7 Best Credit Cards for 600 Credit Score and No Deposit

Chase Freedom Rise does not require a credit history for approval. Therefore, even if your credit score is below the mark, you can still apply for the card and get approved. This card is designed exclusively for those who want to rebuild or build their credit from scratch. However, you will need to use the card responsibly to do so.

You can sign up for automatic payments which can help you to avoid missing any payments while earning you $25 as a statement credit upon joining. You can use their Chase Credit Journey service to track your credit for free. Along with building up credit, you can even collect a 1.5% cash back on all purchases by using Chase Freedom Rise.

In terms of fees, Chase does not charge any annual fee for its Freedom Rise Credit Card, but there is a foreign transaction fee of 3% and a late payment fee of up to $40.

This is another card by Capital One that does not require a security deposit and can be approved with a ‘fair’ credit score of around 580 and above. It is a card you can use to build up your credit score with responsible use as it reports to the three major credit bureaus. Upon using the card with responsibility, you can be considered for a higher credit line automatically in just 6 months. Moreover, there are no annual fees or foreign transaction fees associated with this card.

Capital One® Platinum Mastercard® is best for users who carry out international transactions often or travel a lot. This is because this card uses Mastercard as its payment network which has the highest acceptance worldwide and is acceptable almost anywhere around the globe.

However, for individuals looking for a card with rewards, Capital One® Platinum Mastercard® is not the best option for them as it offers no cash back rewards, welcome bonuses, or any other kind of benefits to its holders.

Capital One SavorOne card is also a card exclusively for students and they require a ‘fair’ level of credit score at least for approval. This is because students generally do not have a high score or an established credit history. They can apply for this card even if their credit is around 580 or above. Moreover, Capital One SavorOne Rewards Card offers the best cash back rewards for students to enjoy in various categories.

The SavorOne comes with an unlimited cash back of 3% on categories including dining, grocery stores, online streaming services, and entertainment. You can get a higher cash back reward of 10% on Uber and Uber Eats, 8% on entertainment purchases, and 5% on hotels and rental cars. On all other purchases, you can get an unlimited 1% cashback.

This card is free from any annual fees, foreign transaction fees, and security deposits which makes it more convenient for students to manage the expenses of this card easily.

Capital One Quicksilver Card for Students is one of the best no-deposit cards to get for a 600 credit score and a limited credit history of less than 3 years. It requires a minimum credit that is of a ‘fair’ level, which generally starts at 580. Moreover, the card’s various cash back rewards make it a good choice for students.

Holders of the Quicksilver Credit Card can avail an unlimited 1.5% cash back on every purchase. On paying for Uber and Uber Eats through this card, students can earn back 10% of the purchase; whereas, on hotels and rental cars, they can earn a cash back of 5%. There is also a $50 cash bonus offered on spending $100 within the first 90 days of opening the account.

The rewards earned can be redeemed in various ways and it has no annual or foreign transaction fees either.

Students with any level of credit score or those with none can all easily apply for Discover It® Student Cash Back as it does not require a minimum credit for approval. It is an unsecured credit card for students that does not require a security deposit, any annual fee, or a foreign transaction fee. For the first six months, the card charges 0% APR.

Using the Discover It® Student Cash Back, students can earn 5% cash back on purchases at grocery stores, restaurants, and gas stations every quarter. Moreover, 1% cash back is automatically earned on all other purchases and you can redeem the rewards earned through PayPal as well. At the end of the first year, the cardholders receive a dollar-for-dollar cash back match which doubles the total cashback they earned in their first year.

Surge® Platinum Mastercard® is another product by Continental Finance with features the same as their Reflex® card. Surge® Platinum is a good card for people with any credit score. People with average credit or below are also able to get approved for this product.

Being a Mastercard, Surge® Platinum allows worldwide accessibility as this payment network is usable for transactions worldwide. However, it comes with a maximum spending limit of $1000 which might be limiting. If you make on-time payments on your card and remain below the spending limits for 6 months continuously, you can double up your maximum spending limit.

Surge® Platinum Mastercard® does not offer any rewards and it also has an above average annual fees and maintenance fees associated with it. This makes it an expensing card to manage.

Reflex® Platinum Mastercard® is one of the no-deposit credit cards offered by Continental Finance for people who have an average or poor credit score. However, for low credit scores, it allows a lower credit limit initially of up to $1000, and after 6 months of responsible card use, the spending limit can be doubled.

Reflex® Platinum Mastercard® reports to all three major credit bureaus including TransUnion, Experian, and Equifax, which can help build up your credit score. Through your Reflex Mastercard account, you can even track your credit scroll on a monthly basis through e-statements of your credit card.

Even though this card requires no security deposits, it does charge a hefty annual fee of at least $75 which increases further after the first year. Along with high annual fees, it also charges maintenance fees and foreign transaction fees which makes this quite an expensive option.