8 Credit Cards You Can Get Approved For With a 670 Credit Score

Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.

With a score of 670, you are at the lower end of the “Good” category according to the FICO standards. You will likely be approved for credit, although not necessarily at the most competitive interest rates. Lenders see borrowers with scores in this range as somewhat risky, so while you might not get the best interest rates, you should still have a decent number of credit cards and loan options.

Below are eight credit cards we believe you can be approved with an application. It’s important to note that your credit score is only one thing that credit card underwriters look at when determining whether or not you’ll be approved for a credit card. Your job, credit history, current debt, and many other factors also come into play.

Credit Cards To Apply For with a 670 Credit Score

1. Capital One SavorOne Cash Rewards for Good Credit

2. Blue Cash Everyday® Card from American Express

3. Citi^® Double Cash Card - 18 month BT offer

4. Capital One Quicksilver Cash Rewards for Good Credit

5. Prime Visa

6. Fidelity® Rewards Visa Signature® Credit Card

7. Chase Freedom Rise℠

8. Ink Business Unlimited® Credit Card

Three Tips for Improving Your Credit Score

If you have a credit score of 670 and apply and are approved for one of the above credit cards, you’re likely to end up with an interest rate on the high end of the scale and a credit limit on the low end of the scale.

Improving your credit score can be deliberate, but some strategies can help you quickly boost it. Here are three effective tips:

1. Reduce Your Credit Utilization Rate: This is one of the fastest ways to improve your score. Your credit utilization rate is the ratio of your credit card balances to your credit limits. Keeping this ratio below 30% is ideal; below 10% is even better. You can lower your utilization by paying down existing balances and not accruing more debt. Making multiple monthly payments can also help you manage your balances more efficiently.
2. Rectify Errors on Your Credit Reports: Sometimes, errors on credit reports can drag down your score. Obtain a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com. Review them for inaccuracies, such as incorrect late payments, duplicated accounts, or false debts. Dispute any errors you find with the appropriate credit bureau to have them corrected, which can improve your score.
3. Increase Credit Limits: If you can’t immediately pay down debt, you can ask creditors to increase your credit limits. This can reduce your overall credit utilization ratio without reducing your current balances. However, this approach should be used cautiously; it’s important not to spend up to the new limit, as doing so could backfire and reduce your score.

Should You Apply for a Credit Card with a 670 Credit Score?

The short answer is yes. So long as you use your credit card responsibly (keeping your revolving balance close to $0 and spending well within your means), credit cards are an important resource in a healthy personal finance profile.

Using a good credit card responsibly is an excellent way to improve your credit score further. This includes making timely payments, keeping balances low, and not maxing out your credit limit. Good credit cards often come with increased credit limits, which, if managed well, can improve your credit utilization ratio—a major factor in credit scoring.

As your score improves, you can access even better financial products, potentially including mortgage rates, auto loans, and more advantageous credit cards designed for good and excellent credit.