Will applying for a credit card hurt my 680 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.

680

Good Credit · 8 cards matched

Best dining cards for a 680 score.

Q: Is a 680 credit score good enough for a dining card?

A 680 score is considered good credit. Good — strong approval odds for most rewards cards and some premium options. We found 8 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.

Good Credit

Good — strong approval odds for most rewards cards and some premium options

Apr 6, 2026

What 680 means.

At 680, you are well-positioned in the good credit range and approaching the threshold for premium card consideration. You have access to strong travel and cash back cards, competitive APRs, and generous welcome offers from most major issuers.

Dining for 680+ Scores

ENTRY
01
CAPITAL ONE · VISA
Capital One SavorOne Cash Rewards Credit Card
BONUS → $200 bonus ($200)
1% cash back on all purchases
— No annual fee with 3% on dining, entertainment, and groceries— 0% intro APR for 15 months— 5% cash back through Capital One Travel
FEE
$0
APR
19.24–29.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
02
CITI · MASTERCARD
Citi Custom Cash Card
BONUS → $200 bonus ($200)
1% cash back on all purchases
— Automatic 5% back on your top spending category each billing cycle— No annual fee— 0% intro APR for 15 months on purchases and balance transfers
FEE
$0
APR
18.24–28.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
03
DISCOVER · DISCOVER
Discover it Chrome
BONUS → Cashback Match (all cash back earned matched at end of first year) ($100+)
1% cash back on all purchases
— 2% back at gas stations and restaurants (up to $1,000/quarter)— Cashback Match doubles all cash back in the first year— 0% intro APR for 15 months
FEE
$0
APR
17.24–28.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
04
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 →
ENTRY
05
BANK OF AMERICA · VISA
Bank of America Customized Cash Rewards Credit Card
BONUS → $200 bonus ($200)
1% cash back on all purchases
— 3% back in the category of your choice (change anytime)— 2% back at grocery stores and wholesale clubs— 0% intro APR for 15 billing cycles
FEE
$0
APR
18.24–28.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
06
WELLS FARGO · VISA
Wells Fargo Autograph Card
BONUS → 20,000 points ($200)
1x points on all purchases
— 3x points on restaurants, travel, gas, transit, streaming, and phone plans— No annual fee— Cell phone protection up to $600
FEE
$0
APR
20.24–29.99%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
07
U.S. BANK · VISA
U.S. Bank Altitude Go Visa Signature Card
BONUS → 25,000 points ($250)
1x points on all purchases
— 4x points on dining including takeout and delivery— No annual fee— 0% intro APR on purchases for 15 billing cycles
FEE
$0
APR
18.74–29.74%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
08
WELLS FARGO · MASTERCARD
Bilt Mastercard
1x points on all purchases
— Only card that earns points on rent with no fees— Transfer points to airline and hotel partners (Hyatt, AA, United, etc.)— 3x on dining, 2x on travel
FEE
$0
APR
21.24–29.99%
MIN SCORE
670
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 680 credit score (Good Credit), you have 8 dining card options. Our top pick is the Capital One SavorOne Cash Rewards Credit Card, which offers 1% cash back on all purchases.