Chip Lupo, Credit Card Writer
@CLoop
You need a credit score of 700 or higher to have good odds of being approved for most credit cards, as most cards require good credit or better. There are credit cards designed for people with lower credit scores, too, but there aren’t as many to choose from. Still, even if you have no credit history or a bad credit score, you should be able to find a suitable credit card.
If you’re not sure whether your credit is good enough to qualify for a certain card, you can check your credit score for free here on WalletHub. You can also learn more about the credit score requirements for major issuers and some of the most popular credit cards below.
Recommended Credit Score to Get a Credit Card From Popular Issuers
- Bank of America: 750-850 for the best offers (options for lower credit scores available)
- Barclays: 700-850 for the best offers (options for lower credit scores available)
- Capital One: 700-850 for the best offers (options for lower credit scores available)
- Chase: 700-850 for best offers (options for lower credit scores available)
- Citibank: 640-850 for the best offers (options for lower credit scores available)
- Credit One Bank: 640-850 for the best offers (options for lower credit scores available)
- Navy Federal Credit Union: 700-850 for the best offers (options for lower credit scores available
- Pentagon Federal Credit Union: 700-850
- PNC: 700-850 for the best offers (options for lower credit scores available)
- USAA: 700-850 for the best offers (options for lower credit scores available)
- U.S. Bank: 700-850 for the best offers (options for lower credit scores available)
- Wells Fargo: 700-850 for the best offers (options for lower credit scores available)
Popular Credit Cards by Credit Score
| Credit Card | Minimum Credit Score Recommended for Approval |
| 750 | |
| 750 | |
| 750 | |
| 700 | |
| 700 | |
| 700 | |
| 700 | |
| 700 | |
| 700 | |
| 640 | |
| 700 | |
| less than 3 years of credit history | |
| 500 | |
| 300 |
Keep in mind that meeting a credit card’s minimum credit score requirement doesn't guarantee approval and that lenders might use a different score when deciding whether to approve you for a financial product. Credit card issuers consider other factors, too, such as your income and debt, therefore approval is never guaranteed.
WalletHub’s CardAdvisor tool can help you find the best credit card for your financial situation. You’ll get personalized credit card recommendations based on your responses to a few general questions. You can also check out our editors’ picks for the best credit cards.
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- No Credit Check:
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