Credit Scores Needed For Different Credit Cards
Credit cards are an increasingly vital tool for modern life. However, different credit cards offer different levels of value to consumers. Some credit cards are only available to individuals that have demonstrated they can be trusted to pay their bills on time. The way that people demonstrate this is through their credit score.
We’ve talked a lot about how credit scores affect your life, so we’re not going to go over all the different ways your credit score can impact your life. However, your credit score also determines what kinds of credit cards and credit card offers you can qualify for.
This is important, as you want to get the credit card that offers you the most value. That means you need to understand what credit cards you can get with your credit score. You also need to know what your target credit score is so that you can qualify for the credit card you think is best.
We’ll go over the different credit score requirements for different credit cards shortly. First, we thought it was important to talk about how credit cards are different and what you get from a credit card based on your credit score.
Credit One Bank® Unsecured Platinum Visa®
Credit Score Required:
No Credit History/ Poor
The Credit One Bank® Unsecured Platinum Visa® is a great card for people just starting out to build credit and those looking to rebuild their credit. One of the best features of this card is that members gain access to credit education materials as well as free monthly credit score updates. You also get to earn unlimited 1% back on gas and grocery purchases.
What We Like
Unlimited 1% on Gas and Groceries
Unsecured Card for Building or Rebuilding Credit
Annual Fee from $0 to $99
Indigo® Platinum MasterCard®
Credit Score Required:
No Credit History/ Poor
The Indigo® Platinum MasterCard® is one of the best options for people looking to build or rebuild their credit score. You’ll pay an annual fee based on your credit score. You can also pre-qualify for this card without hurting your credit score with a hard inquiry. The low credit limit also makes it a good option for parents to give their children to help them learn financial responsibility.
What We Like
Pre-qualification helps you understand the chances you’ll qualify
Reports to all three major credit bureaus
Helps build credit with good payment history
The Plum Card® from American Express
Credit Score Required:
Good to Excellent
The Plum Card® from American Express is an excellent financial tool to help small business owners take control of their business. Flexible payment options, low fees, and lack of a pre-set spending limit give you the power you need to grow your business. Given all of these benefits, it’s not hard to see why so many businesses are choosing The Plum Card from American Express. Terms Apply.
What We Like
Up to 60 days interest-free to pay off your balance once you’ve paid your minimum amount due
Paying your bill early earns you a 1.5% discount on the part of your bill you paid early
Flexible payment dates
Different Cards for Different Scores
Almost every credit card has some kind of perk or bonus for customers. However, the quality of these perks and bonuses can change based on the specific card you have. Another important difference You get with different credit cards is the interest rates and fees that you pay to use the card. We’ll look at each of these elements next.
The most important aspect of a credit card is the interest rate that you pay. This is important because the higher your interest rate, the more you’re paying to carry a balance on the card. That can dramatically increase the costs of your purchases if you’re not careful.
Additionally, high interest rates can have an impact on your credit score. That’s because interest charges are added back into your credit card balance. This affects your credit score because credit utilization is the second most important category for credit scoring – it accounts for 30% of your credit score.
As a result, a card with a higher interest rate will mean that it’s more likely you’ll have a higher balance, which will lower your credit score. That means the best credit cards are the ones with the lowest possible interest rates. Check out the best low interest rate credit cards we reviewed.
Another important credit card aspect that’s affected by what credit card you have, and thus your credit score, is the perks you’re offered. Credit card perks can be anything from cash back deals to mileage and points offerings. Take a look at the best cash back credit cards. It can also include things like free travel insurance, rental car insurance, legal help when traveling abroad, and other considerations. We compare the best rental car insurance credit card in another article.
The better the credit card you have, the more perks you can take advantage of. Additionally, the better your credit card, the better the perks that you’ll be offered. That means you can get more free stuff and better benefits when you use your card.
What You Should Expect from A Card Based on The Credit Score it Requires
Because of the range of credit cards on the market, nearly anyone can qualify for a credit card. However, the interest rates and perks they’ll get with the card change based on the card itself. As a result, they depend on your credit score.
In this section we’ll look at the different card options and what kind of rates and perks you’ll get for different credit cards.
Poor to Fair Credit (450-620)
People with poor to fair credit will have more limited credit card options although there are certainly credit cards for poor credit just for this scenario. People on the lowest end of the credit score range will be limited to secured credit cards. Usually, the only perk these cards come with is the ability to turn into an unsecured credit card once you’ve met certain conditions. Take a look at the best credit cards for fair credit.
Other people that fall into this range who qualify for an unsecured credit card will get higher interest rates and fewer perks than people with a better credit score.
