If you have average credit, the Capital One QuicksilverOne Cash Rewards Credit Card may be a great option. It is great for those who have had a credit misstep (or two) in the past few years.

Keep in mind that it does have a $39 annual fee and a 24.99% APR. But, you’ll earn an unlimited 1.5% cash back on all your purchases.

You’ll also have access to a higher credit limit after making your first monthly payments on time.
Also, when you use the card responsibly, you may be able to upgrade to the QuicksilverOne’s no-annual-fee big brother: the Capital One Quicksilver Cash Rewards Credit Card.