I got approved for the Amazon Prime Visa Signature card a couple of days ago with a 626 Experian score. I have a 2% utilization and a $35 balance on my file when approved. I think what helped was that I don't have any debt obligations like a mortgage or rent. (19-year-old college student living with parents) 5 inquiries on my credit report counting the Chase inquiry for the card. If you’re in a similar situation it might be worth applying for. Still could be a longshot. Also, $30k annual income currently.
First, the Amazon Prime Rewards Visa Signature card is a Chase Bank credit card. Therefore, regardless of your credit; if you have acquired 5 new accounts in a 24 month period, you will be denied for this card. Research Chase Bank 5 new cards 24 month period rule
In order to have good Amazon Prime Rewards Visa Signature Card approval odds, you should start with at least a good credit score (i.e. 700+). Generally, the higher your credit score, the better your odds of approval are. However, your credit score is just one part of your creditworthiness. On its own, it does not guarantee approval. Chase Bank, which issues the Amazon Prime Rewards card, doesn’t publicly disclose specific approval requirements. But they will review such things as your income, employment status and total amount of debt. Other things that affect your odds of approval are your payment history, age of accounts and recent credit inquiries.
If you have less than good credit, your approval odds are better for the Amazon Store Card. You’ll only need a fair credit score (640+) to have a reasonable shot at getting the card. The tradeoff is that unlike the Visa Signature card, which you can use anywhere Visa cards are accepted, the Amazon Store Card is limited to purchases on Amazon.com and at retailers that accept Amazon Pay. And you’ll only get rewards from the store card if you’re a Prime member, unlike the Visa.
A score of 640 or higher is the credit score needed for the Amazon Store Card. The better your credit score is, the higher your approval odds will be. Keep in mind that they will also look at your income, past delinquencies (if any), credit utilization, employment status, etc. when making a decision on your application.… read full answer
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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