FAQs
Most credit cards require a minimum score of 670 for approval. Excellent scores of 720+ give you the best approval odds and terms. Check the specific card requirements; some may approve scores as low as the 500s with restrictions.
What credit score is needed for a credit card from a credit union? ›
You need a credit score of 700+ to get a credit card from most credit unions, though some credit unions have options available for people with bad credit or no credit history. There are credit union cards for every credit level, and some of the best credit union cards are only available to people with excellent credit.
What is a good credit score for 2024? ›
670 to 739: Good Credit Score
Lenders generally view those with credit scores of 670 and up as acceptable or lower-risk borrowers.
What is the minimum credit score to be approved for a credit card? ›
A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more. However, there are plenty of cards you can get with a score lower than this (more on that later).
Is it easier to get approved for a credit card through a credit union? ›
Joining a credit union requires that you meet its membership eligibility criteria. Once you do, you may expect more lenient terms to qualify for a credit card compared to most banks.
Which credit score do credit unions look at? ›
One of the most popular brands of credit scores is the FICO Score, created by the Fair Isaac Corporation. The FICO Score is used by most lenders, and typically ranges from 300 (very poor) to 850 (exceptional).
Do credit unions do a hard credit check? ›
When Might a Bank or Credit Union Make a Hard Inquiry? A bank or credit union may make a hard inquiry when you're applying for credit, such as a credit card, mortgage, or personal loan.
How long does it take to go from 520 to 700 credit score? ›
It can take 12 to 18+ months to build your credit from 500 to 700. The exact timing depends on which types of negative marks are dragging down your score and the steps you take to improve your credit going forward.
How to boost your credit score in 30 days? ›
How to raise your credit score quickly
- Lower your credit utilization rate.
- Ask for late payment forgiveness.
- Dispute inaccurate information on your credit reports.
- Add utility and phone payments to your credit report.
- Check and understand your credit score.
The average credit score in the United States is 705, based on VantageScore® data from March 2024. It's a myth that you only have one credit score. In fact, you have many credit scores, because there are many different types of credit scores and scoring models. It's a good idea to check your credit scores regularly.
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.
Can I get a Discover card with a 600 credit score? ›
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
What credit score is needed for a Chase credit card? ›
What credit score do you need for Chase credit cards? A FICO® Score of 670 or higher, as most Chase credit cards are intended for consumers with good to excellent credit scores. A score above 700 is even better and gives you a strong chance at approval.
What is the easiest credit union to get approved for? ›
PenFed is the easiest credit union to join on this list. It doesn't require you to have any specific affiliation to become a member. If you don't meet Alliant's, BECU's or First Tech's traditional membership guidelines, you just need to make a small donation to a partner charity or organization.
Which bank approves credit card easily? ›
Comparing the easiest cards to get
| Card Name | Annual fee | FICO score required |
|---|
| Bank of America® Unlimited Cash Rewards Secured credit card | $0 | No credit history |
| Capital One Platinum Secured Credit Card | $0 | No credit history |
| Indigo® Mastercard® | $0-$99 depending on creditworthiness | 300 to 670 |
| Capital One Platinum Credit Card | $0 | 580 to 740 |
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Credit unions set firm lending criteria, but the way they're organized means they may be more lenient than other lenders toward borrowers with bad credit. If you have bad credit, you may have better luck finding a loan with better rates and terms at a credit union.
What credit card can I get with a 580 credit score? ›
The best credit card for a 580 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The OpenSky® Plus Secured Visa® Credit Card also reports to the credit bureaus, which can help you build credit.
Can I have a credit card from a credit union? ›
If you're in the market for a credit card, look no further than your local credit union.
What is the minimum score for credit card? ›
Minimum CIBIL Score Required to Get a Credit Card
Banks usually accept a CIBIL score in the range of 700-750 and above to issue a credit card to an applicant. This is subject to the applicant meeting all other eligibility requirements.
What are the easiest credit cards to get approved for? ›
Secured credit cards and those designed for individuals with poor or limited credit are typically the easiest to get approved for. Cards such as the OpenSky® Secured Visa® and the Capital One Platinum Secured Credit Card are good examples.
