Cameron DiGiovanni, Writer
@cdigiovanni20
The best way to open a new rewards credit card is to start by checking your credit score and comparing the rewards credit card offers that you could reasonably expect to get approved for. Then, after finding the best rewards card for your needs, apply for the card online or over the phone. If you apply online and clearly meet the card’s approval requirements, you could have your new rewards card account open within minutes of starting the application.
How to Open a New Rewards Credit Card
- Check your credit score for free.
- Pick the best rewards credit card for you, based on your credit score and spending habits.
- Apply online for the fastest decision. If you’d prefer to apply over the phone, call the card issuer’s customer service line.
- Provide your date of birth, SSN, U.S. mailing address, and other information.
- Submit the application.
Applicants usually get a decision within 7-10 business days, but a lot of credit card companies will tell you immediately if you’ve been approved. If you’re denied, you should expect a decision within two weeks, and the card issuer will also send a letter to explain the denial. Denied applicants can call the card issuer’s reconsideration line or apply for a different card with lower requirements for approval.
Popular Rewards Credit Cards in December 2025 from Our Partners
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Everyday Cash Back
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Bonus Cash Back
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Bonus Miles
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Bonus Points
People also ask
What credit card company has the best rewards?
The credit card company with the best rewards is Capital One, according to WalletHub’s 2024 Credit Card Rewards Study. Capital One took the top spot in the study for the eighth year in a row, earning an overall score of 92% with high rankings in key categories such as earning potential and rewards-earning policies. Below, you can see how all the major issuers fared in WalletHub’s study.
Credit Card Companies with the Best Rewards
| ... | WalletHub Score | Popular Credit Card |
Can you have two credit cards from the same bank?
Yes, you can generally have two credit cards from the same bank, as most issuers allow it. Getting more than one card with the same bank may be a good idea in certain situations, too. That’s because there isn’t one card that offers the best terms for every purchase category, along with the lowest rates and fees. So, using more than one credit card may help you save money by enabling you to get the most...
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