A credit score of 700 or higher is needed to get most credit cards with travel rewards. There are travel credit cards available to people of all credit levels, though, including people with limited credit or bad credit.
You need a credit score of 700 or higher to get an airline credit card, in most cases. This is because nearly all airline credit cards require good-to-excellent credit for approval, which means a credit score between 700 and 850.
Credit Score Needed for Popular Airline Credit Cards
Airline credit cards are co-branded with a specific airline, so each card's rewards program and benefits cater to cardholders who are loyal to that airline. Some airline credit cards even offer added perks such as priority boarding, airport lounge access, or discounted companion tickets. So it's no wonder they have high credit score requirements.
The best credit card for travel with fair credit is the Upgrade Visa® Card with Cash Rewards because it gives unlimited 1.5% cash back on all purchases (after you pay the bill). The Upgrade Credit Card also comes with a $0 annual fee and a 0% foreign transaction fee.
When you have fair credit, it’s difficult to qualify for most travel rewards credit cards, as they tend to require at least a good credit score. But with responsible use, you can build your credit to the point where you’ll have high approval odds for better travel rewards cards. Start by paying your bill on time each month, keeping your spending low and applying for only one credit card at a time. You can track your progress for free on WalletHub and get customized tips.
One of the easiest airline credit cards to get is the United Gateway℠ Credit Card, which requires good credit for approval. There are no airline-affiliated credit card offers for people with lower credit scores right now.
Overall, the easiest credit card to get with good travel rewards is the Bank of America® Customized Cash Rewards Secured Credit Card… read full answer because you can get approved even if your credit is bad. You just have to place a security deposit of at least $300, which will serve as your credit line. The Bank of America Custom Cash Secured Card rewards cardholders with 1 - 3% cash back and comes with a $0 annual fee.
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