6 Best Credit Cards for 600 Credit Score in 2026

A 600 credit score is considered fair on the FICO scale. This is a below average score, which makes it more difficult to take out credit. However, there is a solid variety of credit cards for a 600 credit score, and many of them are designed to help customers build up their credit score (if they are used responsibly).

In this article, we will be featuring a range of credit cards that are available to customers with a credit score of 600 or higher. 

The top 6 credit cards for a 600 credit score

Typically, the credit cards accessible to someone with a 600 credit score will be secured cards, which require a security deposit. The credit limit of your secured card will depend on the size of the security deposit. A secured card is not meant to increase your purchasing power, but it will allow you to build up your credit score.

Still, we are also featuring some options for those who would prefer an unsecured credit card. Our list also includes cards that allow customers to earn cashback rewards while they’re building their credit score.

1. Discover it Secured

The Discover it Secured Credit Card offers solid cashback rewards while being highly accessible. As a secured credit card, it requires a security deposit of at least $200. The size of the security deposit matches the credit limit – the maximum security deposit for this card is $2,500, which translates to a credit limit of $2,500.

7 months after the customer gets their card, their account is automatically evaluated by Discover to see if they are eligible for an upgrade to an unsecured card. If the customer is eligible for the upgrade and upgrades to an unsecured card, they get their security deposit back. 

Key features:

• After seven months, the holder’s account is evaluated to determine if it qualifies for an upgrade to an unsecured card.
• 2% cashback bonus at gas stations and restaurants on up to $1,000 in combined purchases per quarter
• No annual fee
• Security deposit (and credit limit) ranges from $200 to $2,500

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2. Capital One Quicksilver Secured

The Capital One Quicksilver Secured is an accessible credit card that’s designed to help customers build credit while still receiving solid cashback rewards. The card offers 1.5% cashback rewards on every purchase.

As a secured card, the QuickSilver Secured card requires a minimum security deposit of $200, but eligible customers can provide a larger security deposit to access a bigger credit line (the maximum credit limit ranges from $1,000 to $3,000).

Capital One offers a pre-approval check for the QuickSilver Secured card, which means you can check your eligibility for the card with no impact to your credit score. Six months after the customer gets the card, Capital One reviews their account to see if they are eligible for an upgrade to an unsecured credit card.

Key features:

• 1.5% cashback rewards on all purchases
• No annual fee
• Pre-approval available
• Credit limit ranges from $200 to $3,000

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3. Upgrade Cash Rewards

The Upgrade Cash Rewards card is designed to combine the predictability of personal loans and the flexibility of a credit card with cashback rewards. Every billing cycle, the transactions on the customer’s Upgrade Card are grouped into a loan with a set interest rate and repayment period. This way, the customer is aware of when they willll finish paying off their purchases and can reduce the amount of interest paid in the long run.

The card offers 1.5% cashback rewards on all purchases, which is in the same range as most of the other credit cards featured in this article.

Key features:

• Can be used as a credit card or as a personal loan
• Credit limit between $500 and $25,000
• No annual fee
• No security deposit requirement

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4. Self Visa Secured

The Self Visa Secured is a credit card designed for customers who want to build up their credit. The card is available to customers of Self who have a Credit Builder Account with the company. 

After meeting the initial requirements (making 3 monthly payments on time, $100+ in savings progress, account in good standing), customers can apply to get the card. The credit limit is based on the customer’s progress in the Credit Builder Account and can therefore increase on a monthly basis.

Key features:

• Highly accessible credit building card
• $100 minimum security deposit
• $25 annual fee

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5. Capital One Platinum

The Capital One Platinum credit card is a cost-effective card designed to help customers build credit. It has no security deposit requirement or annual fee. Capital One provides customers with tools that help them monitor the status of their credit profile. 

However, the Capital One Platinum Card offers no cashback rewards, which might make it unappealing to some. 

Capital One offers pre-approval for the Capital One Platinum card, so customers can check their eligibility without impacting their credit score. 

• Credit-building card
• No annual fee or security deposit requirement
• Pre-approval available
• No cashback rewards

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6. Mission Lane Silver Line – Easy-approval card with up to 1.5% cash back

The Mission Lane Silver Line Visa® Credit Card is a straightforward option for users with fair credit who want to earn rewards while improving their credit profile. The card offers unlimited 1.5% cash back on every purchase, with rewards automatically applied to the account, making it a simple, no-maintenance option for everyday spending.

One of the main advantages of the Silver Line card is its accessibility and ease of use. There’s no annual fee, and applicants can check if they’re pre-approved without impacting their credit score. Approved users can receive a starting credit line of up to $3,000, with the possibility of an increase after as little as 7 months of responsible use.

In addition to rewards, the card comes with helpful tools and protections. Cardholders get free access to their TransUnion credit score, automatic payment reminders, and a mobile app for managing their account. It also supports digital wallets like Apple Pay and Google Pay, and includes Visa’s Zero Liability Policy for protection against unauthorized transactions.

Key features:

• Unlimited 1.5% cash back on all purchases
• No annual fee
• Pre-approval available with no impact on credit score
• Starting credit line up to $3,000 with potential increases
• Free credit score tracking and mobile app access

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The bottom line

While those with a 600 credit score have somewhat limited access to credit cards, there are still solid options available on the market that will allow you to build up your credit score when used responsibly and eventually make it possible to apply for a better credit card. Some credit cards in this category are strictly designed to build credit, while others also offer some perks, such as cashback rewards. 

For additional credit card consideration, you can check out our article on the best credit cards for young adults or another piece that discusses the best credit cards with no annual fees.