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Best Credit Card for 680 Score? (Top Options Listed)

  • A 680 credit score limits your credit card options. You may miss out on premium rewards and benefits.
  • Consider cards like Citi Double Cash and Wells Fargo Active Cash for cash-back rewards with no annual fees.
  • To potentially improve your score for better credit card options, contact The Credit Pros. We help you identify and address inaccuracies on your credit report.

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

With a 680 credit score, you qualify for several great credit card options like the Citi Double Cash Card and the Wells Fargo Active Cash Card. These cards usually have no annual fees and offer attractive cash-back rewards. They boost your spending power while helping you build your credit profile.

To improve your chances of approval and maximize benefits, think about your spending habits when picking a card. Make regular, timely payments and keep your credit utilization low. If you want to raise your score for better options later, reach out to The Credit Pros. We’ll review your credit report and give you personalized advice, guiding you through this process effectively.

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    What Credit Cards Can I Qualify For With A 680 Credit Score?

    With a 680 credit score, you can qualify for a variety of credit cards. You fall within the "good" range, so many lenders view you favorably. Here are some options:

    • Upgrade Cash Rewards Visa®: $0 annual fee, offers 1.5% cash back on purchases.
    • Citi Double Cash® Card: $0 fee, earns you 2% cash back-1% when you buy and another 1% when you pay.
    • Capital One QuicksilverOne Cash Rewards Credit Card: $39 annual fee, 1.5% cash back on all purchases.
    • Wells Fargo Active Cash® Card: No annual fee, 2% cash rewards on purchases.
    • Blue Cash Preferred® Card from American Express: Great for cash back on groceries, but has an annual fee.

    You might also consider the Petal® 2 Visa® Credit Card, which can approve you even with limited credit history. These cards typically offer rewards and favorable terms, helping you build your credit further.

    Remember, approval isn't guaranteed as lenders consider other factors like income and debt. Apply for cards that fit your lifestyle and spending habits to manage payments easily.

    In essence, with a 680 credit score, you have solid options for credit cards that offer rewards and help improve your financial standing.

    How Can I Improve My 680 Credit Score To Get Better Credit Card Options?

    To improve your 680 credit score and get better credit card options, you should start with these actionable steps:

    Check Your Credit Report: Review your credit report for errors. Dispute inaccuracies to quickly boost your score.

    Pay Your Bills on Time: Consistently pay your bills by their due dates. Late payments can significantly hurt your score.

    Reduce Your Credit Utilization: Keep your credit utilization ratio below 30%. Aim for even lower, around 10%, for optimal scoring.

    Increase Your Credit Limits: Request a credit limit increase on your existing cards. This can lower your utilization ratio as long as your spending doesn't increase.

    Diversify Your Credit Mix: Consider adding different types of credit, like an installment loan, which can improve your score when managed well.

    Limit Hard Inquiries: Avoid applying for multiple credit cards at once, as multiple inquiries can reduce your score.

    Keep Old Accounts Active: Maintain your older credit accounts. The length of your credit history plays a role in your score.

    Improving your score is a gradual process. Consistent effort and smart financial habits lead to better credit card options over time. Each little change you make has the potential to enhance your creditworthiness and expand your choices.

    Top Credit Card Options For A 680 Credit Score

    The top credit card options for a 680 credit score include several excellent choices catering to your needs. At this score, you can qualify for cards offering solid rewards and terms. Here are the best options:

    • Citi Double Cash Card: You get no annual fee and 2% cash back on all purchases. This card also reports monthly to credit bureaus, helping you build your credit.

    • Capital One QuicksilverOne Cash Rewards Credit Card: You earn unlimited 1.5% cash back on every purchase. There is a $39 annual fee, but it offers substantial rewards.

    • Chase Freedom Unlimited: You earn 1.5% cash back on all purchases and 5% on travel booked through Chase. This card has no annual fee, making it a strong option.

    • Petal® 2 Visa® Credit Card: You may be approved even with limited credit history. You earn 1% cash back on purchases, which increases to 1.5% after a year of on-time payments. There is no annual fee.

    On the whole, you can find great credit card options for a 680 credit score that offer you excellent rewards, no annual fees, and opportunities to build your credit.

    Are There Any Credit Cards With No Annual Fees For A 680 Credit Score?

    Yes, there are credit cards with no annual fees available for a 680 credit score. Here are some options you can consider:

    • Citi Double Cash Card: You get a $0 annual fee and 2% cash back on purchases-1% when you buy and 1% when you pay.

    • Upgrade Cash Rewards Visa®: This card offers no annual fee with 1.5% cash back on all purchases.

    • Capital One QuicksilverOne Cash Rewards Credit Card: You won't pay an annual fee and earn a flat 1.5% cash back on every purchase.

    • Petal® 2 Visa® Credit Card: This card features no annual fee and provides 1% cash back on all purchases, increasing to up to 1.5% after a year of on-time payments.

