If you have anything in collections or charge offs - pay them off immediately. You can settle charge offs. I had a 550 credit score and paid everything off that was negative on my credit and In 2 years went to a 700 credit score. Don’t apply for any cards right now. Keep the cards you do have an continue to make payments on time. Keep your usage below 30%. Make sure you are paying everything on time whether it be mortgage, car, credit cards. Be patient with your credit. It takes time to build. Answer from TakeAss_KickNamess on reddit.com
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › fair-credit.html
Credit Cards for Fair Credit - Mastercard
Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you ... A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. ... A guaranteed $700 credit limit to help get your financial goals on track, if approved.
WalletHub
wallethub.com › popular credit card questions
Best Credit Cards for a 650 Credit Score 2026
November 12, 2025 - I’d focus on starter cards like the Discover It Secured (even the unsecured version if you pre-qualify) or the Capital One Platinum. Both are great for building credit, and Capital One is known for being friendly to mid-range scores.
Recommend a CC for me: Building from 650 to 700 - myFICO® Forums - 1466938
Hi all. Right now, I've only got 2 CCs: a $500 Discover More that I've had since 2001, and a $3000 Wells Fargo Cash Back Visa that I opened in December. For the sake of building a strong FICO score over time, I'm looking to open 1-2 more CCs in the next few months, so that I can start ... More on ficoforums.myfico.com
Which card has decent limit for score 630-650 (aim to increase FICO score)?
If you have anything in collections or charge offs - pay them off immediately. You can settle charge offs. I had a 550 credit score and paid everything off that was negative on my credit and In 2 years went to a 700 credit score. Don’t apply for any cards right now. Keep the cards you do have an continue to make payments on time. Keep your usage below 30%. Make sure you are paying everything on time whether it be mortgage, car, credit cards. Be patient with your credit. It takes time to build. More on reddit.com
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August 19, 2021Credit cards for 650-700 range?
Avoid depending on Credit Karma as they utilize the Vantage Score, whereas most agencies rely on the FICO 8 score.
I recommend capital one because it's the simplest card with benefits, also a decent sign up bonus if you use someone's referral. I can give you mine if you need one.
More on reddit.com 3
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July 19, 2022Best Credit Card for Groceries w/ 650 Credit Score
I would see if you're pre-qualified for the Capital One saver one. 3x on dining and groceries More on reddit.com
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January 4, 2022Can I get a credit card with a 600 credit score?
Yes, there are cards available to applicants with a 600 credit score. While you may not get approved for a top-tier card right away, you can use the card you do get to build your credit score. In time, you may be able to access a higher credit limit or upgrade to a better card.
bankrate.com
bankrate.com › credit cards › bad credit
Best cards for a 600 credit score
What’s the difference between cards for good credit and cards for fair credit?
Cards for good credit tend to have more benefits like rewards, intro APR offers, welcome bonuses and other perks. On the other hand, cards for fair credit may require a security deposit or offer fewer rewards and perks. Both types of cards can still affect your credit score for better or worse, depending on how you use them.
bankrate.com
bankrate.com › credit cards › bad credit
Best cards for a 600 credit score
What is considered fair credit?
FICO Scores range from 300 to 850, but a fair credit score runs between 580 and 669. VantageScore, another credit-scoring model, offers scores in the same range, but fair credit — or “near prime” — is considered between 601 and 660.
bankrate.com
bankrate.com › credit cards › bad credit
Best cards for a 600 credit score
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Reddit
reddit.com › r/creditcards › which card has decent limit for score 630-650 (aim to increase fico score)?
r/CreditCards on Reddit: Which card has decent limit for score 630-650 (aim to increase FICO score)?
August 19, 2021 -
Hi, I would appreciate any help!
I'm a single woman in my mid 30's, I feel very behind as it pertains to finances. I have been independent and supporting myself since 16 with no outside guidance, so I really did not get a great start to the world of credit. I had some debt, mostly medical bills but some credit, some of it paid and some of it aged off of my credit reports unpaid (years ago). Now after a lot of self- education, I am rebuilding my credit but have found that despite my best efforts, I am really not making much progress when it comes to increasing my credit score. I continue to get offers for low limit, high interest cards only, and a lot of those scammy personal loans with crazy interest rates.
