18 Best Credit Cards for 600 to 650 Credit Scores

18 Best Credit Cards for 600 to 650 Credit Scores

credit card advice

Adam West
By: Adam West
Posted: September 30, 2019
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

When we decided to compile a list of the 18 best credit cards for 600 to 650 credit scores, we had to first figure out the needs of the people in this score range. That’s because every credit card is different, and each consumer demographic has unique needs.

If your credit score sits in the 600 to 650 range, you’re likely struggling to qualify for the top cards on the market, and yet, your score is just high enough to make cards designed for consumers with poor credit seem unattractive.

After extensive research, we broke our findings down to highlight different sets of needs with a conclusive list that details the best cards in popular category groups.

Overall | Rewards | No Annual Fee | Secured | Students | Retail | FAQs

Best Overall Cards for 600 to 650 Credit Scores

When it comes to credit cards, some people want no annual fees, others want flexible payment terms, and many seek out low interest rates. We’ve found a few that check off every box — and more — which is why we’ve named them our best overall cards for 600 to 650 credit scores.

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.46% (Variable)
$0
Average, Fair, Limited

The Capital One® Platinum Credit Card is our top choice for best overall credit card for 600 to 650 credit scores because it has no annual fee, a competitive variable interest rate, and Capital One will monitor your account and possibly increase your credit limit after you make your first five monthly payments on time.

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.46% (Variable)
$39
Average, Fair, Limited

With the Capital One® QuicksilverOne® Cash Rewards Credit Card, you can take advantage of unlimited 1.5% cash back on every purchase you make. Plus, like its Platinum sibling, Capital One will monitor your account and may increase your credit limit after five months of on-time payments.

Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.7

OVERALL RATING

3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99%-25.99% Variable
$0 - $99
Fair

The Credit One Bank® Platinum Visa® has one of the lowest potential interest rates of any card on this list (variable rates start at 20.24%) and still offers 1% cash back on all qualifying purchases. Depending on your credit score, Credit One may require an annual fee of up to $99.

Best Rewards Cards for 600 to 650 Credit Scores

Rewards credit cards are all the rage, and rightfully so. With a good cash back or points credit card, you can earn money and rewards for all the purchases you make using your card — which puts money back into your pocket and gives you savings at the register.

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.46% (Variable)
$39
Average, Fair, Limited

The Capital One® QuicksilverOne® Cash Rewards Credit Card offers an unlimited 1.5% cash back, which helps you rack up money back for the purchases you make with the card. The card charges a $39 annual fee, so be certain that your rewards will exceed, or at least match, the fee to make it worthwhile.

Credit One Bank® Visa® Credit Card with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING

★★★★★
4.5

OVERALL RATING

3.8/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99%-25.99% Variable
$0 - $99
Fair

Credit One already has one of our top choices for credit cards for 600 to 650 credit scores. But the Credit One Bank® Visa® Credit Card with Cash Back Rewards adds an extra layer of rewards to that card, offering 1% cash back on all of your purchases. The variable interest rates are the same on this card as they are with its Platinum sibling and your credit score will determine if you will have to pay the $99 annual fee.

Discover it® Secured Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.5

OVERALL RATING

3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.74% Variable
$0
New/Rebuilding

The Discover it® Secured is one of the only secured credit cards on the market that offers a cash back feature. All cardholders receive 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, and an unlimited 1% cash back on all other purchases.

Best Cards for 600 to 650 Credit Scores with No Annual Fee

While cash back is a great credit card bonus, many issuers tack on an annual fee to make up for the money they give back to cardholders. If you don’t use your card enough to make the fee worthwhile, you’re better served by finding a credit card that doesn’t charge an annual fee, like the top choices listed below.

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.46% (Variable)
$0
Average, Fair, Limited

The Capital One® Platinum Credit Card won’t spring any fees or unexpected charges on you because the card is the true definition of what-you-see-is-what-you-get. The competitive interest rate, lack of fees, and potential to raise your credit limit after making your first five payments on time makes this card a winner.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

FAIR CREDIT RATING

★★★★
4.4

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair/New to Credit

All Discover it® Student Cash Back cardholders pay no annual fee and earn 5% cash back at different places each quarter, such as gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. All other purchases earn an unlimited 1% cash back and Discover will match all the cash back you earn at the end of your first year, automatically.

9. Amazon Store Card

The Amazon Store Card is a top pick if you frequently shop with the online giant. If you spend $149 or more on a purchase — which we all know is easy to do at Amazon — you’ll receive special financing offers that make it more affordable to pay over time.

Amazon Store Card

  • Cardholders who are also Amazon Prime members earn 5% cash back on Amazon.com purchases
  • Receive special financing on orders of $149 or more
  • Pay no annual card fee, Prime fee may apply

You can also earn 5% cash back on your purchases if you’re an Amazon Prime member, which requires a $119 annual fee. But the card’s lack of an annual fee may offset the cost of a Prime membership if you want to maximize your value.

