Average Credit credit cards

8 Best Credit Cards for 650 Credit Score (Average Credit)

ByRob Berger

Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.

The average credit score varies from year to year. In the most recent data released by FICO, the average score was 714. That’s high based on historical standards, as the average score typically falls in a range of 650-699. Finding the best credit card for 650 credit score and above can be tricky.

A score in the high 600s is good enough to avoid bad credit credit cards. At the same time, it’s not quite high enough for the best credit cards.

The following cards are designed for individuals with credit scores in the 650, 660, 670, 680, or 690 ranges. For FICO scores in this range, these cards offer a good chance of approval, report payments to all three major credit bureaus, offer reasonable terms, and can help improve your credit score.

List of the Best Credit Cards with Average Credit

Capital One Quicksilver Cash Rewards for Good Credit 

Capital One Quicksilver Rewards for Good credit
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Our Rating: 4.4

★★★★★☆

Capital One Quicksilver Cash Rewards for Good Credit

Welcome Offer (Terms Apply)

Earn unlimited 1.5% cash back

Est. Value

None

Annual Fee

$0

APR

29.99% Variable

Credit Req’d

Good

Rewards: Earn unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.

The Capital One Quicksilver Cash Rewards for Good Credit offers a simple cash back structure, paying 1.5% on every purchase and there’s no annual fee. Approval-wise, there have been several approvals for credit scores around 650.

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day
5% cash back
Travel
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Pros

  • No annual fee
  • No foreign transaction fee
  • 1.5% cash back on all purchases

Cons

  • No welcome bonus
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved06/19/2023
657
TransUnion
$3,000
Approved06/19/2023
672
Experian
$3,000
Approved06/19/2023
695
Equifax
$3,000

Capital One SavorOne Cash Rewards Credit Card

SavorOne Student
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Our Rating: 4.5

★★★★★☆

Capital One SavorOne Cash Rewards Credit Card

Welcome Offer (Terms Apply)

$200 Cash Back

Est. Value

$200

Annual Fee

$0

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 10% cash back on Uber & Uber Eats. 8% cash back on Capital One Entertainment. 5% cash back on hotels and rental cars booked through Capital One Travel. 3% cash back on dining, entertainment, popular streaming services, and grocery stores excluding superstores. Earn 1% cash back on other purchases.

The Capital One SavorOne Cash Rewards Credit Card is a great card for the food-obsessed. You get unlimited 3% cash back on dining and grocery stores, plus 3% cash back on entertainment and select streaming services, plus 1% on all other purchases. You also get 10% cash back on Uber and Uber Eats. You get a welcome bonus, and 0% intro APR on purchases and balance transfers for 15 months, then 19.99% - 29.99% variable APR. There have been several approvals for credit scores in the 600s, but of course, credit card companies base their approvals on many factors.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 10% cash back

Cons

  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved07/26/2023
775
Experian
$3,000
Approved09/08/2023
659
Experian
$2,000
Approved09/08/2023
670
Equifax
$2,000
Approved08/22/2023
610
Experian
$3,000
Approved08/22/2023
619
Equifax
$3,000
Approved08/22/2023
697
TransUnion
$3,000
Approved02/10/2023
660
Not Provided
$500
Approved02/12/2023
657
TransUnion
$1,000

Blue Cash Everyday® Card from American Express

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Our Rating: 4.4

★★★★★☆

Blue Cash Everyday® Card from American Express

Welcome Offer (Terms Apply)

Earn a $200 statement credit

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year for each category, then 1%). 1% cash back on other purchases.

The Blue Cash Everyday® Card from American Express is a great card for those with average credit. You get 3% cash back on gas, groceries, and online retail purchases (subject to a cap). You also get a small welcome bonus and an introductory rate of 0% APR on purchases and balance transfers for the first 15 months, then 19.24% - 29.99% variable APR. And you get all of this for a $0 annual fee. Credit score-wise, we’ve seen approvals with a score as low as 665. Bear in mind that your experience may be different.

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases.
3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Pros

  • Welcome offer
  • Up to 3% cash back
  • $0 annual fee

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
727
Experian
$2,000
Approved09/24/2023
730
Experian
$2,000
Approved09/24/2023
735
Equifax
$2,000
Approved09/24/2023
790
TransUnion
$2,000
Approved05/21/2023
665
Experian
$5,000
Approved07/20/2023
770
Equifax
$6,000
Approved07/20/2023
772
Experian
$6,000
Approved07/20/2023
780
TransUnion
$6,000
Approved06/15/2023
730
Not Provided
$10,000

Citi® Double Cash Card - 18 month BT offer 

Citi Double Cash
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Our Rating: 4.9

★★★★★☆

Citi® Double Cash Card – 18 month BT offer

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card – 18 month BT offer is a great card whether you have average credit or even excellent credit. You get 0% intro APR on balance transfers for the first 18 months, then 19.24% - 29.24% variable APR. Plus, there’s no annual fee. You get 1% cash back with every purchase and another 1% cash back when you pay the bill. There have been approvals for credit scores of 667, so if you haven’t hit that 700 mark yet, this could be a good card to apply for.

