Chelsea Denning
April 16, 2020
If you have a credit score around 600, you may be wondering which credit cards you would qualify for. Most credit card issuers would consider this poor to fair credit. If you have felt frustrated from not getting approved for a card in the past these are the cards you should apply for if you have a 600 credit score.
Unsure what your credit score is? You can check here, absolutely free! Checking your credit score will not impact your score at all.
Best cards for 600 or below credit score:
Reflex Mastercard®
The Reflex Mastercard® is a good choice for those with minimal credit history or those that are looking to start repairing a low credit score. The Reflex Mastercard® starts users out with a $500 credit limit which may increase after just 6 months. They report to all three major credit bureaus so you can be on your way to improving your score with responsible use of this card.
- Credit Recommended:
- Fair/Poor/Bad/Limited
- Regular APR
- 25.90% - 29.99%
- Annual Fee
- See Terms
- Credit Recommended
- Fair/Poor/Bad/Limited
- Intro Rate
- N/A
- Intro Period
- N/A
- Balance Transfer
- N/A
Highlights
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
First Digital Mastercard®
Perfect credit is not required for approval of a First Digital Mastercard®. The application is quick and easy to complete. This card is a full-feature, unsecured Mastercard® accepted at millions of merchants worldwide.
- Credit Recommended:
- See website for Details*
- Regular APR
- 35.99%
- Cash Advance APR
- 35.99%
- Annual Fee
- $75.00 for first year. After that, $48.00 annually.
Apply Now
on Synovus Bank, Member FDIC secure website.
- Late Payment Fee
- $40
- Return Check Fee
- $40
- Activation Fee
- $95.00 (one-time fee)
Highlights
- Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
- Build up your credit history with a card that reports to all three major credit bureaus every month.
- Perfect credit not required for approval; we may approve you when others won’t.
- Easy and secure online application – It takes just moments to apply.
- Issued by Synovus Bank, Member: FDIC
First PREMIER® Bank Mastercard®
The First PREMIER® Bank Mastercard® is a good option if you have poor credit and are looking to repair your credit quickly with timely payments. This card has a manageable credit limit and is meant to get you back on track.
- Credit Recommended:
- Fair/Poor
- Checking Account Required
- Yes
- Reports to Consumer Reporting Agencies
- Yes
- Card Brand
- Mastercard®
Apply Now
on First PREMIER® Bank secure website.
- Credit Recommended
- Fair/Poor
Highlights
- YOU’RE NOT ALONE. With millions of customers nationwide, First PREMIER Bank has the expertise to serve you, your family and friends.
- Access to available credit when you need it
- Manageable credit limit, manageable payment, meant to fit your budget
- Credit Limit Increase Eligible —upon request, and after 12 months of consistent responsible account management (on-time payments and staying within the credit limit).
- Choose which account management options are right for you
*FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
While a 600 credit score isn’t a “bad score”, travel and reward category cards are a very unlikely option in this range. There are definitely steps you can be taking now though to improve your score so you can eventually start earning credit card rewards. There are lots of ways your credit score can impact your daily life so you’ll want to get started today on improving your score.
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.