Best Secured Cards for 600 to 650 Credit Scores

If your credit score isn’t yet high enough to earn you the credit card of your dreams, you may want to consider a secured card offering. While these cards will require a refundable security deposit for approval, they’re a great way to improve your credit profile without paying a lot in fees.

SECURED RATING

★★★★★
4.9

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.49% (Variable)
$0
Limited, Bad

Most secured credit cards match your credit limit with the amount of your refundable security deposit. But the Capital One® Secured Mastercard® uses your credit score to determine your required deposit amount. Depending on your credit profile, you’ll need to pay a deposit of $49, $99, or $200 to unlock your initial credit limit of $200.

Discover it® Secured Review

at Discover Card'ssecure website

SECURED RATING

★★★★★
4.5

OVERALL RATING

3.7/5.0
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
10.99% for 6 months
24.74% Variable
$0
New/Rebuilding

With the Discover it® Secured card, you’ll get all of the benefits of using the Discover network as well as the opportunity to earn 2% cash back on purchases at gas stations and restaurants, as well as an unlimited 1% on all other purchases.

OpenSky® Secured Visa® Credit Card Review

at Capital Bank'ssecure website

SECURED RATING

★★★★
4.0

OVERALL RATING

2.9/5.0
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.14% (variable)
$35
Poor

The OpenSky® Secured Visa® Credit Card requires a minimum $200 refundable security deposit to open your account, but does not require a credit check to apply. OpenSky will refund your security deposit when you close your account as long as you don’t have a remaining balance. The amount of your security deposit will equal your total credit limit.

Best Student Cards for 600 to 650 Credit Scores

Building a credit score from scratch takes time and patience — something few of us have at a young age. But a good student credit card could help speed up the process, so long as you keep your balance low and make your payments on time. Our top choices below work with students to bring their scores up while preparing them for life after graduation.

Discover it® Student Cash Back Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair/New to Credit

Many credit cards for students don’t offer cash back options, but the Discover it® Student Cash Back goes big on its rewards. Cardholders can earn as much as 5% cash back on purchases in defined categories, such as gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. All other purchases earn an unlimited 1% cash back, and Discover will match all the cash back you earn at the end of your first year, automatically.

Discover it® Student chrome Review

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.0/5.0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.74% - 23.74% Variable
$0
Fair/New to Credit

With the Discover it® Student chrome, you can take advantage of Discover’s popular cash back match program that essentially doubles the amount of cash back you earn during your first year with the card. That amount can grow quickly since the card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. All other purchases earn an unlimited 1% cash back.

STUDENT RATING

★★★★★
4.8

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.46% (Variable)
$0
Average, Fair, Limited

The Journey® Student Rewards from Capital One® offers a two-part cash back structure. First, all cardholders receive an unlimited 1% cash back on every purchase they make. But you’ll also receive an additional 0.25% cash back when you make your on-time payment each month.

Best Retail Cards for 600 to 650 Credit Scores

Many popular retail chains offer their own branded credit card options that provide in-store discounts, cash back, loyalty bonuses, or all of the above. Our top choices span three of the most popular shopping destinations, and each, with responsible usage, will work to give your credit score a boost.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

FAIR CREDIT RATING

★★★★
4.3

OVERALL RATING

4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit

The Fingerhut Credit Account is one of our top choices for rebuilding your credit score. That’s because the credit account isn’t a traditional credit card. You can use this revolving credit line to purchase name-brand goods online at Fingerhut and its partner websites. Fingerhut reports your payment history to the three credit bureaus to help you improve your credit score with responsible use.

17. Target REDcard

If you regularly shop at Target — and who doesn’t? — you can save 5% off your total purchase in-store and online with the Target REDcard. The card doesn’t charge an annual fee and there’s no catch to access your discount.

Target REDcard

  • Save an extra 5% at Target and Target.com with early access to special products and promotions
  • Free 2-day shipping on Target.com purchases plus extended returns
  • No annual fee

Target also allows coupons for eligible items, including from its popular Cartwheel app, so this card can quickly help you save money without having to manage cash back redemptions or rotating categories.

18. Amazon Store Card

The Amazon Store Card provides special financing offers on all orders of $149 or more, which makes it easier to pay for larger purchases over time. If you’re an Amazon Prime member, you can also earn 5% cash back on all of your purchases.

Amazon Store Card

  • Cardholders who are also Amazon Prime members earn 5% cash back on Amazon.com purchases
  • Receive special financing on orders of $149 or more
  • Pay no annual card fee, Prime fee may apply

Keep in mind that a Prime membership costs $119 each year. If you make enough Amazon purchases, the 5% cash back could offset that cost. Otherwise, you should consider if the free two-day shipping and access to entertainment options are worth your investment.

What is a Decent Credit Score to Get a Credit Card?

While your credit score will determine what kind of fees, rates, and rewards you will receive, it won’t completely disqualify you from getting a card at all. There are credit card issuers who work with every score range and provide borrowers with lines of credit despite their previous financial mistakes.

