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 600 credit score or more.

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

Best For: Simple cash back rewards on all purchases

Capital One QuicksilverOne

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 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 29.99%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.

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 StatusDateCredit ScoreBureauCredit Limit
Approved06/01/2023
621
Not Provided
$2,000

Capital One Quicksilver Secured Cash Rewards Credit Card

Our Rating: 3.8

★★★

Capital One Quicksilver Secured Cash Rewards Credit Card

Welcome Offer

No annual or hidden fees,

Est. Value

None

Annual Fee

$0

APR

29.99% Variable

Credit Req’d

Limited, Bad

Rewards: Earn 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on other purchases.

The Capital One Quicksilver Secured Cash Rewards Credit Card is a great card to help you build your credit score. It’s one of the few secured cards that allows you to earn elevated cash back on every purchase. You’ll need a $200 security deposit but you can also earn it back with responsible use. Your credit limit is the same as your deposit. We also like that you can monitor your credit score with free access to CreditWise.

1.5% cash back
All eligible purchases
Earn 1.5% cash back on every purchase with a refundable $200 minimum deposit.
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
Earn 5% cash back on rental cars booked through Capital One Travel

Pros

  • No annual fee
  • Up to 5% cash back

Cons

  • No welcome bonus
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved01/13/2022
640
TransUnion
$200

Capital One SavorOne Cash Rewards for Good Credit

Best For: Earning cash back rewards

Capital One SavorOne Cash Rewards for Good Credit

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

$0

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 StatusDateCredit ScoreBureauCredit Limit
Approved01/17/2024
597
Experian
$3,000
Approved01/17/2024
608
Equifax
$3,000
Approved01/17/2024
631
TransUnion
$3,000
Approved03/01/2024
642
TransUnion
$500
Approved03/01/2024
778
Experian
$500
Approved03/01/2024
790
Equifax
$500
Approved05/12/2023
680
Not Provided
$3,000
Approved03/12/2024
606
Not Provided
$3,000
Approved08/08/2023
630
Not Provided
---
Approved07/26/2023
775
Experian
$3,000
Approved09/08/2023
617
TransUnion
$2,000
Approved09/08/2023
659
Experian
$2,000
Approved09/08/2023
670
Equifax
$2,000
Approved01/10/2023
577
TransUnion
$1,000
Approved01/10/2023
587
Equifax
$1,000
Approved01/10/2023
645
Experian
$1,000
Approved12/05/2023
650
Experian
$500
Approved09/19/2023
750
Not Provided
$1,500
Approved05/11/2022
715
Not Provided
$10,000
Approved05/11/2022
823
Not Provided
$10,000
Approved08/22/2023
610
Experian
$3,000
Approved08/22/2023
619
Equifax
$3,000
Approved08/22/2023
697
TransUnion
$3,000
Approved02/10/2023
660
Not Provided
$500
Approved09/26/2023
680
Experian
$3,000
Approved10/23/2023
740
TransUnion
$3,000
Approved10/23/2023
750
Experian
$3,000
Approved10/23/2023
751
Equifax
$3,000
Denied05/06/2023
660
Not Provided
---
Denied03/16/2023
760
Not Provided
---
Denied06/01/2023
752
TransUnion
---
Denied06/01/2023
789
Experian
---

Capital One Platinum Credit Card

Best For: Easy approval

Capital One Platinum Credit Card

Our Rating: 4.4

★★★★

Capital One Platinum Credit Card

Welcome Offer

No annual or hidden fees.

Est. Value

None

Annual Fee

$0

APR

29.99% Variable

Credit Req’d

Average, Fair, Limited

Rewards: None

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 29.99%, 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.

Pros

  • No annual fee

Cons

  • No welcome bonus
  • No rewards
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved03/10/2022
610
Experian
$300
Approved04/27/2022
650
Not Provided
$3,000

Secured Chime Credit Builder Visa® Credit Card

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

Our Rating: 4.5

★★★★

Secured Chime Credit Builder Visa® Credit Card

Welcome Offer

None

Est. Value

None

Annual Fee

$0

APR

0% Variable

Credit Req’d

No Credit, Limited, Bad < 580

Rewards: None

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. 

Pros

  • No annual fee
  • No foreign transaction fee
  • No interest
  • No credit check required to apply
  • Reports to all three major credit bureaus

Cons

  • No welcome bonus
  • No rewards
App StatusDateCredit ScoreBureauCredit Limit
Approved03/28/2021
508
Not Provided
---

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.

1To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® 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 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.

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

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

Petal 1 Credit Card

Our Rating: 4.5

★★★★

Petal® 1 “No Annual Fee” Visa® Credit Card

Welcome Offer

Earn a credit limit increase in as little as 6 months.

Est. Value

None

Annual Fee

$0

APR

25.24% – 34.74% Variable

Credit Req’d

Limited, Fair 580 – 669

Rewards: 2% – 10% cash back at select merchants

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.

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

Pros

  • No annual fee
  • Can help build credit

Cons

  • No welcome bonus
  • No rewards
App StatusDateCredit ScoreBureauCredit Limit
Approved12/05/2023
610
Experian
$3,500
Approved03/17/2023
656
Experian
$1,000

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 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?

The Capital One QuicksilverOne Cash Rewards Credit Card 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® 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 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.