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What Are the Best Credit Cards for a 680 Credit Score?

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Summary：Discover the best credit cards for a 680 credit score, including rewards, balance transfer, and secured credit cards. Tips for successful application included.

As an English credit card expert, I am happy to provide you with a detailed answer to the question of what are the best credit cards for a 680 credit score. A credit score of 680 is considered a good score, but not excellent. Therefore, you may not be eligible for some of the top-tier credit cards, but there are still plenty of great options available to you.

1. Rewards Credit Cards

If you have a 680 credit score and are looking for a credit card that offers rewards, there are many great options available to you. One of the best rewards cards for this credit score range is the Chase Freedom Unlimited. This card offers a flat 1.5% cashback on all purchases, with no annual fee. Additionally, if you spend $500 in the first three months, you will receive a $200 cashback bonus.

Another great rewards card for a 680 credit score is the Discover it Cash Back card. This card offers 5% cashback in rotating categories and 1% cashback on all other purchases. Additionally, Discover will match all of the cashback you earn in your first year as a cardholder.

2. Balance Transfer Credit Cards

If you are looking to transfer high-interest credit card debt to a card with a lower interest rate, a balance transfer credit card is a great option. The Citi Simplicity Card is an excellent choice for those with a 680 credit score. This card offers a 0% introductory APR for 18 months on balance transfers and purchases. Additionally, there are no late fees or penalty APRs if you miss a payment.

Another option for a balance transfer card is the BankAmericard credit card. This card offers a 0% introductory APR for 18 billing cycles for balance transfers made within the first 60 days of account opening. There is also no annual fee for this card.

3. Secured Credit Cards

If you are working to improve your credit score, a secured credit card can be a great option. These cards require a deposit upfront, which will serve as your credit limit. The Capital One Secured Mastercard is an excellent choice for those with a 680 credit score. This card offers a credit limit of $200 to $3,000, depending on your deposit. Additionally, there is no annual fee for this card.

Another great option for a secured credit card is the Discover it Secured card. This card offers 2% cashback on gas stations and restaurants, up to $1,000 in combined purchases each quarter. Additionally, Discover will match all of the cashback you earn in your first year as a cardholder.

Tips for Applying for a Credit Card

When applying for a credit card, it is essential to choose the right card for your needs and credit score range. Additionally, there are a few things to keep in mind to ensure that your application is successful:

1. Check Your Credit Score Before Applying

Before applying for a credit card, it is essential to check your credit score and make sure that you are applying for cards that are within your credit score range.

2. Apply for Cards One at a Time

Applying for multiple credit cards at once can hurt your credit score and decrease your chances of being approved for any of the cards.

3. Pay Your Bills on Time

Making timely payments on your credit card bills is essential for maintaining a good credit score and increasing your chances of being approved for future credit cards.

4. Be Mindful of Annual Fees

Some credit cards come with annual fees, which can add up over time. Be sure to consider the annual fee when choosing a credit card.

Conclusion

In conclusion, there are many great credit card options available for those with a 680 credit score. Whether you are looking for rewards, balance transfers, or a secured credit card to help improve your credit score, there are plenty of options to choose from. By following the tips for applying for a credit card and being mindful of annual fees, you can make the most of your credit card and avoid any potential risks.

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