Credit Cards You Can Get With A 600 Credit Score – Bankrate.com

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If your credit score reaches the 600s, that’s an indicator that your credit-building journey is on the right track. A 600 on the FICO scales means your credit has entered the fair range and could reach the good range soon, if you keep up the good work. The higher your score, the better access you have to the best credit cards. But even if you’re not in the upper echelon yet, there are plenty of competitive options to help you keep up your credit-building efforts.
The Upgrade Cash Rewards Visa® provides a reward incentive for the most important factor in building your credit score: your payment history. You’ll earn unlimited 1.5 percent cash back on purchases, but only when you make a payment on your card. Tying cash back rewards and payment history together is a great way to make sure to keep your score on an upward trend, as long as you keep up with regular payments and other key credit habits like a low credit utilization ratio.
Your ongoing APR with this card is based on your creditworthiness, so it could either be low or sky high, ranging from 14.99 percent to 29.99 percent APR. A higher APR means you’ll accrue more in interest charges if you carry a balance from month to month. Having a score in the fair range may put you in the middle of the pack for ongoing APR with this card, so be sure to avoid carrying a balance to skip the added interest altogether.
As you build a better score, you’ll get access to better cards with more competitive rewards rates, like the Capital One QuicksilverOne. You get unlimited 1.5 percent cash back on all purchases with this card, as well as a lucrative 5 percent cash back rate on hotels and rental cars booked through Capital One Travel (terms apply).
There’s a small catch. You’ll have to pay a $39 annual fee for this card and the ongoing APR is steep at 28.49 percent variable. However, this annual fee one of the lowest you’ll find, and the ongoing APR is a non-factor if you pay your balance in full each month. This card also isn’t secured, so you won’t have to pay both an annual fee and a security deposit.
The Mission Lane Cash Back Visa® Credit Card is a great representation of the difference between a bad and a fair credit score, and what perks a card for each can get you. The Mission Lane Cash Back Visa is a step up from its sister card, the Mission Lane Visa® Credit Card, because it offers cash back. You still won’t have to pay an annual fee and there’s still no security deposit requirement. You’ll earn at least 1 percent unlimited cash back on your purchases, with the opportunity to earn up to 1.5 percent cash back depending on your individual program terms.
One major drawback of the card is that your official rewards rate, which differs based on your assigned program terms after application, is unknown until you’re approved for the card. The starting credit limit is fairly low at $300, but you will have the chance to get this limit increased after making six on-time payments. As per usual with cards for lower credit scores, the ongoing APR is high at 26.99 percent to 29.99 percent variable, so try not to carry a balance each month.
The Capital One Platinum Credit Card is virtually identical to the Capital One Platinum Secured credit card. The main difference is the credit score recommendation for approval and the security deposit requirement. Since the Capital One Platinum card doesn’t require a security deposit, it’s another example of the benefits of a better credit score: less added costs.
There’s still no rewards structure on this card, but this may be to your advantage when it comes to focusing on continued credit building. You could be eligible for a credit limit increase after six months and the CreditWise app is a handy tool to help you track your score progression.
Another card that keeps a square focus on credit building is the Citi® Secured Mastercard®. You won’t get rewards with this card and it is secured, so a security deposit is required. This card may be ideal for someone whose score is on the lower side of the fair credit score range, and who may not qualify for the better ongoing APRs on some other credit cards for fair credit. There is no annual fee and your ongoing APR is 26.24 percent variable, which lands in the middle range for these kinds of credit cards.
You could get your deposit refunded after 18 months with this card along with a potential upgrade from Citi, though these terms for upgrade aren’t explicit. As a perk for holding a Citi card, you’ll get access to Citi Entertainment, which features deals on exclusive travel, dining and entertainment events.
When your score improves, you’ll get access to more credit cards that offer rewards. Learning how to maximize your credit card rewards is a great way to benefit from your credit-building efforts two-fold.
Reaching the fair credit range gives you more breathing room when it comes to letting go of extra fees and brings the potential for earning rewards. Try not to let these extra freedoms distract you from your goals. Continue paying your balances on time and in full whenever possible to avoid added interest that can reduce your new reward earnings. Use the money you used to save up for security deposits as a way to keep your credit utilization below 30 percent. Keep up with your responsible credit habits and you’ll be able to get your hands on the most lucrative credit cards in no time.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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