Best Credit Cards For A 600 Credit Score

Are you struggling with a 600 credit score and wondering how to find the best credit card to suit your needs? You're not alone. Many millennials face the challenge of improving their credit scores and finding credit cards that are designed for people in their situation. In this article, we'll explore the best credit cards for a 600 credit score, and how you can use them to your advantage to improve your financial future.

Why is 600 considered a "fair" credit score?

A credit score of 600 is typically classified as "fair" by most credit bureaus, meaning it falls below the average credit score of around 670. This can make it more challenging to access credit cards with low interest rates and attractive rewards programs. However, there are still options available for people with fair credit scores.

What types of credit cards are available for a 600 credit score?

While the options may be limited, there are credit cards specifically designed for people with fair credit scores. These cards typically focus on helping cardholders improve their credit scores over time through responsible use. The following types of credit cards may be available for people with a 600 credit score:

• Secured credit cards: These cards require a cash deposit as collateral, which is typically equal to your credit limit. Secured credit cards are designed to help people build their credit scores by demonstrating responsible borrowing habits.
• Student credit cards: These cards are targeted at college students, who often have limited credit histories. They may offer rewards and incentives for good grades and responsible credit usage.
• Retail credit cards: Store-branded credit cards usually have lower credit score requirements compared to traditional credit cards. These cards often come with high interest rates and rewards that can only be used at the associated store.

Best credit cards for a 600 credit score

• Discover it® Secured: This secured credit card offers a competitive cashback rewards program and allows you to earn 2% cashback on gas stations and restaurants on up to $1,000 in combined purchases each quarter. Additionally, Discover automatically reviews your account after eight months to see if you qualify for an unsecured credit card.
• Capital One Platinum Secured: This card comes with no annual fee and allows you to select your own monthly payment due date. Additionally, it offers an automatic credit limit increase after making six consecutive on-time payments.
• Deserve® EDU Mastercard for Students: This student credit card offers 1% cashback on all purchases and a statement credit for Amazon Prime Student after spending $500 within the first three billing cycles. Plus, it doesn't require a co-signer or security deposit, making it a good option for students without a credit history.
• Target REDcard: This retail card offers a 5% discount on all purchases at Target and Target.com, as well as free shipping on most online orders. It also has no annual fee and provides a longer interest-free grace period compared to other retail cards, making it a valuable option for regular Target shoppers.

Best Credit Cards For A 600 Credit Score Example:

Imagine you're a college student with a 600 credit score, working to improve your financial standing and credit history. You apply for the Deserve® EDU Mastercard for Students and get approved. Over the course of a year, you consistently make on-time payments and utilize the cashback rewards, earning back a portion of your spending while also improving your credit score. By the time you graduate, your credit score has improved significantly, and you're now able to qualify for more competitive credit cards with lower interest rates and better rewards programs.

Improving your credit score can feel like a daunting task, but the right credit card can make a major difference in your financial journey. By choosing a credit card designed for people with a 600 credit score, you can not only access credit to cover necessary expenses but also improve your credit score over time. If you found this article helpful, be sure to check out the other guides on Flik Eco for more tips on personal finance, investing, and more. And don't forget to share this article with your friends who may also be looking for the perfect credit card for their fair credit score!