The Upgrade card credit score requirement is 640, which means that applicants need fair credit or better for approval. But credit score isn’t the only thing that matters when it comes to getting approved for the Upgrade card. Upgrade will also look at the applicant’s income, recent credit inquiries, other debts and more.
While the Upgrade card’s credit score requirement plays a big role in whether you get approved for the card, your credit score is also instrumental in determining the credit line you receive, which could be anywhere from $500 to $25,000. If you only barely qualify for the card with a 640 score, you’re likely to receive a low credit line, and getting the highest credit line will require not only excellent credit but also enrollment in autopay. And your score will also determine what APR you will get, ranging from 14.99% - 29.99%.
Upgrade allows you to check your odds of getting the card, as well as the potential rate and credit score, online. Just click “Get Started” at https://www.upgrade.com/. This pre-qualification process won’t affect your score.
The best credit card for a 700 credit score is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on all purchases. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months and a $0 annual fee.
In general, you want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process, too, like income and the number of recent inquiries on your report.… read full answer
A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.
As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.
Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.… read full answer
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