Best Credit Cards for a 600 Credit Score of December 2025
Updated: Dec 8, 2025
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A credit score of 600 is generally defined as bad credit — although it's not that far from the next level up, "fair" credit. If you have a 600 credit score, you're unlikely to get approved for top-tier credit cards, but that doesn't mean you have no options. Multiple issuers, including some of the bigger names in the industry, make cards available to people with a credit score in the 600 range.
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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A credit score of 600 is generally defined as bad credit — although it's not that far from the next level up, "fair" credit. If you have a 600 credit score, you're unlikely to get approved for top-tier credit cards, but that doesn't mean you have no options. Multiple issuers, including some of the bigger names in the industry, make cards available to people with a credit score in the 600 range.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
A credit score of 600 is generally defined as bad credit — although it's not that far from the next level up, "fair" credit. If you have a 600 credit score, you're unlikely to get approved for top-tier credit cards, but that doesn't mean you have no options. Multiple issuers, including some of the bigger names in the industry, make cards available to people with a credit score in the 600 range.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
A credit score of 600 is generally defined as bad credit — although it's not that far from the next level up, "fair" credit. If you have a 600 credit score, you're unlikely to get approved for top-tier credit cards, but that doesn't mean you have no options. Multiple issuers, including some of the bigger names in the industry, make cards available to people with a credit score in the 600 range.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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NerdWallet's Best Credit Cards for a 600 Credit Score of December 2025
Discover it® Secured Credit Card: Best for Rewards, bonus offer & upgrading
Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Rewards and upgrading
Chime Card™: Best for No credit check + easy account management
opensky® Plus Secured Visa® Credit Card: Best for No credit check or bank account
The secured Self Visa® Credit Card: Best for No upfront deposit or hard credit check
Grow Credit Mastercard: Best for Building credit with subscriptions
Best Credit Cards for a 600 Credit Score
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
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FULL LIST OF EDITORIAL PICKS: BEST CREDIT CARDS FOR A 600 CREDIT SCORE
Confirm details on issuer's website before applying.
Discover it® Secured Credit Card
Our pick for: Rewards, bonus offer & upgrading
Like other secured credit cards for people building or rebuilding credit, the Discover it® Secured Credit Card requires a cash security deposit. Unlike most others, it offers rewards. But what really makes it stand out from the competition is its upgrade possibilities. The issuer has a process in place for automatically reviewing accounts for possible transition to an unsecured card. Read our review.
Capital One Quicksilver Secured Cash Rewards Credit Card
Our pick for: Rewards and upgrading
The Capital One Quicksilver Secured Cash Rewards Credit Card offers an impressive combination of features for those with poor credit. A deposit is required, but in exchange you get a $0-annual-fee card that reports to all three credit bureaus (see rates and fees); an automatic credit limit review after six months; and a possible upgrade path to an unsecured Capital One card. Oh, and 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel, plus 1.5% back on all other purchases, which equals what you'd find on many unsecured cards. Read our review.
Chime Card™
Our pick for: No credit check + easy account management
This card has no minimum deposit requirement, charges neither an annual fee nor interest, and doesn't require a credit check, and you can automate your payments so you're never late. But to get it, you must be a Chime® banking customer, which is an extra hoop to jump through — and which comes with its own considerations when it comes to customer service. Read our review.
See more from Chime®
Chime says the following:
The Chime Card™ is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder, an earlier version of the Chime Card™, between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. A credit score improvement is not guaranteed. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Activity on other credit accounts may also impact your score.
On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Money added to the Chime Card™ will be held in a secured deposit account as collateral for your Chime Card™, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
Out-of-network ATM withdrawal and over the counter advance fees may apply.
SpotMe® on the card is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card™. To qualify for the SpotMe service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical secured Chime Card™ or Chime Visa® Debit Card. Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe won’t cover non-card transactions. SpotMe Terms and Conditions.
With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.
opensky® Plus Secured Visa® Credit Card
Our pick for: No credit check or bank account
Like the regular opensky card, the opensky® Plus Secured Visa® Credit Card doesn't require a credit check or a bank account. This card, however, charges an annual fee of $0 — at the cost of a higher minimum deposit and a higher interest rate. Read our review.
The secured Self Visa® Credit Card
Our pick for: No upfront deposit or hard credit check
The secured Self Visa® Credit Card offers a unique path to building credit. Unlike typical secured cards, it doesn't require an upfront security deposit or a hard credit check. But it does make you jump through some hoops that other secured cards don't. You start by making payments on a secured loan, which become savings that you can use for your deposit. It's complicated, but for those struggling to establish a credit history, it can be efficient and effective. Read our review.
