10 Best Credit Cards for a 600 Credit Score (With Approval Odds)

ByRob Berger

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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 600 credit score or more. 

best credit cards for a 600 credit score

The goal for everyone is to have excellent credit, but sometimes we don’t have enough credit history, or past credit mistakes are holding us back. As a result, we have fair or average credit. Unfortunately, some of the most highly-rated credit cards, especially those with exceptional rewards, are only available to those with excellent credit. The good news is that there are many credit cards for those with fair credit who want to work on improving their situation.

We’ll look at the best credit cards for fair credit while helping you figure out how to improve your credit score. Let’s get started.

Best Credit Cards for a 600 Credit Score (Fair Credit)

Capital One QuicksilverOne Cash Rewards Credit Card

The card_name 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 30.74% 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.

Rewards:

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day

APR: 30.74% variable

Annual Fee: $39

Best For: Simple cash back rewards on all purchases

Approval Odds

Credit Score of Approved and Denied Applications

Read our Capital One QuicksilverOne Cash Rewards Credit Card Review

Capital One SavorOne Cash Rewards Credit Card

The card_name is a great card for those looking to build their credit score. There's a bonus, which is easily achievable for most, plus you get cash back rewards. To top it all off, you get 0% APR on purchases and balance transfers for the first 15 months, which is great if you're looking to pay off higher-interest cards. We've seen approvals with a score as low as 573.   

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
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

0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months. After that, your rate will be 19.99% - 29.99% variable, depending on your creditworthiness.

Annual Fee: $0

Welcome Bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening

Best For: Welcome bonus and ongoing rewards

Approval Odds

Credit Score of Approved and Denied Applications

Read our Capital One SavorOne Cash Rewards Credit Card Review

Capital One Platinum Credit Card

The card_name is an unsecured card with automatic credit line reviews, no annual fee, and contactless payment access.

The card does feature a variable APR of 30.74%, 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.

Rewards: None

APR: 30.74% variable

Annual Fee: $0

Best For: Easy approval

Approval Odds

Credit Score of Approved and Denied Applications

Read our Capital One Platinum Credit Card Review

Secured Chime Credit Builder Visa® Credit Card

The Secured Chime Credit Builder 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. 

Rewards: None

APR: None

Annual Fee: $0

Best For: Avoiding fees, no interest, and choosing your own credit limit

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

Open a Chime Account

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.

Chase Freedom Flex(SM) 

The Chase Freedom Flex(SM) is a cash back rewards card with great rewards and no annual fee. Those with lower credit scores might hesitate to apply for this card, but according to crowdsourced forums, it's easier to be approved for than other Chase cards. We've seen an approval with a score as low as 611.

There are some other solid benefits to this card. If your credit card has gotten away from you, you can use the card's 0% APR on purchases and balance transfers for the first 15 months if the credit limit you're approved for allows for that.

You'll also earn cash back rewards: 5% on a rotating bonus category, 5% on travel purchases through Chase Ultimate Rewards, 3% on dining, 3% on drugstore purchases and 1% on everything else.

0% Intro APR: 0% on purchases for 15 months; 0% on balance transfers for 15 months. After that, your rate will be 20.49%–29.24% variable, depending on creditworthiness

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Ultimate Rewards

Annual Fee: $0

Best For: Beginners who need a jump start on their credit journey

Approval Odds

Credit Score of Approved and Denied Applications

Read our Chase Freedom Flex(SM) Review

Petal® 1 "No Annual Fee" Visa® Credit Card

The Petal® 1 "No Annual Fee" Visa® Credit 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.

Rewards:

2% cash back
Select Categories
2% - 10% cash back at select merchants
10% cash back
Select Categories
2% - 10% cash back at select merchants

APR: 25.24% - 34.74% variable

Annual Fee: $0

Best For: Building credit and keeping an eye on your credit score

Approval Odds

Credit Score of Approved and Denied Applications

Read our Petal® 1 "No Annual Fee" Visa® Credit Card Review

Upgrade Cash Rewards Visa®

The Upgrade Cash Rewards Visa® is more like a line of credit than a true credit card. You can get a credit line somewhere between $500 and $25,000. Upgrade extends terms of either 24, 36, or 60 months. Say you buy a new sofa for $1,000. Upgrade can break up your payments over the term of your loan plus interest. You might pay $55 a month for the sofa over 24 months. Interest starts accruing as soon as you purchase something. Once you pay off your purchases, you get 1.5% cash back. See Rates & Fees information here.

Rewards:  

1.5% cash back
All eligible purchases
Get 1.5% cash back on purchases when you pay your bill

APR: 14.99% to 29.99% variable

Annual Fee: $0

Best For: Budgeting for equal payments

Approval Odds

Credit Score of Approved and Denied Applications

Read our Upgrade Cash Rewards Visa® Review

Get the Upgrade Card

Mission Lane Visa® Credit Card 

The card_name is an option for people with fair credit. There is no security deposit required, but there may be an annual fee. You'll want to carefully read the rates and fees here. If you are charged interest, the charge will be no less than $0.50. You can apply with no impact on your credit score, but if you accept their offer, Mission Lane will do a hard pull.

