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Total Visa® Card
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- Annual Fee See Terms
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Visa
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit)
- Reports monthly to all three major credit bureaus
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: See Terms
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
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Join today!Surge Secured Mastercard®
- Regular Purchase APR 19.99% variable based on the Prime Rate
- Cash Advance APR 19.99% variable based on the Prime Rate
- Annual Fee $69
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Initial refundable deposit of $300 becomes your credit limit
- 1% Cash Back rewards on every purchase
- Free access to your Vantage 3.0 Score from Experian (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
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)
- Checking Account Required
- Regular Purchase APR: 19.99% variable based on the Prime Rate
- Cash Advance APR: 19.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: See Terms
- Annual Fee: $69
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- Over Limit Penalty Fee: See Terms
- Minimum Deposit Required: $300
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Join today!Surge Mastercard® Credit Card
- Regular Purchase APR See website for Details
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- Annual Fee See website for Details
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
- Regular Purchase APR: See website for Details
- Cash Advance APR: See website for Details
- Cash Advance Transaction Fee: See website for Details
- Annual Fee: See website for Details
- Foreign Transaction Fee: See website for Details
- Late Payment Penalty Fee: See website for Details
- Return Payment Penalty Fee: See website for Details
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Join today!Reflex Mastercard® Credit Card
- Regular Purchase APR See Terms
- Cash Advance APR See Terms
- Annual Fee See Terms
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- 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 Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: See Terms
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
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Join today!FIT Mastercard®
- Regular Purchase APR See Terms
- Cash Advance APR See Terms
- Annual Fee See Terms
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: See Terms
- Foreign Transaction Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
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Join today!First Digital NextGen Mastercard® Credit Card
- Regular Purchase APR See Terms
- Cash Advance APR See Terms
- Annual Fee See Terms
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- 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
- Regular Purchase APR: See Terms
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- Cash Advance Transaction Fee: See Terms
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- Foreign Transaction Fee: See Terms
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Join today!First Access Solid Black VISA® Credit Card
- Regular Purchase APR See Terms
- Cash Advance APR See Terms
- Annual Fee See Terms
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Visa
- Checking Account Required
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
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Join today!Destiny® Mastercard®
- Regular Purchase APR 35.9%
- Cash Advance APR 35.9%
- Annual Fee $125 the first year; $49 thereafter
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- Build your access to credit - $500 credit limit
- Get the flexibility of an unsecured Mastercard, even with less than perfect credit
- Easy pre-qualification process which does not affect your credit score
- Your financial future is important. Keeping your Destiny account in good standing may help establish and/or improve your credit history with reporting to the three major credit bureaus
- No security deposit required
- 24/7 access to your account information, even on mobile
- Worry-free fraud protection if your card is lost or stolen
- Regular Purchase APR: 35.9%
- Cash Advance APR: 35.9%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each transaction, whichever is greater (maximum $100)
- Annual Fee: $125 the first year; $49 thereafter
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
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Join today!Self Visa® Credit Card
- Regular Purchase APR 23.99%
- Annual Fee $25
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network Visa
- Get the savings plan that helps build credit today
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options
- No credit score is needed to get started
- Your money is secured and protected in a bank account
- Regular Purchase APR: 23.99%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
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Join today!Sable Secured Credit Card
- Regular Purchase APR 10.99% variable based on the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Earn up to 2% cash back on select purchases
- Earn 1% cash back on all other purchases
- Cell phone protection included
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 10.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2%
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $10
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Join today!You've viewed 10 of 186 credit cards
What Is a Fair Credit Score?
A fair, or average, credit score is one that isn’t good but still qualifies the individual for a wider selection of credit cards than those with bad credit or no credit history at all.
There are different standards of what is an “average” credit score, depending on the scoring model the card issuer uses. The two most popular scoring models are FICO and VantageScore. FICO is the older of the two, while VantageScore is a creation of the three major credit bureaus, designed to offer a different viewpoint to FICO.
FICO is by far the more popular scoring system, with over 90% of lenders preferring the FICO method to gauge an applicant’s creditworthiness. On the FICO scale, a “fair” credit score is between 580 and 669. The FICO system ranges from 300 (no credit/ very poor) to 850 (exceptional). So, everyone wondering if a 600 credit score is average can rest assured, that yes, it is.
VantageScore is similar to FICO but places a larger emphasis on newer credit. Like FICO, VantageScore ranges from 300 to 850, with fair credit ranging from 601 to 660. A 600 credit score with VantageScore, therefore, is “poor.”
Is Fair Credit Bad?
