Credit Card Approval Odds: Analyzing User-Reported Credit Scores
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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.
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Lowest Approved Score 710Rewards Range 1% to 5% in pointsAverage Approved Score 763Annual Fee $0APR 34.24%Intro Offer* Up to $225
*Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days after you are approved for a new Shop Your Way Mastercard. For new accounts opened 3/1/24-9/30/24.
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Lowest Approved Score 597Rewards Range 1x to 4x pointsAverage Approved Score 613Annual Fee $0APR 30.24%Intro Offer* None
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Lowest Approved Score 734Rewards Range 1x to 2x milesAverage Approved Score 746Annual Fee $99APR 21.24% to 29.99%Intro Offer* Earn 60,000 AAdvantage® bonus miles
*Earn 60,000 AAdvantage® bonus miles after making your first purchase and paying the $99 annual fee in full, both within the first 90 days.
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Lowest Approved Score 718Rewards Range 1% – 5% cash backAverage Approved Score 743Annual Fee $0APR 17.15% to 29.15%Intro Offer* None
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Lowest Approved Score 638Rewards Range 2% cash backAverage Approved Score 669Annual Fee $0APR 26.99%Intro Offer* None
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Lowest Approved Score 797Rewards Range 1% to 5% cash backAverage Approved Score 797Annual Fee $0APR 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.
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Lowest Approved Score 822Rewards Range 2x to 3x pointsAverage Approved Score 822Annual Fee $95APR 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.
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Lowest Approved Score 776Rewards Range 1% to 4% cash backAverage Approved Score 805Annual Fee $0APR 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.
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Lowest Approved Score 656Rewards Range 1% – 2% cash backAverage Approved Score 656Annual Fee $0APR 17.74% – 26.74Intro 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.
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Lowest Approved Score 660Rewards Range 1x to 3x pointsAverage Approved Score 724Annual Fee $0APR 21.24% and 29.24%Intro Offer* None
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Lowest Approved Score 719Rewards Range 1.5x to 3x pointsAverage Approved Score 761Annual Fee $0APR 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.
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Lowest Approved Score 724Rewards Range 1% to 3% cash backAverage Approved Score 724Annual Fee $0APR 14.74% to 17.99%Intro Offer* $150
*Earn a $150 Bonus Reward when you spend $1,500 in the first 90 days.
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Lowest Approved Score 729Rewards Range 1% – 5% cash backAverage Approved Score 736Annual Fee $0APR 17.74% to 27.74%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.
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Lowest Approved Score 763Rewards Range 1x to 10x pointsAverage Approved Score 783Annual Fee $95APR 20.49%, 24.74%, or 29.74%Intro Offer* 60,000 bonus points
*Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
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Lowest Approved Score 745Rewards Range 2% cash backAverage Approved Score 745Annual Fee $0APR 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.
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Lowest Approved Score 550Rewards Range 1% to 3% cash backAverage Approved Score 570Annual Fee $19APR 24.49%Intro Offer* None
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Lowest Approved Score 750Rewards Range No rewardsAverage Approved Score 773Annual Fee $0APR 15.49% to 24.49%Intro Offer* None
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Lowest Approved Score 659Rewards Range 1x to 3x pointsAverage Approved Score 700Annual Fee $195APR 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
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Lowest Approved Score 648Rewards Range 1% to 5% cash backAverage Approved Score 707Annual Fee $0APR 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.
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Lowest Approved Score 784Rewards Range 1% to 5% cash backAverage Approved Score 784Annual Fee $0APR 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.
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Lowest Approved Score 724Rewards Range 1% – 2% cash backAverage Approved Score 724Annual Fee $0APR 17.74% to 27.74%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.
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Lowest Approved Score 733Rewards Range 1x – 3x pointsAverage Approved Score 768Annual Fee $0APR 15.90% 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.
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Lowest Approved Score 674Rewards Range 1% to 3% cash backAverage Approved Score 712Annual Fee $0APR 18.49% – 27.49%Intro Offer* None
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Lowest Approved Score 520Rewards Range 1% – 5% back in Sam’s CashAverage Approved Score 694Annual Fee $0APR 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.
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Lowest Approved Score 736Rewards Range No rewardsAverage Approved Score 752Annual Fee $0APR 12.25% -18.00% variable or 18.00% fixedIntro Offer* None
