Easy Credit Cards With 650 Credit Score

You are here: Home / Credit Cards / 6 Best Credit Cards for a 600 Credit Score (With Approval Odds)

Your FICO score can range from 300 on the low end to 850 at the top. A credit score between 600-649 FICO range can make getting a good credit card a challenge. But there's still hope. Here is a list of the best credit cards for those with a credit score of 600 or more.

Our List of the Best Credit Cards for Fair Credit

Best Credit Cards for Fair Credit (Score of 600 to 649)

Chime Credit Builder Secured Visa® Credit Card–Editor's Pick

The Chime Credit Builder Secured Visa® Credit Card is newer to the credit card game, but they have an excellent offering for a secured card. There is no credit check and no annual fees.

You will need to have a Chime checking account and a $200 qualifying direct deposit to be eligible for a Credit Builder secured card.¹ Your credit limit is based on the amount you put into the Credit Builder secured account from your checking account.

Chime reports to the three main credit bureaus, and you can help increase your credit score by making on-time payments.² Chime will always let you know how much you have available to spend, and you can keep track of your credit score with the app.

• APR: None
• Rewards: None
• Annual Fee: $0
• Best For: Avoiding fees, no interest, and choosing your own credit limit

Approval Odds*

The Chime Card is a secured credit card. As such, it does not run a credit check during the application process.

The Chime Credit Builder Visa® Credit Card is issued by Stride Bank, N.A. pursuant to a license from Visa U.S.A.

¹To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits

²On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

---

Capital One Platinum Credit Card

The Capital One Platinum Credit Card is an unsecured card with automatic credit line reviews, no annual fee, and contactless payment access.

The card does feature a variable APR of up to 26.99%, making this a card you'll want only to keep until you get your credit score to the point where you can qualify for another card.

There's no opportunity to earn cash back or rewards on purchases, but it's easy to get accepted for this card even if you're still beginning your credit score rebuilding journey.

Capital One also offers access to CreditWise, where you can track your credit score and use a simulator to see how financial actions can impact your score.

• APR: 26.99% variable
• Rewards: None
• Annual Fee: $0
• Best For: Easy approval

Approval Odds*

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/01/2021	533	Not Provided	$500
Approved	08/01/2020	673	Not Provided	$1,000
Approved	12/18/2019	664	Equifax	$1,000
Approved	12/18/2019	669	Experian	$1,000
Approved	12/18/2019	684	TransUnion	$1,000
Approved	02/25/2020	589	Equifax	$300
Approved	02/25/2020	595	TransUnion	$300
Approved	02/25/2020	630	Experian	$300
Approved	11/28/2018	574	TransUnion	$300
Approved	11/28/2018	575	Experian	$300
Approved	11/28/2018	593	Equifax	$300
Denied	06/12/2020	587	Experian	---

Read our Capital One Platinum Credit Card Review

---

Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card is a great option if you're looking for rewards. There is an annual fee of $39 and the ability to earn 1.5% cash back on all purchases, with no limit on the rewards. The interest rate is still pretty high at 26.99% APR.

Capital One includes a quick tool where you can move a slider and see how much cash back you could earn in a year. If you spend $1,000 a month, you get cash back of roughly $180 each year. That takes care of the annual fee and puts a little extra money in your pocket.

You'll also have access to CreditWise with this card.

• APR: 26.99% variable
• Rewards: 1.5% cash back
• Annual Fee: $39
• Best For: Simple cash back rewards on all purchases

Approval Odds*

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/03/2017	655	Equifax	$300
Approved	01/04/2017	627	TransUnion	$500
Approved	01/04/2017	636	Equifax	$500
Approved	02/04/2022	800	Not Provided	$4,000
Denied	07/20/2013	724	TransUnion	---
Denied	07/06/2017	633	TransUnion	---

Read our Capital One QuicksilverOne Cash Rewards Credit Card Review

---

Jasper Mastercard

The Jasper Mastercard is one to consider to help build your credit. Jasper features an automatic payment option that keeps your balance below 30% of your credit limit and reports your credit utilization to Equifax, TransUnion, and Experian.

You can manage the card with an app that gives you tips or recommendations on actions you can take to build your credit.

There is no annual fee or foreign transaction fees, but the cash back rewards are small. It starts at 1%, with the promise of an extra 1% for a year for every friend that you refer. Cash back caps out at 6%, which would be great if you didn't have an obligation to refer people.

• APR: 15.49% – 24.99% variable
• Rewards: 1% cash back (Up to 6% in the first year if you refer friends)
• Annual Fee: $0
• Best For: Building credit

Read our Jasper Mastercard Review

---

Petal 1 Visa Card

The Petal 1 Visa Card can also help you rebuild your credit with no annual fee or foreign transaction fees. Petal reports to the three main credit bureaus, and you can keep an eye on your spending and your credit score with the app.

You can be approved for a line of credit starting at $300 and going up to $5,000. You can earn a credit line increase with six months of on-time payments if you begin with a lower limit. The app also makes it easy to track the actions you need to take to earn a credit limit increase.

