Credit Card Approval Odds: Analyzing User-Reported Credit Scores

Credit scores are an important factor in the credit card approval process. For that reason, we collect credit score data on credit card approvals and denials from online forums and websites as reported by users.

Below, you’ll find that data by credit card. Please keep a few things in mind:

  • Credit scores are just one factor in the underwriting process;
  • Credit score requirements for a credit card change over time;
  • Our credit score data is believed to be accurate but cannot be confirmed;
  • The credit card issuers have not reviewed or approved this data;
  • We have relatively little credit score data on some cards. In some cases, we have just one data point.

Important: The Credit Score dropdown filter below is based on the lowest approved credit score we can find for each card.

Credit Score
1-25 of 200 results
  • Ally Unlimited Cash Back Mastercard
    Ally Unlimited Cash Back Mastercard®
    Lowest Approved Score 638

    Rewards Range 2% cash back
    Average Approved Score 669

    Annual Fee $0
    APR 26.99%

    Intro Offer* None
  • Langley Signature Cash Back Visa
    Langley Signature Cash Back Visa
    Lowest Approved Score 797

    Rewards Range 1% to 5% cash back
    Average Approved Score 797

    Annual Fee $0
    APR 16.25% to 18.00%

    Intro Offer* For a limited time earn 10% Cash Back

    *For a limited time earn 10% Cash Back with your Signature Cash Back Visa for the first six months after opening.

  • USAA Eagle Navigator Visa Signature Card
    USAA Eagle Navigator™ Visa Signature® Credit Card
    Lowest Approved Score 822

    Rewards Range 2x to 3x points
    Average Approved Score 822

    Annual Fee $95
    APR 20.15% to 28.40%

    Intro Offer* 30,000 Bonus Points

    *Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.

  • Wells Fargo Attune
    Wells Fargo Attune(SM) Card
    Lowest Approved Score 776

    Rewards Range 1% to 4% cash back
    Average Approved Score 805

    Annual Fee $0
    APR 20.24%, 25.24%, or 29.99%

    Intro Offer* $100

    *Earn a $100 cash rewards bonus when you spend $500 in purchases in the first three months.

  • Discover it Student Chrome
    Discover it® Student Chrome
    Lowest Approved Score 656

    Rewards Range 1% – 2% cash back
    Average Approved Score 656

    Annual Fee $0
    APR 18.24% – 27.24%

    Intro Offer* Unlimited cash back match

    *Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. So you could turn $50 cash back to $100. Or you could turn $100 cash back to $200.

  • Getaway by FNBO
    Getaway by FNBO® Credit Card
    Lowest Approved Score 660

    Rewards Range 1x to 3x points
    Average Approved Score 724

    Annual Fee $0
    APR 21.24% and 29.24%

    Intro Offer* None
  • Andrews Federal Credit Union Titanium Rewards Visa Signature Card
    Andrews Federal Credit Union Titanium Rewards Visa® Signature Credit Card
    Lowest Approved Score 719

    Rewards Range 1.5x to 3x points
    Average Approved Score 761

    Annual Fee $0
    APR 14.74% to 18.00%

    Intro Offer* Get a 10,000 point bonus

    *Get a 10,000 point bonus when you spend $1,500 made within 90 days of card opening.

  • American Heritage Cash Reward Mastercard
    American Heritage Cash Reward Mastercard®
    Lowest Approved Score 724

    Rewards Range 1% to 3% cash back
    Average Approved Score 724

    Annual Fee $0
    APR 14.74% to 17.99%

    Intro Offer* $150

    *Earn a $150 Bonus Reward when you spend $1,500 in the first 90 days.

  • Discover It NHL
    NHL® Discover it® Credit Card
    Lowest Approved Score 729

    Rewards Range 1% – 5% cash back
    Average Approved Score 736

    Annual Fee $0
    APR 17.24% to 28.24%

    Intro Offer* Unlimited cashback match

    *Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.

  • Wells Fargo Choice Privileges Select Mastercard
    Wells Fargo Choice Privileges® Select Mastercard®
    Lowest Approved Score 763

    Rewards Range 1x to 10x points
    Average Approved Score 783

    Annual Fee $95
    APR 20.99%, 25.24%, or 29.99%

    Intro Offer* 60,000 bonus points

    *Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.

  • Wells Fargo Signify Business Cash
    Wells Fargo Signify Business Cash(SM) Card
    Lowest Approved Score 745

    Rewards Range 2% cash back
    Average Approved Score 745

    Annual Fee $0
    APR 18.49% to 26.49%

    Intro Offer* $500

    *Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.

