Best Credit Card for 620 Credit Score 2026
With a 620 credit score, you’re in the “fair” range. Your best options are secured cards and credit-builder cards that report to all three bureaus.
Discover it Secured Credit Card
Best secured card with real rewards — 2% at restaurants and gas stations, and your deposit is fully refundable.
- Rewards: 2% dining/gas, 1% other
- Annual Fee: $0
- Welcome Bonus: Cashback Match at end of year 1
Capital One Platinum Secured
Lower minimum deposit ($49, $99, or $200) with a path to regular Platinum card after responsible use.
- Rewards: No rewards
- Annual Fee: $0
- Welcome Bonus: None
OpenSky Secured Visa
No credit check required — ideal for rebuilding credit with any score.
- Rewards: No rewards
- Annual Fee: $35/year
- Welcome Bonus: None
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Discover it Secured | 2% dining/gas | $0 | Rewards + rebuilding |
| Capital One Platinum Secured | None | $0 | Low deposit option |
| OpenSky Secured Visa | None | $35 | No credit check needed |
How to Choose
At 620, a secured card is your most reliable path. The Discover it Secured offers the best combination of low cost, real rewards, and a clear upgrade path.
Frequently Asked Questions
Can I get an unsecured card with 620?
Possibly, but options are limited and often come with high fees. A secured card is usually a smarter choice.
How much do I need to deposit for a secured card?
Typically $200–$500. The Discover it Secured and Capital One Platinum Secured start at $200.
Will a secured card hurt my credit?
No — if used responsibly, a secured card actively helps your credit by adding positive payment history.