Be prepared to connect your bank account via Plaid to verify the income. Petal is a bit of a process, but it offers 2% – 10% cash back at select merchants. You can use the app to find merchants offering cash back deals.

Petal's website makes it easy to get more information, and the application form flowed incredibly well when I tested it out.

• APR: 20.24% – 29.74% variable
• Rewards: 2% to 10% cash back at select merchants
• Annual Fee: $0
• Best For: Building credit and keeping an eye on your credit score

Approval Odds*

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	02/07/2022	698	Experian	$3,600
Approved	02/07/2022	700	Equifax	$3,600
Approved	02/07/2022	713	TransUnion	$3,600
Approved	01/27/2022	677	Experian	$2,600
Approved	07/17/2018	659	TransUnion	---
Approved	12/15/2021	740	Experian	$2,500

Read our Petal 1 Visa Card Review

---

Discover It® Secured Credit Card

The Discover It® Secured Credit Card is a secured credit card with rewards, which you don't often see with secured cards. This card offers no annual fee, and the security deposit starts at $200.

Putting down a security deposit to open a credit card is not ideal. However, a secured card can get you back to rebuilding credit if you have limited options.

The rewards are great. You can earn 2% cash back at gas stations and restaurants, up to $1000 in purchases every quarter, and unlimited 1% cash back on all other purchases.

The icing on the cake here is that you get an unlimited match of the cash back you earn at the end of your first year with no additional steps required.

Discover offers an automatic account review seven months after you open the card to see if you can convert to an unsecured card. You can get your deposit back, and it works like a standard credit card.

• APR: 22.99% variable
• Rewards: 2% cash back at gas stations and restaurants and 1% on all other purchases
• Annual Fee: $0
• Best For: Earning rewards while quickly building towards an unsecured card

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	12/27/2021	618	Experian	$3,000
Approved	02/10/2022	726	TransUnion	$3,000
Approved	08/10/2017	547	Equifax	$200
Approved	02/19/2019	577	TransUnion	$300
Denied	07/08/2021	661	Experian	---
Denied	12/27/2019	672	Experian	---

Read our Discover It® Secured Credit Card Review

---

Research Methodology

Our ratings are based on comparing credit card offers designed for those with a credit score of 600 to 649.

To create this list, we first narrowed our database of credit cards to those designed for those with fair credit. We considered by traditional credit cards and secured cards. We then focused on each card's interest rates, rewards and fees.

*The credit score data provided for some of the cards listed above came from publicly available information in a number of forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant's credit score and that underwriting standards change over time.

How to Choose a Credit Card for Fair Credit

Remember that every new credit card you apply for results in a hard inquiry, impacting your credit score. It's wise to pick a good card or two to minimize the consequences and maximize your benefits.

Also, consider these factors:

Your Credit Score: While the cards here are designed for fair credit, there's a big difference between a score of say 600 and 640. The higher your credit score, the more likely you will qualify for a card. Many on our list allow you to prequalify without hurting your FICO score.

Fees: We prefer credit cards without an annual fee. Most of the cards on our list meet this standard. The few that do charge an annual fee offer something in return, such as cash back rewards.

Rewards: Until recently, it was rare to see cards for fair to average credit offering cash back rewards. Today they are more common, particularly with new card companies such as Jasper and Petal.

Credit Score Tools: If you have fair credit, your goal should be to improve your credit score, and you'll want to consider the tools some credit card issuers offer to build and monitor your score quickly. For example, Capital One offers free credit monitoring with CreditWise. Jasper provides a one-of-a-kind automatic payment feature that keeps your balance below 30% of your credit limit. Keeping your credit utilization low is essential in building and maintaining a good credit score.

FAQs

What is the best credit card for a 600 credit score?

While there are several good options, the Capital One Platinum Credit Card is considered one of the best. It charges no annual fee, offers credit-building tools, and Capital One will consider a credit line increase in as little as six months.

What is the best credit card for a 620 credit score?

Capital One QuicksilverOne is a solid option, particularly when spending $2,600 or more a year on the card. It does charge an annual fee, but the 1.5% cash back rewards more than make up for it.

What is the best credit card for a 640 credit score?

For those with a credit score at the high end of fair credit, the Jasper Mastercard is an excellent option. The card pays up to 6% cash back, charges no annual fee, and currently offers a $100 signup bonus.

What is the easiest credit card to get if you have fair credit?

While all of the cards in our list are designed for fair credit, the Capital One Platinum Credit Card is one of the easiest cards to get approved with fair credit based on our research of approvals and denials.

Final Thoughts

Don't let a few credit issues from the past keep you from a brighter credit future. You have what it takes to build excellent credit. We recommend holding onto these cards long enough to move to a higher credit score tier. Once you see that your score is at or just below 700, it's time to move on to credit cards for good credit.

mackeyinglacrievor39.blogspot.com

Source: https://www.allcards.com/credit-cards-score-600/

Share this post