Most of the credit cards that you can get with this score range are either products designed to act as a first credit card, or the best credit cards to rebuild credit.
This category of consumer also faces the highest credit card interest rates. You should expect interest rates to go from 22% all the way to almost 30% APR. If you carry a balance on one of these cards, then it’s going to take a long time and a lot of money to clear your balance.
Fair to Good Credit (620-700)
If you fall in the fair to good credit range, then you have a lot more credit card products available to you. The perks for these cards are also diverse. You can have your pick of cards that offer cash back, airline miles, or points you can put towards gifts, hotels, travel, and more. Check out the best hotel rewards credit card.
The interest rate that you’ll pay for a card that requires this range of credit is still higher than many other credit cards. The good news is that the higher your credit score is, the better your interest rate will be. Rates for people in this category tend to go from around 16% APR to 24% APR, depending on the specific credit product.
Good to Excellent Credit (700 – 850)
People with good to excellent credit will have access to the best credit offers on the market. The perks they get with their cards will be very generous. They’ll also get a lot of fringe perks, like discounted airline tickets, bonus points/cash back/miles, help getting tickets to events like concerts and plays, and more.
The interest rates for people in this category will also be among the lowest on the market. You can expect rates that range from 9% to 16% APR if your credit is good to excellent. Depending on your credit score and your personal financial situation, you may even be able to get even better rates from the kinds of super elite credit cards that most people only hear rumors about. This includes things like black cards, titanium cards, and others that offer a host of benefits for their consumers. You are even likely to get offers for credit cards with 0 interest intro periods in the mail.
Credit Scores Needed for Different Credit Cards
Now that you understand how credit scores impact the kind of credit card you can get, and you have a broad understanding of the different benefits and costs of getting different types of credit cards, it’s time to look at what kind of credit score you need to get different credit cards.
We’ve assembled a list of some of the most people credit cards on the market today. We’ll help you understand the basics about the card and list any credit score requirements that are available. We’ll also list other information we can find, like the average high and average low credit score that was able to get approval for this card.
Keep in mind that credit card agreements are private business contracts. That means that people in unusual situations might be able to get a better card than they can normally qualify for. It also means that some people will have problems qualifying for a credit card that falls into their scoring range.
This is one of the reasons why pre-qualification is so important. Pre-qualifying or getting pre-approved for a card will increase the odds that you’ll be approved should you decide to apply. Therefore, we recommend you always check pre-qualified and pre-approved credit card offers first.
Credit Score Needed for Discover Card
Discover offers a wide range of credit cards. That means there’s a good chance there’s a Discover card for you, regardless of your credit score. However, not all Discover cards are the same. The ones with a high credit score requirement will offer better perks and features than ones with a lower credit score requirement.
- The Discover it Secured has no minimum credit score. It just requires a deposit.
- Discover it for Students is available to people that have limited or no credit history.
- Discover it Chrome for Students is also available to people with limited or no credit history.
- Discover it Cashback Match requires good credit – most people have a score of 700 or more when they get this card.
- Discover it 18 Month Balance Transfer also requires a score of 700+ for approval.
- NHL Discover it Card requires a credit score of 700+ for approval
- Discover it Chrome needs a good credit score of 700+ for approval.
- Discover it Miles is available to people with a credit score of 700+
Walmart Credit Card Credit Score
Walmart is one of the world’s biggest retailers. There are two Walmart credit cards. The first is a Walmart store card which can only be used at Walmart. The other option is the Walmart Mastercard, which can be used elsewhere but offers special bonuses for Walmart purchases.
- The Walmart Mastercard requires a credit score of 660 or higher for approval
- The Walmart Store Card usually requires a credit score of 640 or greater.
Target Credit Card Approval Score
The Target credit card is also known as the Target REDcard. It offers tremendous savings at Target stores across the country.
The Target REDcard requires a 615 FICO score, but that doesn’t guarantee approval.
Amazon Credit Card Credit Score
The Amazon Prime Rewards Visa card is the most popular Amazon credit card. It offers bonuses for making purchases on Amazon and lets you buy things at other stores as well.
There’s a lot of discussion about the requirements for this card, as people with a credit score of 640 have been approved, while some in the 700+ range have been denied.
Amazon says that you need to have excellent (720+), good (680) or fair (640) credit to get approved.
Citi Card Credit Score
Citi offers a huge range of credit cards, including some of the best business credit cards, designed for a wide variety of consumers. These include cash back cards, AAdvantage credit cards, Thank You Credit cards, Diamond Preferred Card, Expedia Rewards, Costco Cards, AT&T cards, and their secured card. The scores you need for each credit card are:
- Citi Secured Mastercard – No minimum credit score requirement.
