5 Best 600 Credit Score Credit Cards 

Jodie Price

By Jodie Price | Updated September 15, 2025

Having a 600 credit score can make finding the right credit card challenging, but several options are designed to help build credit while offering rewards. Many of these cards balance easier approval with perks like cash back or travel benefits. Choosing the right one can improve daily spending value and support steady credit growth without excessive fees or strict requirements.

  • Credit One Bank® Wander® American Express® With Dining, Gas & Travel Rewards

    The Credit One Bank® Wander® American Express® card is designed for people with fair credit. It offers rewards focused on dining, gas, and travel, making it useful for daily spending and trips.

    This card stands out because it combines modest approval requirements with rewards that are easy to use. It helps build credit while offering some cash back on common expenses.

    Earning Structure:

    • 10x points on eligible hotel and car rentals booked through the Credit One Bank travel partner
    • 5x points on eligible dining, gas, and travel purchases
    • 1x points on all other purchases

    Welcome Bonus:

    None offered.

    Card Details:

    • Annual fee: $95
    • Regular APR: 29.49% Variable
    • No foreign transaction fees
    • No limit on points earned
    • Points redeemable for statement credits, gift cards, travel, and more
    • Exclusive Amex card member discounts, complimentary upgrades, and other perks at Avis, Hertz, and SIXT

    Key Benefits:

    • Rewards on everyday expenses like food and gas
    • Helps build credit with responsible use
    • Accepted everywhere American Express is accepted
    • Travel perks included with no foreign fees

    Redemption Options:

    Cash back rewards can be redeemed as statement credits, gift cards, or used for travel purchases.

    Credit Requirements:

    Generally suited for applicants with fair to good credit (FICO score 580–669).

    Spending Limitations / Potential Drawbacks:

    High APR and no introductory low-rate period; booking directly with hotels or vacation rentals like Airbnb won’t earn the top rewards.

    Why it Works for Beginners:

    It offers credit-building tools and rewards without demanding a high credit score, making it practical for first-time card users.

  • Capital One QuicksilverOne Cash Rewards Credit Card

    The Capital One QuicksilverOne Cash Rewards Credit Card is designed for people with fair credit. It helps build credit while offering simple cash back rewards.

    This card gives a straightforward way to earn rewards without many categories or complicated rules. It can be a solid choice for steady, everyday spending.

    Earning Structure:

    • Unlimited 1.5% cash back on every purchase
    • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

    Welcome Bonus:

    None offered.

    Card Details:

    • Annual fee: $39
    • Regular APR: 29.74% Variable
    • No foreign transaction fees
    • Cash back does not expire for the life of the account
    • Automatic consideration for a credit line increase in as little as six months
    • Contactless payment enabled

    Key Benefits:

    • Simple flat-rate cash back
    • No reward expiration
    • Opportunity to improve credit score with responsible use
    • Access to fraud coverage

    Redemption Options:

    Cash back rewards can be redeemed for statement credits, checks, or gifts.

    Credit Requirements:

    Designed for applicants with fair, average, or limited credit.

    Spending Limitations / Potential Drawbacks:

    Has an annual fee and high APR. To maximize travel rewards, bookings must be made through Capital One Travel.

    Why it Works for Beginners:

    It offers easy cash back and credit-building tools, making it a practical option for people starting to improve their credit.

  • Bp Rewards Visa®

    The BP Rewards Visa® is a credit card designed for people with fair credit scores near 600. It focuses on offering rewards to those who regularly buy fuel and convenience store items at BP locations.

    This card works well for drivers who want to earn points on everyday purchases. The points can be used for discounts on fuel, which saves money over time.

    Earning Structure:

    • 30¢ off per gallon at BP and Amoco fuel purchases for the first 60 days
    • 15¢ off per gallon automatically on BP and Amoco fuel purchases
    • 5% cash back on non-fuel purchases at BP and Amoco stores (including convenience store and car wash purchases)
    • 3% cash back on grocery and dining purchases (including takeout and delivery)
    • 1% cash back on all other qualifying purchases

    Welcome Bonus:

    30¢ off per gallon at BP and Amoco stations for the first 60 days after account opening.

    Card Details:

    • Annual fee: $0
    • Regular APR: 32.99% Fixed
    • Foreign transaction fee applies
    • Cash back rewards and fuel discounts are brand-specific to BP and Amoco

    Key Benefits:

    • Redeem points for fuel discounts at BP locations
    • No annual fee keeps costs low
    • Access to BP discounts and offers
    • Mobile app for easy account management

    Redemption Options:

    Fuel discounts are applied automatically at the pump; cash back rewards can be applied toward eligible purchases.

    Credit Requirements:

    Best suited for those with fair to average credit (FICO score 580–669).

