Are you trying to improve your credit while still looking for a great credit card with a credit score of 660? Look no further! This article will reveal the best credit cards tailored to your needs and unveil insights on how you can maximize their benefits. Get ready to embark on a journey towards building a better credit score and financial future!
Credit Cards For 660 Credit Score Table of Contents
Why 660 Credit Score Matters
Standing at the cusp between fair and good credit, a 660 credit score has its own unique set of challenges. Lenders may view it as just okay, but you still stand a chance to get approved for some appealing credit cards. Understanding your options is crucial to make the most of your credit score while working towards improvement.
Top 3 Credit Cards for a 660 Credit Score
1. Capital One QuicksilverOne Cash Rewards
- 1.5% cashback on every purchase, every day
- No foreign transaction fee
- $39 annual fee
- Regular APR: variable 22.99%
- Perfect for: Those looking for a simple rewards structure with no category restrictions
2. Discover it Secured
- 2% cash back on gas stations and restaurants (up to $1,000 in combined purchases each quarter)
- 1% cash back on all other purchases
- No annual fee
- Regular APR: variable 22.99%
- A refundable security deposit is needed
- Perfect for: Those seeking to build credit while earning rewards
3. Petal 2 Visa Credit Card
- 1%-1.5% cash back on eligible purchases
- No annual fee
- Regular APR: variable 12.99%-26.99%
- No need for a credit score to apply
- Perfect for: Those new to credit or looking for a fresh start
Tips for Maximizing Credit Card Benefits
- Pay your bills on time: Set reminders or automatic payments as your payment history is the most significant factor in determining your credit score.
- Keep your credit utilization low: Try to use less than 30% of your available credit limit to demonstrate responsible spending habits.
- Monitor your credit report regularly: Ensure your information is accurate and stay updated on your progress.
- Review rewards programs: Choose cards that provide rewards you will actually use, such as cash back, points, or miles.
- Limit hard inquiries: Be strategic when applying for new credit, as each application will slightly decrease your credit score.
Credit Cards For 660 Credit Score Example:
Imagine you frequently dine out and drive to work every day. You have a credit score of 660 and fancy a card that offers cashback on those activities. The Discover it Secured card suits your needs perfectly!
With the Discover it Secured card, you'll earn 2% cash back on gas stations and restaurants for a total of $1,000 in purchases each quarter. Also, you'll be rewarded 1% cash back on everything else. With no annual fee and the potential to convert to an unsecured card in due time, it's a fantastic choice to get you started on your credit-building journey.
There you have it – the essential guide to the best credit cards for a 660 credit score. By selecting the right card for your spending habits and making responsible financial decisions, you'll be well on your way to upping your credit game.
Don't forget to share the wealth of knowledge found in this article with friends and family looking for the perfect card for their 660 credit score. For more personal finance wisdom, make sure to explore other insightful articles right here on Flik Eco! Together, let's conquer the world of personal finance and reach our financial goals.