- Citi Double Cash Card – 660 – 719
- Citi Simplicity Card – 660- 719
- Citi AAdvantage Platinum Select World Elite 690 – 850
- CitiBusiness AAdvantage Platinum Select 690 -850
- American Airlines AAdvantage MileUp Card 690 – 850
- Citi AAdvantage Executive World Elite Mastercard 690 -850
- Citi Rewards Card 700+
- Citi Premier 700+
- Citi Rewards Student Card – Limited or no credit history
- Citi Diamond Preferred Card – 670
- Expedia Rewards Card 640 – 700+
- Costco Anywhere Visa 640 – 700+
- Costco Anywhere Visa Business Card 640 -700+
- AT&T Access Card no information
Best Buy Credit Card Score
Best Buy is a popular consumer electronics store in North America. Best Buy offers a store credit card as well as a Visa card through Citi.
- The Best Buy store card requires a credit score of at least 620
- The MyBuy Best Buy Visa Card Requires a Credit score of 640+
Credit Score for Lowes Card
The Lowes Advantage credit card is a harder store card to get when compared to other store credit cards. It offers special financing deals when you make large purchase at Lowes stores.
The Lowes Advantage Card requires a 620 score or better
Amazon Prime Rewards Visa Signature Card Credit Score
The Amazon Prime Rewards Visa Signature Card is a great option for people who love shopping on Amazon. It is only available to people who already have an Amazon Prime membership. Amazon is a bit hazy on the score needed for this card – but consumer reports indicate that it’s possible to get the card with a score of at least 640.
Chase Credit Card Credit Score
Chase offers a huge variety of credit cards for consumers. All of the Chase credit cards come with unique bonuses and perks. However, Chase is not the best bank for people with a low credit score, as the credit score requirements for their cards tend to be somewhat high. We’ll list all of their credit cards and recommended credit scores below.
- Chase Freedom Unlimited: 720
- Chase Freedom: 680
- Chase Sapphire Preferred: 720
- Southwest Rapid Rerewards Plus Card by Chase: 680
- The World of Hyatt Credit Card by Chase: 720
JCPenney Credit Card Approval Score
JCPenney offers a store card that provides special financing deals as well as bonuses for shopping at the renowned department store.
JCPenney doesn’t publish recommended credit score requirements for their card, but online forums and consumer guides indicate that it’s possible to get this card with a score of at least 620
Southwest Credit Card Credit Score
The Southwest Rapid Rewards Plus credit card from Chase has a great bonus of 30,000 points after you spend $4,000 in your first 3 months. There is a $69 fee applied to the first billing statement.
The Southwest Rapid Rewards Card is fairly hard to qualify for, so don’t apply unless you’ve got a good credit score of at least 680.
Navy Federal is a bank that is open to current and former members of the US military and their families. They have a wide variety of credit card products for all different types of consumers. We’ll go over each card and the recommended score to boost your odds at approval below:
- Navy Federal Credit Union nRewards Secured Credit Card: Secured Card – No Credit Score Requirement
- Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card:680
- Navy Federal Credit Union Go Rewards Credit Card:640
- Navy Federal Credit Union Platinum Credit card:640
- Navy Federal Credit Union cashRewards Credit Card: 680
- Navy Federal Credit Union More Rewards American Express Credit Card: 720
Exxonmobil Smart Card Credit Score
The Exxonmobil Smart Card works at Exxon and Mobil gas stations for fuel and store purchases. Research indicates that you’ll need at least a fair credit score (620) to get approved for this card.
Capital One Venture Card Credit Score
The Venture One card from Capital One is one of their premier credit card offerings. It comes with great rewards and a low interest rate.
As a result, you’ll need a credit score of 700 or higher to have a good chance of getting approved for this card.
Ulta Credit Card Credit Score
Ulta offers two credit cards, they have a store card and a Mastercard. Both cards give you rewards when you shop at Ulta Beauty, but only the Mastercard can be used at other stores.
- Credit Score for Ulta Store Card – 640+
- Credit Score for Ulta Mastercard – 680+
American Express Gold Card Credit Score
The American Express Gold card is the mid-range offering from American Express. It offers some great rewards when you book flights or make other purchases. You also get statement credits when you spend money at specific restaurants.
You’ll need a good credit score of at least 680 to qualify for this card.
Credit Score for Macy’s Card
Macy’s is another popular retail department store chain that can be found across the country. They don’t publish guidelines for credit score or credit approval. However, People report getting approved for the card with Fair and better credit.
