Is a 640 credit score good enough for a dining card?

A 640 score is considered fair credit. Moderate — several no-fee cash back and rewards cards available. We found 1 cards in this category that accept your score range.

Will applying for a credit card hurt my 640 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.

640

Fair Credit · 1 cards matched

Best dining cards for a 640 score.

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

Fair Credit

Moderate — several no-fee cash back and rewards cards available

Apr 6, 2026

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.

Dining for 640+ 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 640 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.