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

A 640 score is considered fair credit. Moderate — several no-fee cash back and rewards cards available. We found 4 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 · 4 cards matched

Best secured cards for a 640 score.

These secured 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.

Secured for 640+ Scores

ENTRY
01
CAPITAL ONE · MASTERCARD
Capital One Platinum Secured Credit Card
No rewards
— Refundable security deposit starting at $49— No annual fee— Build credit with responsible use
FEE
$0
APR
30.74–30.74%
MIN SCORE
300
Apply →READ THE FULL REVIEW →
ENTRY
02
DISCOVER · DISCOVER
Discover it Secured Credit Card
BONUS → Cashback Match (all cash back earned matched at end of first year) ($50+)
1% cash back on all purchases
— Earns cash back even as a secured card— Cashback Match doubles all cash back in the first year— No annual fee
FEE
$0
APR
28.24–28.24%
MIN SCORE
300
Apply →READ THE FULL REVIEW →
ENTRY
03
CITI · MASTERCARD
Citi Secured Mastercard
No rewards
— Build credit with a refundable $200 minimum security deposit— No annual fee— Reports to all three credit bureaus monthly
FEE
$0
APR
25.74–25.74%
MIN SCORE
300
Apply →READ THE FULL REVIEW →
ENTRY
04
OPENSKY · VISA
OpenSky Secured Visa Credit Card
No rewards
— No credit check required to apply— Reports to all three major credit bureaus— Choose deposit from $200 to $3,000
FEE
$35
APR
22.64–22.64%
MIN SCORE
300
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 4 secured card options. Our top pick is the Capital One Platinum Secured Credit Card, which offers No rewards.