This is a question was originally posted on Quora.

Assuming you are referring to a FICO score that is actually much closer to sub-prime credit.  As such there aren’t a lot of great deals available.  Here is what you can do.

Look for a local credit union or true hometown bank (not branch of a national or regional bank) in which score isn’t the only factor.  Once you’ve raised your score to at least 660’s (preferably 700’s) look for a card with better terms and rewards.