Best Credit Cards for 630-670 Credit Score [from Unsecured to Business Options]

These days, buying items on credit has become the default. The mantra of "buy now, pay later" has pervaded virtually every industry, from consumer goods to cars to homes. In the United States 84 percent of adults have at least one credit card, and the average debt for families is roughly $6,200.

If you have a moderate or "fair" credit score, you may be worried that you won't qualify for a credit card. However, there are many options available for those with fair or even bad credit. That said, there are some points to consider before applying so that you can enter into a contract with both eyes open.

With that in mind, let's look at the best credit cards for a 630-670 credit score and what it takes to get them.

How Your Credit Score Affects Your Ability to Get a Credit Card

Your credit score is a gauge for how well you can pay off debts to lenders. Scores can range from 300 on the low end to 850 on the high end. Various actions affect your score, such as opening a new credit card or defaulting on a loan payment. If you haven't had a credit card yet, you may assume that your score is high.

However, a high score is a result of proving your repayment abilities, not avoiding defaulted payments. So, the more often you can borrow money and pay it back, the higher your score will be. Credit reporting agencies also look at factors like your debt-to-income ratio, the amount you owe vs. the amount you can borrow, and the length of credit accounts. For a high score, you need to have a proven track record in each category.

When it comes to applying for a credit card, your score affects the process in a few ways, such as:

• Higher Interest Rates - Interest rates are the amount that the credit card company charges you to maintain an outstanding balance. The higher this rate, the more money you're paying to the company. With fair credit, you may be looking at rates between 25 and 28 percent.
• Lower Credit Limit - With moderate credit, your account balance will be relatively low, such as $1,000 to $1,500. The good news is that you can request a higher credit limit once you build some history with the account.
• Higher Fees - If you max out your credit card or make a late payment, you could get hit with substantial fees. Those costs are higher when your credit score is moderate or bad.

Can You Get a Credit Card With a 630-670 Score?

Yes, you can get a credit card with a 630-670 credit score. Many of the major card issuers have options for those with fair credit, but you will have to pay higher fees and interest rates until your score improves.

Secured vs. Unsecured Credit Cards

During your search for a credit card, you may see secured and unsecured options. So, what's the difference? Basically, with a secured credit card, you're pre-paying balance and borrowing against that. So, let's say you open the card with $300, you can only spend that much until the balance is zero. If you want more money on the card, you have to make another deposit. Some cards may offer an additional unsecured balance on top of your deposit, but that depends on your score and credit history.

Unsecured cards are not tied to a prepayment, so you can spend up to the credit limit and pay it back afterward, over time. Most credit cards are unsecured, with the issuer providing a credit limit based on your credit score.

The primary benefit of getting a secured credit card is that it helps you improve your score without the risk of going into further debt or defaulting on payments. Since you've prepaid the balance, you can't go over and owe money to the card issuer. Typically, those with a bad score (i.e., 580 and below) will want this kind of card to rebuild their credit.

Are Credit Cards Available for Those With 500 Credit Score?

Yes, you can get a credit card with a credit score of 500. However, the best option is a secured card so you can rebuild your rating without going into more debt. You can find unsecured credit cards, but the interest rates and fees will be very high, so it'll be hard to keep up if you don't have a strong financial situation.

How to Raise Your Credit Score From 630 to 700

As a rule, it's really easy to knock your credit score down (i.e., with a hard inquiry or default payment). However, you can rebuild it if you follow these steps:

• Lower Your Outstanding Balance - Credit reporting agencies pay attention to how much you've borrowed vs your total credit limit. Ideally, your outstanding balance will only be around 25 percent of your total limit. So, if you have a $1,000 limit, you want to keep the balance at $250 or less.
• Avoid New Inquiries - When you buy a car, get a mortgage, or open a new credit card, the lender will perform a "hard" inquiry. This action lowers your score because it shows that you're trying to borrow more money. As a rule, you want to limit the number of inquiries so they don't count against your score.
• Maintain Long-Term Accounts - If you have multiple cards with a zero balance, it may be tempting to close one or more of your accounts. However, the longevity of your accounts matters, so you want to keep them in good standing for as long as possible. Also, consider that you're not missing any payments since you don't owe anything.
• Use and Pay Off a Monthly Balance - As we mentioned, the best way to raise your credit score is to build a history of paying off debts. So, if you have a card with a zero balance, you can put a few purchases on it and then pay them off before the interest rate hits. The more often you do this, the faster your score will increase.

Overall, raising your credit score takes time, but it is possible. To find out more tips and tricks, check this complete guide.

