Best Credit Cards for a 660 Credit Score 2024 (2024)

FAQs

Best Credit Cards for a 660 Credit Score 2024? ›

To help you get started, the best credit card for a 650 credit score is the Citi Double Cash Card. With a $0 annual fee and a generous 2% cash back on purchases, it offers tangible benefits and reports to major credit bureaus monthly. This helps build your credit history if used responsibly.

To help you get started, the best credit card for a 650 credit score is the Citi Double Cash Card. With a $0 annual fee and a generous 2% cash back on purchases, it offers tangible benefits and reports to major credit bureaus monthly. This helps build your credit history if used responsibly.

Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.

Most Chase credit cards are intended for consumers with good to excellent credit scores (FICO® Score of 670 or higher). A score above 700 is even better and gives you a strong chance at approval.

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The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).

If you have an average credit score (around 650), you may have more options than someone with no credit history. You may be able to get approval for premium cards—which have additional perks and benefits—but these could come with a lower credit limit and higher interest rates.

You can borrow as much as $40,000 - $100,000+ with a 650 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

Can I get a Discover card with a 670 credit score? ›

FICO credit scores range from 300 to 850, with higher scores indicating greater creditworthiness. If you want the best shot of approval for the Discover it Cash back, you'll probably want a score of at least 670 or above.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express (see rates and fees) usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

According to VantageScore®, a fair score ranges between 601 and 660. Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard.

You can get a Discover credit card with any credit score or even no credit history at all. Discover has credit card options to fit every consumer. If you have bad credit or no credit history, you could get a secured card with Discover.

The Chase Sapphire Preferred® Card isn't a credit card for everyone — you'll need to have good to excellent credit to have a chance at getting approved. We recommend having a FICO score of at least 690 before applying for this card. If you need to wait a bit and work on your credit, it's a good idea to do that.

The Bottom Line

Though lenders will each have their own qualification requirements when it comes to credit scores, you could get approved for a line of credit if you have a score of 660. However, your chances of approval (and getting better interest rates) increase if your score is closer to 713 and above.

A credit score of 700 or better is typically needed for a card that offers a $5,000 credit limit. This means that these cards usually require you to have good or excellent credit. You will normally need a high income and little to no existing debt to get a limit that high, too.

What does an 660 credit score mean? As mentioned, credit scores within the 580-669 range are considered to be fair credit. While your credit score is below average, it isn't in the realm of “bad credit” and shouldn't necessarily prevent you from getting certain types of loans.