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If your credit score reaches 600, it means your credit Your building journey is on the right track. A 600 on the FICO scale means that your credit is in the right range, and if you keep up the good work, you can reach the good range quickly. The higher your score, the easier it is to access the best credit cards. But even if you're not in the upper tiers yet, there are plenty of competitive options to help you continue your credit-building efforts.

Credit Cards with a 600 Credit Score

Cash Rewards Visa® Upgrade: Moderate to Good (580–740 )

Upgrade Cash Rewards Visa® offers reward incentives for the most important factor in building your credit score: your payment history. Get unlimited 1.5% cash back on your purchases only when you pay with your card. Combining cashback rewards with your payment history is a great way to keep your score trending upwards, as long as you keep up with regular payments and other important credit habits like low credit utilization.

This card's ongoing APR is based on creditworthiness, so it can range from 14.99% to 29.99% APR, low or high. A higher APR means you will earn more interest if you maintain a monthly balance. Having a score in the reasonable range can put you in the middle of a pack of ongoing APRs on this card, so avoid carrying around a balance to skip the additional interest altogether.

Capital One QuicksilverOne Cash Rewards Credit Card: Fair to Good (580-740)

Better scores access better cards with more competitive reward rates, like Capital One QuicksilverOne You will be able to Get unlimited 1.5 percent cash back on all purchases with this card, plus a favorable 5 percent cash back rate on hotels and car rentals booked through Capital One Travel (conditions apply) increase).

There is a small catch. The card requires you to pay an annual fee of $39 and has a steep recurring APR of 29.74%. However, this annual fee is one of the lowest and if you pay your balance in full each month, ongoing APR is not important. there is no.

Mission Lane Cash Back Visa Credit Card: Fair to Good (580-740)

The Mission Lane Cashback Visa® credit cards represent the difference between a bad credit score and a fair credit score, with the perks of each card. The Mission Lane Cash Back Visa is a step up from its sister card, the Mission Lane Visa® credit card, offering cash back. There is no annual fee to pay and no security deposit required. Earn at least 1% unlimited cash back on your purchases, with the opportunity to earn up to 1.5% cash back, depending on individual program terms.

One of the card's major drawbacks is that the official reward rate, which varies based on the program terms assigned after application, is unknown until the card is approved. Your starting credit limit is fairly low at $300, but you can increase this limit by making 6 on-time payments. As usual for cards with low credit scores, ongoing APRs are high, varying from 26.99% to 29.99%, so don't carry around a monthly balance.

Capital One Platinum Credit Card: Fair to Good (580-740)

The Capital One Platinum Credit Card is virtually the same as the Capital One Platinum Secured Credit Card. The main difference is credit score recommendations and security deposit requirements for approval. The Capital One Platinum Card does not require a security deposit and is another example of the benefits of a higher credit score. This means less additional cost.

While this card doesn't have a reward structure yet, this will likely give you an advantage when focusing on ongoing credit building. Your credit limit may be increased after 6 months. The CreditWise app is a handy tool that helps you track your score progress.

Citi Secured Mastercard: No Credit History

Another card that focuses on building credit is the Citi® Secured Mastercard®. No rewards can be earned with this card and a security deposit is required as security is in place. This card is perfect for someone whose score is on the lower side of the fair credit score range and may not get a better ongoing APR for him with other credit cards with fair credit. It has no annual fee and his ongoing APR is variable at 26.74%, in the middle range for these types of credit cards.

Although these terms for upgrades are not specified, you can get your deposit refunded after 18 months using this card, and there is also the possibility of upgrades from Citi. As a benefit to keep, you can access City Entertainment, which offers exclusive benefits on travel, dining and entertainment events.

How to choose a credit card with fair credit

  • Building creditKeep looking for cards that incentivize you to keep up with your credit-building habits. Many cards offer online banking apps and other tools. These tools also help you track your efforts.
  • See where you can cut costs. As your score increases, the cost of maintaining your available credit cards will begin to decrease. Start looking for a card with no annual fee or security deposit. If you know you tend to keep a balance, look for a card with a low current APR.
  • Start shopping for more value.Some card options may include perks, so dig into your spending habits and Determine which type of perk best suits your financial needs. For example, if you spend a wide range of categories, you can opt for a flat-rate cash back card that covers all your purchases. If you spend a lot on certain categories like food and travel, start looking for tiered loyalty cards that significantly compensate for those purchases.

How to move from fair credit to good credit

  • Look for pre-qualified offers. One way to get a better idea of ​​what cards are likely to be accepted is to use an online tool like CardMatch™ to determine your options without forcing your credit.
  • Don't open it. Too many new accounts at once. Opening too many accounts will have a negative impact on your credit. This is something you want to avoid. Learn the importance of waiting to open a new credit account and how credit checks affect your overall score.
  • Don't close old credit cards too soon. Credit history is another major factor in your credit score, and the longer it is, the better. Even if you no longer use your starter credit card, keeping it open can significantly extend your credit history and improve your score over time.
  • Keep paying in full on time
  • Strong>. This credit habit is arguably the most important for maintaining and building a credit score. As long as you consistently pay on time, you can maintain or improve your score.

  • Follow the golden rules of credit usage. Keeping your credit utilization below 30% lets credit providers know you're handling credit well, and can improve your score over time.

Maximize Credit Card Rewards

As your score improves, you will have access to more credit cards that offer rewards. Learning how to get the most out of your credit card perks is a great way to double his returns on your credit building efforts.

  • First, take a closer look at your spending habits to determine which purchases you most use your credit card for. Spending is often the best choice for reward cards in the fixed and bonus category, and knowing how to spend is a big factor in determining which ones are the most valuable.
  • In addition to increasing your credit score, paying your balance in full will help you avoid interest charges that can affect your reward earnings. Keeping your credit usage low makes it easier to pay off your balance quickly.
  • If your card issuer has a rewards portal, be sure to use it. Portals can help you earn higher reward rates on certain purchases and significantly increase redemption value.


Fair Reaching a decent credit range gives you more breathing room and the potential to earn rewards when it comes to letting go of extra charges. Don't let these extra liberties distract you from your goals.Keep paying your balance on time whenever possible to avoid additional interest that could reduce your new reward income. Use the money you save for security deposits as a way to keep your credit utilization below 30%. Keeping up with responsible credit habits will get you the most lucrative credit card in no time.