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 · 0 cards matched

Best premium cards for a 620 score.

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

A 620 score is considered fair credit. Moderate — eligible for entry-level unsecured cards and some cash back options. You may want to consider building your score first.

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

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.

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

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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, premium card options may be limited. Consider building your score or looking at secured card options.