You need a credit score of 700 or higher to get the best credit cards. In other words, a good or excellent credit score is needed to be approved for one of the best credit card offers, along with enough income to comfortably afford monthly bill payments. Most of the best credit cards - including cards with the best rewards, travel perks, signup bonuses, and benefits - require at least good credit for approval.
There is a difference between the best credit cards overall and the best credit cards in popular categories, however. For example, the best credit cards for people with no credit don’t require a minimum credit score. You can get approved with limited or no credit history. Similarly, the best store credit cards typically require just fair credit or better, which means applicants generally need a credit score of 640 or higher to be approved.
Most important, however, is finding the best credit card for you, and your credit score will have a lot to do with that. No matter how good a credit card might be, it won’t do you much good if you can’t get approved for an account.
So make sure to check your credit score early on in the process of searching for the best card. If your search is initially held back by a low credit score, start with a secured credit card. That tends to be the easiest type of credit card to get approved for, and you can use it as a stepping stone to better and better offers over time.
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