What Are the Best Credit Cards for a 670 Score?

As an English credit card expert, I am often asked about the best credit cards for specific credit scores. For those with a 670 credit score, there are several options that can provide great rewards and benefits. Let's take a closer look at some of the top credit cards for a 670 score.

1. Chase Freedom Unlimited

The Chase Freedom Unlimited is an excellent choice for those with a 670 credit score. This card offers unlimited 1.5% cash back on all purchases, with no annual fee. Additionally, new cardholders can earn a $200 bonus after spending $500 in the first three months. The Chase Freedom Unlimited also offers a 0% intro APR for 15 months on purchases and balance transfers.

2. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is another great option for those with a 670 credit score. This card offers unlimited 1.5% cash back on all purchases, with no annual fee. New cardholders can also earn a $200 cash bonus after spending $500 in the first three months. Additionally, the Capital One Quicksilver Cash Rewards Credit Card offers a 0% intro APR for 15 months on purchases and balance transfers.

3. Discover it Cash Back

The Discover it Cash Back card is a popular choice for those with a 670 credit score. This card offers 5% cash back on rotating categories throughout the year, up to $1,500 in purchases each quarter. All other purchases earn 1% cash back. New cardholders can also earn a dollar-for-dollar match of all cash back earned in the first year. The Discover it Cash Back card has no annual fee and offers a 0% intro APR for 14 months on purchases and balance transfers.

4. Citi Double Cash Card

The Citi Double Cash Card is a great option for those looking for a straightforward cash back card. This card offers 2% cash back on all purchases, with no annual fee. Cardholders earn 1% cash back on purchases and an additional 1% cash back as they pay for those purchases. The Citi Double Cash Card also offers a 0% intro APR for 18 months on balance transfers.

Tips for Applying for Credit Cards

When applying for credit cards, it's important to keep in mind a few key tips. First, make sure to check your credit score before applying. This can help you determine which cards you are likely to be approved for. Additionally, make sure to only apply for cards that fit your spending habits and needs. Applying for too many cards at once can also hurt your credit score, so it's best to space out your applications. Finally, make sure to read the terms and conditions of each card carefully, including any fees or restrictions.

Saving Money with Credit Cards

Credit cards can also be a great way to save money. Many cards offer cash back or rewards on specific categories, such as groceries or gas. Additionally, some cards offer discounts or rewards for specific retailers or services. It's important to take advantage of these benefits and use your card strategically to maximize your savings.

Avoiding Fees and Risks

While credit cards can be a great tool, it's important to be aware of any fees or risks associated with them. Many cards charge annual fees or balance transfer fees, which can add up over time. Additionally, carrying a balance on your card can lead to high interest charges. It's important to pay your balance in full each month to avoid these fees and keep your credit score in good standing. Finally, be aware of any potential scams or fraud when using your card online or in-person.

Credit Card Recommendations

When choosing a credit card, it's important to consider your individual needs and spending habits. Some cards may offer great rewards for dining out or shopping at specific stores, while others may offer a flat rate cash back on all purchases. It's also important to consider any annual fees or other fees associated with the card. Ultimately, the best credit card for you will depend on your individual circumstances and preferences.