Visa credit card requirements include being at least 18 years old, having enough income to pay the bills, and living in a U.S. territory. Applicants also need a Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN) to get approved for a Visa, though not all Visa card issuers will accept an ITIN. Certain Visa cards have requirements beyond this list of essentials, too.
Common Requirements for a Visa Credit Card
- 18+ years old
- Steady income
- U.S. mailing address (P.O. boxes may not qualify, depending on the issuer)
- Social Security number (some cards will also accept Individual Taxpayer Identification Numbers)
- Qualifying credit score (depends on the issuer and the specific card)
- Relatively low debts and housing costs
Despite being a common requirement, having a certain credit score isn’t always necessary to get approved for a Visa card. There’s technically no minimum credit score needed for a Visa credit card, since cards on the Visa network are offered to people with all types of creditworthiness. Some Visa card issuers don’t even check an applicant’s credit. Still, the best cards generally require good or excellent credit for approval.
Similarly, only some cards require information about housing costs. Your card issuer may use this information to estimate the monthly payment you can afford.
All in all, as long as you fulfill the basic eligibility requirements and apply for credit cards that align with your creditworthiness, you’ll have a good shot at getting approved for a Visa. For an even better idea of your approval odds before you apply, you can always search for pre-qualification from card issuers that offer Visa credit cards.
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