Fair Credit · Score 580–619
WiseIQ Editorial Team
Reviewed by certified financial experts · Updated March 2026
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WiseIQ Editorial Team
WiseIQ Research Team · WiseIQ Editorial
Updated March 2026
Quick Summary
580
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.
WiseIQ Expert Tip
Always pay your statement balance in full each month — not just the minimum. Carrying a balance costs the average American over $1,200 per year in interest charges.
Rate Impact
Expect rates 5–12% above prime borrowers.
💡 Top Tip for 580 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.
A 580 credit score falls in the fair credit range. While some traditional lenders may decline your application, there are strong options designed specifically for rebuilding credit.
Our top pick: Discover it® Secured — Reports to all 3 bureaus, no annual fee, and graduates to unsecured after responsible use.
Expert Tip: Focus on secured cards and credit-builder products. Making on-time payments for 6–12 months can move you into the good credit range.
Not Financial Advice: The information on this page is for comparison and educational purposes only. WiseIQ is not a licensed financial advisor or credit counselor. Always review the full product terms and consult a financial professional before applying.
Best Credit Cards for 580 Credit Score
Discover it® Secured
Strong MatchDiscover
Sign-up Bonus
Cashback Match™ first year
Regular APR
28.24%
Annual Fee
$0
Why we recommend it: Reports to all 3 bureaus, no annual fee, and graduates to unsecured after responsible use.
Last reviewed: April 2026
Apply Now — Discover it® Secured →
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Capital One Platinum Secured
Strong MatchCapital One
Sign-up Bonus
None
Regular APR
29.99%
Annual Fee
$0
Why we recommend it: Low deposit requirement, automatic credit line reviews after 6 months.
Last reviewed: April 2026
Apply Now — Capital One Platinum Secured →
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Capital One Quicksilver Secured
Good MatchCapital One
Sign-up Bonus
None
Regular APR
29.99%
Annual Fee
$0
Why we recommend it: 1.5% cash back on every purchase while building credit — rare for a secured card.
Last reviewed: April 2026
Apply Now — Capital One Quicksilver Secured →
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Who Should Look Elsewhere
A credit card is not the right tool for every situation. Consider alternatives if any of the following apply to you:
- You carry a balance month-to-month: At an average APR of 21.76%, carrying a balance on a rewards card will cost more than the rewards are worth. A personal loan at a lower fixed rate is almost always cheaper for debt you cannot pay off monthly.
- You need cash, not credit: Credit card cash advances typically charge 25–30% APR with no grace period and a 3–5% transaction fee. A personal loan is significantly cheaper for cash needs.
- Your credit score is below 580: Most rewards and cashback cards require 670+. Below 580, a secured credit card or credit-builder loan is a more realistic path to building credit.
- You are rebuilding after bankruptcy: Most unsecured cards are unavailable for 1–2 years post-discharge. A secured card with a refundable deposit is the standard rebuilding tool.
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Best Personal Loans for 580 Credit Score
Sources & Methodology
WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.
- Consumer Financial Protection Bureau (CFPB) — regulatory data and consumer guidance
- Federal Reserve — Consumer Credit Report (G.19) — interest rate benchmarks
- AnnualCreditReport.com — official free credit report access
- myFICO Credit Education — credit score methodology
- Lender and issuer websites — rates, terms, and eligibility verified directly from source
Last reviewed: April 2026 | How we rank products