Bank of America Credit Card Credit Score
Bank of America has a huge variety of credit cards. Their cards are split between those that require very high credit scores to those that only require limited or no credit. Yes they do have credit cards for people with no credit. We’ll list their cards and the recommended scores below.
- Bank of America Cash Rewards Card: 750
- Bank of America Travel Rewards Card: 750
- Bank of America Premium Rewards Card: 750
- Bank of American Cash Rewards for Students: Limited or No Credit – Must be enrolled in a college degree program
- Bank of American Travel Rewards for Students: Limited or No credit – Must be enrolled in a college degree program.
- BankAmericard for Students: Limited or No Credit – Must be enrolled in a college degree program
Bank of America Secured: Accepts credit scores below 640
Uber Credit Card Credit Score
The Uber Visa card is a new offering that gets you points you can redeem for rides on Uber and meals from Uber Foods.
Credit Score Needed for BJs Credit Card
The Bjs credit card is also know is the My BJ’s Perks Mastercard. You get the best bonuses on the card when you’re using it at BJs locations, giving what amounts to 3% cash back in those instances.
The My BJ’s Perks Mastercard requires a good credit score (680+) for approval.
State Farm Credit Card Approval Score
The State Farm Visa card is popular among students and people looking for their first credit card. It offers some rewards, but not as many as other cards.
The average credit score approved for the State Farm Visa is 598, with the lowest score being 515 and the highest score being 650.
Zales Credit Card Approval Score
Zales is a popular jewelry store found in states across the country. The Zales card has a high interest rate but also comes with some good zero-interest offers if you can pay the whole balance back.
The minimum score required for a Zales card is 660
Popular clothing retailer Old Navy Offers a store card and a Visa card. Both cards are issued by Synchrony Bank. There’s no minimum credit score listed for these cards, but most approved applicants have a score between 602 and 655.
TJ Maxx Credit Card Approval Score
TJ Maxx offers a Mastercard through Synchrony Bank. It’s called the TJX Rewards Mastercard. It can be used at TJ Maxx, Marshalls, Sierra, and Home Goods to get extra rewards.
Synchrony bank doesn’t issue recommended credit score guidelines for the card, but research indicates that most people who get approved have a credit score of 620 or higher.
Apple Credit Card Credit Score Needed
The Apple credit card is best for Apple purchases. It is also known as the Barclaycard Visa with Apple Rewards. Check their site for credit requirements.
Credit Score for Kohl’s Card
Kohl’s is a popular choice for store cards and is also popular with people looking to rebuild their credit. There’s a range of score approvals for a Kohl’s card, ranging from 589 all the way to 700. The average approval has a score of about 630.
US Bank Credit Card Credit Score requirements
US Bank offers eight different credit cards for consumers. The credit scores required for each card change, and are tied to the interest rate, annual fee, and perks that each card offers. Their cards, with recommended credit scores, are:
- US Bank Altitude Reserve Visa Infinite Card: 720
- US Bank Cash+ Visa Signature Card: 680
- US Bank Cash 365 American Express Card: 680
- US Bank Visa Platinum Card: 700
- US Bank FlexPerks Gold American Express Card: 680
- US Bank FlexPerks Travel Rewards Visa Signature Card: 680
- US Bank FlexPerks Select+ American Express Card: 720
- US Bank Secured Visa Card: Most Credit Scores Accepted
Credit Score Needed for Sams Credit Card
The Sam’s Club Credit Card is a Mastercard that offers excellent rewards for frequent Sam’s Club Shoppers. The card also offers cash back rewards for other purchases.
A good credit score of 680 or above is recommended to get approved for this card.
PayPal Credit Card Credit Score
The PayPal credit card is offered by Comenity Bank, which uses an internal scoring system to give approval for credit cards. However, their internal scoring system does roughly translate to the more common FICO system.
You’ll want a credit score of at least 600 before you apply for a PayPal Credit card
Credit Score Needed for QT Gas Card
QT is one of America’s favorite gas stations. They’re known for being clean and full of courteous and helpful staff. Therefore, it’s no surprise that many people are interested in getting a QT gas credit card.
You have a good shot at getting approved for a QT gas credit card if your credit score is at least 650.
Mastercard Black Card Credit Score
The Mastercard Black is one of the premier credit cards on the market. Black cards are really hard to get for most consumers, and so it’s no surprise that the benefits and perks from this card are amazing.
You’ll need an excellent credit score to get approval for the Mastercard Black Card, 720 or higher.
Discount Tire Credit Card Minimum Credit Score
The Discount Tire credit card is a great option for petrolheads and car lovers across the country. It offers special financing deals on large purchases and it’s free to apply for.
