6 Best Credit Cards for 650 Credit Score (Average Credit)

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 QuicksilverOne Cash Rewards Credit Card

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Our Rating: 4.4

★★★★★☆

Capital One QuicksilverOne Cash Rewards Credit Card

Welcome Offer (Terms Apply)

Earn unlimited 1.5% cash back

Est. Value

None

Annual Fee

$39

APR

29.99% Variable

Credit Req’d

Average, Fair, Limited

Rewards: Earn unlimited 1.5% cash back on every purchase.

The Capital One QuicksilverOne Cash Rewards Credit Card is an attractive choice for those seeking rewards. It carries an annual fee of $39 but offers a generous 1.5% cash back on all your purchases, without any cap on the earnings. The interest rate is still pretty high at 29.99% APR, which means cardholders should pay the balance in full each month to avoid interest charges.

1.5% cash back

All eligible purchases

Earn unlimited 1.5% cash back on every purchase, every day

5% cash back

Hotels

Earn 5% cash back on hotels booked through Capital One Travel (terms apply)

5% cash back

Rental Cars

Earn 5% cash back on rental cars booked through Capital One Travel (terms apply)

Pros

No foreign transaction fee
helps build credit

Cons

Annual fee
No welcome bonus
High APR

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/01/2023	621	Not Provided	$2,000

Capital One Platinum Credit Card

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Our Rating: 4.4

★★★★★☆

Capital One Platinum Credit Card

Welcome Offer

No annual or hidden fees.

Est. Value

None

Annual Fee

APR

29.99% Variable

Credit Req’d

Average, Fair, Limited

Rewards: None

The Capital One Platinum Credit Card is designed for those with limited or fair credit. It doesn’t charge an annual fee like many cards in the same category. And it can help cardholders improve their credit over time.

Pros

No annual fee

Cons

No welcome bonus
No rewards
High APR

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/10/2022	610	Experian	$300
Approved	04/27/2022	650	Not Provided	$3,000

Capital One SavorOne Cash Rewards for Good Credit

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Our Rating: 4.3

★★★★★☆

Capital One SavorOne Cash Rewards for Good Credit

Welcome Offer (Terms Apply)

Earn unlimited 3% cash back

Est. Value

None

Annual Fee

APR

29.99% Variable

Credit Req’d

Good

Rewards: Earn 10% cash back on Uber & Uber Eats purchases through 11/14/2024, 8% cash back on Capital One Entertainment, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on entertainment, dining, select streaming services, and grocery stores (excluding superstores). Earn 1% cash back on other purchases.

The Capital One SavorOne Cash Rewards for Good Credit offers elevated cash back on several everyday purchases and there’s no annual fee. There are also no foreign transaction fees so it’s a great card for traveling.

1% cash back

On all other eligible purchases

Earn 1% cash back on all other purchases

3% cash back

U.S. supermarkets

Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)

3% cash back

Streaming services

Earn unlimited 3% cash back on popular streaming services

3% cash back

Dining

Earn unlimited 3% cash back on dining

3% cash back

Entertainment

Earn unlimited 3% cash back on entertainment

5% cash back

Hotels

Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

5% cash back

Rental Cars

Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).

8% cash back

Entertainment

Earn 8% Cash Back on Capital One Entertainment purchases.

10% cash back

Select Categories

Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Pros

No annual fee
No foreign transaction fee
3% cash back on everyday purchases including dining and grocery stores

Cons

No welcome bonus
High APR
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/17/2024	597	Experian	$3,000
Approved	01/17/2024	608	Equifax	$3,000
Approved	01/17/2024	631	TransUnion	$3,000
Approved	03/01/2024	642	TransUnion	$500
Approved	03/01/2024	778	Experian	$500
Approved	03/01/2024	790	Equifax	$500
Approved	05/12/2023	680	Not Provided	$3,000
Approved	03/12/2024	606	Not Provided	$3,000
Approved	08/08/2023	630	Not Provided	---
Approved	07/26/2023	775	Experian	$3,000
Approved	09/08/2023	617	TransUnion	$2,000
Approved	09/08/2023	659	Experian	$2,000
Approved	09/08/2023	670	Equifax	$2,000
Approved	01/10/2023	577	TransUnion	$1,000
Approved	01/10/2023	587	Equifax	$1,000
Approved	01/10/2023	645	Experian	$1,000
Approved	12/05/2023	650	Experian	$500
Approved	09/19/2023	750	Not Provided	$1,500
Approved	05/11/2022	715	Not Provided	$10,000
Approved	05/11/2022	823	Not Provided	$10,000
Approved	08/22/2023	610	Experian	$3,000
Approved	08/22/2023	619	Equifax	$3,000
Approved	08/22/2023	697	TransUnion	$3,000
Approved	02/10/2023	660	Not Provided	$500
Approved	09/26/2023	680	Experian	$3,000
Approved	10/23/2023	740	TransUnion	$3,000
Approved	10/23/2023	750	Experian	$3,000
Approved	10/23/2023	751	Equifax	$3,000
Denied	05/06/2023	660	Not Provided	---
Denied	03/16/2023	760	Not Provided	---
Denied	06/01/2023	752	TransUnion	---
Denied	06/01/2023	789	Experian	---

