A 600 credit score puts you in the "fair" credit range. Discover the top credit cards that can help you earn rewards while building your credit to the next level.
Top Credit Card Picks for a 600 Credit Score
600
Poor-Fair Credit Range
Credit Cards Options at This Score
What to Expect
At this score range, you'll qualify for some products but with higher rates and stricter terms. Subprime lenders are your primary option.
Rate Impact
Expect rates 5–12% above prime borrowers.
💡 Top Tip for 600 Credit
Dispute any errors on your credit report — even one removed negative item can push you into the fair range.
Timeline: 6–18 months of positive activity can improve your score significantly.
Upgrade Cash Rewards Visa®
Issuer: Upgrade
Regular APR: 14.99% - 29.99% Variable
Annual Fee: $0
Key Benefit: Unlimited 1.5% cash back on payments
Pros:
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- No annual fee
- Earn 1.5% cash back when you pay off your purchases
- Functions as a personal line of credit with predictable payments
Capital One QuicksilverOne Cash Rewards Credit Card
Issuer: Capital One
Regular APR: 28.99% Variable
Annual Fee: $39
Key Benefit: Unlimited 1.5% cash back on all purchases
Pros:
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- Earn unlimited 1.5% cash back on every purchase
- Automatic consideration for a higher credit line in as little as 6 months
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Mission Lane Silver Line Visa® Credit Card
Issuer: Mission Lane
Regular APR: 19.99% - 33.99% Variable
Annual Fee: $0
Key Benefit: Unlimited 1.5% cash back on every purchase
Pros:
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- No annual fee
- Clear path to a higher credit line
- See if you're approved with no impact to your credit score
Capital One Platinum Credit Card
Issuer: Capital One
Regular APR: 28.99% Variable
Annual Fee: $0
Key Benefit: No-frills credit building
Pros:
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- No annual fee and no hidden fees
- Automatic consideration for a higher credit line in as little as 6 months
- No foreign transaction fees
Discover it® Secured Credit Card
Issuer: Discover
Regular APR: 26.49% Variable
Annual Fee: $0
Key Benefit: 2% cash back at gas stations and restaurants
Pros:
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- Earn 2% cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter)
- Discover matches all the cash back you've earned at the end of your first year
- Automatic reviews starting at 7 months to see if you can transition to an unsecured line of credit
Comparison Rate Table
| Credit Card | Annual Fee | Regular APR | Recommended Credit |
|---|---|---|---|
| Upgrade Cash Rewards Visa® | $0 | 14.99% - 29.99% (V) | Fair/Good |
| Capital One QuicksilverOne | $39 | 28.99% (V) | Fair |
| Mission Lane Silver Line Visa® | $0 | 19.99% - 33.99% (V) | Fair |
| Capital One Platinum | $0 | 28.99% (V) | Fair |
| Discover it® Secured | $0 | 26.49% (V) | Poor/Fair |
| Credit One Bank® Platinum Visa® | $39 | 29.74% (V) | Fair |
How to Choose a Credit Card with a 600 Credit Score
A 600 credit score is a great starting point for rebuilding your credit. Here are four tips to help you choose the right card:
- Prioritize Credit Building: Look for cards that report to all three major credit bureaus (Equifax, Experian, and TransUnion). Consistent, on-time payments are the key to improving your score.
- Watch Out for Fees: Many cards for fair credit charge high annual fees or hidden maintenance fees. Opt for cards with low or no annual fees whenever possible.
- Consider Secured Options: If you're struggling to get approved for an unsecured card, a secured card (which requires a refundable deposit) can be an excellent tool to build credit while earning rewards.
- Check for Prequalification: Use prequalification tools to see which cards you're likely to be approved for without a hard pull on your credit report, protecting your score from unnecessary dips.
Frequently Asked Questions
Can I get a credit card with a 600 credit score?
Yes, a 600 credit score is considered "fair" credit. While you may not qualify for premium travel or rewards cards, there are many unsecured and secured credit cards designed specifically for this credit range that can help you build your score.
What is the best credit card for a 600 credit score?
The best card depends on your goals. For cash back, the Capital One QuicksilverOne is a strong choice. If you want to avoid an annual fee, the Upgrade Cash Rewards Visa or Capital One Platinum are excellent options.
Will applying for a credit card hurt my 600 credit score?
Applying for a new credit card usually results in a hard inquiry, which can temporarily lower your score by a few points. However, responsible use of the new card can improve your score over time.
How fast can I raise my credit score from 600?
With consistent on-time payments and keeping your credit utilization low (under 30%), you could see noticeable improvements in your score within 3 to 6 months.
Should I get a secured or unsecured card with a 600 score?
With a 600 score, you have a good chance of qualifying for an unsecured card. However, if you are denied or want better rewards without an annual fee, a secured card like the Discover it Secured is a great alternative.