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June 6, 2019

600 - 650 Credit Score Credit Cards

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.

A credit score of 600 - 650 is considered Average. You still have good options, though they're more limited. Here are the best credit cards for fair and average credit.

What Is a Credit Score of 600 - 650?

A credit score between 600 and 650 is considered a solid Average score. A score in this range may mean:

  • Shorter credit history of 1 year.
  • A late payment or two.
  • Sometimes carrying a balance.

In this credit range, you won't qualify for premium cards. But there are still reward cards options for you. What you can qualify for will depend on your credit history.

Your score may be in this range because you have a short credit history. But if you have positive factors, such as overall low debt, good income, and on-time payments, you may be approved for better cards.

On the other hand, if your score dropped to this range because you've had late payments, your options may be more limited to secured or store cards.

Here are our top recommended cards for those with fair/average credit.

Cash Back

Capital One QuicksilverOne
If your credit score is closer to 650, Capital One QuicksilverOne is a cash rewards card for those with average credit. You earn a flat-rate cash back on every purchase, but there is an annual fee.

It's difficult to find reward cards for lower credit scores, so this is a great option. As long as you spend at least $217/month on the credit card, your rewards will outweigh the annual fee.

Capital One QuicksilverOne earns 1.5% cash back on all purchases. After making your first 5 monthly payments on time, you can be eligible to receive a higher credit line. There is a $39 annual fee.

No Annual Fee

Capital One Platinum
The Capital One Platinum is a good starter credit card. It's a basic credit card with no bells or whistles. It has no rewards and no intro APR, but also no annual fee.

This card allows those with shorter credit histories or lower scores to get an unsecured credit card. You can use it to build credit and later upgrade to a rewards card.

Capital One Platinum offers a no annual fee credit card to people with fair credit. You get access to a higher credit limit after you make your first 5 monthly payments on time.

Rebuild Credit

Credit One Platinum Visa
Credit One Platinum Visa gives you a second chance if you've had credit issues. It has lower approval requirements. The credit limit starts at $300 and can go up to $3,000.

It offers cash back rewards. Based on your creditworthiness, you'll qualify for one of the 6 reward programs. An example is 1% cash back on gas, groceries, and telecom services.

However, there is an annual fee of $0 - $99, depending on your credit. If you have bad marks, you could be paying a lot just to use a credit card. But you'll get access to a line of credit without having to go the secured card route.

Store Card: Walmart Mastercard

If your score is closer to 600, you may qualify for a store card because they tend to have much lower credit requirements.

The Walmart Mastercard will still let you use your credit card anywhere Mastercard is accepted.

Poorer Credit: Discover It Secured

For those with derogatory marks on their credit report, your best bet is probably a secured credit card.

Secured credit cards don't require a credit history for approval. Instead, they require a security deposit, which will usually become your credit limit. You can then make purchases and pay off the bills as normal. As you make payments, it reports to the 3 credit bureaus to help you build your credit.

After 6 months to 1 year of on-time payments, you can upgrade to an unsecured card. You'll get your deposit back if your account is in good standing.

Discover it Secured Card reports to the 3 major credit bureaus to help you build or rebuild credit with responsible use. This secured credit card's variable APR is 22.99%. The minimum refundable security deposit is $200 (up to the amount Discover approves) and your credit line equals your deposit. Starting at 8 months, Discover will perform automatic monthly reviews based on your responsible credit management across all your credit cards and loans to see if you could qualify to transition to an unsecured line of credit. You will see your FICO credit score for free on your monthly statement and in your online account. There is no annual fee.

But here's where it gets interesting. Discover it® Secured credit card offers rewards: 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter); 1% cash back on other purchases. As a promotion for new cardmembers, Discover will match all the cash back you've earned at the end of your first year.

Small Business

Capital One Spark Classic
There aren't a lot of options for small business owners with average personal credit. Capital One Spark Classic for Business is specifically for average credit and offers cash back rewards.

Capital One Spark Classic offers 1% cash back on every purchase. This card is for business owners with average credit. There is no annual fee.

Bottom Line

Your options are more limited in the 600 - 650 score range. What you can qualify for will largely depend on whether you have derogatory remarks on your credit report. You may qualify for better cards if you have other positive factors, such as high income or no missed payments.

This credit score range has a lot of room for improvement. Keep making payments on time and reducing your credit card debt. Soon, you'll be able to upgrade to a better rewards card.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Capital One® Spark® Classic for Business, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Platinum Credit Card, and Discover it® Secured has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:

How to Pay Off Credit Cards

How to Pay Off Credit Cards

Average Credit Card Debt

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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