Finding a Credit Card with 630 - 670 Credit Score

If your credit score is hovering around 630, you may be wondering if you can qualify for a decent credit card. Here's a rundown of the top card issuers and whether you can get accepted with a moderate or "fair" score.

Can you get a Chase Credit Card with 630-670 Credit score?

 You can get one of two credit cards from Chase with a relatively low score. First, there's the Freedom Flex Card, which needs only a score of 600 or higher. Second, you can get the Chase Freedom Unlimited with a score of 636 or higher. Everything else Chase offers needs a credit score of at least 645.

Can you get a Capital One Credit Card with 630-670 Credit score?

Capital One offers three credit cards for those with fair credit, and one option for those who need to rebuild their score from scratch. The Capital One Platinum Secured card is the best option for those with a really low score, but at 630 points, you can get a Platinum Mastercard, QuicksilverOne Rewards, or the Quicksilver Secured Rewards. Only the Platinum card doesn't come with any reward systems.

Can you get a Citibank Credit Card with 630-670 Credit score?

Citibank offers a secured credit card with a minimum deposit of $200 to get started. If you want a traditional unsecured credit card, your score needs to be closer to 700 (ideally 670 or more). However, this card is only designed for those with a limited credit history, not those who have borrowed before, defaulted, and are trying to rebuild their credit score.

Can you get a Amex Credit Card with 630-670 Credit score?

As a rule, American Express doesn't offer credit cards for those with a credit score below 670. Once you reach this level, you can potentially qualify for an Amex Platinum or Gold Card, but the closer you can get to 700, the more likely you'll be approved.

Best Credit Cards for 630-670 Credit Score in 2024

We've mentioned a few of the options above, but now let's break down specific cards you can get within this credit score range and what they have to offer. Also, keep in mind that while you'll likely start with a high-interest rate and low balance, those can change in your favor as you build and improve your credit rating.

On this list, we'll include the best cards for a 650 credit score, the best low-interest credit cards for 630 credit score and above, the best unsecured credit cards for 630 score, and even the best secured credit cards. Each option will list this info so you can compare and contrast accordingly.

Best Unsecured Options

Capital One Platinum Card

• Unsecured
• No Annual Fee
• No Rewards
• 30.74% Variable APR

This card works for those with a credit score as low as 580, and we like it because it doesn't have an annual fee. However, the interest rate is pretty high and it doesn't come with any reward options, so it's pretty basic.

Reflex® Platinum Mastercard®

• Unsecured
• Annual Fee of $75 - $125
• No Rewards
• 29.99% Variable APR

This credit card is a bit more expensive than others we've seen, but it's geared toward those with fair or bad credit scores. Also, it offers one of the highest account balances of $1,000, which can double to $2,000 in six months if you make on-time payments.

Avant Credit Card

• Unsecured
• $59 Annual Fee
• No Rewards
• 28.74% Variable APR

This credit card is very similar to the Platinum card by Capital One. However, it does have a $59 annual fee, so you have to plan accordingly. This card is easier to apply for and the interest rate is slightly lower than other cards of its class.

Merrick Bank Double Your Line® Mastercard® Credit Card

• Unsecured
• $0 - $72 Annual Fee
• Double Your Credit Limit in Seven Months
• 23.70% - 29.95% Variable APR

This is another credit card that starts off with a relatively low balance that doubles when you make a specific number of minimum payments (seven to be exact). Although it doesn't come with rewards, it may have a low annual fee, which you can bring down to zero with good credit.

Indigo® Mastercard® Credit Card

• Unsecured
• $0 - $99 Annual Fee
• No Rewards
• 24.90% Variable APR

This credit card is designed to help individuals rebuild their credit score, particularly after a bankruptcy. Although it can come with a high annual fee, the interest rate is lower than other cards we've seen in this category. Since it doesn't come with rewards, this card shouldn't be at the top of your list unless you're struggling to get approved.

Rewards Credit Cards

Credit One Bank Wander Card

• Unsecured
• $95 Annual Fee
• 10x Points on Hotel and Car Reservations Booked Through Credit One
• 5x Points on Eligible Travel, Dining, and Gas Purchases
• 1x Points on All Other Purchases
• 27.74% Variable APR

If you love traveling, the Wander Card can give you a lot of reward points on travel purchases. However, the high annual fee can offset these rewards, so you have to plan accordingly.

Mission Lane Cash Back Visa® Credit Card

• Unsecured
• No Annual Fee
• 1 to 1.5% Cash Back on All Purchases
• 26.99% - 29.99% Variable APR

This credit card is a bit better than the Capital One Platinum Card because it has perks, but the interest rate may be a little higher, and you might start with a pretty low account balance. Sometimes, it can be as low as $300.

