Best Credit Cards for a 630 Credit Score 2024 (2024)

FAQs

What credit card can I get approved for with a 630 credit score? ›

One of the best credit cards for a 630 score is the Capital One Quicksilver Secured Cash Rewards Credit Card because it offers rewards and a $0 annual fee. This credit card requires a security deposit of at least $200 to open the account. Most of the best cards for people with a 630 credit score are secured cards.

You can borrow anywhere from a few thousand dollars to $100,000+ with a 630 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

The Best Buy® Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for the Best Buy® Credit Card. Approval odds are higher with the Best Buy Store Card; this card requires at least fair credit (640+ credit score recommended).

A 640 credit score is considered fair credit, and people with fair credit usually have high approval odds for starter credit cards such as Capital One Platinum. If you want the best approval odds with a credit score of 640, a secured credit card is also a good choice.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

While it's possible to get a Discover card with a credit score around 600 for Discover card approval, it may limit your options. You may be more likely to qualify for a secured card or a card with fewer rewards and benefits.

Requirements vary by lender, but most lenders require borrowers to have a credit score in the good to excellent range — meaning a score of at least 670. Some lenders state they require stable, consistent income, while others list a minimum income requirement.

While credit score requirements vary based on loan type, lenders generally require a credit score of at least 620 to buy a house with a conventional mortgage.

A fair credit score is typically anything above 600. While you can find lenders that approve lines of credit for individuals with a fair credit score or lower, most lenders prefer scores of 700 or higher for favourable terms and rates.

Typically, you can qualify for Synchrony's Amazon Store Card with a fair credit score (580 to 669).

Can I get an Apple card with a 630 credit score? ›

Apple Card uses FICO Score 9. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval.

Home Depot Credit Card Requirements

Credit score requirement: A credit score of 640+ (fair credit); Age requirement: Must be at least 18 years old. If you're under 21 years old, you must have proof of independent income or a cosigner; Residency requirement: You must be a US resident.

There's no credit score that guarantees you'll be approved or denied. Some applicants have reported getting approved for The Platinum Card® from American Express with scores of 650 and 660. Others have been denied with scores above 700 and 750.

According to FICO®, for example, a fair credit score falls between 580 and 669. According to VantageScore®, a fair score ranges between 601 and 660. Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard.

Joyce Brown, WalletHub Credit Card Analyst

You probably can't get a Walmart Credit Card with bad credit because this card requires at least fair credit for approval. That means your chances are best if your credit score is 640+. The Walmart® Store Card has the same credit score requirements, too.

The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.

One of the easiest high limit credit cards to get is the Citi Double Cash® Card. This card offers a minimum credit limit of $500 and cardholders report getting a starting credit limit as high as $11,500. The Citi Double Cash Card has a $0 annual fee and requires at least fair credit for approval.

A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more. However, there are plenty of cards you can get with a score lower than this (more on that later).