6 Best Cards You Can Get with a 600 Credit Score

Jodie Price

By Jodie Price | Updated September 15, 2025

A credit score of 600 may limit access to top-tier cards, but several solid options remain available. The best credit cards for this range focus on building credit while offering perks like rewards or low fees. This guide simplifies the choices by highlighting approval potential and key benefits for each card.

  • Capital One Quicksilver Secured Cash Rewards Credit Card

    This card is designed for people with poor or limited credit who want to build or rebuild their credit history. It requires a security deposit, which sets the credit limit and reduces the risk for the issuer.

    The card offers straightforward cash back rewards and no annual fees. It gives cardholders a chance to earn on everyday purchases while improving their credit score with responsible use.

    Earning Structure:

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

    Welcome Bonus:

    This card does not currently offer a welcome bonus.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: None
    • APR: 29.74% Variable
    • Requires a refundable $200 minimum security deposit to open
    • May qualify for a credit line increase in as little as 6 months
    • Eligible to earn back the deposit as a statement credit with responsible use
    • Includes $0 Fraud Liability and access to CreditWise credit monitoring

    Key Benefits:

    • Simple and flat cash back rate
    • Helps build credit with on-time payments
    • No fees beyond the deposit
    • Easy-to-use online account management

    Redemption Options:

    Cash back can be redeemed for statement credits or other eligible redemption methods through Capital One.

    Credit Requirements:

    Designed for people with poor to fair credit, typically a score between 300–629.

    Spending Limitations / Potential Drawbacks:

    Requires a minimum $200 deposit to open, and the maximum credit limit may be capped based on your creditworthiness.

    Why it Works for Beginners:

    It offers a clear way to build credit while earning cash back, with no annual fee and simple rewards.

  • Discover it® Secured Credit Card

    The Discover it® Secured Credit Card is designed for people rebuilding or building credit. It requires a cash security deposit that acts as the credit limit.

    This card helps users develop a positive credit history with responsible use. It offers rewards similar to many unsecured cards, which is rare for secured cards.

    Earning Structure:

    • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
    • 1% cash back on all other purchases

    Welcome Bonus:

    Discover will match all the cash back earned at the end of the first year for new cardholders.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: None
    • APR: 27.24% Variable
    • Requires a refundable security deposit starting at $200
    • Automatic reviews after 7 months for possible upgrade to unsecured status
    • Free Dark Web monitoring for your Social Security number

    Key Benefits:

    • Ability to build or rebuild credit
    • Cashback rewards on everyday purchases
    • No foreign transaction fees
    • Access to FICO® Credit Score for free

    Redemption Options:

    Cashback rewards can be redeemed as a statement credit, direct deposit, or gift cards.

    Credit Requirements:

    Suitable for applicants with poor credit or no credit history, including scores around 600 or below.

    Spending Limitations / Potential Drawbacks:

    Requires a minimum $200 deposit, and the $1,000 quarterly cap on bonus categories may limit earning for higher spenders.

    Why it Works for Beginners:

    It offers rewards and credit-building tools while requiring a deposit to reduce risk for users with limited credit history.

  • OpenSky® Plus Secured Visa® Credit Card

    The OpenSky® Plus Secured Visa® Credit Card is designed for people with a credit score around 600. It helps users build or rebuild credit without requiring a bank account or a credit check.

    This card requires a refundable security deposit that sets the credit limit. It reports to all three major credit bureaus to support credit building.

    Earning Structure:

    • Earn up to 10% cash back on everyday purchases

    Welcome Bonus:

    No welcome bonus is offered with this card.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified
    • APR: 28.99% Variable
    • No credit check required to apply
    • Refundable deposit starting at $300, with layaway option over 60 days
    • Reports to all three major credit bureaus
    • Works with Apple Pay, Google Pay, and Samsung Pay

    Key Benefits:

    • Helps build credit for those with poor or no credit history
    • No bank account needed to apply
    • Simple approval process
    • Transparent terms

    Redemption Options:

    Cash back redemption methods are not detailed, but earnings apply toward everyday purchases.

    Credit Requirements:

    Available to applicants across all credit ranges, including those with poor or no credit.

    Spending Limitations / Potential Drawbacks:

    Requires a higher-than-average minimum deposit and offers limited upgrade potential; high APR makes carrying a balance costly.

    Why it Works for Beginners:

    It offers a straightforward way to build credit with no credit check and easy approval.

  • Chime Secured Credit Builder Visa® Credit Card

    The Chime Secured Credit Builder Visa® Credit Card is designed to help people build or rebuild credit. It works differently from regular credit cards by requiring a security deposit that sets the spending limit.

    This card does not require a minimum deposit, making it accessible for users with lower credit scores. Users can manage their spending and payments easily through a mobile app.

    Earning Structure:

    • No cashback or points rewards are offered
    • Focus is on credit building rather than earnings

    Welcome Bonus:

    There is no welcome bonus with this card.