While having an average credit score isn’t the worst, it isn’t good either. People with fair credit are considered subprime by lenders. Being subprime means that when applying for a credit card, the applicant will receive higher interest rates than those with excellent credit. They also may not have access to the best rewards, balance transfer offers (including 0% APR or $0 balance transfer fees), and more.
That said, having fair credit isn’t bad either. Many people with a fair credit score still have access to unsecured credit cards. Unsecured cards are what people typically think of when they imagine a credit card. Unlike secured credit cards, which require a deposit, no deposit is required with a traditional credit card.
Average Credit Score Statistics
While a credit score between 600 to 650 is subprime, it isn’t unusual. According to Experian, on the three largest credit bureaus, 17% of Americans have a fair credit score. Additionally, 16% of Americans have a poor credit score. This means that a third of people with a FICO score have subprime credit.
With VantageScore, the average is even higher. Using their scoring method, 38% of Americans have subprime credit, with 13% of those having an average credit score.
Common Features of Fair Credit Score Cards
Credit cards for average credit scores in the 600s have some common features. These features include:
Interest Rates
People with fair credit typically pay the highest interest rates. The current average APR for someone with average credit is around 26%, while those with bad credit pay around 19%.
Why do those with average credit scores pay more? The reason is that most credit cards for bad credit are secured cards. Secured cards require a security deposit, and since they are easier to get than an unsecured card, they feature fixed rates to cover the entire score range that hold them.
Unsecured cards offer greater risk to lenders because there is no deposit requirement. Because of this, those with fair credit pay higher interest rates. Paying your statement balance in full each month negates this high rate, however. Plus, you’ll save money on the security deposit.
Credit Limits
Credit limits for average credit are lower than those for excellent credit. Individuals with excellent credit have an average new credit line of around $10,000, while those with good credit are about $6,000. Both of these credit scores are prime, or super-prime. There are no credit cards with a $10,000 limit guaranteed for fair credit.
People with subprime credit scores receive much lower credit limits, as their credit score makes them seem risky to lenders. The average new credit limit for a credit score in the 600s is around $2,750.
While it may be tough to get a fair credit score credit card with a high limit, improving your credit score with on-time payments, low credit utilization, and other good habits can lead to credit line increases over time.
Rewards
While not common, there are some quality rewards credit cards for people with a fair credit score. Two of the most popular rewards cards for average credit scores are the Discover It and the ABOC Platinum Rewards Mastercard. Both of these cards provide 5% cash back in a rotating selection of categories. Again, improving your credit score can open the way for better rewards card offers in the future.
The Best Credit Cards for Average Credit Scores
Credit cards for 600 credit scores don’t have to be “average.” Here are some of the top credit card offers for fair credit:
Merrick Bank Double Your Line® Mastercard®
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See If You Are Pre-Approved Within Minutes
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Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies
☆ 2X Your Limit with 7 On Time Payments
☆ No security deposit required
☆ 100% U.S.-based customer service
☆ FICO® Credit Score for free each month
Increase your credit limit in just seven months with the Merrick Bank Double Your Line® Mastercard®. The card offers the opportunity to automatically double your credit line with seven on-time payments after opening an account – for an annual fee as low as $0.
Sable Secured Mastercard®
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Earn up to 2% cash back on select purchases
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Earn 1% cash back on all other purchases
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No annual fee
☆ Perfect for New to Credit/Immigrants
☆ No Credit Check to Apply
☆ Build Credit & Earn Rewards
☆ Mobile Wallet Compatibility
The Sable Secured Mastercard Credit Card is a fintech secured card that helps build a positive credit history in the United States – without any hidden fees and with no credit checks. Sable’s digital-first platform is a great feature that provides an interface most young adults will be immensely familiar with and removes much of the strain and anxiety that opening a secured credit card (or even a bank account) in a branch can cause.
Upgrade Visa® Card with Cash Rewards
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Unlimited 1.5% cash abck on all purchases
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No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
The Upgrade Visa® Card with Cash Rewards offers no fees, low rates, cash back, and credit lines up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals of 2020 – or any list of the best credit cards in the U.S.
Revvi Card
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Simple and fast application process
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Monthly reporting to all 3 major credit bureaus
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$300 credit limit (subject to available credit)
☆ Quick Pre-Qualification
☆ Perfect for Building Credit
☆ Ideal for everyday purchases to help build credit
The Revvi Card is an unsecured Visa that provides a great platform for repairing credit – or building a positive history. The card provides an initial credit line of $300, the features of a full-fledged Visa (including acceptance by nearly all merchants in the United States), and an excellent platform for improving credit.