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Best Credit Cards for 660 Score: What Are They?

  • A credit score of 660 can limit your options for the best credit cards available.
  • Consider cards like the Citi Double Cash® or Capital One QuicksilverOne to maximize rewards while rebuilding your credit.
  • Call The Credit Pros for personalized guidance; potential improvements in your score can unlock better financial opportunities as you explore your credit card options.

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Related content: Best Credit Cards for a 650 Credit Score: What Options Do I Have?

For a credit score of 660, check out these great options: the Citi Double Cash® Card gives you 2% cash back with no annual fee. The Capital One QuicksilverOne offers 1.5% cash back but charges a $39 fee. The Citi Custom Cash® earns 5% back on your top spending category, and you won't pay any fees. The Upgrade Cash Rewards Visa® helps you build credit while earning rewards.

To maximize these cards, keep your credit utilization under 30% and pay your bills on time. This approach boosts your credit score and opens up better offers later on. Each card might have higher fees or interest rates, so pick one that matches your spending habits.

For personalized help, call The Credit Pros. We'll take a look at your 3-bureau credit report and help you find the right credit card for your situation. Don’t wait; improving your credit score can lead to better financial opportunities.

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    What Are The Best Credit Cards For A 660 Credit Score?

    For a credit score of 660, you have several great credit card options tailored to fair credit. Here are some recommendations:

    • Citi Double Cash® Card: You pay no annual fee and earn $200 for spending $1,500 in the first six months. You get 2% cash back on all purchases and a 0% introductory APR on balance transfers for 18 months. Just be aware of the regular APR, which ranges from 19.24% to 29.24%.

    • Capital One QuicksilverOne Cash Rewards Credit Card: This card offers 1.5% cash back on every purchase, with a $39 annual fee. The APR is high at 29.99%, so you should pay your balance in full each month.

    • Citi Custom Cash® Card: You earn 5% cash back on your top spending category each billing cycle (up to $500). It has a $0 annual fee and a competitive cash-back structure.

    • Upgrade Cash Rewards Visa®: This card rewards you based on your payment history, helping you build credit while earning rewards on purchases.

    These credit cards can help you rebuild and improve your credit while offering valuable rewards. You should always pay on time and keep your credit utilization low to maintain and boost your score.

    Bottom line: Choose a card that fits your needs, pay your balances in full each month, and your credit score will improve over time.

    How Can I Improve My Credit Score From 660?

    To improve your credit score from 660, you can take several effective steps.

    First, make all your payments on time. Your payment history significantly influences your credit score. Set up autopay for at least the minimum due to ensure you never miss a payment.

    Next, reduce your credit utilization ratio. Keep your balances below 30% of your total credit limit. For example, if your limit is $10,000, try not to exceed a balance of $3,000 at any time.

    Regularly check your credit report for errors. If you find inaccuracies, dispute them immediately with the credit bureau and the lender involved. Monitoring your report can also help you spot any potential fraudulent activities early.

    Consider using tools like Experian Boost, which can credit you for on-time payments on bills that don't usually get reported to credit bureaus, like utilities and rent.

    You might also want to limit the number of hard inquiries on your credit. Each time you apply for new credit, a hard inquiry is made, which can temporarily decrease your score.

    Finally, keep older credit accounts open. This helps increase the average age of your credit accounts, positively impacting your score. Close accounts only if absolutely necessary.

    In a nutshell, by paying on time, reducing your credit utilization, monitoring your credit report, limiting hard inquiries, and keeping older accounts open, you can improve your credit score over time and unlock better credit opportunities. For more details on suitable credit cards for a 660 score, check the next section in our article.

    Benefits Of Having A Credit Card For Fair Credit

    Having a credit card when you have fair credit (FICO score between 580 and 669) offers several benefits that can help you improve your financial situation and credit score.

    Using a credit card responsibly allows you to build your credit history. Timely payments enhance your credit profile.

    Regular use of a credit card can boost your credit score when you maintain low balances and pay on time. Each positive payment positively impacts your score.

    A credit card provides a safety net for emergencies or unexpected expenses. You can make purchases without immediate cash, allowing you to manage your finances better.

    Many credit cards offer rewards like cash back, points, or travel perks. These benefits can enhance your overall financial experience.

    Having a credit card contributes to a healthier credit mix. Lenders favor a diversity of credit types, which can bolster your credit profile.

    Using a credit card can be particularly advantageous as you explore other sections of our article, such as the best credit cards for a 660 credit score. This strategy can help you work toward achieving better financial opportunities and lower rates on loans in the future.

    All in all, having a credit card for fair credit helps you build credit, gain financial flexibility, and enjoy rewards while working towards a better credit score.

    What Fees Should I Expect With Credit Cards For A 660 Credit Score?

    When you have a 660 credit score, you should expect certain fees and costs with credit cards. Generally, credit cards available for fair credit have higher interest rates and fees. Here's what you might encounter:

    • Annual Fees: Some credit cards for fair credit may charge an annual fee, but many do not. Look for cards with no annual fees, like the Citi Double Cash® Card.

