13, 13 Mini, 12 Pro Max, 12 Pro, 12, 12 Mini, 11 Plus, 11, 11 Max, Xs, Xs Max, XR, 8 Plus, 8, X, SE, 7, 7 Plus, 6, 6 Plus, 5, 5s, 5c, 5, 4, 4s; Samsung Galaxy S5, S4, S3, S2; Galaxy Note 4, 3, 2, 1; LG G3, G2, Optimus series; Nexus 6, 5, 4; HTC M8, EVO, Desire, Sense
- EASY TO INSTALL AND USE: Easy use, peel off the cover of the back of the card holder, and stick on the back of the phone, then done. With the strong sticker, it can adhesive on any smooth face and hold things firmly. Notice: The phone holder for hand would not suitable for case as: liquid silicone, 3D bump, leather, glass
- MULTI FUNCTION: Not just only a phone wallet, attach it to your car, desk, fridge or any other place you want and get extra storage space.
Quicksilver Secured: no fee, with a deposit
This is the option for readers who want to avoid an annual fee and accept a refundable deposit. The listed minimum deposit is $200, and the card earns 1.5% cash back. The deposit is held as security for the account, so the money is tied up while the account is open. Check the issuer’s terms for how the deposit is returned and how the account can be upgraded or closed.
How to choose
- Estimate your annual spending. Total what you charge in a typical year, and separately total the spending in SavorOne’s bonus categories.
- Compare the fee against the rewards. For QuicksilverOne and SavorOne, subtract $39 from the rewards you would earn. If the result is negative, the card is not paying for itself.
- Decide whether you need a deposit. If you need a card with no annual fee and can set aside $200, Quicksilver Secured is the only option of the three that avoids the fee.
- Check the current terms on the issuer’s site. Confirm the APR, fee and reward rules before applying, because published rates change.
Verify the terms before you apply
Comparison pages and offers can lag behind issuer updates. Before you apply, check each item below on the issuer’s own rates and fees page.
Rank #3
- DOUBLE POCKET & GREAT STORAGE: This phone sleeve with 2 layer, double pocket design, with much more storage than others, you can easily put your credit cards, Debit Cards, Cash etc.
- UNIVERSAL FITMENT: This phone wallet pocket fits almost all smartphones, includeing iPhone X/XS/XS Max/XR /8 /8 Plus /7 /7 Plus /6 /6 Plus, Samsung Galaxy S6/S5/S4/S3, Galaxy Note 5/4/3/2/ 1,ect.
- STRONG ADHESIVE: Sticker makes the card holder strong enough on any smooth surface, such as normal glasses, smooth cell phone cases, leather phone case. Please note: Oil-resistant mobile phone cases and original phone glass back are not suitable for this product, such as Liquid Silicone Gel Rubber Case
- MULTI USE: It can not only be attached to back of phone, it can stick on every smooth surface place. Add a extra pocket in car, computer or on the fridge and have more storage space.
- EASY USE, EASY CARRY: Just peel off the cover of the phone wallet, stick on back of phone, and finish by softly pressing. With it you can carry only one phone out of door but with your card, cash, ear phone all your needs.
- Current APR, including whether it is variable
- Annual fee and any other fees
- How rewards are earned, including any category limits or exclusions
- How rewards are redeemed and whether they expire
- For the secured card, the deposit amount, how it is held and how it is refunded
When Mastercard’s fair-credit page was checked, it listed a 29.24% variable APR for both QuicksilverOne and SavorOne. Treat that as a snapshot, not a fixed rate, and confirm it with the issuer.
Why interest can erase the rewards
Cash back only helps if you pay the statement balance in full each month. At a 29.24% APR, a balance of $1,000 carried for one year would cost roughly $292 in interest, against about $15 in rewards at 1.5%. That single carried balance cancels out the rewards from about nineteen years of 1.5% earnings on the same amount. Choose the card you can pay off in full, and treat the rewards as a bonus on top of that habit.
Rank #4
- Credit card holder with soft luxury leather
- 20 debit / credit cards can be spaced.
- Business Cards and ID card can be held as well
- Measures: 100 x 75 mm
- One Month Money Back Without Return The Defective Or Broken Item.Three Months Money Back With No reason(Need To Return The Item).
Bottom line
For a reader with fair credit, the best cash-back card is the one that matches your spending and your need for a deposit. Pick QuicksilverOne if you spend steadily above roughly $2,600 a year and want simple rewards. Pick SavorOne if a large share of your spending falls in its bonus categories. Pick Quicksilver Secured if you want no annual fee and can post a $200 deposit. Confirm the current terms with the issuer before applying.
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Best Value
- Premium Durable Leather：This phone card holder is made of quality PU leather, which offers a soft touch, luxurious appearance and last longer. Double pocket design allows you to classify your items easily.
- Strong Stickiness: Each phone wallet pocket uses a high-quality 3M adhesive tape backing for a strong, firm, long-lasting hold. It won't lose strength due to pocket heat, light moisture or sweat, and it won't leave a sticky residue if you choose to remove.
- Universal Size: Perfectly fit iPhone wallet and Samsung Galaxy, Android which size 4 inch or above, such as iPhone12 / iPhone11 / 11pro / iPhone XS Max XR/X / 8 / 8 Plus / 7 / 7 Plus / 6 / 6 Plus/ 6s / 6s Plus, Samsung Galaxy S2 /S3 / S4 / S5 / S6 / S7 /S8 /S9 PLUS, Samsung Galaxy Note, Sony Xperia and more cell phones.
- Easy Convenience Use: Easy stick on every smooth face such as phone or phone case. Peel off the cover of the sticker and stick to the back of your phones and finish by softly pressing.
- Leave Your Wallet at Home - No need your bulky wallet or purse anymore. Just slip your credit cards, ID and some cash into the card holder for back of phone and you're ready to go!
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
