Credit Cards

Credit Cards For A 660 Credit Score

Credit Cards For A 660 Credit Score

Congratulations on your journey towards financial freedom! Are you looking for the best credit cards available for a 660 credit score? We've got you covered. At Flik Eco, we understand that proper money management is crucial for a strong and stable financial foundation. And what better way to start than by looking at what credit card options are available for your credit score? In this article, we'll explore what credit cards you can qualify for with a 660 credit score, their features and benefits, and some realistic examples to help you make an informed decision. So let's dive in!

What does a 660 credit score mean?

A 660 credit score is generally considered to be in the fair to good credit range. While it may not be perfect, it still opens up a variety of credit card options for you to choose from. Credit card issuers take into account several factors to determine your eligibility, and your credit score is a significant one.

Why it matters

  • Higher chances of approval: With a 660 credit score, you're more likely to get approved for credit cards than those with a lower score.
  • Better interest rates: A higher score may qualify you for lower interest rates on your credit card, which can save you money in the long run.
  • More options: A fair to good credit score gives you access to more credit card choices, letting you select the one that best suits your needs.

Best credit cards for a 660 credit score

While you may not have access to premium credit cards, you can still find several great options with a 660 credit score. Here are some of the best credit cards to consider:

1. Capital One QuicksilverOne Cash Rewards Credit Card

This card is designed for those with fair credit and offers a flat 1.5% cashback on all purchases. It comes with a $39 annual fee, but the rewards can easily offset this cost if you regularly use the card. Plus, you can have access to a higher credit line after making your first five monthly payments on time.

2. Discover it Secured

A secured credit card like Discover it Secured can be a great option if you want to build or rebuild your credit. This card requires a security deposit, which acts as your credit limit. It offers 2% cashback on purchases at gas stations and restaurants (up to $1,000 in combined purchases per quarter) and 1% cashback on all other purchases. The best part? Discover matches your cashback earnings at the end of your first year, and there's no annual fee.

3. Credit One Bank Platinum Visa for Rebuilding Credit

This unsecured credit card is geared towards those with fair to good credit. It offers 1% cashback on eligible purchases like gas, groceries, and even mobile phone, internet, and cable services. The annual fee ranges from $0 to $99 based on your creditworthiness, but it’s worth considering as a stepping stone to better credit.

Credit Cards For A 660 Credit Score Example

Imagine you're a student who just graduated and has a 660 credit score. You want a credit card to cover your expenses and make it easier to manage your finances. After considering your options, you decide to apply for the Capital One QuicksilverOne Cash Rewards Credit Card.

With its flat 1.5% cashback rate, you can earn rewards on all your purchases, including groceries, gas, and online shopping. After a few months of responsible credit card use and on-time payments, your credit score may even improve, opening up better credit card offers and interest rates for financial success.

Credit Cards For A 660 Credit Score Frequently Asked Questions

What does a 660 credit score represent?

A 660 credit score is typically considered "fair" or "near-prime" in the credit spectrum. It suggests that while a borrower may have had some financial missteps in the past, they are not high risk.

Are there credit cards specifically tailored for a 660 credit score?

Yes, several credit card issuers offer products designed for individuals with fair credit scores, including those with a score around 660.

Why is it essential to find a card suited for my credit score?

Selecting a card that matches your credit score increases the likelihood of approval and ensures that you get terms and benefits suitable for your financial situation.

Can I qualify for major credit cards with a 660 score?

While premium cards with extensive rewards may be out of reach, many major issuers have cards tailored to fair credit scores that still offer valuable perks.

Are interest rates higher for this credit range?

Credit cards for fair scores might come with slightly higher interest rates than those for excellent scores. It's always essential to compare and find the most competitive rates for your score.

Can a credit card help improve my 660 score?

Absolutely. Responsible use, such as paying the full balance on time and keeping the credit utilization low, can boost your credit score over time.

What should I avoid when looking for a credit card with a 660 score?

Beware of cards with high annual fees, high-interest rates, or limited benefits. Always read the terms and conditions thoroughly.

Are there secured credit cards for a 660 credit score?

Yes, secured credit cards can be an option for those with a 660 score. These cards require a security deposit, which typically sets the credit limit but can help in building or rebuilding credit.

What credit limit can I expect with a 660 score?

Credit limits vary based on several factors, including income and existing debts. However, cards designed for fair credit might start with lower limits, which can increase over time with responsible use.

Are there rewards cards available for this score range?

Certainly. Some credit cards for fair credit scores offer cashback or rewards, albeit they may not be as generous as those for higher scores.

Can I apply for multiple cards to increase my chances?

While you can apply for multiple cards, each application results in a hard inquiry on your credit report, which can temporarily lower your score. It's best to research and apply for cards you're confident about.

How can I avoid getting declined for a card?

Before applying, use online tools or pre-qualification features that check your eligibility without impacting your credit score.

Will I be able to upgrade my card as my score improves?

Many issuers allow cardholders to upgrade to a card with better terms or rewards once their credit score improves and they've demonstrated responsible card usage.

Are there cards with no annual fee for a 660 score?

Yes, many cards designed for fair credit scores come with no annual fee. Always compare cards to find the best fit for your needs.

How often should I monitor my credit score after getting a card?

Regularly checking your credit score, at least quarterly, is recommended. Many credit cards offer free monthly credit score tracking as a perk.

What happens if I miss a payment on my card?

Missing a payment can result in late fees, higher interest rates, and a negative impact on your credit score. Always strive to pay at least the minimum amount on time.

Can I get a balance transfer card with a 660 score?

While most balance transfer cards target those with good to excellent credit, there are some available for fair credit scores. These can help consolidate and pay off debt at a lower interest rate.

How long does it take to see an improvement in my score with responsible card use?

Credit improvement varies per individual. However, with consistent, responsible credit card use, many individuals see improvements within 6-12 months.

Are there foreign transaction fees with credit cards for a 660 score?

It depends on the card. Some might charge foreign transaction fees, while others don't. If you travel or shop internationally, look for cards without these fees.

What other factors do issuers consider besides my score?

Credit card issuers also look at income, employment status, monthly expenses, and other debts when evaluating applications.

Navigating the world of credit with a fair score can seem daunting, but with research and responsible use, the right credit card can be a tool to enhance financial health and opportunities.

Now that you know the best credit cards for a 660 credit score, it's time to choose the one that fits your needs and financial goals. Remember, responsible credit card usage is key to increasing your credit score and gaining access to even better offers down the road. At Flik Eco, we're dedicated to helping you find success on your financial journey. If you found this guide helpful, be sure to share it with your friends and explore the plethora of other resources we have available on everything from investing to saving for retirement. Your financial future is in your hands – let's make the most of it!


About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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