Grow Credit Mastercard
Our pick for: Building credit with subscriptions
The Grow Credit Mastercard doesn’t require a security deposit or a hard credit check. It allows you to establish a credit history by paying for qualifying subscriptions like Netflix or Spotify, and it doesn’t charge any interest because you can't carry a balance on the card. You will owe a membership fee, however. Read our review.
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UNSECURED CARDS FOR BAD CREDIT
Although there are some exceptions, such as the Mission Lane Visa® Credit Card, unsecured credit cards marketed to people with credit scores of 600 or lower generally charge high fees and high interest while offering low credit limits. The main advantages to such cards are that approval is usually pretty easy and that you don't have to provide an upfront security deposit. But the fees you're charged in the first couple of years can easily top the $200 minimum deposit on many secured cards. And unlike a security deposit, which you can get back if you upgrade the card or close it in good standing, these fees are gone for good once you pay them.
NerdWallet generally doesn't recommend high-fee unsecured cards, but the choice is ultimately yours. Here are some of the better-known unsecured cards for bad credit:
Card | Key details | More information |
|---|---|---|
Reflex® Platinum Mastercard® |
| |
Revvi Card |
| |
Surge® Platinum Mastercard® |
| |
Total Visa® Credit Card |
|
HOW TO BUILD CREDIT WITH A CREDIT CARD
Getting approved for a card with a 600 credit score is the just the first step toward building credit to the point where you can qualify for better cards with richer rewards and lower rates and fees. Here's a quick guide to your next steps:
1. Fund the security deposit, if necessary
If you've been approved for a secured credit card, you must pay the security deposit before you can start using the card. Some cards include this step in the upfront application process, but others give you some time to fund the deposit — perhaps 30 days or so. Failure to fund the deposit will usually result in the issuer closing your account. If that happens, your credit-building journey may suffer a double setback: Not only do you not have a card, but the application process may have knocked some points off your score.
2. Use the card — but don't use it too much
Your credit score is essentially designed to answer one question: If you borrow money, can the lender count on you to pay it back as agreed? A major reason a credit card is so effective at building credit is that it allows you to demonstrate responsible borrowing habits on a monthly basis and in multiple ways:
If you have access to a line of credit, do you go wild and max out your card, or do you use it sparingly? One of the most important factors in credit scores is credit utilization ratio — how much of your available credit you're using. It's generally advised to keep your balance below 30% of your credit limit. If your credit limit is $300, for example, you'll want to stay under $90. For maximum credit score benefit, try to stay even lower, under 10%.
When you do put charges on the card, do you pay your bill on time every month, or do you pay late or miss payments entirely? Payment history is the No. 1 factor in credit scores. If you do nothing else, make sure that you pay your bill by the due date every month. Speaking of which ...
3. Pay your bill on time every month
To avoid a late fee, you must pay at least the minimum amount due (this will be indicated on your statement) by your due date. Payments that are more than 30 days late are reported to the credit bureaus, and this can do serious damage to your credit scores. Ideally, you'll be paying your bill in full, since you're only putting small amounts on the card (see above). And when you pay in full every month, you won't get charged interest.
While you do have to use your card to build credit, you do not have to carry debt from month to month to build credit. That's a pernicious myth. You get all the credit-building benefits just by using the card and paying it off in full each month.
4. Monitor your credit scores
You can get free access to a credit score in a lot of places nowadays. Your card issuer might give you access right from your online account portal. NerdWallet also offers free access to a credit score if you register. There are an array of credit scoring models, so the scores you see may differ from one source to another. But if you're doing what you need to do to improve your credit, you should see all of them moving upward.
5. Upgrade when the time is right
As your credit improves, you'll be able to qualify for better cards. If your scores have moved into the mid-600s, take a look at our best credit cards for fair or average credit. When you're above 700, you're in the range of good to excellent credit, and you can start looking at some of the best credit cards across all categories. Keep in mind also that some of the secured credit cards described on this page have a process to automatically upgrade you to a regular unsecured card after you demonstrate a pattern of responsible use. If your secured card doesn't have upgrade options, you'll have to close your account to get your deposit back.
Last updated on December 8, 2025
Methodology
NerdWallet's Credit Cards team selects the best credit cards for a 600 credit score based on overall value, as evidenced by star ratings, as well as suitability for specific kinds of consumers. Factors in our evaluation include annual and other fees, deposit requirements for secured cards (both the minimum and maximum allowed), interest rates, whether a card offers an option to upgrade to an unsecured account, the availability of free credit scores and other credit education and tools, reporting to credit bureaus, and other noteworthy features such as a rewards program or the ability to qualify without a credit check. Learn how NerdWallet rates credit cards.
