Best US Credit Card For 600 Credit Score

If your credit score is 600 in the USA, you still have several credit card options. You may qualify for secured credit cards and some unsecured credit cards.

My recommendation is to prioritize $0 annual fees, reporting to all three credit bureaus, and an opportunity to upgrade to an unsecured card.

Best US credit cards for a 600 credit score (2026)

Options based on current published card information; approval is not guaranteed.

Capital One Quicksilver Secured Cash Rewards card review: A great choice for improving credit with no annual fee

1. Capital One Quicksilver Secured

Best overall pick

Annual fee: $0
Minimum deposit: $200
Cashback: 1.5%
Credit score guide: 300–629

Official card details

Discover Secured Credit Card | Build Your Credit History

2. Discover it Secured

Annual fee: $0
Minimum deposit: $200
Cashback rewards available
Reports to all three credit bureaus

Official card details

No Annual Fee Credit Card | OpenSky Plus Secured Visa

3. OpenSky Plus Secured Visa

Annual fee: $0
Minimum deposit: $300
No credit check required
Reports to all three credit bureaus

Official website

Capital One Platinum Secured Credit Card Review: Build Credit With Low Deposit

4. Capital One Platinum Secured

Annual fee: $0
Refundable security deposit
Credit-building option
Potential credit limit increase

Official card details

Capital One SavorOne Cash Rewards Credit Card: Enjoy the Best of Dining and Entertainment – US CR

5. Capital One SavorOne

Unsecured card
$39 annual fee on the fair-credit version listed by Forbes
Cashback on dining, groceries and entertainment
Approval depends on your complete credit profile

Capital One card options

My recommendation

For someone with a 600 credit score:

Your goal	Recommended card
Build credit	Discover it Secured
Earn cashback	Quicksilver Secured
No credit check	OpenSky Plus
Try an unsecured card	Capital One SavorOne (if eligible)

How to improve your 600 credit score

Pay every credit card bill on time.
Keep credit utilization below 10% if possible.
Avoid applying for several cards simultaneously.
Keep older accounts open when practical.
Monitor your Experian, Equifax and TransUnion reports.

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