    • Interest Rates: The APR for credit cards at this score typically ranges from 19.24% to 29.24%. If you carry a balance, you’ll pay substantial interest.

    • Balance Transfer Fees: If you transfer a balance, expect a fee of around 3-5%. For example, the Citi Double Cash Card has a 3% introductory fee for the first 4 months, then it's 5%.

    • Late Payment Fees: Missing a payment can lead to fees from $25 to $39, depending on the card issuer.

    • Foreign Transaction Fees: Using your card abroad might incur fees as high as 3% on each transaction.

    You might secure a credit card with a 660 score, but be prepared for higher fees. It's essential to pay your bills on time and maintain low credit utilization to reduce these costs. The gist of it is, managing your credit responsibly helps improve your score and leads to better card options with lower fees in the future.

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    Which Credit Cards Offer Cash Back For A 660 Credit Score?

    You can find several credit cards that offer cash back with a 660 credit score. Here are some options:

    • Citi Double Cash® Card: You pay no annual fee. You earn 2% cash back-1% when you buy and another 1% when you pay. There’s also an introductory 0% APR for 18 months on balance transfers.

    • Citi Custom Cash® Card: You get 5% cash back on your top eligible spend category each billing cycle, up to $500 spent. After that, you earn 1%. There is no annual fee and an introductory 0% APR for 15 months on balance transfers.

    • Capital One QuicksilverOne Cash Rewards Credit Card: You earn 1.5% cash back on all purchases. The annual fee is $39, making it a good option for cash back on everything you buy.

    • Upgrade Cash Rewards Visa®: You receive 1.5% cash back on all purchases and pay no annual fee. It’s a straightforward rewards option.

    These cards are generally accessible for individuals with fair credit scores like yours. Maintaining timely payments and low credit utilization can help improve your chances of approval and future offers. At the end of the day, choosing the right card can help you earn rewards while working to boost your credit score.

    How Does A 660 Credit Score Affect Credit Card Approval?

    A credit score of 660 is considered fair and affects your credit card approval in several ways. Many lenders see you as a moderate risk, meaning you may have access to credit cards, but often with higher interest rates and lower credit limits compared to higher scores.

    You can still qualify for several basic or store credit cards. However, the best credit card offers typically require better scores. Lenders will scrutinize your overall financial profile more closely, including your income and debt levels.

    While you might get approved for some unsecured credit cards, be ready for annual fees or other costs. To improve your chances of better credit card options in the future, focus on maintaining timely payments and managing your debts effectively. Lastly, by taking these steps, you can improve your credit score and access more favorable credit card offers.

    What Are The Top Options For Low Apr Credit Cards For A 660 Score?

    For a credit score of 660, here are the top options for low APR credit cards:

    1. Citi Double Cash® Card: You get a $0 annual fee and 0% introductory APR on balance transfers for the first 18 months. Afterwards, the APR is 19.24% to 29.24%. You earn 2% cash back on every purchase.

    2. Discover it® Miles: This card offers 0% APR for 15 months on purchases with a standard APR of 18.24% to 28.24%. You get unlimited 1.5x miles on every dollar spent, and Discover matches all the miles earned at the end of your first year.

    3. Upgrade Cash Rewards Visa: You earn rewards for each payment made, helping you improve your credit score. This card is useful for managing your credit while earning rewards.

    4. Capital One SavorOne Student Cash Rewards Credit Card: Ideal for students, it offers cash back on purchases and has no annual fee. Interest rates can be competitive if you're rebuilding credit.

    5. Amazon Store Card: You get special financing offers with potential for lower APRs. However, you should monitor your spending to maintain a healthy credit utilization ratio.

    6. Kohl's Credit Card: This card offers discounts on purchases and promotional financing, beneficial if you shop there regularly.

    Finally, choosing the right credit card can help you save money on interest and earn rewards while you work to improve your credit score.

    Can I Still Earn Rewards With A 660 Credit Score?

    Yes, you can still earn rewards with a 660 credit score. Credit cards designed for fair credit often offer rewards programs, including cash back, points for travel, or other incentives.

    While the rewards may not be as extensive as those for higher scores, you can find competitive benefits. Look for cards that specifically mention rewards for applicants with fair credit.

    By using these cards responsibly, you can improve your credit score over time, leading to better rewards options. For specific card recommendations, check the section on “what are the best credit cards for a 660 credit score?”

    Big picture, you can earn rewards with a 660 credit score by choosing the right card and using it responsibly to boost your score for even better options in the future.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How To Compare Credit Card Offers If My Score Is 660?

    To compare credit card offers with a score of 660, you should focus on cards designed for fair credit. Many lenders see a score of 660 as subprime, so you may face higher interest rates and lower credit limits.

    First, evaluate the annual fees, interest rates (APR), and rewards programs of each card. If you plan to carry a balance, prioritize cards with lower APRs. If possible, choose cards with no annual fees.

    Look at additional features like rewards or cash back options. While premium rewards might be limited, these cards can help you build your credit history for future opportunities.

    You should check issuer websites or use platforms that compare credit card offers tailored to your credit score. Be cautious of hidden fees, such as foreign transaction fees or late payment penalties.

