Best Credit Cards for a 640 Credit Score (2026)

A 640 credit score sits in the upper fair credit range — close to the good credit threshold (670+). At this level, you have access to unsecured cards with rewards and reasonable terms. You may also qualify for store cards and some balance transfer offers. Take our quiz to get personalized recommendations.

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Top Recommended Cards

Capital One

Platinum Credit Card

4.5 ★
APR28.99%
Annual Fee$0
RewardsNone
  • No annual fee, no foreign transaction fees
  • Automatic credit line review after 6 months
  • Access to CreditWise free credit monitoring
Check Eligibility
Approval odds:
High
Capital One

QuicksilverOne Cash Rewards

4.3 ★
APR28.99%
Annual Fee$39
Rewards1.5% cash back
  • Unlimited 1.5% cash back on every purchase
  • 5% cash back at Capital One Entertainment
  • No foreign transaction fees
Check Eligibility
Approval odds:
Good
Capital One

SavorOne for Fair Credit

4.2 ★
APR28.99%
Annual Fee$39
Rewards1%–3% cash back
  • 3% cash back on dining, entertainment, groceries
  • 1% on all other purchases
  • No foreign transaction fees
Check Eligibility
Approval odds:
Good
Discover

it® Secured Credit Card

4.6 ★
APR28.24%
Annual Fee$0
Rewards1%–2% cash back
Deposit$200 min
  • 2% cash back at gas & restaurants (up to $1K/qtr)
  • Cashback Match: dollar-for-dollar first year
  • Auto review for unsecured upgrade at 7 months
Check Eligibility
Approval odds:
Very High
Capital One

Quicksilver Secured

4.3 ★
APR28.99%
Annual Fee$0
Rewards1.5% cash back
Deposit$200 min
  • Unlimited 1.5% cash back on every purchase
  • No credit score needed to apply
  • Refundable $200 minimum deposit
Check Eligibility
Approval odds:
Very High

Frequently Asked Questions

Yes. Several cards accept applicants with a 640 credit score. The cards listed above are specifically chosen for this score range. Start with a secured card if you've been denied before.
With consistent on-time payments and keeping utilization below 30%, you can see improvement within 30-60 days. Moving from fair to good credit (670+) typically takes 6-12 months of responsible use.
Pre-qualification uses a soft pull that doesn't affect your score. Only a formal application triggers a hard inquiry, which may temporarily lower your score by a few points. Always check eligibility first.

Tips to Improve Your Credit Score

1. Pay On Time, Every Time

Payment history is 35% of your FICO score. Set up autopay for at least the minimum due.

2. Keep Utilization Below 30%

Use less than 30% of your available credit. Lower is better — aim for under 10%.

3. Don't Close Old Accounts

Older accounts improve your average age of credit. Keep them open even if unused.

4. Monitor Your Progress

Use free tools like Credit Karma or your card's built-in monitoring to track improvements.

Related Guides

Best Credit Cards for a 580 Credit Score Best Credit Cards for a 600 Credit Score Best Credit Cards for a 669 Credit Score Best Credit Cards for 580 Score Best Credit Cards for 600 Score Best Credit Cards for 640 Score

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