  • Truist Enjoy Cash Credit Card
    Truist Enjoy Cash Secured credit card
    Lowest Approved Score 550

    Rewards Range 1% to 3% cash back
    Average Approved Score 570

    Annual Fee $19
    APR 24.49%

    Intro Offer* None
  • Truist Business Visa
    Truist Business Credit Card
    Lowest Approved Score 750

    Rewards Range No rewards
    Average Approved Score 773

    Annual Fee $0
    APR 15.49% to 24.49%

    Intro Offer* None
  • Truist Enjoy Beyond credit card
    Truist Enjoy Beyond credit card
    Lowest Approved Score 659

    Rewards Range 1x to 3x points
    Average Approved Score 700

    Annual Fee $195
    APR 18.49% and 27.49%

    Intro Offer* Earn 30,000 bonus points

    *Earn 30,000 bonus points after you spend $1,500 within 90 days of account opening

  • AAA Daily Advantage
    AAA Daily Advantage Visa Signature® Credit Card
    Lowest Approved Score 648

    Rewards Range 1% to 5% cash back
    Average Approved Score 707

    Annual Fee $0
    APR 19.24% to 33.24%

    Intro Offer* $100

    *Get a $100 statement credit after you spend $1,000 in the first 90 days of account opening.

  • AAA Travel Advantage
    AAA Travel Advantage Visa Signature® Credit Card
    Lowest Approved Score 784

    Rewards Range 1% to 5% cash back
    Average Approved Score 784

    Annual Fee $0
    APR 19.24% to 33.24%

    Intro Offer* $100

    *Earn a $100 statement credit when you spend $1,000 within the first 90 days of account opening.

  • Discover it Chrome
    Discover it® Chrome
    Lowest Approved Score 724

    Rewards Range 1% – 2% cash back
    Average Approved Score 724

    Annual Fee $0
    APR 17.24% – 28.24%

    Intro Offer* Cash back Match

    *Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.

  • Navy Federal More Rewards American Express Card
    Navy Federal More Rewards American Express® Card
    Lowest Approved Score 733

    Rewards Range 1x – 3x points
    Average Approved Score 768

    Annual Fee $0
    APR 14.90% to 18.00%

    Intro Offer* Earn 30,000 bonus points

    *Earn 30,000 bonus points when you spend $3,000 within 90 days of account opening.

  • Truist Enjoy Cash Credit Card
    Truist Enjoy Cash Credit Card
    Lowest Approved Score 674

    Rewards Range 1% to 3% cash back
    Average Approved Score 712

    Annual Fee $0
    APR 18.49% – 27.49%

    Intro Offer* None
  • Sam's Club Mastercard
    Sam’s Club Mastercard
    Lowest Approved Score 520

    Rewards Range 1% – 5% back in Sam’s Cash
    Average Approved Score 694

    Annual Fee $0
    APR 20.90% or 28.90%

    Intro Offer* $30 statement credit

    *Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.

  • credit card
    Redstone Visa Traditional Credit Card
    Lowest Approved Score 736

    Rewards Range No rewards
    Average Approved Score 752

    Annual Fee $0
    APR 12.25% -18.00% variable or 18.00% fixed

    Intro Offer* None
  • Redstone Visa Signature
    Redstone Visa Signature Credit Card
    Lowest Approved Score 707

    Rewards Range 1.5% to 5% cash back
    Average Approved Score 786

    Annual Fee $0
    APR 17.25% – 18.00% variable

    Intro Offer* $150

    *Earn $150 in cash back rewards when you spend $3,000 within the first 90 days

  • Verizon Credit Card
    Verizon Visa® Card
    Lowest Approved Score 659

    Rewards Range 1% – 4% cash back
    Average Approved Score 758

    Annual Fee $0
    APR 23.99%, 26.99% or 30.00%

    Intro Offer* $150

    *Get a $150 statement credit when you open a Verizon Visa Card account and make a purchase using the card within the first 90 days.

  • Bank of America Unlimited Cash Rewards Credit Card for Students
    Bank of America® Unlimited Cash Rewards Credit Card for Students
    Lowest Approved Score 725

    Rewards Range 1.5% cash back
    Average Approved Score 728

    Annual Fee $0
    APR 18.24% to 28.24%

    Intro Offer* Online $200 cash rewards bonus

    *Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.

  • Disney Premier Visa Card
    Disney® Premier Visa® Card
    Lowest Approved Score 689

    Rewards Range 1% to 5% cash back
    Average Approved Score 689

    Annual Fee $49
    APR 19.24% – 28.24%

    Intro Offer* Earn a $300 Statement Credit

    *Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.