One of the best credit cards for a 600 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card comes with generous rewards, offering 1.5 - 5% cash back on purchases, and it also has a $0 annual fee.
Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are usually much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.
6 Best Credit Cards for a 600 Credit Score
- Capital One Quicksilver Secured Cash Rewards Credit Card
- Bank of America® Customized Cash Rewards Secured Credit Card
- Bank of America® Unlimited Cash Rewards Secured Credit Card
- Credit One Bank® Platinum Visa® for Rebuilding Credit
- Capital One Platinum Secured Credit Card
- OpenSky® Plus Secured Visa® Credit Card
Cash Back & No Annual Fee:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
(see Rates & Fees)
Ongoing rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Minimum deposit: $200
Annual fee: $0
Credit requirement: None
- High Rewards Rate:Bank of America® Customized Cash Rewards Secured Credit CardBank of America® Customized Cash Rewards Secured Credit CardLearn MoreLearn More
Ongoing rewards: 3% cash back in a category of your choice, 2% back at grocery stores and wholesale clubs (up to $2,500 spent quarterly in the 3% and 2% categories combined), and 1% back on all other purchases
Minimum deposit: $200
Annual fee: $0
Credit requirement: None
- Low Regular APR:Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
Ongoing rewards: 1.5% cash back on all purchases
Minimum deposit: $200
Annual fee: $0
Credit requirement: None
- No Deposit:Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Ongoing rewards: 1% cash back on gas and grocery purchases, as well as 1% back on mobile phone, internet, cable and satellite TV services
Minimum deposit: None
Annual fee: $75 intro 1st yr, $99 after
Credit requirement: None
- Build Credit:Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
(see Rates & Fees)
Ongoing rewards: None
Minimum deposit: $49, $99 or $200
Annual fee: $0
Credit requirement: None
- No Credit Check:OpenSky® Plus Secured Visa® Credit CardOpenSky® Plus Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
Ongoing rewards: up to 10% cash back on purchases made with your OpenSky card at 40,000+ retailers
Minimum deposit: $300
Annual fee: $0
Credit requirement: None
For more options, check out WalletHub’s complete list of the best credit cards for bad credit (639 credit score and below).
It’s worth noting that all major credit cards for people with bad credit will report account information to the credit bureaus each month. So, if you use your credit card responsibly, it will allow you to improve your credit score and eventually qualify for some of the best credit cards on the market.
How to Improve Your Credit Score With a Credit Card
- Always pay on time: A good payment history is essential for improving your credit. In order to never miss a due date, you can set up automatic monthly bill payments from a bank account.
- Pay in full whenever possible: Paying the minimum amount required by your credit card will keep your account in good standing, but you will have to pay interest. If you pay your full balance by the due date every month, you can avoid interest charges.
- Keep your credit utilization low: Using more than 30% of your credit limit might damage your credit score. Credit utilization of 1% - 10% is best for your credit score.
- Check your credit score regularly: You can use WalletHub to check your credit score for free and ensure you’re staying on the right path. Additionally, with WalletHub’s free credit monitoring tool, you can catch errors or possible signs of fraud on your credit report as they occur. This will help you dispute issues promptly and protect your credit score.
To learn more, you can read WalletHub’s guide on how to rebuild credit. You can also get personalized tips on how to build credit with WalletHub’s free credit analysis.
This answer was first published on 05/21/19 and it was last updated on 03/27/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
