Credit Score in the 600s? These Credit Cards Won’t Ghost You

The Best Credit Cards for People with 600-650 Credit Scores

Alright, so your credit score is in that 600-650 range—basically the credit world’s awkward teenage phase. Not quite terrible, but not exactly brag-worthy either. If you’re part of the African American community, this can be especially challenging since the average credit score hovers around 627. That’s squarely in the ‘fair’ category—far from terrible, but also not exactly opening doors to premium credit card perks. The good news? You’re not doomed to a life of prepaid cards and cash-only purchases. There are actually some decent credit cards out there that won’t just help you build your credit but might even put a little cash back in your pocket. Here’s a rundown of the top options worth swiping right on.

1. Capital One Platinum Credit Card

Think of this card as your reliable, slightly boring friend who always has your back. It’s unsecured, so no deposit is needed, and there’s no annual fee. Plus, if you prove you’re responsible (like paying on time), you might just score a credit line increase after six months. Capital One also reports to all three credit bureaus, so your good behavior doesn’t go unnoticed.

• Estimated Credit Limit: Typically starts at $300 and can increase with responsible use.
• Apply Here: Capital One Platinum Credit Card

2. Capital One QuicksilverOne Cash Rewards Credit Card

Looking to make your money work a little harder? The QuicksilverOne has your back with 1.5% cash back on every single purchase. It’s like a little reward for adulting responsibly. Sure, there’s a $39 annual fee, but the unlimited cash back can more than make up for it if you’re swiping often. Plus, consistent payments could land you a credit limit boost.

• Estimated Credit Limit: Starts at around $300 to $1,000 depending on creditworthiness.
• Apply Here: Capital One QuicksilverOne

3. Discover it® Secured Credit Card

If you’re down to put down a deposit, Discover’s secured card is a winner. Not only does it give you 2% cash back at gas stations and restaurants (because we all have to eat and drive), but it matches your cash back at the end of the first year. Plus, no annual fee—so you can keep your coins where they belong.

• Estimated Credit Limit: Equal to your security deposit (minimum $200).
• Apply Here: Discover it® Secured Card

4. Chime Secured Credit Builder Visa® Credit Card

No annual fee, no minimum deposit, and no credit check to apply? It almost sounds too good to be true, but Chime really did that. Move money from your Chime Spending Account to your Credit Builder account, and you’re on your way to improving that credit score without the usual headaches.

• Estimated Credit Limit: Depends on the amount transferred from your Chime Spending Account.
• Apply Here: Chime Credit Builder Visa®

5. Mission Lane Visa® Credit Card

If the word “secured” makes you cringe, Mission Lane’s unsecured card might be the one. No deposit needed, and it reports to all three credit bureaus—because your glow-up deserves to be noticed. Just be prepared for a moderate annual fee, but hey, building credit isn’t always free.

• Estimated Credit Limit: Typically between $300 and $1,000.
• Apply Here: Mission Lane Visa®

You’re not stuck—this is just a pit stop on your credit journey. Finding the right card for your score range doesn’t have to feel like settling. Focus on cards that give you a little something back while helping you inch closer to that shiny 700+ score. Make your payments, keep balances low, and watch your credit story transform from a cautionary tale to a comeback saga.

Disclaimer: This content is for informational purposes only and should not be considered financial advice. Please consult with a licensed financial professional before making any financial decisions.