Hardest Credit Cards to Get

It is not very hard to get a Bank of America credit card because Bank of America offers cards for people with bad credit or better. The easiest credit card to get from Bank of America is the Bank of America® Customized Cash Rewards Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Bank of America credit cards, too.

Minimum Credit Score for Notable Bank of America Credit Cards

• Bank of America® Customized Cash Rewards Secured Credit Card: bad credit
• BankAmericard® credit card: excellent credit
• Bank of America® Travel Rewards credit card: excellent credit
• Bank of America® Travel Rewards Credit Card for Students: limited credit

As long as you meet the credit score requirement and a few other requirements, it's not hard to get a Bank of America credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN or ITIN.

Keep in mind that just because it's not hard to get some Bank of America credit cards, that doesn't mean it's necessarily easy to get all of them. You're also never guaranteed to be approved, even for the cards with the easiest approval requirements.

Millionaires use credit cards like the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card, and The Platinum Card® from American Express. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. For example, in the case of the Amex Centurion Card – also known as “the Black Card” – you reportedly need to charge at least $100,000 across Amex credit cards every year to even qualify for an invite.

Credit Cards That Millionaires Use

• Centurion® Card from American Express
• J.P. Morgan Reserve Credit Card
• The Platinum Card® from American Express
• Chase Sapphire Reserve®
• Citi Chairman Credit Card

When invite-only cards aren't a good option, some millionaires choose premium travel rewards cards such as American Express Platinum card and Chase Sapphire Reserve. People with good-to-excellent credit who are approved for either card can expect lucrative bonuses, generous rewards on purchases, and other perks that will more than offset their hefty annual fees. American Express Platinum card charges $695 a year to own, and the Chase Sapphire Reserve likewise carries a big price tag with its $550 annual fee.

Millionaire business owners may also get good use from a business credit card such as American Express Business Platinum card, a top choice for frequent travelers who don't mind shelling out $695 a year for all the high-end perks the card offers. Chase Ink Preferred is another attractive option for business owners with seven-figure incomes, as the card offers stellar rewards on business-related purchases and a significantly lower annual fee ($95) than American Express Business Platinum card.

It is not very hard to get a U.S. Bank credit card because U.S. Bank offers cards for people with bad credit or better. The easiest credit card to get from U.S. Bank is the Harley-Davidson® Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other U.S. Bank credit cards, too.

Minimum Credit Score for Notable U.S. Bank Credit Cards

• Harley-Davidson® Secured Credit Card: bad credit
• U.S. Bank Altitude® Connect Visa Signature® Card: excellent credit
• U.S. Bank Altitude Reserve Visa Infinite® Card: excellent credit
• U.S. Bank Visa® Platinum Card: good credit

As long as you meet the credit score requirement and a few other requirements, it's not hard to get a U.S. Bank credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN or ITIN.

Keep in mind that just because it's not hard to get some U.S. Bank credit cards, that doesn't mean it's necessarily easy to get all of them. You're also never guaranteed to be approved, even for the cards with the easiest approval requirements.

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million. They'll also reportedly need to meet lofty spending requirements on other Amex accounts every year just to get an invitation to apply. Additionally, the Centurion® Card from American Express carries a $5000 annual fee and a $10,000 initiation fee.

The Centurion® Card from American Express is clearly not for everyone, but Amex does offer other premium cards such as The Platinum Card® from American Express. Anyone can apply for the American Express Platinum card, which is not as hard to get as the Black Card but still requires at least good credit to be approved.

The American Express Platinum card shares many of the same features as the Black Card, and also comes with a high price tag. The annual fee is $695, which some people may consider a bargain when compared to the Black Card's exorbitant costs.

Yes, Blue Cash Preferred is hard to get because it requires a credit score of 700+ for approval, which means you need good to excellent credit to get this card. Since the average credit score is lower than this requirement, most people will not be able to get the Blue Cash Preferred card.Since the average credit score is lower than this requirement, most people will not be able to get the Blue Cash Preferred card.