    • Wells Fargo Active Cash® Card: You pay no annual fee and receive unlimited 2% cash rewards on purchases.

    You should apply for these cards online to see if you qualify, as approval is not guaranteed even with a sufficient credit score. Always check the latest terms and conditions before applying.

    Bottom line, you have options for credit cards with no annual fees even with a 680 credit score. Apply online and review terms to find the best fit for you.

    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.

    What Rewards Can I Expect From Credit Cards For A 680 Credit Score?

    With a 680 credit score, you can expect a variety of rewards from credit cards designed for your range. You should look for cards offering cash back or points on purchases. Here are specific rewards you might find:

    • Cash Back: Cards like the Citi Double Cash Card provide 2% cash back on all purchases, while others may offer 1.5% cash back.

    • No Annual Fees: Many cards for a 680 score, such as the Capital One QuicksilverOne and Upgrade Cash Rewards, have zero annual fees, letting you keep more of your rewards.

    • Introductory Offers: Some cards offer sign-up bonuses if you meet a spending requirement within the first few months.

    • Points Rewards: Cards like Chase Freedom Unlimited let you earn points for travel or other benefits.

    • Low Interest Rates: Many cards will offer competitive interest rates, saving you money if you carry a balance.

    In a nutshell, with a 680 credit score, you can access decent cash back, no annual fees, introductory offers, points rewards, and competitive interest rates. Always check individual card terms to find the best fit.

    How Do Low Apr Credit Cards Work For Those With A 680 Credit Score?

    Low APR credit cards are great tools if you have a 680 credit score. With a 680 score, you can qualify for many options, although the best rates might be out of reach. These cards offer lower-than-average interest rates, making borrowing cheaper over time.

    When you apply, issuers look at your credit score, income, and debt. With a 680 score, you will get reasonable rates, though not the best ones. Your credit limit might also be lower compared to those with higher scores.

    Managing the card well means making timely payments to avoid fees and keep interest low. This helps you save money and can boost your credit score. As your score improves, you could qualify for even better cards with lower rates.

    All in all, focus on timely payments and responsible use to make the most of your low APR card and potentially enhance your credit score. If you're curious about more options, check out our section on "What credit cards can I qualify for with a 680 credit score?" for further insights.

    Potential Drawbacks Of Credit Cards For A 680 Credit Score

    Credit cards, even for you with a 680 credit score, have potential drawbacks. Here are the key issues to consider:

    • Higher Interest Rates: You may face higher interest rates compared to those with better credit scores. If you carry a balance, this can lead to significant interest charges.

    • Limited Rewards and Benefits: Credit cards available to you might offer fewer rewards or perks. Cards that provide better cash back or travel benefits often require higher credit scores.

    • Risk of Debt Accumulation: Your credit limit may not be very high, leading you to overspend. Accumulating debt can harm your financial stability and credit score.

    • Impact on Your Credit Utilization: Using a large portion of your credit limit can negatively impact your credit score. Aim for a utilization ratio below 30% to maintain and improve your rating.

    • Fees: Some credit cards come with annual fees or other charges that can add up over time. Make sure you understand all fees associated with any card you consider.

    • Potential for Mistakes: If mismanaged, credit cards can lead to late payments, which hurt your credit score. Always pay on time to avoid penalties and interest.

    The gist of it is that while credit cards can offer many benefits, you need to be aware of these potential drawbacks to make an informed choice.

    How Does A 680 Credit Score Impact My Credit Card Application?

    A 680 credit score positively impacts your credit card application, placing you in the "good" range. With this score, you are likely eligible for various credit cards, including unsecured options. Lenders generally view you as a responsible borrower, which increases your chances of getting approved.

    However, some issuers might reserve their best offers for scores around 700 or above. This means you may miss out on lower interest rates and premium benefits. Still, your 680 score opens many doors for credit card options.

    Consider using tools like Cushion to monitor and improve your credit score. Making timely payments and maintaining low balances can further boost your score. At the end of the day, aim higher to unlock even better deals and financial opportunities.

    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.

    Which Credit Cards Report To Credit Bureaus For A 680 Credit Score Holder?

    For a holder of a 680 credit score, several credit cards report to credit bureaus. Here’s a concise list of issuers that report to the main credit bureaus like Experian, TransUnion, and Equifax:

    • American Express – Reports FICO scores; you receive updates.
    • Discover – Offers FICO score reporting to you.
    • Citi – Provides credit score information based on your accounts.
    • Chase – Reports VantageScore and offers helpful insights.
    • Capital One – Offers VantageScore 3.0 reporting and educational tools.
    • Bank of America – Provides FICO Score 8 based on your TransUnion data.

    These issuers not only provide credit scores but also resources to help you manage your credit effectively. With a 680 score, you're generally eligible for good credit cards. Consider choosing cards that align with your financial goals and offer rewards. The regular reporting from these cards ensures your credit activity is tracked, which is vital for maintaining or improving your score.

