7 Best Credit Cards for 600 Credit Score and No Deposit
If you don’t have perfect credit, you can still apply for a credit card. A credit score of 600 is generally considered to be in the "fair" range and you may qualify for a credit card, but likely not those with premium rewards or low interest rates. Here are our top recommendations for credit cards for 600 credit score and no deposit.

There are many unsecured credit cards available for a 600 credit score. The easiest no-deposit cards to get with a below-average credit are the ones that are specifically for building credit like the Chase Freedom Rise™ Credit Card. These types of cards are designed for individuals who want to either rebuild their credit or start from scratch. This is the reason why they have a lower minimum credit requirement.
Apart from credit builder cards, student credit cards also do not require a high credit score for approval. In fact, some of them do not have any minimum credit score requirement and everyone is welcome to apply as long as they are a college student and they meet the minimum age requirement.
We’ve rounded up a list of the best credit cards for 600 credit score with no deposit and have included their best features, pros, cons, and eligibility requirements. Most of these cards also come with rewards and benefits like cash back offers, travel benefits, and welcome bonuses.
Best Unsecured Credit Cards for 600 Credit Score
Lender | Scholaroo rating | Regular APR | Credit Score |
---|---|---|---|
![]() Chase Freedom Rise™ Credit Card Best for rewards without an annual fee Visit website | 26.74% | N/A | |
![]() Capital One® Platinum Mastercard® The best secured card with low deposit Visit website | 29.99% | 580+ | |
![]() Capital One SavorOne Student Cash Rewards Best for overall rewards Visit website | 19.99% - 29.99% | 580+ | |
![]() Capital One Quicksilver Student Cash Rewards Best for cashback rewards Visit website | 19.99% - 29.99% | 580+ | |
![]() Discover It® Student Cash Back Best for cash back rewards Visit website | 17.99% - 26.99% | N/A | |
![]() Surge® Platinum Mastercard® Good for building credit Visit website | 29.99% | 300+ | |
![]() Reflex® Platinum Mastercard® Best for poor credit Visit website | 29.99% | 300+ |

Chase Freedom Rise™ Credit Card
Best for rewards without an annual fee

Capital One® Platinum Mastercard®
The best secured card with low deposit

Capital One SavorOne Student Cash Rewards
Best for overall rewards

Capital One Quicksilver Student Cash Rewards
Best for cashback rewards

Discover It® Student Cash Back
Best for cash back rewards

Surge® Platinum Mastercard®
Good for building credit

Reflex® Platinum Mastercard®
Best for poor credit
1. Chase Freedom Rise™ Credit Card
2. Capital One® Platinum Mastercard®
3. Capital One SavorOne Student Cash Rewards
4. Capital One Quicksilver Student Cash Rewards
5. Discover It® Student Cash Back
6. Surge® Platinum Mastercard®
7. Reflex® Platinum Mastercard®
Can You Get a Credit Card With a 600 Credit Score?
A credit score of 600 is generally considered to be in the “fair” range. With this score, you may be able to qualify for a credit card, but likely not those with premium rewards or low-interest rates.
Your best option may be a secured credit card. These cards require a cash deposit that serves as collateral and usually becomes your credit limit. They are designed to help individuals with lower credit scores build or rebuild their credit.
With a 600 credit score, you may face higher interest rates and annual fees. These terms reflect the lender’s perception of a higher risk associated with lending to someone with a fair credit score.
If you have a low credit score, you should carefully research and select a card that is designed for individuals in your credit range. Secured credit cards can be a good choice as they often have more lenient approval criteria.
Focus on building your credit by making timely payments and keeping balances low. Once your credit improves, you may qualify for cards with better terms and benefits.
What’s the Difference Between a Secured Card and an Unsecured Credit Card?
There are a few key differences between secured and unsecured credit cards. Let’s break it down into categories:
Collateral Requirement
- Secured Credit Card: Requires a cash deposit that serves as collateral. This deposit typically determines the credit limit.
- Unsecured Credit Card: Does not require a cash deposit or collateral. The credit limit is determined by factors like income, credit score, and credit history.
Credit Score Requirements
- Secured Credit Card: Often available to those with lower or no credit scores, making it a suitable option for building or rebuilding credit.
- Unsecured Credit Card: Generally requires a higher credit score. Those with a 600 credit score may qualify, but likely with higher interest rates and fees.
Interest Rates and Fees
- Secured Credit Card: May have higher interest rates and annual fees, reflecting the target audience of those with lower credit scores.
- Unsecured Credit Card: Interest rates and fees vary widely based on the issuer and the applicant’s creditworthiness. Those with higher credit scores may receive better terms.
Credit Building Potential
- Secured Credit Card: Excellent tool for credit building. Responsible usage is reported to credit bureaus, helping to improve credit scores over time.
- Unsecured Credit Card: Also reports to credit bureaus and aids in credit building, but may be less accessible to those with lower credit scores.
Access to Rewards and Benefits
- Secured Credit Card: Typically offers fewer rewards or benefits compared to unsecured cards.
- Unsecured Credit Card: May offer rewards, cash back, or other benefits, especially for those with good to excellent credit scores.
FAQs
What are unsecured credit cards, and how do they differ from secured credit cards?
Unsecured credit cards do not require a cash deposit as collateral, unlike secured credit cards. They are typically offered to individuals with higher credit scores, but there are some designed for those with a 600 credit score. The terms might include higher interest rates and fees.
Can I qualify for an unsecured credit card with a 600 credit score?
Yes, there are unsecured credit cards available for individuals with a 600 credit score. However, they may come with less favorable terms such as higher interest rates or annual fees. Some credit card companies specialize in offering cards to those with fair or rebuilding credit.
What are the interest rates like for unsecured credit cards for a 600 credit score?
Interest rates for unsecured credit cards at this credit score level are typically higher. It reflects the lender’s higher perceived risk. Rates can vary widely depending on the issuer and specific card, so it is wise to shop around. For e.g., the Reflex® Platinum Mastercard® has a rate of 29.99% APR while the Discover It® Student Cash Back credit card has APRs that vary between 17.99% and 26.99%.
What credit card can I get with bad credit and no deposit?
One of the best credit cards for a 600 credit score that does not require a deposit is the Chase Freedom Rise™ Credit Card. This card can help to build or rebuild credit and does not require a credit history to apply.