What is the best credit card for a 640 credit score?

Question

One of the best credit cards for a 600 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card rewards cardholders with 1.5 - 5% cash back on purchases. Plus, the card has a $0 annual fee.

Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.... read full answer

Best Credit Cards for a 600 Credit Score

No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Cash Back: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
Low Regular APR: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
No Deposit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Build Credit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

For more options, you can also check out our editors’ latest picks for the best credit cards for bad credit (600 credit score). Ultimately, to learn more, read WalletHub’s guides on secured credit cards and how to rebuild credit.

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Answer 1 · 2022-08-29 22:07:10

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Lisa Cahill, Credit Cards Moderator

@lisacahill • 08/29/22 This answer was first published on 03/11/21 and it was last updated on 08/29/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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One of the best credit cards for a 640 credit score is the Capital One Platinum Credit Card because it has a $0 annual fee and reports monthly to the three major credit bureaus. A 640 credit score is fair credit, and people with fair credit usually have high approval odds for starter credit cards such as Capital One Platinum.

Best Credit Cards for a 640 Credit Score

Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
Rewards & No Annual Fee: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
Cash Back: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

You can also check our editors’ latest picks for the best credit cards for fair credit on the market to weigh your options.

Ultimately, if you want the best approval odds with a credit score of 640, a secured credit card is also a good choice. One of the best secured cards for a 640 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card because it has good rewards. You’ll have to put down a $200 security deposit, but it’s fully refundable.

What is the best credit card for a 640 credit score?

Lisa Cahill, Credit Cards Moderator

Best Credit Cards for a 640 Credit Score

HSBC Premier World Credit Card

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What are the best credit cards for a 600 credit score?

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