Chip Lupo, Credit Card Writer
@CLoop
The best credit card for a 650 credit score is the Upgrade Cash Rewards Card, which has a $0 annual fee and offers 1.5% cash back on purchases. The Upgrade Cash Rewards Card also reports to the major credit bureaus every month, so it can help you improve your credit history if used responsibly.
Best Credit Cards for a 650 Credit Score
- Rates & Fees Overall: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Rates & Fees Overall: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Overall: Upgrade Cash Rewards Visa®Learn MoreLearn More
- Rates & Fees Cash Back Rewards: Capital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back Rewards: Capital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Cash Back Rewards: Capital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
- Average Credit: Petal® 2 Visa® Credit CardLearn MoreLearn More
- Average Credit: Petal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Average Credit: Petal® 2 Visa® Credit CardLearn MoreLearn More
- Amazon Rewards: Amazon Store CardLearn MoreLearn More
- Amazon Rewards: Amazon Store CardLearn MoreLearn Moreon issuer's website
- Amazon Rewards: Amazon Store CardLearn MoreLearn More
- Rates & Fees Student Rewards: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Student Rewards: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Student Rewards: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn More
- Overall:
- Cash Back Rewards:
- Average Credit:
- Amazon Rewards:
- Student Rewards:
A 650 credit score is considered fair credit, which means you should have no problem qualifying for a credit card, but you should keep in mind that you need a good credit or better to get the best credit cards overall. You can check out WalletHub’s step-by-step guide on how to improve your credit score, as well as check your latest 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. Also, when the issuer decides whether you are approved, there are other factors considered.
Popular Credit Cards for Fair Credit from Our Partners
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Starter Card
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Everyday Cash Back
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Flat Rate Rewards
Ryan Adams, Member
@radams_sports
I got Citi Double Cash with a similar score and have really liked it.
Ella Morgan, Member
@ella_morgan
I agree with the recommendations above. Secured cards are safest, but you should see if you can get preapproved for a decent card with no deposit first. Preapproval is risk-free.
Jason Watson, Member
@jwatson_consult
Discover it Secured: easy to get, great rewards, no annual fee, and could graduate to unsecured. But you could see if you’re preapproved for Discover it Chrome first.
Charlotte Lewis, Member
@char_lewis
A 650 credit score puts you in the "fair" range, which means you’ve got options - but probably not premium cards yet. I’d focus on starter cards like the Discover It Secured (even the unsecured version if you pre-qualify) or the Capital One Platinum. Both are great for building credit, and Capital One is known for being friendly to mid-range scores. Avoid annual fees if you can - this card might stick around as your oldest account, and you don’t want to feel trapped paying a fee forever.
Daniel Wright, Member
@dwright_dev
Ooh, I just researched this! With a 650 score, you’ve got some solid options to start building credit and earn rewards:
- Discover it® Secured: My top pick! 2% cashback at gas/restaurants (up to $1K/quarter) + cashback match your first year. Requires a $200 deposit, but can graduate to unsecured in 7-12 months.
- Capital One Platinum: No annual fee/easy approval/potential for credit limit increases after 6 months.
- Capital One QuicksilverOne: 1.5% cashback on everything (but has a $39 annual fee).
- Citi Double Cash: 2% back on everything/no annual fee.
Some people suggest the Apple Card with 650, but dunno what to say. Always check pre-approval tools first (it’s just a soft pull)!
People also ask
What are the best credit cards for fair credit with no annual fee?
The best credit card for fair credit with no annual fee is the Upgrade Cash Rewards Visa® because it gives 1.5% cash back on all purchases, credited when you pay your bill. The Upgrade Cash Rewards Card also has a $0 annual fee.
Best Credit Cards for Fair Credit with No...
read full answer by Lisa Cahill, Credit Cards ModeratorWhat is the minimum credit score for a credit card?
The minimum credit score for most credit cards is 640-700+, but you can get some cards with bad credit or no credit score at all. Some credit card companies won’t even check your credit history when you apply, making it easy to get approved as long as you have enough income to afford the monthly bill payments.
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read full answer by WalletHub, Financial CompanyWhat are the best unsecured credit cards for fair credit?
The best unsecured credit card for fair credit is the Upgrade Cash Rewards Visa® because it gives 1.5% cash back on purchases. The Upgrade Cash Rewards Card also has a $0 annual fee and allows you to check for an offer without impacting your credit scores.
Best Credit Cards for Fair Credit
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read full answer by John S Kiernan, Managing EditorDid we answer your question?
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