Best Credit Cards for a 600 Credit Score 2024 (2024)

FAQs

What is the best credit card for a 600 credit score? ›

Fair (560-659).

You can qualify for basic credit cards with little/no perks. Improve your score to qualify for cards with more benefits and higher limits.

The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).

You can borrow anywhere from a few thousand dollars up to about $50,000 with a 600 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

No, you cannot get an American Express credit card with a 600 credit score, which is considered bad credit. Most Amex credit cards require a credit score of 700 or better for high chances of approval. This means you need to have at least good credit to get an Amex credit card.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

To make things sweeter, this card also comes with a lower credit score approval than most cards. You'll only require a credit score of 600 to be considered for approval.

What is the easiest American Express card to get approved for? ›

The easiest American Express cards to get are those that require a minimum of good credit for approval as opposed to excellent credit only. The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get because they only require good credit.

You need a credit score of at least 640 to 750 to get most Citi credit cards, along with enough income to afford the monthly bill payments. If you have limited credit history, you can get Citi's secured credit card.

Yes, you can buy a house with a 600 credit score — but it would be less challenging if your score were higher. A 600 score will not be high enough to qualify for a conventional home loan, so look into FHA loans, which have lower requirements: 500 with a 10 percent down payment, and 580 with a 3.5 percent down payment.

Generally, you'll need a good to excellent credit score — 670 or higher — to qualify for a $20,000 loan.

Having a 600 credit score places you below the national average and into the “fair credit” category. Subprime is the categorization lenders use to designate the likelihood that a borrower will default on or pay back their loan.

A 600 credit score is labeled as fair, so it could limit you from landing better APRs or hurt your chances of getting approved for certain financial agreements such as mortgages and loans. Keeping credit card balances low and paying bills on time can help maintain and improve credit.

One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.

A 600 credit score is rated as fair by Equifax and TransUnion and this means although you may be approved for a mortgage you won't benefit from the best rates. However, if your 600 credit score is with Experian then you have a poor credit rating.