If you have a credit score of 655 you drop into the average category. The best credit cards and lowest interest rates are typically reserved for those with credit scores above 700, although you can still get a good deal on a credit card with a credit score in the high six hundreds. If you’re curious as to what your credit score is, you can check your credit score for free.
Fun info: Most people fall into the “good” credit range. According to a Bankrate article by Steve Bucci entitled, “Grading Your FICO Score,” 40 percent of people fall into the middle ranges: 20 percent of the population earn a score between 620 and 690, and another 20 percent receive a score between 690 and 745. Generally, those earning a score above 650 will receive the lowest interest rates, with further reductions for higher scores.
The two best credit cards you could get with a credit score of 655:
Chase Freedom – The Chase Freedom combines some of the best cash rewards (1% back on all purchases plus 5% back on rotating categories) with a good chance of approval for applicants with credit scores in the high 600s. A Chase Freedom card is ideal if you don’t regularly carry a balance.
Citi Simplicity Card – If you sometimes carry a balance on your credit card, the Citi Simplicity Card is the best choice. The Simplicity card is designed to make your life easier with no late fees, no penalty APRs, and competitive interest rates.
Is your credit score not 655? Find more top credit cards for your credit score (FICO score) range:
