You can get a credit card with a 600 credit score, but your options will be limited compared to someone with a higher score. You'll likely be offered secured credit cards or credit cards for people with fair credit.
Here are some things to keep in mind:
- Secured credit cards require you to make a security deposit, which typically becomes your credit limit. This deposit reduces the lender's risk, making it easier to get approved.
- Credit cards for people with fair credit often have higher interest rates and annual fees.
- Shop around for the best offers. Compare interest rates, annual fees, and other perks to find the card that best suits your needs.
Some examples of credit cards you might be eligible for with a 600 credit score include:
- Secured credit cards:
- Discover it Secured Credit Card: Offers a credit limit based on your security deposit and the potential to graduate to an unsecured card.
- Capital One Secured Mastercard: Allows you to choose your security deposit and offers a credit limit based on that amount.
- Credit cards for fair credit:
- Capital One QuicksilverOne Cash Rewards Credit Card: Offers 1.5% cash back on all purchases.
- Chase Freedom Unlimited: Offers a flat 1.5% cash back on all purchases.
Remember to use your credit card responsibly to help improve your credit score over time. Make payments on time, keep your credit utilization low, and avoid opening too many new accounts.
