Is 676 a Good Credit Score?

A credit score of 676 is considered to be a fair credit score

Credit scores typically range from 300 to 850, and the higher the score, the better. A score of 676 falls within the range of 670 to 739, which is generally considered to be a “good” credit score.However, keep in mind that credit score ranges and classifications may vary depending on the credit bureau or lender. Additionally, a credit score is just one of the many factors that lenders consider when evaluating a loan or credit application. Other factors, such as income, employment history, and debt-to-income ratio, can also play a role in the decision-making process.

In general, having a credit score of 676 may make it possible to qualify for credit, but it may also result in higher interest rates and less favorable terms compared to someone with a higher credit score. It’s always a good idea to monitor your credit score and take steps to improve it if necessary.

What types of credit cards can I apply for with a 676 credit score?

With a credit score of 676, you may be able to qualify for some credit cards, but the available options and terms may not be as favorable as they would be with a higher credit score. Here are some credit cards that you may be able to consider applying for:

Capital One Platinum Credit Card. This card is designed for people with average credit, which typically means a FICO score between 580 and 669. It offers no annual fee, but comes with a few basic benefits, such as fraud coverage, the ability to choose your monthly due date, and access to Capital One CreditWise, which is a credit monitoring service that can help you track your credit score and monitor your credit report for signs of fraud. It may also offer access to a higher credit limit after making your first five monthly payments on time.
Discover it Secured Credit Card. This card is a good option for people who are looking to build or rebuild their credit. It requires a security deposit of at least $200, which becomes your credit limit. Because the deposit reduces the lender’s risk, this card may be more accessible to people with poor credit or no credit history. This card offers 2% cash back on up to $1,000 in combined purchases each quarter at gas stations and restaurants, and 1% cash back on all other purchases. Discover will also match all the cash back you’ve earned at the end of your first year as a cardmember.
Credit One Bank Platinum Visa. This card is designed for people with a FICO score between 580 and 669. This card offers cash back rewards on eligible purchases, which can be a nice perk if you’re looking to earn rewards while building your credit. The rewards rate and categories may vary depending on the card, so it’s important to read the terms and conditions carefully before applying. This card may come with an annual fee, which can vary depending on the card and your credit profile. However, some cards may waive the annual fee for the first year, which can help you save money upfront.
OpenSky Secured Visa Credit Card. This card is a secured credit card, which means that you’ll need to make a security deposit when you apply. There are no credit score requirements, so this card can be a good option if you’re working to establish credit or rebuild your credit history. This card doesn’t offer rewards, but it does come with some benefits, such as fraud protection, a personalized credit score dashboard, and the ability to set up automatic payments. OpenSky reports your credit activity to all three major credit bureaus (Experian, Equifax, and TransUnion), which can help you build or rebuild your credit history over time if you use the card responsibly and make your payments on time.
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