However, this card isn’t for everyone, as you’ll need excellent to good credit to qualify, which means a score of at least 680.
Bed Bath and Beyond Credit Card Credit Score
Bed Bath and Beyond is a home goods store that offers a Mastercard. You’ll get some great rewards when you use the card at Bed Bath and Beyond, as well as when you spend other places.
The minimum credit score you’ll need for this card is a 680 or higher.
Big Lots Credit Card Credit Score
Big Lots is an extremely popular discount retailer and department store. The card doesn’t offer any rewards other than special financing, and it has a fairly high APR. The good news is that it’s easier to qualify for than many other cards.
The minimum score you’ll need to get a Big Lots credit card is a 620.
Wells Fargo Cash Wise Credit Card Credit Score
The Cash Wise Visa is Wells Fargo’s cash back credit card. It’s popular among Wells Fargo Customers and has solid rewards and interest rates.
The minimum credit score you need to qualify for the Cash Wise Visa is a 700.
Credit Score for Victoria Secret Card
The Victoria Secret Angel Credit Card is one of the easier credit cards to get approval for. You can get approved with a wide range of credit scores. However, the credit limit you get can be dramatically different depending on your credit score.
The lowest score we’ve seen approved for a Victoria’s Secret Angel Card is a 580.
Carnival Cruise Credit Card Credit Score
Frequent Cruisers will love the Carnival Credit card. It offers easy-to-earn bonuses to use towards Carnival Cruises, along with other perks and extras.
Applicants will need a good credit score of at least 680 to qualify for this card.
Credit Score for Nordstrom Card
Nordstrom is an extremely popular fashion retailer. Therefore, it’s no surprise that so many people are interested in getting a credit card so they can shop there.
Nordstrom credit cards are surprisingly easy to get, but people with a lower credit score will have a lower credit limit.
The lowest credit score we found that got approval for a Nordstrom card was a 590.
Minimum Credit Score for Cabelas Card
Cabela’s offers a Visa for people that make frequent purchases at Cabela’s, Bass Pro, and Cenex stores. It has a flexible APR, depending on your credit score, ranging from 14.1% to 20.31%.
You’ll need good credit to qualify for the card, so don’t try without a score that’s at least 680.
Forever 21 Credit Card Credit Score
Forever 21 offers a store card provided by Comenity Bank. It’s one of the easier credit cards to get approval for, although your credit score may have a large effect on the credit limit you’re given.
The minimum credit score for a Forever 21 card is 600
Yard Card Credit Score requirements
The Yard card is offered by TD Retail Card Services, part of TD Bank. The card offers flexible payments options and can be used for other transactions at the store, like parts and service.
TD Bank doesn’t offer any kind of credit score guidelines for the Yard card, but our research shows that you should have a minimum credit score of at least 620 before you apply for it.
Guitar Center Gear Card Credit Score
Guitar Center is one of America’s favorite locations for musical instruments and accessories of all kinds. They offer a store card, known as the Gear Card.
The Guitar Center Gear Card requires a fair credit score for approval, which means you’ll want a score of at least 620 before you apply.
TD Bank Credit Card Credit Score required
TD Bank offers three different personal credit cards. They have various perks and rewards. Only one of them has an annual fee. We’ll cover their recommended scores below.
TD Cash Credit Card: 680
TD First Class Visa Signature Credit Card: 700
TD Ameritrade Client Rewards Card: 720
Frontier Credit Card Credit Score
The Frontier Airlines Credit Card Mastercard is a great way to earn bonus miles for purchases. You’ll get extra miles for spending at restaurants, Frontier Airlines products and services, and miles for every other purchase. Check their site for credit requirements.
Military Star Card Credit Score
Military Star is only available to military personnel and their families. It also offers rewards when you stop at exchange facilities and armed forces recitation center resort hotels. It’s a great card for building or rebuilding credit. Compare more credit cards to build credit.
You’ll have the best chances to get this card if your credit score is at least 600.
eBay Credit Card Credit Score Needed
The eBay Extras Mastercard offers no annual fee and allows you to shop anywhere that Mastercard is accepted. It offers bonus points on gas, restaurant, PayPal, and eBay purchases. See more credit cards with no annual fee in another article.
You’ll need above average to good credit for this card, so aim for a credit score of at least 640 when applying
Value City Credit Card Score
Value City is a great place to go for discount furniture. They offer the Value City Furniture card, which comes with up to 36 months of no interest financing on purchases of $999 or more.
Value City requires a score in the good range to qualify for their card, so you should have a target score of at least 680.