    Overall, select a card that fits your immediate needs and helps improve your credit score over time for better financial opportunities.

    What Strategies Help Maintain A 660 Credit Score With Credit Card Use?

    To maintain a 660 credit score with credit card use, you should implement several key strategies. Always pay your credit card bills on time. Late payments can significantly impact your score, so set up reminders or automatic payments to avoid missing due dates.

    Manage your credit utilization ratio. Keep your utilization below 30%, and ideally aim for 10%. For example, if you have a total credit limit of $1,000, try to keep your balance under $100.

    Regularly review your credit report for errors. Mistakes can hurt your score, so if you find any inaccuracies, dispute them with the credit bureaus promptly. Monitoring your credit score helps you track progress and stay aware of changes.

    Limit new credit applications. Each credit card application results in a hard inquiry, which can temporarily lower your score. Apply only when necessary and combine shopping for loans into a short period to minimize the impact.

    Keep old credit accounts open. The length of your credit history positively affects your score. Even if you don’t use a card often, keeping it open can help your score.

    Be cautious with your credit limits. If you increase your credit limit, maintain good spending habits to avoid higher utilization.

    As a final point, consistently applying these strategies will help you maintain your 660 credit score while using credit cards effectively.

    Secured Vs. Unsecured Cards: Which Is Best For Fair Credit?

    When comparing secured vs. unsecured cards for fair credit, you need to consider your financial situation. Secured credit cards require an upfront cash deposit, which acts as collateral. This deposit typically equals your credit limit and reduces risk for lenders. These cards are great for you if you have low or no credit scores, helping you build or rebuild credit history through responsible use.

    Unsecured credit cards, in contrast, do not require a deposit. They're based on your creditworthiness, and you need a fair to good credit score for approval. These cards are generally easier for you to obtain if you have a positive credit history. They offer benefits like rewards and cashback, which secured cards may lack.

    • If you are starting out or repairing your credit, a secured card is often the best bet.
    • It provides a safe way for you to build credit without the fear of accumulating debt beyond your means.
    • Once your score improves, you can potentially upgrade to an unsecured card.

    To put it simply, if you need to build or rebuild credit, go for a secured card. But if you already have fair credit and want perks like rewards, choose an unsecured card.

    What Is The Potential Credit Limit For A 660 Credit Score?

    With a credit score of 660, you can expect a potential credit limit ranging from $500 to $3,000. This "fair" credit score might limit your options compared to higher scores, as many lenders view a 660 score as moderate risk, often leading to lower credit limits.

    To improve your credit limit, you should:

    • Make timely payments.
    • Keep your balances low.
    • Consider secured cards or cards with limited benefits designed for fair credit.

    In short, with responsible credit usage, you can improve your credit score and increase your credit limit over time.

    Inaccuracies hurting your Credit Score?
    Securely review your full 3-bureau Credit Report (with a real expert).

    By clicking ‘Get Started’ I agree by electronic signature to: (1) be contacted by The Credit Pros by a live agent, artificial or prerecorded voice, and SMS text at my residential or cellular number, dialed manually or by autodialer even if my phone number is on a do-not-call registry (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

    How Does Credit Utilization Impact My 660 Score?

    Credit utilization significantly impacts your 660 credit score. You should maintain a low credit utilization ratio because it accounts for around 30% of your FICO score.

    To calculate your credit utilization, divide your total credit card balances by your total credit limits. For example, if you have a total credit limit of $10,000 and total balances of $3,000, your utilization rate is 30%. You should keep this ratio below 30% to avoid negatively affecting your score.

    High credit utilization signals to lenders that you may be overextending financially, which can lower your score. Conversely, low utilization shows responsible credit management and can positively influence your score. If your utilization exceeds 30%, consider strategies like:

    • Making biweekly payments
    • Requesting higher credit limits
    • Reducing your card balances

    Even small changes can help. For example, if you have a credit limit of $1,000 and a balance of $700, your utilization is 70%. By increasing your limit to $2,000, your utilization drops to 35%.

    To finish, keep your credit utilization low to improve your score and make it easier to obtain credit with better terms.

    What Should I Avoid When Applying For Cards With A 660 Credit Score?

    When applying for credit cards with a 660 credit score, you should avoid several key pitfalls.

    First, don't apply for too many cards at once. Each application can lower your score and signal to lenders that you might be a risky borrower.

    Second, avoid making late payments. Timely payments are crucial for building a positive credit history. Missing payments can worsen your score.

    Third, steer clear of applying for high-end cards meant for better credit scores. You’re less likely to get approved and may end up with extra hard inquiries on your report.

    Fourth, don't ignore your credit report. Check for errors or discrepancies that could negatively impact your score. If you find any, dispute them promptly.

    Lastly, avoid maxing out your credit cards. Keeping your credit utilization below 30% is vital. High utilization can hurt your score and make lenders wary.

    In essence, by steering clear of these traps, you enhance your chances of approval and better financial terms. If you're looking for more detailed advice, check our upcoming section on improving your credit score.

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