    Card Details:

    • Annual fee: $0
    • Foreign transaction fees: Not specified
    • APR: None (no interest charges)
    • No credit check required
    • No minimum deposit required—credit limit based on funds in your secured account
    • Must be a Chime® banking customer to apply
    • Reports to TransUnion®, Experian®, and Equifax®

    Key Benefits:

    • Helps build credit with on-time payments
    • No minimum deposit needed
    • No hidden fees or interest charges
    • Easy-to-use mobile app for account management

    Redemption Options:

    Not applicable, as this card is designed for credit building, not rewards.

    Credit Requirements:

    Suitable for users with poor to fair credit or no credit history, typically with scores from 300–669.

    Spending Limitations / Potential Drawbacks:

    Spending is limited to the amount moved into the secured account, and access requires a Chime banking relationship.

    Why it Works for Beginners:

    It provides a simple way to build credit without debt risk and no credit check for approval.

  • The Secured Self Visa® Credit Card

    The Secured Self Visa® Credit Card provides a unique path to credit building by requiring users to first open a Credit Builder Account. This approach allows cardholders to build savings and credit simultaneously, without an upfront deposit or credit check.

    It’s especially useful for those starting with limited funds, as the deposit is gradually built through monthly installments. Once eligible, users can access a secured credit line with minimal risk.

    Earning Structure:

    • No rewards or cash back; focus is on credit building

    Welcome Bonus:

    There is typically no welcome bonus with this card.

    Card Details:

    • Annual fee: $0 for the first year, then $25
    • Foreign transaction fees: Not specified
    • APR: 28.24% Variable
    • No hard credit check required
    • Minimum deposit of $100, funded via Self Credit Builder Account
    • Eligibility based on income, expenses, and account setup
    • Issued by Lead Bank or First Century Bank, N.A.

    Key Benefits:

    • Builds credit without needing a security deposit
    • Helps users establish or improve credit scores
    • Widely accepted as a Visa card
    • Credit line can grow over time based on use

    Redemption Options:

    Not applicable, as this card does not offer rewards or cashback.

    Credit Requirements:

    Designed for people with poor credit or no history, generally those with scores around 300–607.

    Spending Limitations / Potential Drawbacks:

    Requires a multi-step process involving account setup, loan payments, and savings before card use; annual fee applies after year one.

    Why it Works for Beginners:

    It lets people start building credit without needing money upfront for a deposit, making it easier to get approved.

  • Grow Credit Mastercard

    The Grow Credit Mastercard helps people build credit without needing a security deposit. It reports monthly payments to credit bureaus, which can improve credit history over time.

    This card does not require a hard credit check to apply, making it easier for those with a 600 credit score to get approved. It is designed to support responsible credit building through small, regular payments.

    Earning Structure:

    • No traditional points or cashback rewards
    • Focuses on credit-building rather than earning rewards

    Welcome Bonus:

    There is no welcome bonus offered with this card.

    Card Details:

    • Annual fee: $0 (free plan available); paid plans range up to $9.99/month
    • Foreign transaction fees: Not applicable
    • APR: None (no interest charged)
    • Requires a connected bank account to apply
    • Reports to all three major credit bureaus
    • Usable only for subscription payments (e.g., Netflix, Spotify, wireless bills)
    • Currently not accepting new applications

    Key Benefits:

    • Builds credit by reporting monthly payments
    • Easy approval with lower credit scores
    • No deposit means less upfront money needed

    Redemption Options:

    This card is not designed for rewards redemption; its main purpose is to help users improve their credit.

    Credit Requirements:

    Open to all credit ranges, including poor or no credit history; approval is not based on a credit score.

    Spending Limitations / Potential Drawbacks:

    Usable only for qualifying subscriptions; higher monthly limits require paid plans and may involve a deposit.

    Why it Works for Beginners:

    It allows users to build credit safely without a deposit or a hard pull on credit reports, which is ideal for those new to credit or looking to rebuild.

Frequently Asked Questions

What are the best unsecured credit cards available for a credit score around 600?

Unsecured credit cards for a 600 score often come with lower limits and higher interest rates but don’t require a deposit. The Secured Self Visa® Credit Card is a notable option that doesn’t require an upfront deposit and offers a gradual path to access. While technically secured, it functions much like an unsecured card once the Credit Builder process is complete.

Are there instant approval credit cards for a fair credit score?

Some credit cards offer near-instant decisions for fair credit scores, though final approval may require further review. Cards like the OpenSky® Plus Secured Visa® offer fast application processes without credit checks. Approval is generally quick and accessible for those around the 600 score range.

Is it possible to get a credit card with a $1,000 limit for someone with bad credit?

It is possible but not typical to start with a $1,000 limit when you have bad credit. Cards like the Capital One Quicksilver Secured may offer increases over time based on responsible use. Most users start with lower limits tied to their deposit or plan level.

What options are there for credit cards with no deposit required for a 600 credit score?

The Grow Credit Mastercard and Secured Self Visa® provide credit-building opportunities without requiring a deposit upfront. These cards instead rely on subscription payments or a credit-building account. They’re ideal for users who can’t afford a traditional security deposit.

How to increase chances of approval for a credit card with a credit score of 630?

To boost approval odds, pay down existing debts, correct errors in your credit report, and apply for cards suited to your score. Cards like the Discover it® Secured or Chime Credit Builder Visa® are designed for easier approval. On-time payments and low utilization will help improve your standing over time.