The best credit card for a 660 credit score is the Capital One Platinum card, which has a $0 annual fee and a $0 foreign transaction fee. After you make your first 5 payments on time, you could also get upgraded to a higher credit line ($300+ to start). Capital One Platinum does not offer rewards, but it can help you build credit for free.
If you’re set on rewards, the best credit card for a 660 credit score is Capital One QuicksilverOne. It offers 1.5% cash back on all purchases, which is an above average earning rate. However, it does charge an annual fee of $39 .
A 660 credit score is considered fair credit, but it isn’t too far from good credit, which starts at 700. So you might have a shot at getting a credit card for people with good credit, if you have a lot of income relative to your debt or you wait a little while to improve your score before you apply. The Citi Double Cash Card is a good option because it offers 2% cash back rewards and has no annual fee. Customers report it’s possible to get with a 660 score, but it’s definitely less likely than with a score of 700.
Best credit cards for a 660 credit score:
Capital One QuicksilverOne Credit Card: $39 annual fee. Unlimited 1.5% cash back on all purchases. After, first 5 on-time payments may be eligible for a higher credit line. No foreign transaction fee.
Amazon.com Store Card: $0 annual fee. Amazon Prime members get 5% back on all purchases. Once approved, $10 Amazon gift card uploaded to your Amazon account.
Capital One Platinum: $0 annual fee. No rewards but possible access to a higher credit line after making first 5 payments on time. Possible upgrade to Capital One Quicksilver once your credit improves.
Journey Student Rewards from Capital One: $0 annual fee. Unlimited 1% cash back on all purchases. Earnings bumped to 1.25% every month you pay your bill on time.
Target Credit Card: $0 annual fee. Save 5% at Target in-store and online, plus an extra 30 days on returns. Most Target.com orders qualify for free 2-day shipping.
Citi Double Cash: $0 annual fee. Unlimited 2% cash back on all purchases: 1% when you buy and 1% when you pay. 0% for 18 months on balance transfers (3% (min $5) transfer fee). This card is for good credit (700+ score).
The best credit card for a 660 credit score is one that charges no or low fees. Credit cards for fair credit don’t have the best interest rates. So try to pay your bill in full and on time every month. Doing so, along with keeping your credit utilization low, should eventually get your score in the good range.
Before you apply for a card, you may be able to check for pre approval to test the waters. If you’re pre approved, you’re not guaranteed approval but your odds are about as high as they can be.
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