8 Best Credit Cards for 650 Credit Score (Average Credit)
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The average credit score varies from year to year. In the most recent data released by FICO, the average score was 714. That's high based on historical standards, as the average score typically falls in a range of 650-699. Finding the best credit card for 650 credit score and above can be tricky.
A score in the high 600s is good enough to avoid bad credit credit cards. At the same time, it's not quite high enough for the best credit cards.
The following cards are designed for individuals with credit scores in the 650, 660, 670, 680, or 690 ranges. For FICO scores in this range, these cards offer a good chance of approval, report payments to all three major credit bureaus, offer reasonable terms, and can help improve your credit score.
- List of the Best Credit Cards with Average Credit
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Blue Cash Everyday® Card from American Express
- Citi® Double Cash Card - 18 month BT offer
- Capital One QuicksilverOne Cash Rewards Credit Card
- Blue Cash Preferred® Card from American Express
- Capital One VentureOne Rewards Credit Card
- The Platinum Card® from American Express
- 4 Tips to Getting a Credit Card with a Score of 650 to 700
- FAQs
List of the Best Credit Cards with Average Credit
Capital One Quicksilver Cash Rewards Credit Card

Rewards:
Annual Fee: $0
Welcome Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% intro APR on purchases and balance transfers for the first 15 months.
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/08/2021 | Equifax | ||
Approved | 07/08/2021 | Experian | ||
Approved | 07/08/2021 | TransUnion | ||
Approved | 10/05/2021 | Not Provided | ||
Approved | 07/01/2021 | Experian | ||
Approved | 06/01/2021 | TransUnion | ||
Approved | 06/01/2021 | Equifax | ||
Approved | 10/05/2021 | TransUnion | ||
Denied | 06/30/2023 | Not Provided |
Capital One SavorOne Cash Rewards Credit Card

Rewards:
Annual Fee: $0
Welcome Bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2023 | Experian | ||
Approved | 02/01/2023 | TransUnion | ||
Approved | 05/11/2023 | Not Provided | ||
Approved | 06/08/2023 | Not Provided | ||
Approved | 07/26/2023 | Experian | ||
Approved | 09/08/2023 | Experian | ||
Approved | 09/08/2023 | Equifax | ||
Approved | 08/22/2023 | Experian | ||
Approved | 08/22/2023 | Equifax | ||
Approved | 08/22/2023 | TransUnion | ||
Approved | 02/10/2023 | Not Provided | ||
Approved | 02/12/2023 | TransUnion |
Blue Cash Everyday® Card from American Express

Rewards:
Annual Fee: $0
Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Pre-approval: Find out if you're approved with no impact on your credit score (if you're approved and you accept a card, your credit score may be impacted)
0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months, then a rate of 19.24% - 29.99%.
Approval Odds*
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2023 | Experian | ||
Approved | 09/24/2023 | Experian | ||
Approved | 09/24/2023 | Equifax | ||
Approved | 09/24/2023 | TransUnion | ||
Approved | 05/21/2023 | Experian | ||
Approved | 07/20/2023 | Equifax | ||
Approved | 07/20/2023 | Experian | ||
Approved | 07/20/2023 | TransUnion | ||
Approved | 06/15/2023 | Not Provided |
Citi® Double Cash Card - 18 month BT offer

Rewards:
Annual Fee: $0
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
0% Intro APR: Get 0% APR on balance transfers for the first 18 months.
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/20/2023 | Not Provided | ||
Approved | 07/11/2023 | Equifax | ||
Approved | 07/25/2022 | Not Provided | ||
Approved | 08/26/2022 | Equifax | ||
Denied | 01/10/2023 | Equifax |
Capital One QuicksilverOne Cash Rewards Credit Card

You'll also have access to CreditWise to keep tabs on your credit score.
Rewards:
Annual Fee: $39
Best For: Simple cash back rewards on all purchases
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/01/2023 | Not Provided | ||
Approved | 02/04/2022 | Not Provided |
Blue Cash Preferred® Card from American Express

Rewards:
Annual Fee: $0 intro annual fee for the first year, then $95.
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Pre-approval: Find out if you're approved with no impact on your credit score
0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 19.24% - 29.99%.
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 01/19/2023 | Not Provided | ||
Approved | 02/16/2022 | Not Provided | ||
Approved | 02/03/2022 | Not Provided | ||
Approved | 06/22/2022 | Experian | ||
Approved | 04/09/2022 | Experian | ||
Approved | 04/09/2022 | TransUnion | ||
Approved | 06/02/2022 | Not Provided | ||
Approved | 05/04/2023 | Experian | ||
Approved | 05/04/2023 | TransUnion | ||
Approved | 05/04/2023 | Equifax | ||
Approved | 03/20/2022 | Experian | ||
Approved | 09/05/2022 | Experian | ||
Approved | 09/05/2022 | TransUnion | ||
Approved | 09/05/2022 | Equifax | ||
Approved | 10/22/2022 | Experian |
Capital One VentureOne Rewards Credit Card

Rewards:
Annual Fee: $0
Welcome Bonus: 20,000 Miles once you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months.
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/29/2021 | Equifax | ||
Approved | 10/29/2021 | Experian | ||
Approved | 10/29/2021 | TransUnion | ||
Approved | 07/28/2022 | Experian |
The Platinum Card® from American Express

Rewards:
Annual Fee: $695
Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Approval Odds
Credit Score of Approved and Denied Applications
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/28/2023 | Equifax | ||
Approved | 04/28/2023 | TransUnion | ||
Approved | 04/28/2023 | Experian | ||
Approved | 08/16/2023 | Equifax | ||
Approved | 08/16/2023 | Experian | ||
Approved | 08/16/2023 | TransUnion | ||
Approved | 01/04/2023 | Not Provided | ||
Approved | 01/23/2023 | Not Provided |
4 Tips to Getting a Credit Card with a Score of 650 to 700
- Know your credit score. Even a few points can make a difference between qualifying for a credit card or not, or perhaps getting a better card. There are plenty of ways to see your score for free.
- Watch the fees. Some credit cards designed for fair credit charge exorbitant fees. Many of the cards in our list charge no annual fee, and the others offer a reasonable fee. As you compare cards, make sure you understand how the fees work.
- Expect lower credit limits. While the credit limit will vary from one card to the next and one applicant to the next, expect credit limits in the hundreds of dollars, not thousands of dollars. There will be some exceptions, of course, but don't count on it.
- Always pay the card on time. These cards can help improve your credit score, but only if you pay the credit card bill on time, every time. Late payments are the most significant factor in the FICO score, and they can hurt your score considerably, even with just one late payment.
FAQs
What is a fair to average credit score?
Fair credit scores range from about 580 to 669. An average credit score varies from year to year but usually settles in the 670 to 699 range.
What's the best credit card with a score of 650 to 700?
While the best card will vary from one person to the next, the Citi® Double Cash Card - 18 month BT offer is arguably the best option. It doesn't charge an annual fee and offers up to 2% cash back on all your purchases.
Can I get a fair credit credit card if I've defaulted on a loan?
Yes, depending on how long ago the default was, your credit score, and other underwriting factors. Capital One specifically defines “fair credit” as including those who have defaulted on a loan in the past 5 years.