Citi^® Double Cash Card

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Our Rating: 4.9

★★★★★☆

Citi^® Double Cash Card

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

APR

19.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi^® Double Cash Card is a great card whether you have average credit or even excellent credit. You get 0% intro APR on balance transfers for the first 18 months, then 19.24% - 29.24% variable APR. Plus, there’s no annual fee. You get 1% cash back with every purchase and another 1% cash back when you pay the bill. There have been approvals for credit scores of 667, so if you haven’t hit that 700 mark yet, this could be a good card to apply for.

2% cash back

All eligible purchases

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

Welcome offer
No annual fee
Up to 2% cash back

Cons

Foreign transaction fee
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/21/2024	635	TransUnion	$3,500
Approved	04/21/2024	670	Equifax	$3,500
Approved	03/12/2024	726	Equifax	$3,800
Approved	03/12/2024	731	Equifax	$3,800
Approved	03/12/2024	745	Equifax	$3,800
Approved	03/12/2024	765	Equifax	$3,800
Approved	03/12/2024	800	Experian	$3,800
Approved	03/12/2024	806	TransUnion	$3,800
Approved	02/03/2024	780	Experian	$6,900
Approved	02/03/2024	794	TransUnion	$6,900
Approved	02/03/2024	813	Equifax	$6,900
Approved	01/19/2024	840	Not Provided	$11,500
Approved	12/12/2023	800	Not Provided	$7,000
Approved	01/11/2024	730	Not Provided	---
Approved	05/22/2024	805	Experian	$6,800
Approved	11/13/2023	760	Not Provided	$3,000
Approved	11/28/2023	740	TransUnion	$9,000
Approved	11/28/2023	801	Experian	$9,000
Approved	11/28/2023	810	Equifax	$9,000
Denied	01/03/2024	800	Not Provided	---
Denied	05/10/2024	793	Not Provided	---

Capital One Quicksilver Cash Rewards for Good Credit

Capital One Quicksilver Rewards for Good credit

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Our Rating: 4.4

★★★★★☆

Capital One Quicksilver Cash Rewards for Good Credit

Welcome Offer (Terms Apply)

Earn unlimited 1.5% cash back

Est. Value

None

Annual Fee

APR

29.99% Variable

Credit Req’d

Good

Rewards: Earn unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.

The Capital One Quicksilver Cash Rewards for Good Credit offers a simple cash back structure, paying 1.5% on every purchase and there’s no annual fee. Approval-wise, there have been several approvals for credit scores around 650.

1.5% cash back

All eligible purchases

Earn unlimited 1.5% cash back on every purchase, every day

5% cash back

Travel

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Pros

No annual fee
No foreign transaction fee
1.5% cash back on all purchases

Cons

No welcome bonus
High APR

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/19/2023	657	TransUnion	$3,000
Approved	06/19/2023	672	Experian	$3,000
Approved	06/19/2023	695	Equifax	$3,000

Capital One VentureOne Rewards for Good Credit

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Our Rating: 4.0

★★★★☆

Capital One VentureOne Rewards for Good Credit

Welcome Offer

Miles won’t expire for the life of the account

Est. Value

None

Annual Fee

APR

29.99% Variable

Credit Req’d

Good

Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel and 1.25x miles on other purchases.

The Capital One VentureOne Rewards for Good Credit is a travel rewards card that offers 5x miles for travel booked through Capital One and 1.25x miles on all other purchases. And Capital One miles can be transferred to Capital One’s travel partners for potentially even more value. The best travel rewards card requires excellent credit, but this is a good place to start until you reach that milestone.

1.25x miles

All eligible purchases

1.25 Miles per dollar on every purchase, every day

5x miles

Hotels

5 Miles per dollar on hotels booked through Capital One Travel

5x miles

Rental Cars

5 Miles per dollar on rental cars booked through Capital One Travel

Pros

No annual fee
No foreign transaction fee

Cons

No welcome bonus
High APR
Requires good credit

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/26/2021	598	Experian	$1,000
Approved	02/08/2024	730	Not Provided	$2,000
Approved	12/13/2023	598	Experian	$500

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 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.

List of the Best Credit Cards with Average Credit

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One Platinum Credit Card

Capital One SavorOne Cash Rewards for Good Credit

Citi® Double Cash Card

Capital One Quicksilver Cash Rewards for Good Credit

Capital One VentureOne Rewards for Good Credit

4 Tips to Getting a Credit Card with a Score of 650 to 700

FAQs

What is a fair to average credit score?

What’s the best credit card with a score of 650 to 700?

Can I get a fair credit credit card if I’ve defaulted on a loan?

Citi^® Double Cash Card