Can I get a credit card with a credit score between 600 and 650?

Can you get approved for a credit card if your credit score is between 600 and 650?


The key to successfully getting credit card approval, however, lies in choose the right card to apply to.

Many credit cards that you’ve seen—and perhaps applied to before—require credit scores of at least 700 or even 720. They’ll sometimes approve applicants with credit scores in the high 600s, but if you’re in the 610, 620, 630 range, etc., you’ll likely be denied for these cards.

How to get a credit card with a Fico score of 610, 620, 630, or 640

  1. Look for credit cards that only require “average credit”. Credit cards that require “good” or “excellent” credit will likely not approve you.
  2. If at first you don’t succeed, keep trying with another card. Every bank makes its approval decisions differently, and just because one bank turned you down doesn’t mean another will.

Related Questions

Q. My credit score is 615 and I was denied for a Chase credit card. Are there other credit cards I can get approved for?

A. Yes. Check out cards for average/limited credit like the Capital One® Platinum Credit Card, which is designed for people looking to build or rebuild credit.

Q. My FICO score is 625; can I get a credit card that doesn’t charge $300 in fees?

A. Yes. Unfortunately a lot of credit cards that are available to people with less-than-perfect credit charge high fees because the companies figure that you will think you can’t do any better. You can. Our recommended credit cards, for example, charge annual fees of less than $100. Depending on your application, you may not have to pay a fee at all.

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