Ultimately I am really wanting to level up, get a card with a decent limit, maintain a low utilization and increase my FICO score and my access to better financial opportunities. Any advice would be much appreciated!
CREDIT PROFILE
Current credit cards: Discover IT, Limit $1500 (balance $550, will be paid by end of month), opened 01/2019 | Credit One Platinum, Limit $600 (balance $0), opened 06/2019, | Credit One Platinum, Limit $800 (balance $0), opened 06/2020 (all personal cards, no business cards)
FICO Scores: Currently- From Discover Credit Scoreboard: FICO 8 Transunion 637 | From Wells Fargo: FICO 9 Experian: 633. My score has fluctuated from 660-630 for last few months. Prior to that, steady in the very low 600's
Oldest credit card account age with you as primary name on the account: 2.5 years (Discover IT)
Have not applied for any personal credit cards in the last 12 months (due to research on credit score requirements for the cards I wanted, most said they required 650-750) I have applied for balance increases on current cards in the last 3 months and have been denied
Annual income $ 54,000
Student Loans $62,000 (no payments made currently as I am in grad school)
CATEGORIES
OK with category-specific cards?: Yes
OK with rotating category cards?: Yes
I really don't care about category specifics, I will add this info if needed but as it pertains to my current goals I am not particular about category rewards.
Places I spend $ on monthly: Verizon, Costco, Amazon
MEMBERSHIPS
Current memberships: Amazon Prime, Costco
Current member of Wells Fargo "everyday checking"
No military affiliation, no businesses
I am in graduate school
Top answer 1 of 6
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If you have anything in collections or charge offs - pay them off immediately. You can settle charge offs. I had a 550 credit score and paid everything off that was negative on my credit and In 2 years went to a 700 credit score. Don’t apply for any cards right now. Keep the cards you do have an continue to make payments on time. Keep your usage below 30%. Make sure you are paying everything on time whether it be mortgage, car, credit cards. Be patient with your credit. It takes time to build.
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Do you know what's holding your scores down so low? Are there still unresolved baddies reporting? Your current credit cards and balances look OK. Something is depressing your scores significantly.
Credit Karma
creditkarma.com › credit-cards › fair-credit
Best Credit Cards for Fair/Average Credit August 2025
Compare top offers of 2025 for credit cards for fair credit. Compare cards with features like cash back, fraud coverage, or no annual fee.
Chase
chase.com › education center › credit cards › credit scores
650 Credit Score: A Guide to Credit Scores | Chase
A 650 credit score places you at the higher end of the fair credit score range (580-669). Learn more about what options you may have with a 650 credit score and ways you could improve it.
Credit Karma
creditkarma.com › credit-cards › i › how-to-get-high-limit-credit-card
6 Best High-Limit Credit Cards of 2025 | Intuit Credit Karma
3 days ago - Cards with higher credit limits likely require higher credit scores. Here are the average credit limits by VantageScore 3.0 credit score range from Sept. 1, 2022, to Feb. 1, 2023, among Credit Karma members who have at least one of the cards listed in this article (except the U.S.
Bankrate
bankrate.com › credit cards › bad credit
Best cards for a 600 credit score
November 11, 2025 - If you don’t find what you’re looking for below, you can expand your search with our best credit cards for fair credit. ... The Upgrade Cash Rewards Visa® offers rewards potential, possibly a high credit limit opportunity, a low APR opportunity and the ability to finance large purchases, all for no annual fee and a fair credit score.
Credit Donkey
creditdonkey.com › 650-700-credit-score.html
650 - 700 Credit Score Credit Cards
Save money and make savvy decisions with tips and deals from CreditDonkey. Read reviews and compare product ratings.
Discover
discover.com › card smarts › getting a credit card › what credit card do i qualify for?
What Credit Card Do I Qualify For? | Discover
April 15, 2025 - You can check whether you’re pre-approved with no harm to your credit. If you have a good credit score, you may be able to qualify for a credit card with great rewards, like the Discover it® Cash Back credit card.
MyBankTracker
mybanktracker.com › home › credit cards › credit score › best credit cards for credit scores of 650-700
Best Credit Cards for Credit Scores of 650-700
December 14, 2023 - Read our review of the best credit cards for credit scores from 650 - 700 to find cards with low interest rates, low fees, and great customer service.
