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 · 0 cards matched

Best premium cards for a 680 score.

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

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

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.

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

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