Best Credit Card Options for a 680 Credit Score

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If you have a credit score of 680, you may be wondering what credit card options are available to you. While a 680 score is considered fair, there are still plenty of credit card options out there that can help you build credit, earn rewards, and manage your finances. In this article, we will explore some of the best credit card options for individuals with a 680 credit score.

1. Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card is a great option for individuals with a 680 credit score. This card offers unlimited 1.5% cash back on every purchase and has a $39 annual fee. Additionally, it provides access to a higher credit line after making your first 5 monthly payments on time. This card is a good choice if you want to earn cash back rewards while working to improve your credit score.

2. Discover it Secured Credit Card

For those looking to build or rebuild their credit, the Discover it Secured Credit Card is an excellent option. This card requires a security deposit, which becomes your credit limit. The Discover it Secured Card also offers cash back rewards and provides a chance to upgrade to an unsecured card after eight months of responsible credit use. This card is a smart choice for individuals looking to establish or improve their credit profile.

3. Chase Freedom Unlimited Credit Card

The Chase Freedom Unlimited Credit Card is another great option for individuals with a 680 credit score. This card offers a flat 1.5% cash back on all purchases, making it an attractive choice for those who want easy-to-understand rewards without any rotating categories. The Chase Freedom Unlimited Card also provides a $200 cash back bonus after spending $500 within the first three months of account opening.

4. Citi Secured Mastercard

The Citi Secured Mastercard is designed to help individuals improve their credit score. This card requires a security deposit, which becomes your credit limit, but it also reports to all three major credit bureaus, helping you build credit with responsible use. The Citi Secured Mastercard has no annual fee, making it a cost-effective choice for those looking to establish or rebuild their credit.

5. Discover it Cash Back Credit Card

The Discover it Cash Back Credit Card is a popular choice for individuals with fair credit. This card offers 5% cash back on rotating categories that change every quarter, up to the quarterly maximum, and 1% cash back on all other purchases. Discover it Cash Back Card also provides a unique feature called Cashback Match, which automatically matches all the cash back you’ve earned at the end of your first year. This card is an excellent option for individuals looking to maximize their cash back rewards.

6. Wells Fargo Cash Wise Visa Card

The Wells Fargo Cash Wise Visa Card is a great option for individuals with a 680 credit score. This card offers 1.5% cash back on all purchases, along with a $150 cash rewards bonus after spending $500 within the first three months of account opening. The Wells Fargo Cash Wise Visa Card also provides cell phone protection when you pay your monthly phone bill with the card.

7. Capital One Secured Mastercard

If you’re looking to build or rebuild your credit, the Capital One Secured Mastercard is worth considering. This card requires a refundable security deposit, which becomes your credit limit, and it reports to all three major credit bureaus. The Capital One Secured Mastercard also provides access to a higher credit line after making your first five monthly payments on time. This card is a solid choice for individuals looking to establish or improve their credit.

8. Credit One Bank Platinum Visa for Rebuilding Credit

The Credit One Bank Platinum Visa for Rebuilding Credit is tailored specifically for individuals with fair or average credit looking to rebuild their credit history. This card offers opportunities for credit line increases and provides free access to your Experian credit score. However, it’s important to note that there is an annual fee associated with this card, so be sure to consider that when making your decision.

9. Petal Visa Credit Card

The Petal Visa Credit Card is an excellent choice for individuals with limited credit history or fair credit scores. This card takes a unique approach to underwriting by considering factors such as income, savings, and spending behaviors. The Petal Visa Credit Card does not require a security deposit and offers cash back rewards ranging from 1% to 1.5%, which can increase with responsible credit use.

10. Bank of America Cash Rewards Credit Card

The Bank of America Cash Rewards Credit Card is a versatile option for individuals with a 680 credit score. This card offers 3% cash back in a category of your choice, 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. The Bank of America Cash Rewards Card also provides a $200 online cash rewards bonus after spending $1,000 within the first 90 days of account opening.

Frequently Asked Questions:

1. Can I get a credit card with a 680 credit score?

Yes, you can still get a credit card with a 680 credit score. Several credit card options are available for individuals with fair credit scores, which can help you build credit and enjoy various benefits.

2. Will applying for multiple credit cards with a 680 credit score affect my credit score?

Applying for multiple credit cards can temporarily lower your credit score due to hard inquiries. However, if you manage your new credit accounts responsibly and make timely payments, it can positively impact your credit score in the long run.

3. What should I consider when choosing a credit card with a 680 credit score?

When selecting a credit card with a 680 credit score, consider factors such as interest rates, fees, rewards programs, credit limits, and any additional benefits that align with your spending habits and financial goals.

4. Can a credit card help me improve my credit score with a 680 credit score?

Yes, using a credit card responsibly and making timely payments can help improve your credit score over time. Focus on keeping your credit utilization ratio low, paying your bills on time, and maintaining a good payment history.

5. What is the average credit score needed to qualify for the best credit cards?

The average credit score needed to qualify for the best credit cards varies among lenders. However, most premium credit cards typically require a credit score of 720 or higher to qualify for the best terms and benefits.

6. Can a secured credit card help me build credit with a 680 credit score?

Yes, a secured credit card can be an excellent tool for building or rebuilding credit. By making timely payments and using your secured credit card responsibly, you can demonstrate to lenders that you are a responsible borrower.

7. Can I upgrade my credit card with a 680 credit score?

Yes, as you continue to improve your credit history and increase your credit score, you may become eligible for credit card upgrades. Many credit card issuers offer upgrade options from secured or lower-tier cards to unsecured or higher-tier cards.

8. How long does it take to improve a 680 credit score?

The time it takes to improve a 680 credit score depends on various factors, such as your financial habits, payment history, credit utilization ratio, and how you manage your credit accounts. Consistently practicing good credit habits can lead to improvements over time.

9. Are there any credit cards specifically designed for individuals with fair credit?

Yes, several credit cards are specifically designed for individuals with fair credit. These cards often offer tailored benefits and features that can help you build credit and upgrade to better credit card options over time.

10. What other financial factors should I consider alongside my credit score when applying for a credit card?

While your credit score is an important factor, also consider your income, current debt levels, and financial goals when applying for a credit card. Lenders look at various factors when deciding whether to approve your application, so it’s essential to have a holistic view of your financial situation.

Having a credit score of 680 opens up several credit card options for you. Whether you’re looking to build credit, earn rewards, or manage your finances, there are plenty of credit cards that can suit your needs. Consider your spending habits, financial goals, and the specific features and benefits of each credit card before making a decision. Remember to use your credit card responsibly, make timely payments, and stay within your credit limit to continue improving your credit score over time.

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