Quora
quora.com › My-credit-score-is-650-My-report-said-my-lack-of-revolving-credit-hurts-my-score-What-are-the-best-unsecured-credit-cards-that-would-help-improve-a-credit-score
My credit score is 650. My report said my lack of revolving credit hurts my score. What are the best unsecured credit cards that would help improve a credit score? - Quora
Answer (1 of 7): At 650, it's important to begin finding any card that will accept you, and from a bank/institution you trust. Wait a year, do some research, and then apply for a better credit card. Wait six months, do some research, and then apply for a better credit card. Don't carry debt o...
U.S. News
money.usnews.com › home › credit cards › best credit cards for good credit of december 2025
Best Credit Cards for Good Credit of December 2025 | U.S. News
April 24, 2023 - IHG One Rewards Traveler Credit Card: Best feature: Bonus points at IHG hotels. If you have a FICO score of 670 to 739, then you have a good credit score. Good credit opens the door to credit cards with better benefits, lower fees and decent rewards.
CreditCardGenius
creditcardgenius.ca › blog › credit-score-range
What Are The Credit Score Ranges (+ The Best ...
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WalletHub
wallethub.com › credit-score-range › 650-credit-score
Is 650 a Good Credit Score? What It Means, Tips & More
A 650 credit score is considered “fair” credit, not “good” credit, and it is below the national average credit score of 702. Even though 650 is only a fair credit score, you should still be able to get a credit card or loan and improve to good credit very quickly.
CoolCredit
coolcredit.com › home › credit score › 650 credit score: is it good enough and how to improve it?
650 Credit Score: Is It Good Enough and How To Improve It?
September 11, 2024 - As stated above, if your credit score is 650, you're in the fair credit range. All-in-all, it indicates that you've managed your credit responsibly, however, there may have been a few bumps along the way, like missed payments or carrying too much debt. With this score, you can get access to credit, but lenders might perceive you as a bit of a risk. Therefore, loans and credit cards might still be available to you, though they could come with higher interest rates and lower credit limits.
Chase
chase.com › education center › credit cards › building credit
What Credit Score Do You Need for a Credit Card | Chase
March 6, 2023 - Don’t know what credit score you need to get a credit card? Discover the credit score ranges that will likely be needed to get approved for a credit card.
American Express
americanexpress.com › credit intel › cards
Find the Right Credit Card for Your Credit Score
July 3, 2025 - While the best credit cards vary from person to person, higher credit scores might fall in the “good,” “very good,” or “excellent” ranges and can usually expand the variety of credit cards you qualify for.2 The higher your score, the lower the risk you represent to lenders, so you have stronger chances of qualifying for a credit card with more generous rewards and benefits.3 However, the threshold for exceptional credit in the most common credit scoring model is 800 and up.4
GHS FCU
ghsfcu.com › all-blogs › finance-articles › credit-score-credit-card
The Credit Score You Need For Different Credit Cards in 2024 — GHS FCU
May 6, 2025 - You can qualify for most rewards cards with score requirements of around 700, which is at the lower end of the good range. Excellent scores of 720+ unlock premium cards with the best terms. ... Achieving a 750 score is realistic with diligent financial habits over time. Key steps are making all payments on time, keeping balances low, and limiting hard inquiries on your credit reports.
myFICO
ficoforums.myfico.com › t5 › Credit-Cards › Recommend-a-CC-for-me-Building-from-650-to-700 › td-p › 1466938
Recommend a CC for me: Building from 650 to 700 - myFICO® Forums - 1466938
August 1, 2012 - Beyond that I've heard Citi Forward ... member, definitely toss USAA on that stack as well. ... Thanks for the input Revelate. I'd be very happy with an Amex Zync, and I've heard of them approving people with scores in the 650s and below, providing income was high enou...
Experian
experian.com › home › credit report & scores › score advice › how do i get my credit score above 700?
How Do I Get My Credit Score Above 700?
July 18, 2024 - Establishing excellent credit can take several years, and your score will likely fluctuate as you borrow money for different reasons and pay off loans. Instead of focusing on short-term changes, focus on long-term strategies to maintain good credit habits. ... The best rewards credit cards typically require good or excellent credit to get approved, meaning that having a 700 credit score or better can improve your odds of getting the best credit card for you.