What are the best credit cards for a 600 credit score?

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

(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

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

Ongoing rewards: 1.5% cash back on all purchases

Minimum deposit: $200

Annual fee: $0

Credit requirement: None

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

(see Rates & Fees)

Ongoing rewards: None

Minimum deposit: $49, $99 or $200

Annual fee: $0

Credit requirement: None

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

1. 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.
2. 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.
3. 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.
4. 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.

I agree, secured cards are best for a 600 credit score. The Discover it® Secured Credit Card has a $0 annual fee and gives 1 - 2% cash back on purchases. It requires a $200 security deposit to open the account and set the credit limit. The Capital One Platinum Secured Credit Card also has a $0 annual fee. The required deposit is $49, $99 or $200, based on creditworthiness. But no matter what your deposit is, you’re always guaranteed at least a $200 credit limit.

Get the Fingerhut Credit Account if you're looking for an unsecured one (it has pretty harsh APRs, though). Try the Discover it® Secured Credit Card or the Capital One Platinum Secured Credit Card if you're looking for a well-balanced card and an issuer with a good reputation.