Will applying for a credit card hurt my 580 credit score?

Most credit card applications result in a hard inquiry, which typically lowers your score by 5-10 points temporarily. The impact diminishes over 12 months and falls off your report after 2 years. Only apply for cards you're confident you'll be approved for.

580

Poor Credit · 0 cards matched

Best balance transfer cards for a 580 score.

Q: Is a 580 credit score good enough for a balance transfer card?

A 580 score is considered poor credit. Low — limited to secured cards and subprime offers with higher fees. You may want to consider building your score first.

No balance transfer cards currently match this score. Try a different desk or build your file with a secured option.

Poor Credit

Low — limited to secured cards and subprime offers with higher fees

Apr 6, 2026

What 580 means.

A 580 score falls in the poor credit range. You may have late payments, high utilization, or limited credit history pulling your score down. Most mainstream credit cards will be out of reach, but secured cards and credit-builder products are designed specifically for this range.

No cards match this criteria. Try a different category or score.

Try another digit.

580

Poor Credit

600

Poor Credit

620

Fair Credit

640

Fair Credit

650

Fair Credit

660

Good Credit

670

Good Credit

680

Good Credit

700

Very Good Credit

720

Very Good Credit

740

Very Good Credit

760

Excellent Credit

780

Excellent Credit

Frequently filed.

With a 580 credit score, balance transfer card options may be limited. Consider building your score or looking at secured card options.