You can likely get a credit card even if you have a bad credit history, defaults, or recent bankruptcies. While these cards won’t come cheap, they will help you rebuild your credit history faster than just waiting for the negative items to fall off your credit report (which can take up to 10 years).

Some secured credit cards don’t require a credit check. While you’ll have to pay a refundable security deposit for access to these cards, you can still obtain a credit card despite a very poor credit score.

If this sounds like you, the next best step is to find the card that suits your needs. Instead of focusing on the best perks and rewards, you should look for the lowest fees and interest rates. This will maximize your spending power and make it easier to pay more than your minimum monthly balance due — which, in time, should give your credit score the boost it needs to qualify for better cards.

Credit card rewards are nice, but they’re nothing compared to the rewarding feeling that comes with being debt-free and seeing your credit score jump several points.

What Credit Cards Can I Get with a 650 Credit Score?

Many credit card issuers use FICO scores to determine eligibility. Banks break these scores into ranges, with a score of 650 falling into the high end of the fair range. At this stage, you’re only 20 points from moving into the good credit range.

FICO Score® Ranges

That means you may qualify for several different cards and can shop around to find one that best matches your needs, but you may not receive the best terms. Credit card issuers consider their risks when deciding which credit card to offer each applicant. You may receive less attractive offers — or an outright rejection — if there’s a chance you could default and the issuing bank will take a loss.

The risks you pose to the credit card issuer — and how good of a card you may receive from the bank — will depend upon why you have a 650 credit score.

Do you have some financial mistakes in your past or high balances on your current cards? Both can put your credit score in the fair credit range, but each can have very different risk assessments. An issuer may shy away from extending more loans to you if you’re already drowning in debt, or it could opt to take a chance on you — with some tacked-on fees and a higher interest rate to make it worth their while.

If you’re struggling to find a credit card that’s affordable, provides good terms, and accepts your 650 credit score, you may want to consider adding a secured credit card to your wallet. These cards require an up-front security deposit that often matches your credit limit. The bank returns the deposit to you when you close your card account as long as you don’t carry a balance at the time.

Because you’ve secured your credit line with a cash deposit, the issuing bank isn’t as concerned about your risk levels, and therefore, the card may not carry as many fees and charges. And since the issuer will report your payment history to the three major credit reporting bureaus, you can improve your score with responsible usage and soon graduate to the unsecured card you have your eyes set on.

How Can I Raise My Credit Score?

There are five main factors that make up your credit score. Each plays a role in raising your score, but some carry more importance than others.

Payment history makes up 35% of your score. This looks at your mix of on-time payments and late payments of 30 days or more. Banks obviously want to see every payment happen on time, and even just one late payment will make your score drop as much as 100 points.

Late payments sit on your credit report for up to seven years. But as they get older, and you replace them with on-time payments, they don’t hold your credit score down as much as they did when they were new.

So, making on-time payments is the best way to raise your score — but it also takes time.

Credit utilization makes up 30% of your score. You can calculate your current utilization by dividing your current credit card balance by your overall credit limit. For example, a card with a $1,000 credit limit and a $500 current balance has a 50% utilization rate.

FICO Score Factors

Banks want to see low utilization because it shows that you’re responsible with credit and aren’t overwhelmed by debt. If you have high utilization, issuing banks could be hesitant to extend you more credit.

You can lower your utilization and increase your credit score by paying down existing debts and making more than the minimum monthly payment.

The length of your credit history determines 15% of your credit score. Banks want to see a consistent track record of credit success. Someone with six straight months of on-time payments may look attractive to a bank, but a consumer who can show 15 years without a late payment will likely get better terms and offers.

There’s no way to improve this quickly. You just need time, patience, and discipline.

New credit accounts for 10% of your total FICO score. This is where inquiries come into play.

Every time you apply for a credit card or loan, the lender places a hard inquiry on your credit report, which gives them access to your file. These inquiries show up on your report to let lenders know how often you’re applying for new credit — and they stay on your credit report for two years.

Banks understand that you’re going to occasionally apply for a new credit card or loan. But if you’re constantly opening new cards or applying for new loans, it could raise a red flag. Banks may see you as desperate for money because you can’t afford to pay off previous debts.

Banks typically allow for two or three inquiries on your credit report for each two-year period. But once you go over that number, your credit score could take a hit, and your chances of approval may drop.

Limiting your number of new applications will help your credit score improve over time.

Credit mix accounts for the final 10% of your credit score. This looks at how well you handle different types of credit — such as car loans, personal loans, mortgage loans, student loans, or credit cards.

Banks like to see a good mix of credit on your report, but they don’t like to see lots of loans with high balances. Don’t go out and apply for all kinds of loans because you think it will help your credit mix. You can improve your score quickly by paying down the balances on your current loans and cards.

Use Your Card Wisely to Earn Better Card Offers

Improving your credit score takes time, but any of the cards featured on our list of the 18 best credit cards for 600 to 650 credit scores can help you boost your credit score without paying high fees or surprise charges.

If you add one of these cards to your wallet and use it responsibly over time, you should see your score improve — which could help you upgrade to the card of your dreams when the time is right.