Capital One QuicksilverOne Cash Rewards Credit Card

• Unsecured
• $39 Annual Fee
• 5% Cash Back on Hotels and Rental Car Purchases Through Capital One
• 1.5% Cash Back on All Other Purchases
• 30.74% Variable APR

If you're looking for a good card that can help you rebuild credit while also providing some exciting rewards and incentives, the Quicksilver One Card from Capital One is an excellent choice. However, the annual fee means you want to take advantage of the rewards program if possible.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

• Unsecured
• No Annual Fee
• 1% Cash Back on All Purchases (Increases to 1.5% after 12 consecutive on-time payments)
• 16.74% - 30.74% Variable APR

Technically, you don't need a credit history to qualify for this card. However, if you have bad credit, your chances of approval go down. Those with a score between 630 and 670 should be okay, but you'll wind up with a higher interest rate and lower account balance (may be as little as $300).

Fortiva® Mastercard® Credit Card

• Unsecured
• $85 Min Annual Fee
• Up to 3% Cash Back on Eligible Purchases
• 29.99% - 36% Variable APR

Here is another card that comes with high fees and interest rates, but it's easier to get approval, so it's a good option for those who have been denied by other credit card issuers. Plus, with a decent cash back rewards program, you can get some extra money back into your account.

Aspire® Cashback Reward Card

• Unsecured $85 - $175 Min Annual Fee
• Up to 3% Cash Back on Gas, Groceries, and Utility Payments
• 1% Cash Back on Other Purchases
• 29.99% Variable APR

One thing we like about the Aspire card is that you can request approval without affecting your credit score. This way, even if you're denied, your score won't go down as a result. But, the annual fee and interest rate are pretty high, so apply with some caution.

Credit One Bank® Platinum Visa®

• $39 Annual Fee
• 1% Cash Back on All Purchases
• 28.49% Variable APR

This is a pretty basic card that will help you rebuild your credit if your score has gotten low in the last few years. But, we like it because it comes with a decent rewards program and a relatively low APR. However, the annual fee can be costly if you're not paying attention.

A Business Option

Capital One Spark Classic for Business

• Unsecured
• No Annual Fee
• 1% Cash Back on All Purchases
• 29.74% Variable Interest Rate

If you're starting a business or opening a new business account, Spark is designed for those with a Fair credit score. We like that it has no annual fee and you get cash back on all purchases with no minimum requirements.

Retail Stores

Capital One Walmart Rewards® Mastercard®

• Unsecured
• No Annual Fee
• 5% Cash Back on Online Walmart Purchases
• 2% Cash Back on All In-Store Purchases, Including Murphy USA and Walmart Fuel Stations
• 2% Cash Back on Restaurants and Travel Purchases
• 1% Cash Back on All Other Purchases
• 17.99% or 29.49% Variable APR

If you're an avid Walmart shopper, you should get this card. The rewards are designed for online shopping, but you get decent returns on other Walmart purchases too. Plus, no annual fee to worry about. This card works well for businesses too that shop at Walmart regularly.

Amazon Prime Store Card

• Unsecured
• No Annual Fee
• 5% Cash Back on Amazon.com Purchases (With Prime Membership)
• Extra 5 to 15% Cash Back on Other Purchases (Rotating)
• Special Financing on Large Orders ($149 or more)
• $14.77 Variable APR

This card is good for both individuals and businesses that do a lot of shopping on Amazon. Although it's only good for these purchases, the cash back program and special financing offers are pretty juicy. You'll earn rewards immediately with a Prime membership, and they add up fast. The variable APR is high, but if you place large orders, you can pay them off over time with no interest.

Secured Credit Cards

Capital One Quicksilver Secured Cash Rewards Credit Card

• Secured
• No Annual Fee
• 1.5% Cash Back on All Purchases
• Variable APR

You need to deposit at least $200 to open this credit card, but if you make payments on time and build some credit history, you can apply for an unsecured balance. This card works perfectly for those who are trying to build or rebuild their credit score.

Citi® Secured Mastercard®

• Secured
• No Annual Fee
• No Rewards
• 26.74% Variable APR

This card is designed for those who are trying to build a credit history, not for those who have already opened credit card accounts. It requires a minimum security deposit of $200 with a max balance of $2,500.

The Bottom Line

As you can see, there are tons of credit card options for those with 630 to 670 credit score. Be sure to weigh the pros and cons of each card before applying, and don't forget to avoid compounding interest payments. The sooner you can pay off the balance, the better.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The responses below are not provided, commissioned, reviewed, approved, or otherwise endorsed by any financial entity or advertiser. It is not the advertiser’s responsibility to ensure all posts and/or questions are answered.