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Credit Card Offers For 650 FICO Score

FICO scores represent your credit rating and they range from 300 to 850.  The higher your FICO score the better interest rates you would qualify for, as lenders base their lending on this figure.  You should aim to keep your score as high as possible. 

The factors that affect your credit rating are as follows:

  • Your payment history
  • New credit you apply for and receive
  • Types of credit you use
  • Amount you owe
  • Length of your credit history

Although the average FICO score is 723, a lot of you have been looking for credit card offers for 650 FICO score.  Below is a list of credit cards that recommend a minimum score of around 650.  Information, and terms and conditions can change at any time, so if you see a card you want to apply for, it might be worth checking the details closely to ensure you fit the criteria before applying.

Credit Card Name

Recommended FICO Score

Annual Fee

APR

Continental World MasterCard from Chase

644

$85.00 for World card members; $65.00 for Platinum card members.

7.99% Introductory

Gold Delta SkyMiles® Business Credit Card

 

650

None for first year then $85 per annum

0% for six month

One from American Express

649

None for first year then $35 per annum

14.24% - 16.24%

Chase (Student) Flexible Rewards

 

647

None

0% for 6 months. 18.24% thereafter

Alaska Airlines Visa® Signature Credit Card

 

648

$75

15.24%

Citi Platinum select MasterCard

 

646

None

14.24%

Citi® Bronze®/AAdvantage® MasterCard

 

648

None

18.24%

Mexicana® Airlines Visa® Platinum Plus® Card

 

647

$45

18.24%

Choice Privileges® Visa® Platinum Card

 

651

None

20.24%

Citi® mtvU(TM) Platinum Select® Visa® Card for College Students

 

654

None

0% for 6 months then 17.99%

If you address the five areas that affect your FICO Score and begin increasing your score, there are a lot more credit card offers you can qualify for with slightly better interest rates.


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