    Lastly, choose a credit card that fits your needs and take advantage of the reporting and resources to boost your credit score.

    What Should I Know About Cash Back Offers For A 680 Credit Score?

    When it comes to cash back offers for a 680 credit score, you can expect some solid options. You will likely qualify for several cash back credit cards that provide a percentage of your purchases as a return, typically ranging from 0.25% to 1%.

    The Chase Freedom Unlimited card is a prime example. This card rewards you with 3% cash back on everyday purchases at drugstores and restaurants. If you use the card for routine expenses, these rewards can add up quickly.

    Managing these cards responsibly is key to improving your credit score further. You should pay your balance in full each month to benefit from cash back without accruing interest, which can help strengthen your credit profile.

    You should note that using cash back offers does not negatively impact your credit score. Consistently using a card that offers cash back and paying it off can actually contribute positively to your creditworthiness. Just be careful not to overspend.

    Finally, if you're curious about other options, explore how low APR credit cards or balance transfer cards can work for your credit score. These options may provide additional financial flexibility and strategies to enhance your credit standing.

    Can I Get A Balance Transfer Credit Card With A 680 Credit Score?

    Yes, you can get a balance transfer credit card with a 680 credit score. This score is considered "fair credit," making you eligible for some options, but not all of the best cards.

    For example, the TDECU Classic Mastercard® offers a 0% introductory APR for 12 months and accepts applicants with fair credit. It has no annual fee and no transfer fee.

    Keep in mind, not all balance transfer cards will approve a 680 credit score. Many top cards require a higher score, often around 700. Applying for such cards might generate a hard inquiry, which can temporarily lower your score.

    If you don’t get a high enough credit limit to cover your full balance transfer, focus on paying down higher-interest debt first. Improving your score might qualify you for better options later. Regularly check your credit report to spot issues and monitor progress. Manage your credit utilization and payment history effectively, as these are crucial for your score.

    Big picture, focus on improving your credit score by managing debt and making timely payments to open up more options for balance transfer cards in the future.

    What Factors Do Lenders Consider For A 680 Credit Score Applicant?

    Lenders consider several key factors when evaluating a 680 credit score applicant. First, they look at your payment history to see if you consistently pay your bills on time. They also examine your credit utilization rate, which is the amount of credit you use compared to your total available credit. Keeping this below 30% is beneficial.

    Your credit history length is another important factor. A longer credit history provides a clearer picture of your borrowing behavior. Lenders also assess your credit mix, including different types of credit accounts like credit cards, mortgages, and installment loans.

    Your debt-to-income ratio is critical as well. This ratio compares your monthly debt payments to your gross monthly income. A lower ratio indicates you can manage more debt responsibly. Lastly, lenders check for recent hard inquiries on your credit report, as too many can signal risk.

    Overall, lenders focus on your payment history, credit utilization, credit history length, credit mix, debt-to-income ratio, and hard inquiries when assessing your application with a 680 credit score.

    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.

    Are There Any Special Promotions For Credit Cards Aimed At 680 Credit Scores?

    Yes, there are special promotions for credit cards aimed at individuals with a 680 credit score. Many credit card issuers target this score range with specific offers, such as bonus rewards, introductory 0% APR periods, and cash back incentives. You should compare options as these promotions can vary by issuer and card type.

    For example, some cards might provide bonus points if you spend a certain amount within the first few months. You may also find cards that match your cash back earnings at the end of your first year. Several travel credit cards tailored for consumers with fair to good credit also come with promotional offers.

    To find these promotions, you should regularly check credit card comparison sites or the official websites of major issuers. Look for cards aimed at the 670 to 739 credit score range to maximize your chances of qualifying for these offers.

    Additionally, you should consider factors like annual fees, interest rates, and other benefits beyond just the promotional offer. Reviewing related sections in our article, especially on top credit card options for a 680 credit score and potential drawbacks of these cards, can help enhance your understanding and decision-making.

    As a final point, always compare multiple offers and focus on long-term benefits to make the best choice for your financial situation.

    How Do Credit Limit Increases Work For Credit Card Holders With A 680 Score?

    If you have a 680 credit score, a credit limit increase can happen in a few ways. When you request an increase, your issuer might do a hard inquiry on your credit report, which may slightly lower your score temporarily. If your issuer raises your limit automatically, it usually involves a soft inquiry, which won’t affect your score.

    A higher credit limit can improve your credit utilization ratio. If your limit rises and you keep balances low, your utilization percentage drops, which can positively impact your credit score.

    You should inform your issuer of any income changes. A higher income can boost your chances of securing a credit limit increase. If your request is denied, it’s best to wait before asking again to avoid multiple hard inquiries that can further reduce your score.

    To put it simply, manage your credit limit increases by keeping spending in check, paying bills on time, and being mindful of how often you request increases. This helps improve your credit utilization and ultimately boosts your credit score.

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