You also won't get approved for the Blue Cash Preferred card if you already have five Amex cards, if you've already applied for an Amex card in the past five days, or if you've already applied for two Amex cards in the past 90 days.

Having said that, it is also worth noting that your credit score isn't the only thing the issuer takes into account while considering your application. Various other factors will also determine the outcome, like your credit history, your income and any debts you might have.

Lastly, for a better sense of your Blue Cash Preferred approval odds, check out the American Express pre-qualification tool. You can also check your credit score for free on WalletHub.

The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.

On the other hand, store-only credit cards generally require fair credit or better for approval. These cards are a good option for people loyal to a particular brand, since they can usually only be used at the retailer they are associated with. Store-affiliated credit cards with stricter approval requirements can typically be used anywhere, though they might offer better rewards for purchases at their respective brand.

Hardest Store Credit Cards to Get

You can check out store credit card offers from hundreds of retailers on WalletHub.

It is not very hard to get a Capital One credit card because Capital One offers cards for people with bad credit or better. The easiest credit card to get from Capital One is the Capital One Quicksilver Secured Cash Rewards Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Capital One credit cards, too.

Minimum Credit Score for Notable Capital One Credit Cards

• Capital One Quicksilver Secured Cash Rewards Credit Card: bad credit
• Capital One Platinum Credit Card: limited credit
• Capital One Platinum Secured Credit Card: bad credit
• Capital One Quicksilver Cash Rewards Credit Card: good credit

As long as you meet the credit score requirement and a few other requirements, it's not hard to get a Capital One credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN.

Keep in mind that just because it's not hard to get some Capital One credit cards, that doesn't mean it's necessarily easy to get all of them. You're also never guaranteed to be approved, even for the cards with the easiest approval requirements.

It is not very hard to get a Credit One credit card because Credit One offers cards for people with bad credit or better. The easiest credit card to get from Credit One is the Credit One Bank® Platinum Visa® for Rebuilding Credit, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Credit One credit cards, too.

Minimum Credit Score for Notable Credit One Credit Cards

• Credit One Bank® Platinum Visa® for Rebuilding Credit: bad credit
• Credit One Bank® Platinum X5 Visa®: fair credit
• Credit One Bank® Platinum Visa®: fair credit

As long as you meet the credit score requirement and a few other requirements, it's not hard to get a Credit One credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN.

Keep in mind that just because it's not hard to get some Credit One credit cards, that doesn't mean it's necessarily easy to get all of them. You're also never guaranteed to be approved, even for the cards with the easiest approval requirements.

Yes, it is hard to get a USAA credit card because all USAA credit cards require at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for a USAA credit card.

Minimum Credit Score for Notable USAA Credit Cards

• USAA® Rewards™ Visa Signature® Card: good credit
• USAA® Rate Advantage Visa Platinum® Card: excellent credit
• USAA® Cashback Rewards Plus American Express® Card: excellent credit
• USAA® Rewards™ American Express® Card: excellent credit

Keep in mind that while the credit score requirement is the main thing that makes a USAA credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you'll need to have a steady income that's big enough to handle the card's credit limit, and you must be at least 18 years old. You'll also need to have an SSN.

Finally, it's important to note that even if you exceed all of the requirements to get a USAA credit card, you're never guaranteed to get approved, though your odds are good.

Yes, it is hard to get a Barclays credit card because all Barclays credit cards require at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for a Barclays credit card.

Minimum Credit Score for Notable Barclays Credit Cards

• JetBlue Card: good credit
• Lufthansa Credit Card: good credit
• Wyndham Credit Card: good credit
• Holland America Line Credit Card: good credit

Keep in mind that while the credit score requirement is the main thing that makes a Barclays credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you'll need to have a steady income that's big enough to handle the card's credit limit, and you must be at least 18 years old. You'll also need to have an SSN.

Finally, it's important to note that even if you exceed all of the requirements to get a Barclays credit card, you're never guaranteed to get approved, though your odds are good.