Are you looking for the best credit cards for a credit score range of 600-650? You've come to the right place! In this Flik Eco guide, we'll explore the top credit cards designed for individuals with fair or average credit. After all, having a lower credit score doesn't mean you can't access valuable financial tools and resources. Let's dive in and find the perfect credit card to help you build or repair your credit.
Best Credit Cards For 600 Table of Contents
Understanding the 600-650 Credit Score Range
Before we dive into the best credit cards for a 600-650 credit score, it's important to understand what this credit range means. With a score in this range, you are considered to have "fair" or "average" credit. This means you may have experienced some past credit issues or have a limited credit history.
While you may not qualify for premium rewards credit cards with high credit limits, there are still credit card options available for you. These credit cards can help you build or repair your credit and access valuable perks like cashback rewards and flexible payment options.
Best Credit Cards for 600-650 Credit Score
1. Capital One QuicksilverOne Cash Rewards Credit Card
- Unlimited 1.5% cashback on all purchases
- No foreign transaction fees
- $39 annual fee
The Capital One QuicksilverOne Cash Rewards Credit Card is a top choice for individuals with fair credit who want to earn cashback rewards. With its straightforward rewards system, you'll earn 1.5% cashback on all of your purchases without worrying about rotating categories or spending limits.
2. Credit One Bank Platinum Visa
- 1% cashback on eligible purchases
- Regular credit line increases
- Annual fee varies based on creditworthiness ($39 - $99)
The Credit One Bank Platinum Visa is an excellent option if you're looking to build or repair your credit. With opportunities for regular credit line increases and cashback rewards on eligible purchases, this card can help boost your credit score over time while rewarding you for sensible spending.
3. Discover it Secured Credit Card
- 2% cashback at gas stations and restaurants (up to $1,000 in combined purchases each quarter)
- 1% cashback on all other purchases
- No annual fee and refundable security deposit
As a secured credit card, the Discover it Secured Credit Card requires a security deposit that acts as your credit limit. But don't let that deter you! This card is geared towards those looking to build or repair their credit and offers cashback rewards that compete with many unsecured cards.
Best Credit Cards For 600 Example:
Let's say you decide on the Capital One QuicksilverOne Cash Rewards Credit Card. With a $39 annual fee, you might be skeptical if it's worth it. However, if you spend $2,600 per year on the card (that's just over $216 per month), you'll earn $39 in cashback rewards, effectively negating the annual fee.
If you continue to spend responsibly and make on-time payments, your credit score will likely improve over time, granting you access to better credit cards with even more perks in the future.
So, there you have it! These are some of the best credit cards available for individuals with a 600-650 credit score. By choosing one of these credit cards and practicing responsible financial habits, you can work towards improving your credit score and gaining access to better financial products in the future.
If you found this Flik Eco guide helpful, don't forget to share it with your friends and browse our other articles on personal finance tips and resources tailored for your needs. Together, let's take charge of our financial futures.
