The best credit cards for a 600 credit score are the Capital One Secured Mastercard and Discover it Secured. Your choices for 600 credit score credit cards are a bit limited because you’re in the bad credit range, so a secured credit card is your best bet. They have the highest approval odds of any credit cards and are available to people with bad credit because they require you to put down a security deposit. They also help you build credit just as well as unsecured cards do. But there are a few unsecured cards you can get too. Below is a list of some attractive options.
Here are credit cards for 600 credit score:
Capital One Secured Mastercard: This card is only partially secured. Everyone gets at least a $200 credit line, but you might only need to deposit $49 or $99, depending on your credit. And choosing to deposit more than Capital One asks for will give you more spending power, equal to the extra amount you put down (up to $1,000 total). There’s no annual fee.
Discover it Secured: Bad credit doesn’t mean you have to miss out on rewards; you can get 2% cash back on your first $1,000 in purchases per quarter at restaurants and gas stations and 1% on everything else. The rewards you earn the first year are doubled at the end, too. Your security deposit must be at least $200 and can be up to $2,500. And there’s no annual fee.
OpenSky Secured Visa: There’s no credit check for this card, so it has very high approval odds. You’ll just need to be able to afford the security deposit of at least $200, but you can deposit up to $3,000. You’ll also need to have some income in order to make payments. You do have to pay a $35 annual fee, though.
Credit One Bank Platinum Visa: You don’t need to make a deposit, as this card is unsecured. And you’ll get 1% cash back on all purchases. But there’s an annual fee that can be anywhere between $0 and $99, depending on your credit.
Indigo Mastercard for Less than Perfect Credit: This card is unsecured. There are no rewards, and there’s an annual fee between $0 and $99, depending on your credit.
So there are plenty of choices, some of which even offer rewards. But your approval chances will be best with the secured cards. And if you pay your secured card’s bill on time for a few months, you’ll improve to the fair credit range, which starts at 640, in no time. Then you’ll be able to qualify for cards with slightly better terms, including store cards for your favorite retailers.
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