The Best Credit Cards You Can Get with a 690 Credit Score

A 690-credit score is considered “good,” and if you fall into this range, you’re in a solid position to qualify for a variety of credit cards. While it may not unlock the most exclusive rewards or benefits available to individuals with excellent credit, you still have access to some excellent credit cards. In this guide, we’ll explore the best credit cards you can get with a 690-credit score, offering you opportunities to build credit, earn rewards, and secure favourable interest rates.

Top Credit Cards for a 690 Credit Score: Find the Best Deals

With a 690-credit score, you can qualify for a range of credit cards that offer rewards, low-interest rates, and useful benefits. While some credit cards may offer higher rates and fewer perks compared to cards for individuals with higher credit scores, there are still many attractive options. Here’s a breakdown of the best credit cards for individuals with a 690-credit score:

1. Chase Freedom Flex℠
   • Best For: Cash back rewards.
   • Why It’s a Good Choice: With a 690 credit score, the Chase Freedom Flex℠ is an excellent option for earning cash back. This card offers 5% cash back on rotating categories, 5% on travel purchases, and 1% on everything else. There’s no annual fee, and you’ll get a generous sign-up bonus.
   • APR: 16.49% – 25.24% variable APR.

1. Discover it® Cash Back
   • Best For: Cashback rewards and no annual fee.
   • Why It’s a Good Choice: The Discover it® Cash Back card offers 5% cash back on rotating categories each quarter, up to a quarterly maximum, and 1% on all other purchases. Additionally, Discover matches all cash back earned in the first year, making it a great choice for those looking to maximize rewards.
   • APR: 16.24% – 27.24% variable APR.

1. Capital One QuicksilverOne Cash Rewards Credit Card
   • Best For: Unlimited 1.5% cash back on all purchases.
   • Why It’s a Good Choice: If you’re looking for a card that simplifies earning cash back, the Capital One QuicksilverOne Cash Rewards Credit Card is a solid option. It offers 1.5% cash back on all purchases with no rotating categories to worry about.
   • APR: 26.99% variable APR.

1. Citi® Double Cash Card
   • Best For: Earning 2% cash back on all purchases.
   • Why It’s a Good Choice: With a 690 credit score, the Citi® Double Cash Card is one of the best cash back cards available. You’ll earn 1% cash back on every purchase and an additional 1% when you pay your bill. This card offers a flat rate, making it perfect for those who want a straightforward, no-hassle rewards program.
   • APR: 18.24% – 28.24% variable APR.

What Are the Best Credit Cards for a 690 Credit Score?

With a 690-credit score, you have access to a number of credit cards that offer low-interest rates, rewards, and perks. Here are some of the top credit cards for your score range:

1. American Express Blue Cash Everyday® Card
   • Best For: Cash back at U.S. supermarkets.
   • Why It’s a Good Choice: This card offers 3% cash back at U.S. supermarkets (on up to $6,000 per year) and 2% cash back at U.S. gas stations and select department stores. It’s a great option if you frequently shop at supermarkets or fill up your car with gas.
   • APR: 18.24% – 29.24% variable APR.
2. Wells Fargo Active Cash® Card
   • Best For: Unlimited 2% cash back on every purchase.
   • Why It’s a Good Choice: The Wells Fargo Active Cash® Card offers a simple yet rewarding structure, providing 2% cash back on every purchase. This makes it perfect for everyday purchases where you don’t want to worry about rotating categories or spending limits.
   • APR: 19.99% – 29.99% variable APR.
3. Bank of America® Customized Cash Rewards Credit Card
   • Best For: 3% cash back on a category of your choice.
   • Why It’s a Good Choice: This card allows you to choose one category for 3% cash back, whether that’s gas, dining, or online shopping. It’s a versatile option for those who want to maximize rewards in the categories where they spend the most.
   • APR: 17.24% – 27.24% variable APR.

The Ultimate Guide to the Best Credit Cards for a 690 Credit Score

When it comes to finding the best credit card for a 690-credit score, it’s important to focus on options that offer the right mix of rewards, low-interest rates, and favourable terms. With a 690-credit score, you’re likely to qualify for cards that provide value and build upon your good credit history.

Things to Consider When Choosing a Credit Card:

1. Interest Rates: With a 690 credit score, you may still face relatively high APRs, so it’s wise to pay off balances in full each month to avoid high-interest charges.
2. Rewards: Choose a card that aligns with your spending habits. Look for cards that offer cash back or travel rewards, and pay attention to whether the card has rotating categories or flat-rate rewards.
3. Fees: Be mindful of annual fees and other charges that may apply. Many cards for those with a 690 credit score offer no annual fees, so be sure to take advantage of those.

Best Credit Cards for a 690 Credit Score: Your Top Options

At 690, you are considered a prime candidate for credit cards that offer competitive rewards and interest rates. These cards can help you manage your credit wisely and gain valuable perks:

1. Chase Sapphire Preferred® Card
   • Best For: Travel rewards.
   • Why It’s a Good Choice: If you travel frequently, the Chase Sapphire Preferred® Card is a great option. It offers 2x points on travel and dining and a large sign-up bonus.
   • APR: 21.24% – 28.24% variable APR.
2. Discover it® Miles
   • Best For: Earning unlimited 1.5 miles per dollar on all purchases.
   • Why It’s a Good Choice: For those who prefer simplicity, the Discover it® Miles card earns unlimited 1.5 miles per dollar on every purchase. There’s no annual fee, and Discover matches all miles earned in the first year.
   • APR: 14.24% – 25.24% variable APR.

Improving Your Credit Score for Better Credit Card Options

While a 690-credit score gives you access to many excellent cards, continuing to improve your credit score will unlock even better options. If you’re looking to improve your credit score, consider working with a credit repair service to help eliminate negative marks and optimize your credit profile.

Conclusion

A 690-credit score puts you in a great position to qualify for a range of credit cards with competitive rewards, low-interest rates, and attractive benefits. Whether you’re looking for cash back, travel rewards, or a simple card with low fees, there are plenty of options available to help you build your credit and maximize your financial potential. By choosing the right card and continuing to improve your credit, you’ll be on your way to unlocking even more benefits in the future.

Ready to improve your credit score? Contact us for expert credit repair services and start your journey toward better credit today!