Will applying for a credit card hurt my 620 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.

620

Fair Credit · 1 cards matched

Best dining cards for a 620 score.

Q: Is a 620 credit score good enough for a dining card?

A 620 score is considered fair credit. Moderate — eligible for entry-level unsecured cards and some cash back options. We found 1 cards in this category that accept your score range.

These dining credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.

Fair Credit

Moderate — eligible for entry-level unsecured cards and some cash back options

Apr 6, 2026

What 620 means.

A 620 score puts you in the fair credit range. You have crossed out of poor territory and can now qualify for some unsecured credit cards, including several cash back options with no annual fee. Consistent responsible use from here builds momentum quickly.

Dining for 620+ Scores

ENTRY
01
DISCOVER · DISCOVER
Discover it Student Chrome
BONUS → $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
Apply →READ THE FULL REVIEW →

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 620 credit score (Fair Credit), you have 1 dining card options. Our top pick is the Discover it Student Chrome, which offers 1% cash back on all purchases.