What are the best credit cards for a 650 credit score?

The best credit card for a 650 credit score is the Capital One Platinum Credit Card. It has a $0 annual fee, which means you have access to the entire credit limit from the start. The credit limit will be a minimum of $300. You’ll also have a chance for a credit limit increase when you make your first five payments on time. But you’ll want to avoid carrying a balance from month to month. The Capital One Platinum Credit Card comes with a 26.99% (V) regular APR.

A 650 credit score is near the low end of the fair credit score range. People with fair credit typically have a tough time getting approved for cards with favorable terms and rewards. But if you don’t mind paying a small annual fee, Capital One offers the Capital One QuicksilverOne Cash Rewards Credit Card. It gives 1.5% cash back on all purchases in exchange for a $39 annual fee. Otherwise, it’s pretty similar to the Capital One Platinum Credit Card.

People with a 650 credit score should consider opening a secured credit card account. Secured cards have easy approval and few fees. The best secured card is the Discover it® Secured Credit Card. It offers 1 - 2% cash back on purchases and automatically matches all cash back earned at the end of your first year. There’s a $0 annual fee.

The Capital One QuicksilverOne Cash Rewards Credit Card is a great choice when you have a score of 650. You earn unlimited 1.5% cash back on every purchase but it has an annual fee of $39.