    Spending Limitations / Potential Drawbacks:

    High APR and limited brand acceptance; lacks broader cardholder protections found in other rewards cards.

    Why it Works for Beginners:

    It is straightforward with no annual fees and rewards tied to everyday BP spending, making it easy for new cardholders to manage and benefit.

  • Credit One Bank® Platinum X5 Visa Signature®

    The Credit One Bank® Platinum X5 Visa Signature® card is designed for people with fair credit. It helps users build credit while offering some rewards on everyday spending.

    This card has a simple structure and provides features like fraud protection and Visa Signature benefits. It works well for those starting to improve their credit score.

    Earning Structure:

    • 5% cash back on the first $5,000 annually in combined eligible purchases for gas, groceries, internet, cable, satellite TV, and mobile phone services (1% thereafter)
    • 1% cash back on all other purchases

    Welcome Bonus:

    There is no welcome bonus for this card.

    Card Details:

    • Annual fee: $95
    • Regular APR: 28.99% Variable
    • $0 Fraud Liability protection
    • Free online credit score and credit report summary
    • Option to choose your payment due date

    Key Benefits:

    • Cash back rewards on select purchases
    • Visa Signature benefits including travel and purchase protections
    • Free access to CreditWise® credit score monitoring
    • Fraud protection and zero liability on unauthorized charges

    Redemption Options:

    Cash back can be redeemed for statement credits toward your account balance.

    Credit Requirements:

    Best suited for those with fair to good credit (FICO score 580–669).

    Spending Limitations / Potential Drawbacks:

    Bonus categories are capped at $5,000 annually before reverting to 1%, and the $95 annual fee reduces net rewards value.

    Why it Works for Beginners:

    It helps build credit and offers cash back rewards without needing a security deposit.

  • Credit One Bank American Express® Card

    The Credit One Bank American Express® Card is designed for people with credit scores around 600. It helps users build credit while offering some rewards on everyday spending.

    This card works well for those who want access to an Amex network and some travel and dining benefits. It also accepts applicants with less-than-perfect credit histories.

    Earning Structure:

    • Unlimited 1% cash back on all purchases

    Welcome Bonus:

    None offered.

    Card Details:

    • Annual fee: $39
    • Regular APR: 29.49% Variable
    • $0 Fraud Liability protection
    • Retail Protection for eligible purchases
    • Amex Offers for shopping, dining, travel, and entertainment
    • Travel Accident Insurance included
    • Automatic credit line increase reviews
    • Free online credit score and credit report summary
    • Option to choose your payment due date

    Key Benefits:

    • Automatic credit line increase reviews
    • Fraud protection and zero liability for unauthorized charges
    • Free online credit score tracking

    Redemption Options:

    Cash back rewards are automatically applied as statement credits.

    Credit Requirements:

    Designed for those with fair to good credit (FICO score 580–669).

    Spending Limitations / Potential Drawbacks:

    Modest rewards rate and $39 annual fee reduce overall value; other cards in this range may offer richer benefits.

    Why it Works for Beginners:

    It helps build credit with responsible use and provides rewards to encourage everyday spending.

Frequently Asked Questions

What are the top unsecured credit cards available for a 600 to 650 credit score?

Unsecured cards for this range often provide moderate credit limits without requiring a deposit. Options like the Capital One QuicksilverOne Cash Rewards and Credit One Bank® Wander® American Express® offer rewards while helping build credit. These cards may have higher APRs, so paying balances in full is key to maximizing value.

Which department store credit cards are most likely to approve a 600 credit score?

Department store cards usually have easier approval standards, making them accessible for fair credit holders. While they may not offer the same versatility as general-use cards like the BP Rewards Visa®, they can provide discounts and store-specific perks. These cards are best used to complement, not replace, a broader rewards card.

What options are there for fair credit instant approval credit cards?

Some fair-credit cards, such as the Capital One QuicksilverOne Cash Rewards and Credit One Bank American Express® Card, offer quick approval decisions. These cards provide credit-building tools, straightforward rewards, and report to all three credit bureaus. Instant approval depends on the issuer’s review of income and credit profile.

What are the best no deposit credit cards for someone with a 600 credit score?

No-deposit cards like the Credit One Bank® Platinum X5 Visa Signature® and BP Rewards Visa® can work well for this range. They offer rewards without requiring a security deposit, making them convenient for building credit. Keep in mind they may come with higher interest rates than secured cards.

Can I get approved for a decent credit card with a 600 credit score?

Yes, cards like the Credit One Bank® Wander® American Express® and Capital One QuicksilverOne Cash Rewards are designed for fair credit applicants. Approval still depends on income, debt, and recent credit history. Responsible use can lead to higher limits and access to premium cards over time.