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 · 0 cards matched

Best rewards cards for a 640 score.

Q: Is a 640 credit score good enough for a rewards card?

A 640 score is considered fair credit. Moderate — several no-fee cash back and rewards cards available. You may want to consider building your score first.

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

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.

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 640 credit score, rewards card options may be limited. Consider building your score or looking at secured card options.