2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

  • No annual fee
  • Up to 2% cash back

Cons

  • No welcome bonus
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved06/20/2023
803
Not Provided
---
Approved07/11/2023
667
Equifax
$3,000
Denied01/10/2023
737
Equifax
---

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne
Learn More

Our Rating: 4.4

★★★★★☆

Capital One QuicksilverOne Cash Rewards Credit Card

Welcome Offer (Terms Apply)

Earn unlimited 1.5% cash back

Est. Value

None

Annual Fee

$39

APR

29.99% Variable

Credit Req’d

Average, Fair, Limited

Rewards: Earn unlimited 1.5% cash back on every purchase.

The Capital One QuicksilverOne Cash Rewards Credit Card is an attractive choice for those seeking rewards. It carries an annual fee of $39 but offers a generous 1.5% cash back on all your purchases, without any cap on the earnings. The interest rate is still pretty high at 29.99% APR, which means cardholders should pay the balance in full each month to avoid interest charges.

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day

Pros

  • No foreign transaction fee
  • helps build credit

Cons

  • Annual fee
  • No welcome bonus
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved06/01/2023
621
Not Provided
$2,000

Capital One VentureOne Rewards Credit Card 

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Our Rating: 4.4

★★★★★☆

Capital One VentureOne Rewards Credit Card

Welcome Offer (Terms Apply)

20,000 Miles

Est. Value

Up to $350

Annual Fee

$0

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel and 1.25x miles on other purchases.

The Capital One VentureOne Rewards Credit Card is a travel rewards card that offers 5x miles for travel booked through Capital One and 1.25x miles on all other purchases. There’s a small welcome bonus, and 0% intro APR on purchases and balance transfers for the first 15 months, then 19.99% - 29.99% variable APR. And Capital One miles can be transferred to Capital One’s travel partners for potentially even more value. The best travel rewards card requires excellent credit, but this is a good place to start until you reach that milestone.

1.25x miles
All eligible purchases
1.25 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels booked through Capital One Travel
5x miles
Rental Cars
5 Miles per dollar on rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5x points

Cons

  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved07/28/2022
640
Experian
$2,000

The Platinum Card® from American Express

Amex Platinum Card
Learn More

Our Rating: 4.5

★★★★★☆

The Platinum Card® from American Express

Welcome Offer

Earn 80,000 Membership Rewards® Points

Est. Value

Up to $1,600

Annual Fee

$695

APR

See Pay Over Time APR Variable

Credit Req’d

Good, Excellent

Rewards: When booking travel directly with American Express, cardholders will earn 5x membership reward points for every dollar spent.

The Platinum Card® from American Express offers a generous welcome bonus and ongoing rewards. In addition to the 5x points on flights and hotels, you also get a $200 hotel credit, a $240 credit on select streaming, a $200 airline credit, and a $155 Walmart credit. You have to make sure this card makes sense for you, though, because the annual fee is a whopping $695. You also get access to Centurion Lounges, which are the gold standard for airport lounges, and access to 1300+ other airport lounges.

1x points
On all other eligible purchases
1x on other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com

Pros

  • Welcome offer
  • No foreign transaction fee
  • Excellent annual credits
  • Lounge access
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved01/04/2023
696
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000

4 Tips to Getting a Credit Card with a Score of 650 to 700

  1. Know your credit score. Even a few points can make a difference between qualifying for a credit card or not, or perhaps getting a better card. There are plenty of ways to see your score for free.
  2. Watch the fees. Some credit cards designed for fair credit charge exorbitant fees. Many of the cards in our list charge no annual fee, and the others offer a reasonable fee. As you compare cards, make sure you understand how the fees work.
  3. Expect lower credit limits. While the credit limit will vary from one card to the next and one applicant to the next, expect credit limits in the hundreds of dollars, not thousands of dollars. There will be some exceptions, of course, but don’t count on it.
  4. Always pay the card on time. These cards can help improve your credit score, but only if you pay the credit card bill on time, every time. Late payments are the most significant factor in the FICO score, and they can hurt your score considerably, even with just one late payment.

FAQs

What is a fair to average credit score?

Fair credit scores range from about 580 to 669. An average credit score varies from year to year but usually settles in the 670 to 699 range.

What’s the best credit card with a score of 650 to 700?

While the best card will vary from one person to the next, the Citi® Double Cash Card - 18 month BT offer is arguably the best option. It doesn’t charge an annual fee and offers up to 2% cash back on all your purchases.

Can I get a fair credit credit card if I’ve defaulted on a loan?

Yes, depending on how long ago the default was, your credit score, and other underwriting factors. Capital One specifically defines “fair credit” as including those who have defaulted on a loan in the past 5 years.

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.