WalletHub, Financial Company
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The best credit card for a 600 credit score is the opensky Plus Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The opensky Plus Credit Card also reports to the credit bureaus on a monthly basis. You’ll have to put down an initial deposit of at least $300 to open the account, but that’s fully refundable.
Best Credit Cards for a 600 Credit Score
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: opensky® Plus Secured Visa® Credit CardLearn MoreLearn More
- Custom Rewards: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- Custom Rewards: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn Moreon issuer's website
- Custom Rewards: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- No Bank Account Needed: First Progress Select Secured Mastercard®Learn MoreLearn Moreon issuer's website
- No Bank Account Needed: First Progress Select Secured Mastercard®Learn MoreLearn Moreon issuer's website
- No Bank Account Needed: First Progress Select Secured Mastercard®Learn MoreLearn More
- No Credit Check: opensky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- No Credit Check: opensky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- No Credit Check: opensky® Secured Visa® Credit CardLearn MoreLearn More
- Rewards on Payments: First Progress Prestige Secured Mastercard®Learn MoreLearn Moreon issuer's website
- Rewards on Payments: First Progress Prestige Secured Mastercard®Learn MoreLearn Moreon issuer's website
- Rewards on Payments: First Progress Prestige Secured Mastercard®Learn MoreLearn More
- Best Overall:
- Custom Rewards:
- No Bank Account Needed:
- No Credit Check:
- Rewards on Payments:
A 600 credit score is considered bad credit. It indicates you’ve had past credit difficulties, which makes lenders see you as a potential risk. That’s why the best credit cards for a 600 credit score are usually secured credit cards. They’re easier to get and much less expensive than unsecured credit cards for bad credit.
To improve your credit score, you should get a secured credit card with no annual fee and use it responsibly to improve your credit score. You can compare the best secured credit card offers currently available on WalletHub, as well as track your credit score for free.
Keep in mind that the credit score we present is only a recommendation, and the issuer might use a different score. Other factors are also considered when the issuer decides whether you are approved.
Popular Credit Cards for Bad Credit from Our Partners
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Partially Secured
chip_letterman, Member
@chip_letterman
I agree, secured cards are best for a 600 credit score. The Discover it® Secured Credit Card has a $0 annual fee and gives 1 - 2% cash back on purchases. It requires a $200 security deposit to open the account and set the credit limit. The Capital One Platinum Secured Credit Card also has a $0 annual fee. The required deposit is $49, $99 or $200, based on creditworthiness. But no matter what your deposit is, you’re always guaranteed at least a $200 credit limit.
James R, Member
@BaysideSunset25
If you’re sitting at a 600 score, focus on secured cards first. Capital One’s Quicksilver Secured is solid - 1.5% cashback, no annual fee, and they might even refund your deposit early. Discover it® Secured is another winner (they match cashback the first year). Avoid rushing into unsecured cards unless you’ve checked pre-approvals, but Chase Freedom Rise is doable if you open a Chase checking account with $250.
Augustus Bellevue, Member
@steyr_augheart
Get the Fingerhut Credit Account if you're looking for an unsecured one (it has pretty harsh APRs, though). Try the Discover it® Secured Credit Card or the Capital One Platinum Secured Credit Card if you're looking for a well-balanced card and an issuer with a good reputation.
I have it and don't like it very much nor their collecting issues trying to collect twice a month
Emma Rodriguez, Member
@emmarod
Synchrony store cards (Amazon, PayPal) can be easy gets. Got my Amazon card at 595 with a $400 limit!
Robert KK, Member
@robkim_ca
I got a store card from Kohl’s when my score was around 600…could be worth exploring (but dont blame me if you get turned down!)
Layla Rivera, Member
@laylarivera
For a 600 credit score, secured cards are your safest bet. Here are my top recommendations:
*Discover it Secured Credit Card: Best for rewards + future upgrades.
*Capital One Platinum Secured: Lowest deposit option ($49).
*Bank of America® Customized Cash Secured: Pick a 3% category (gas, online shopping, etc.).
After you get one of these cards, make sure to:
- Pay in full monthly to avoid interest.
- Keep utilization under 30%.
- Never miss a due date.
After 12 months of on-time payments, request an unsecured upgrade. Some lenders comply if you’ve managed the card well. Patience pays off!
People also ask
Can i get a credit card with a 600 credit score?
Yes, you can get a credit card with a 600 credit score, and there are both secured and unsecured options. One of the best credit cards for a 600 score is the Bank of America® Travel Rewards Secured Credit Card because it offers rewards and a $0 annual fee. This credit card requires a security deposit of at least $200 to open the account.
Most of the best cards for people with a 600 credit score are secured cards. Unsecured cards...
read full answer by Adam McCann, Financial WriterWhat unsecured credit cards can I get with a 600 credit score?
There are several unsecured cards you can get with a 600 credit score, the best of which is the OneMain Financial BrightWay® Card. This card accepts applicants with bad credit, and it offers 1% cash back on all purchases. Just note that the OneMain Financial BrightWay® Card’s annual fee is $0 - $89, depending on your credit score.
Best Unsecured Cards to Get With a 600 Credit Score
If you want more options, you can take a look at the rest of our editors' picks for...
read full answer by Thom Fotenberg, WalletHub Credit Card AnalystHow can I get a credit card with bad credit?
You can get a credit card with bad credit by applying for a secured credit card or an unsecured credit card for bad credit. Secured cards have lenient credit score requirements, making them accessible even if you have bad credit. But you will have to place a refundable security deposit that will serve as your credit limit.
Some secured credit cards don’t even check an applicant’s credit history, which means there’s no hard pull to hurt your credit score further. Plus, past...
read full answer by John S Kiernan, Managing EditorDid we answer your question?
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