Rewards: None

APR: 26.99% - 29.99% Variable. (If you are charged interest, the charge will be no less than $0.50)

Annual Fee: $0-59

Best For: Short-term use until you can build your score to get a better credit card.

Approval Odds

Credit Score of Approved and Denied Applications

Aspire® Cash Back Reward Card 

With the Aspire® Cash Back Reward Card you can earn up to 3% cash back on gas, groceries, and utility payments. However, not only does the card charge an annual fee, it's one of the only cards we've seen that charges a monthly maintenance fee (between $5 and $12.50 a month). Also, the APR is high. This is a very expensive card, so consider it carefully before you respond to their offer (you need an invitation to apply). You may be better off with a secured credit card.

Rewards:  

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
U.S. supermarkets
Earn a 3% cash back reward on grocery
3% cash back
Select Categories
Earn a 3% cash back reward on eligible utility bill payments
3% cash back
Gas
Earn a 3% cash back reward on eligible gas

APR: 29.99% or 36% Fixed

Annual Fee: As low as $85

Best For: Those with fair credit that want an unsecured card with cash back rewards.

Approval Odds

Credit Score of Approved and Denied Applications

Fortiva® Mastercard® Credit Card 

Fortiva® Mastercard® Credit Card doesn't require a security deposit, so it may be an option for those with fair credit. It also reports to all three major credit bureaus. However, the fees are high. There's an annual fee, plus maintenance fees on top of that (billed at between $5 and $12.50 every month). A secured card requires a deposit, but if you have a good payment history, you'll get that back and may qualify for a better card, making it a better option for most.

Rewards: None

APR:  29.99% or 36% Fixed

Annual Fee: As low as $85

Best For: Those with fair credit who want an unsecured card that reports to the three major credit bureaus.

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 traditional credit cards and secured cards. We then focused on each card's interest rates, rewards, and fees.

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. You want to ensure that you can apply to see if you pre-qualify without hurting your credit score because the last thing you need when you have a fair credit score is anything else bringing it down. Many cards on our list allow you to prequalify without hurting your FICO score.

Fees: If your credit score has taken a hit due to financial mistakes, you’ll want to take things back to basics. This will include saving money anywhere you can, starting with the annual fee. 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 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.

What Is Considered Fair Credit?

Since we’re on the topic of the best credit cards for fair credit, you may be wondering what even counts as a fair credit score, which is definitely a fair question (pun intended). According to Experian, a fair score is a FICO score of around 580 to 669. To fall into this category, you’ll need to have some credit history, at least some of which is good.

You might have a fair score if you make payments on time but have a high debt-to-credit ratio, for instance. Or you might go from a good to a fair score if you go more than 30 days late on a payment to a creditor. Some people are also in that category if they’ve managed their credit well but only have a short credit history.

Not sure what your credit score is? It’s a good idea to check before you apply for a credit card. Knowing your score can help you apply for cards you’re more likely to be approved for. And that keeps you from applying for too many credit cards, which can cause your score to dip more.

Plus, you might qualify for credit cards with better rewards systems if you have a good credit score in the high 600s or low 700s.

What You Need To Know About the Best Secured Credit Cards for Fair Credit

While we mostly list unsecured credit cards for fair credit, we have to address the importance of secured credit cards when building up your credit. Not everyone who applies for the best credit cards for fair credit will get approved.

A secured credit card is a good way to build your credit if you don’t have much of a credit history or if you’re looking to fix your credit after some previous mistakes. With secured credit, you make a financial deposit with the credit card company. The credit card company then holds this amount and uses the money if you miss a payment. If you make your payments on time, your deposited amount stays in your account.

The best secured credit cards will eventually convert to regular credit cards, which give you a higher limit, better credit card rewards, and more flexibility. You’ll want to look at a few different credit card options in this category.

Overall, applying for a credit card with fair credit means you should do your research. It’s best to only apply for a card if you are fairly sure you qualify. There’s always a chance that you’ll get turned down, and it’s important that you don’t get discouraged during the process.

Related: The Best Secured Credit Cards

How Do You Improve Your Fair Credit Score?

If you’re looking to improve your fair credit score, here are the tips that we recommend:

  • Make your payments on time – The goal is to make your payments on time so that you can build up your credit history, which would prove to lenders that your creditworthiness has improved.
  • Focus on the basics of personal finance – When it comes to money management, you must use this new credit card as a tool. Your goal is to build your credit history by making your payments on time. You want to ensure that you’re budgeting and improving your finances so that you don’t have to worry about having poor credit ever again by being in a situation where you accumulate debt that you can’t pay off promptly.
  • Prepare yourself for the next step – Once you start using your new credit card to build up your fair credit, you’ll notice that your situation is improving. You want to ensure you’re ready for the next step and can handle a higher credit limit.

Frequently Asked Questions (FAQ)

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

While there are several good options, the card_name 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?

The card_name 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, Chase Freedom Flex(SM) is an excellent option if you don't mind activating rotating categories. The card pays up to 5% cash back, charges no annual fee, and offers a signup bonus. Capital One SavorOne Cash Rewards Credit Card is another option if you don't want to fuss with rotating categories. There's no annual fee, you can earn elevated rewards on everyday purchases, and there's a 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 card_name 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.

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.