Blue Cash Everyday Card Credit Score
Blue Cash is a new credit card from American Express that’s designed to give the most benefit to people who use it for everyday purchases. It has a good rewards program, but you’ll need to meet income, existing debt, and payment history requirements to qualify.
You should have a score of at least 700 to qualify for the Blue Cash Everyday card.
AAdvantage Card Credit Score
The AAdvantage card is offered by Citibank, and it gets you rewards to use on American Airlines flights and products around the world.
You’ll want to have a credit score of at least 680 to give yourself the best chances of approval for this card.
Credit Score Needed for Menards Card
Menards cards are popular for people who love to shop at the store. The company will look at multiple aspects of your application beyond your credit score. Some information they look at includes your debt to income ratio and existing debt obligations.
You’ll need a fair credit score of around 640 in order to qualify for a Menards card.
Barnes and Noble Credit Card Credit Score
Book and hobby dealer Barnes and Noble offer a Mastercard that gives unique rewards you can use at Barnes and Noble stores. The card has a regular APR of 16.24% to 27.24%.
Applicants will need a good credit score of about 680 or above to qualify for the Barnes and Noble Mastercard.
Belk Credit Card Credit Score requirements
Belk is one of the country’s most popular retail and clothing stores. They offer a reward card for store purchases.
Most people that get a Belk card have a credit score of at least 650, but fair credit of 620 or above is required to for approval.
Mobil Gas Card Credit Score
Mobil gas stations can be found all over the country. The company offers a credit card for people who like to get their fuel from this long-lived gas station brand.
Applications will need fair credit, so a score of at least 640, to get approved for this card.
Ashley Furniture Credit Card Score Needed
Asley Furniture’s Credit card is serviced by a few different banks, specifically Wells Fargo and Citi. Thus, your odds at approval may depend on which bank you apply for an Ashley Furniture credit card with. We’ve seen reports of people getting approved for as much as $3,000 with a credit score of 604, but most people getting approval had a credit score in the 650 range.
Delta Gold Card Credit Score
The Delta Gold Card by American Express is a popular choice for frequent fliers. It offers some excellent rewards and a good interest rate.
The average credit score for approval for the Delta Gold Card is a 710, with the lowest score we’ve seen approved being a 670.
Ally Credit Card Score Requirements
The Ally CashBack Credit card is an extremely popular card, offering a host of bonuses to consumers, including cash bonuses, cash back rewards, and no annual fee. It’s a good card for people with excellent and good credit.
That means you’ll want a score of at least 720 before you apply for this card.
Newegg Store Card Credit Score
The Newegg store credit card has no annual fees and has several deferred and zero-interest deals for applicants. It also provides free access to your FICO score.
The Newegg store card doesn’t have a published credit score recommendation, but examples of approved consumers we found showed scores in the mid-600’s for approval.
Credit Score for Hyatt Credit Card
The World of Hyatt Credit card is serviced by Chase bank. It offers lots of upfront bonuses as well as extra bonuses for money you spend at Hyatt properties.
The minimum credit score for the World of Hyatt card is 680, or the “good” credit range.
Golden 1 Credit Card Credit Score
Golden 1 is a credit union that offers a number of different financial products. They actually offer a credit assessment calculator on their site, so you can see what kind of products you can qualify for.
Generally, a credit score of 640 or higher is needed for a Golden 1 Credit Card
HSN Credit Card Score Needed
HSN is one of the most popular television shopping services in the country. Therefore, it’s no surprise that many people want to know if they can qualify for the HSN credit card.
The HSN store card requires at least a fair credit score to qualify, that means a score of at least 620, although you’ll get better terms the higher your score is.
Credit Score Needed for Office Depot Credit Card
The Office Depot Credit card is issued by Citibank and has excellent credit card reviews online. You can use it to get rewards on everything you buy at Office Depot.
A fair credit score of 620 or above is recommended if you want to apply for this card.
Valero Gas Card Credit Score
Valero is a gas station chain that has been quickly expanding across the country. The card gets you discounts on gas, with the discount being tied to how much gas you’ve purchased during a billing cycle.
The Valero Gas Credit Card requires a fair credit score for approval, so you should try to have a score of at least 620 before you apply.
Credit Score for JetBlue Plus Card
The JetBlue Plus card is the more difficult JetBlue card to get approved for. It comes with better bonuses and rates, but it is also extremely difficult to get. The card is serviced by Barclays. Check their site for credit requirements.
ABC Warehouse Credit Card Credit Score
ABC Warehouse is a popular destination for electronics and major home appliances. They offer a credit card serviced by Synchrony bank.
