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Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →There is no single best cash-back card for everyone with average credit—and the label does not guarantee approval. For simple rewards, compare Capital One QuicksilverOne; for spending in selected bonus categories, compare SavorOne; and if you prefer a secured account, consider Quicksilver Secured. Each has different costs and eligibility terms, so check the issuer’s current offer before applying.
What “average credit” means—and what it doesn’t
“Average credit” is a broad description, not an official FICO or VantageScore category. Capital One describes FICO scores from 580 to 669 as fair credit in its May 7, 2026 guide to fair-credit cards. That range is a guide, not a promise that an issuer will approve an application.
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Capital One’s guide also reports that the average U.S. FICO score was 714 in March 2026, attributing that figure to FICO. A national average does not determine whether you qualify for a particular card. Issuers use their own criteria, and a score alone does not guarantee approval; Mastercard makes the same caveat on its fair-credit card marketplace.
Three cash-back cards to compare
These options are not a definitive ranking. The right fit depends on where you spend, whether a secured account suits you, and how fees and interest affect your rewards. Terms below are those shown in Capital One’s guide when accessed October 7, 2026; offers can change.
#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 shown | Annual fee | Key trade-off |
|---|---|---|---|
| Capital One QuicksilverOne | 1.5% cash back on every purchase | $39 | Simple flat-rate rewards, but the fee reduces their net value. |
| Capital One SavorOne | 3% at grocery stores, on dining, entertainment, and popular streaming services; 1% on other purchases | $39 | Higher rewards in listed categories; value depends on how much eligible spending you have. |
| Capital One Quicksilver Secured | 1.5% cash back | $0 | Requires a refundable security deposit of at least $200. |
QuicksilverOne: straightforward rewards
QuicksilverOne is the simplest of these to evaluate if you want one rewards rate across purchases: the guide lists 1.5% cash back and a $39 annual fee. To see whether that fee is worthwhile, estimate your annual cash back at 1.5% and subtract $39. That calculation excludes any interest or other costs.
SavorOne: better aligned with selected spending
SavorOne may suit you if a meaningful share of your spending falls into its listed grocery, dining, entertainment, or popular streaming categories. The guide lists 3% in those categories and 1% elsewhere, plus a $39 annual fee. Spending outside the eligible categories earns the lower rate, so compare your actual purchases rather than assuming the headline rate applies to everything.
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: a secured-account route
Quicksilver Secured is the secured option among these three. Capital One’s guide lists 1.5% cash back, no annual fee, and a minimum refundable deposit of $200. The deposit is money you must provide to secure the account; consider whether tying up that amount works for your budget.
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1Clear out junk files and repair common Windows errors2Scan for outdated or missing drivers - takes under a minute3Repair Windows errors before they cause bigger problemsHow to choose based on your spending and costs
- Estimate category spending. If most of your eligible purchases are in SavorOne’s listed categories, compare its category rewards with QuicksilverOne’s flat 1.5% rate. If your spending is spread across other purchases, the flat rate may be easier to assess.
- Subtract the annual fee. For either card with a $39 fee, deduct that amount from estimated annual rewards to compare approximate net rewards before interest and other charges.
- Account for interest. Compare the APR and avoid carrying a balance where possible. Interest can outweigh cash back; paying the statement balance in full each month helps avoid purchase interest when your account terms provide a grace period.
- Decide whether a secured card fits. If you want a secured account, weigh the no-fee Quicksilver Secured against its refundable minimum deposit and the rewards you expect to earn.
- Review redemption rules and eligibility. Check how rewards are earned and redeemed, any restrictions, the APR, fees, and the issuer’s application criteria before choosing.
Check current terms before applying
Card rates and offers can change. Capital One’s fair-credit guide is the source for the reward rates, fees, and deposit described above; its rates and fees page is the place to confirm current issuer terms. Mastercard’s comparison page displayed a 29.24% variable APR for both QuicksilverOne and SavorOne when reviewed for this comparison, but APR is volatile; confirm the rate offered by the issuer rather than treating that displayed figure as permanent.
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.
Capital One says fair credit may qualify for secured or unsecured products, but its criteria—and those of other issuers—still apply. A higher score can typically make qualifying for lower-rate cards easier, yet no score by itself guarantees approval. Review the specific offer and your finances before submitting an application.
Quick Recap
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!
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).
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.
