8 Best Credit Cards for 650 Credit Score (Average Credit)
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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 Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Blue Cash Everyday® Card from American Express
- Citi® Double Cash Card - 18 month BT offer
- Capital One QuicksilverOne Cash Rewards Credit Card
- Blue Cash Preferred® Card from American Express
- Capital One VentureOne Rewards Credit Card
- The Platinum Card® from American Express
- 4 Tips to Getting a Credit Card with a Score of 650 to 700
- FAQs
List of the Best Credit Cards with Average Credit
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card offers a simple cash back structure, paying 1.5% on every purchase. You’ll get a small welcome bonus, and 0% APR on purchases and balance transfers for the first 15 months. And there’s no annual fee. Approval-wise, there have been several approvals for credit scores around 650.Rewards:
Annual Fee: $0
Welcome Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% intro APR on purchases and balance transfers for the first 15 months.
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Denied | 06/30/2023 | Not Provided |
Read our Capital One Quicksilver Cash Rewards Credit Card Review
Capital One SavorOne Cash Rewards Credit Card
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% APR on purchases and balance transfers for 15 months. There have been a few approvals for credit scores in the high 500s, but of course, credit card companies base their approvals on many factors.Rewards:
Annual Fee: $0
Welcome Bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2023 | Experian | ||
Approved | 02/01/2023 | TransUnion | ||
Approved | 05/11/2023 | Not Provided | ||
Approved | 06/08/2023 | Not Provided | ||
Approved | 07/26/2023 | Experian | ||
Approved | 09/08/2023 | Experian | ||
Approved | 09/08/2023 | Equifax | ||
Approved | 08/22/2023 | Experian | ||
Approved | 08/22/2023 | Equifax | ||
Approved | 08/22/2023 | TransUnion | ||
Approved | 02/10/2023 | Not Provided | ||
Approved | 02/12/2023 | TransUnion |
Read our Capital One SavorOne Cash Rewards Credit Card Review
Blue Cash Everyday® Card from American Express
The card_name 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 for the first 15 months. And you get all of this for a $0 annual fee. Credit score-wise, we’ve seen approvals with a score as low as 658. Bear in mind that your experience may be different.Rewards:
Annual Fee: $0
Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Pre-approval: Find out if you’re approved with no impact on your credit score (if you’re approved and you accept a card, your credit score may be impacted)
0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months, then a rate of 19.24% - 29.99%.
*Terms Apply
Approval Odds*
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2023 | Experian | ||
Approved | 09/24/2023 | Experian | ||
Approved | 09/24/2023 | Equifax | ||
Approved | 09/24/2023 | TransUnion | ||
Approved | 05/21/2023 | Experian | ||
Approved | 07/20/2023 | Equifax | ||
Approved | 07/20/2023 | Experian | ||
Approved | 07/20/2023 | TransUnion | ||
Approved | 06/15/2023 | Not Provided |
Read our Blue Cash Everyday® Card from American Express Review
Citi® Double Cash Card - 18 month BT offer
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% on balance transfers for the first 18 months, and 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 690, so if you haven’t hit that 700 mark yet, this could be a good card to apply for.Rewards:
Annual Fee: $0
Welcome Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
0% Intro APR: Get 0% APR on balance transfers for the first 18 months.
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/20/2023 | Not Provided | ||
Approved | 07/11/2023 | Equifax | ||
Denied | 01/10/2023 | Equifax |
Read our Citi® Double Cash Card - 18 month BT offer Review
Capital One QuicksilverOne Cash Rewards Credit Card
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 30.74% APR, which means cardholders should pay the balance in full each month to avoid interest charges.You’ll also have access to CreditWise to keep tabs on your credit score.
Rewards:
Annual Fee: $39
Best For: Simple cash back rewards on all purchases
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/01/2023 | Not Provided |
Read our Capital One QuicksilverOne Cash Rewards Credit Card Review
Blue Cash Preferred® Card from American Express
The card_name is an excellent card for anyone, but particularly those with average credit. It offers excellent rewards of up to 6% cash back, a welcome bonus, and an introductory rate of 0% on purchases and balance transfers for the first 12 months. There is an annual fee, but it’s waived for the first year. Credit score-wise, we’ve seen approvals with a score as low as 673, although credit card companies take a lot of factors into consideration when granting credit, so your experience may vary.Rewards:
Annual Fee: $0 intro annual fee for the first year, then $95.
Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Pre-approval: Find out if you’re approved with no impact on your credit score
0% Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 19.24% - 29.99%.
*Terms Apply
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 01/19/2023 | Not Provided | ||
Approved | 05/04/2023 | Experian | ||
Approved | 05/04/2023 | TransUnion | ||
Approved | 05/04/2023 | Equifax |
Read our Blue Cash Preferred® Card from American Express Review
Capital One VentureOne Rewards Credit Card
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% APR on purchases and balance transfers for the first 15 months. 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.Rewards:
Annual Fee: $0
Welcome Bonus: 20,000 Miles once you spend $500 on purchases within 3 months from account opening
0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months.
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/28/2022 | Experian |
Read our Capital One VentureOne Rewards Credit Card Review
The Platinum Card® from American Express
card_name offers a generous welcome bonus and ongoing rewards. In addition to the 5x on flights and hotels you get, 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.Rewards:
Annual Fee: $695
Welcome Bonus: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
*Terms Apply
Approval Odds
Credit Score of Approved and Denied Applications
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/28/2023 | Equifax | ||
Approved | 04/28/2023 | TransUnion | ||
Approved | 04/28/2023 | Experian | ||
Approved | 08/16/2023 | Equifax | ||
Approved | 08/16/2023 | Experian | ||
Approved | 08/16/2023 | TransUnion | ||
Approved | 01/04/2023 | Not Provided | ||
Approved | 01/23/2023 | Not Provided |
Read our The Platinum Card® from American Express Review
4 Tips to Getting a Credit Card with a Score of 650 to 700
- 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.
- 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.
- 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.
- 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.