YOUR DIGIT · FILED
640
Fair Credit · 9 cards matched
CASH BACK DESK · APPROVAL ODDS
Best cash back cards for a 640 score.
These cash back credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.
TIER
Fair Credit
ODDS
Moderate — several no-fee cash back and rewards cards available
DATELINE
Apr 6, 2026
DOSSIER
What 640 means.
At 640, you are solidly in the fair credit range with a growing number of card options. Many no-annual-fee cash back and student cards are within reach. Focus on keeping utilization below 30% and maintaining a clean payment record to keep climbing.
SECTION
Cash Back for 640+ Scores
ENTRY
01
CHASE · VISA
Chase Freedom Rise1.5% cash back on all purchases
— No annual fee and no credit history required— Flat 1.5% cash back on everything— Automatic credit line reviews after 6 months- FEE
- $0
- APR
- 24.49–31.24%
- MIN SCORE
- 580
ENTRY
02
CAPITAL ONE · MASTERCARD
Capital One QuicksilverOne Cash Rewards Credit Card1.5% cash back on all purchases
— 1.5% cash back on every purchase— Build credit with responsible use— Automatic credit line reviews- FEE
- $39
- APR
- 26.99–26.99%
- MIN SCORE
- 580
ENTRY
03
CAPITAL ONE · VISA
Capital One Quicksilver Student Cash RewardsBONUS → $50 bonus ($50)
1.5% cash back on all purchases
— 1.5% cash back on every purchase— No annual fee— Earn $25 late payment forgiveness- FEE
- $0
- APR
- 19.24–29.24%
- MIN SCORE
- 580
ENTRY
04
DISCOVER · DISCOVER
Discover it Student Cash BackBONUS → $20 Good Grades bonus each year GPA is 3.0+ ($20/year + Cashback Match)
1% cash back on all purchases
— 5% rotating quarterly bonus categories— Cashback Match doubles all cash back in the first year— $20 statement credit each school year for GPA of 3.0 or higher- FEE
- $0
- APR
- 17.24–26.24%
- MIN SCORE
- 580
ENTRY
05
DISCOVER · DISCOVER
Discover it Secured Credit CardBONUS → Cashback Match (all cash back earned matched at end of first year) ($50+)
1% cash back on all purchases
— Earns cash back even as a secured card— Cashback Match doubles all cash back in the first year— No annual fee- FEE
- $0
- APR
- 28.24–28.24%
- MIN SCORE
- 300
ENTRY
06
DISCOVER · DISCOVER
Discover it Student ChromeBONUS → $20 Good Grades bonus each year GPA is 3.0+ ($20/year + Cashback Match)
1% cash back on all purchases
— 2% back at gas stations and restaurants— Cashback Match doubles all cash back in the first year— $20 statement credit each school year for GPA of 3.0 or higher- FEE
- $0
- APR
- 17.24–26.24%
- MIN SCORE
- 580
ENTRY
07
BANK OF AMERICA · VISA
Bank of America Customized Cash Rewards for StudentsBONUS → $200 bonus ($200)
1% cash back on all purchases
— 3% back in the category of your choice— 2% back at grocery stores and wholesale clubs— No annual fee- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 580
ENTRY
08
BANK OF AMERICA · VISA
Bank of America Unlimited Cash Rewards for StudentsBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on every purchase— No annual fee— Designed for students building credit- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 580
ENTRY
09
CHASE · VISA
Chase Freedom Student Credit CardBONUS → $50 bonus after first purchase ($50)
1% cash back on all purchases
— No annual fee and no minimum credit history— 1% cash back on every purchase— $20 Good Standing reward each anniversary for first 5 years- FEE
- $0
- APR
- 22.49–29.24%
- MIN SCORE
- 580
QUESTIONS · ANSWERS
Frequently filed.
With a 640 credit score (Fair Credit), you have 9 cash back card options. Our top pick is the Chase Freedom Rise, which offers 1.5% cash back on all purchases.