Lisa Cahill, Credit Cards Moderator
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
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.
HSBC Premier World Credit Card
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