In the U.S., the average credit score is about 690. With a 690 credit score, you can may be able to qualify for a credit card that is targeted to people with good credit, unless you have been more than 30 days late on credit payment in the past six months or have a limited credit history. Because higher interest rates and annual fees are often associated with credit cards for average credit, you may want to check your credit score to see if your credit is good enough to qualify for a no annual fee credit card with a lower interest rate. You can check your credit score for free before applying online. Hopefully, you'll find that your credit score is better than you anticipated.