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The Schools Platinum Rebate Visa credit card gives only 1% cash back on purchases. Having fair credit, you can get a credit card with a higher cash back rate. Regular credit cards, non-union cards, often give bigger rewards. The average cash back reward for people with fair credit is 1.5%. However, we would recommend you to look at fees and interest rates as well to choose the best option for you. Also, note that credit cards with rewards require cardholders to pay the card balance in full each month to get the most out of the rewards.