The ABC Warehouse credit card requires a good credit score of 680 to have a high chance for approval.
Citi Hilton Honors Reserve Card Credit Score
The Citi Hilton Honors Reserve Card is designed for people with excellent credit. There’s another version of this card that’s more obtainable, the Citi Hilton HHonors Visa Signature Card. If you don’t qualify for this card, then try the Visa Signature Version.
The Citi Hilton Honors Card will require a credit score of at least 720 for approval.
Credit Score Needed for Disney Visa Card
The Disney Premier Credit Card by Visa is an excellent choice for families that love to spend their vacation time at Disney. The card is offered by Chase bank.
You’ll want a good credit score of at least 680 for the best odds of approval.
Credit Score Needed for Fifth Third Bank Credit Card
Fifth-third bank offers four different credit cards. One of these cards is secured credit cards for bad credit, which means that you should be able to qualify for it no matter your credit score, so long as you can make the minimum required security deposit. The cards that Fifth-third offers, along with their recommended credit scores are:
TRIO Credit Card:680
Truly Simple Credit Card:660
Stand Up to Cancer Credit Card: 660
Secured Card: Credit Score Not Required
Pottery Barn Credit Card Score Needed
Pottery Barn offers a store credit card that’s a good choice for people that frequently find themselves at one of the stores thousands of locations.
You’ll need a fair credit score, so at least 620, to have the best chance of being approved for this card.
Luxury Card Credit Score
Luxury Card credit cards come in a wide variety of brands and offerings. These include things like the Mastercard Black Card, Visa Black Card, Titanium Cards, and more. These cards carry a high annual fee in addition to incredibly high credit score requirements.
You’ll need an excellent credit score of 720 to have a chance at getting approved for one of the Luxury Credit Cards.
Mattress Firm Credit Card Credit Score
The Mattress Firm Credit Card is a good choice if you want to get favorable financing terms on your next bed or series of beds.
You’ll need a fair to good credit score of at least 620 to 680 for the best chance at approval.
Murphy Gas Card Credit Score
Murphy Gas is a gas station chain that’s been expanding across the country in recent years. They’re associated with Walmart stores.
The credit score you need to get approved for a Murphy’s Gas card should be at least a 620, or fair credit.
Credit Score USAA Credit Card
USAA Bank is a bank that serves current and former members of the military and their families. The bank offers great terms on credit and loan products for their customers. That’s why so many people would love to get their hands on one of the many credit cards USAA offers. We’ll run through the different credit cards and credit scores needed below.
- USAA Rewards American Express: 720
- USAA Rewards Visa Signature: 680
- Cashback Rewards Plus American Express: 720
- Preferred Cash Rewards Visa Signature Card: 680
- USAA Rate Advantage Visa Platinum: 640
- USAA Military Affiliate Visa Signature Card: 640
- USAA Military Affiliate American Express Card: 680
Orbitz Credit Card Credit Score
The Orbitz Credit Card is a Visa card that gives you a small initial bonus and offers other perks in the form of Orbucks when you make purchases with the card.
We recommend a credit score of at least 660 to increase your odds for approval.
Nebraska Furniture Mart Card Credit Score
Nebraska Furniture Mart offers a store card that you can use to get discounts on products and financing at Nebraska Furniture Mart.
You’ll want a credit score of at least 650 to have good odds for approval.
Barclay Arrival Card Credit Score
The Barclay Arrival card is a popular credit card for people who travel a lot. It’s considered a luxury credit card and one of the best travel credit cards, so it’s not surprising that you’ll need an excellent credit score to get approved. Check their site for credit requirements.
Wayfair Credit Card Score
Wayfair gives you the choice of special financing or 3% back in rewards when you sign up for their credit card. They also offer a pre-qualification process so you can check your status without impacting your credit score.
We recommend a credit score of at least 640 to have the best chances at approval for a Wayfair card.
Credit Score for GAP Card
The GAP Visa card offers automatic savings when you make a purchase at GAP or any of their affiliated stores. That makes it a good choice for frequent clothes shoppers.
You’ll need a good credit score to get approved, with the average approved score being about 650.
Credit Score Needed for Hawaiian Airlines Card
The Hawaiian Airlines card is offered by Barclays and the Bank of Hawaii and is one of the best airline miles credit card offers out there. This card can be difficult to qualify for, as we’ve found reports of people in the low 700’s getting denied for the card. However, it’s important to remember that credit card companies do look at more than just a credit score when they make approval decisions. Check their site for credit requirements.
