For those with average credit scores, instantcredit.org has three credit cards offer. These people naturally have to pay a higher interest than those with excellent credit scores. There is no introductory waiver of interest for them, and the APR ranges from ten percent to twenty two percent. An annual fee of fifty dollars is collected for these cards. But, these instant credit cards still charge a lesser rate of interest when compared with other popular credit cards that charge an interest of 35%. Best credit cards are sanctioned by the banks without insisting upon providing the credit scores or proof of regular income.