What Credit Score do you Need for Marriott Rewards Card
The Marriot Rewards card by Visa offers a large initial bonus in points for people that spend more than $3,000 in the first 3 months of having the card. The points reward translates to $742 at Marriot hotels.
You’ll need a good credit score to have the best chance to obtain this card, at least 680.
HSBC Credit Card Credit Score
HSBC has several credit cards on offer. All of them require at least a good credit score. Each card comes with its own different perks, although the interest rate on all of them is a variable APR ranging from 17.24% to 21.24%.
The scores you’ll need for the best odds of approval are:
- HSBC Premier World Mastercard: 680
- HSBC Cash Rewards Mastercard: 680
- HSBC Gold Mastercard: 660
- HSBC Advance Mastercard: 680
- HSBC Premier World Elite Mastercard : 720
Black Card Credit Score Requirements
There are lots of different black cards from the different credit card companies. Mastercard, Visa, and American Express all offer their own black cards.
Black cards are considered Luxury credit cards. You’ll pay a fairly high annual fee on these cards, but they come with a huge list of perks that you won’t find replicated anywhere else.
You’ll want an excellent credit score of at least 720 or higher to have any chance at getting approved for these cards.
PNC Bank Credit Card Credit Score
PNC Bank has four credit card products that are available to the public. Each card has different features and perks. The Cash Rewards Visa card gives you cash back on purchases, the PNC Core Visa card is one of the best balance transfer credit cards, the PNC Points Visa gives you points when you use the card, and the PNC Premier Traveler Visa Signature Credit card offers great travel bonuses. To get each card you’ll need a credit score of:
- PNC Cash Rewards Visa Credit Card: 680
- PNC Core Visa Credit Card: 680
- PNC Points Visa Credit Card: 680
- PNC Premier Traveler Visa Signature Credit Card: 720
Ritz Carlton Credit Card Credit Score
The Ritz Carlton Visa is a great choice for consumers that don’t mind paying a high annual fee to get great bonuses at luxury hotels around the world.
The card requires a credit score of at least 680 to have a chance at approval.
Virgin America Credit Card Credit Score
The Virgin America Credit card has a decent initial bonus of 10,000 points when you spend at least $1,000 on the card within 90 days. These points can be redeemed for up to $200 in Virgin America airfare.
The Virgin America Card requires a good credit score, so make sure your score is 680 or above to have the best chance at getting approved.
Credit Score for PC Richards Card
PC Richards conducts a hard inquiry when you’re applying for a credit card with them. Therefore, you’ll want to make sure you have the best shot at getting the card before you apply, since you’re going to take a small credit hit.
You should have a good credit score of 700 or above before you apply for a PC Richards card.
Lumber Liquidators Credit Card Score
Lumber Liquidators is a flooring and hardware store. People get the Lumber Liquidators credit card to get special deals on financing for their purchases as well as free FICO score updates.
You’ll want a credit score of at least 640 to have good odds of getting approved for a Lumber Liquidators card.
Credit Score Needed for Dillard’s Card
Dillard’s is one of America’s most popular department stores. A Dillard’s card comes with some bonuses, and it’s a good way to build or rebuild your credit history.
You’ll want a fair credit score of at least 620 to apply for a Dillard’s card.
Shell Credit Card Approval Score
Shell gas stations are found in every state in the country. That means a Shell card can be used almost anywhere to make sure you get where you’re going.
You’ll want a fair credit score of about 620 or higher to get approved for a Shell card.
Chevron Gas Card Credit Score
The Chevron/Texaco gas card can be used at any Chevron or Texaco station in the country. You’ll get discounts on gas when you use the card.
For best odds of approval you should have a fair credit score of at least 620 when applying for the card.
Fidelity Rewards Card Credit Score
The Fidelity Rewards card is a great option if you use Fidelity to do a lot of trading. The card is harder to get than many other cards, so make sure your credit score is ready.
You should have a credit score of at least 720 before applying for a Fidelity Rewards card.
Merrick Bank Credit Card FICO Score
The Merrick Bank Credit Card is an excellent option for people looking to build or rebuild their credit. The card is easier to get than many other cards, but doesn’t offer the same level of rewards.
Most people don’t need a credit score to get a Merrick Bank credit card because most of their cards are secured.
Credit Score for Quicksilver Card
The Quicksilver card from Capital One is on of the best credit cards for average credit. If offers cash back bonuses and other rewards.
The minimum credit score you need to be considered for approval is a 620, but the higher your score the better your initial credit limit will be.
Financial Advisor - Best.CreditCard
David is our in-house financial advisor with years of experience in the credit card industry. He became interested in credit cards after working for several years at a major bank. He holds a Masters Degree in Finance.