Getting a New Credit Card

Potential creditors check your report to see how well you're doing with the cards you already have before approving you for new credit.

Based on My Credit, What's the Right Card for Me?

Each credit card has a minimum credit score needed for approval. Typically, the higher your credit score, the lower your interest rate, and the better your rewards.

See what a credit card company sees when you apply for a credit card.

Get Your Free Credit Report and Score Now

No purchase or credit card required

Under 620

  • Likely to be approved for a subprime credit card, but that usually means having a higher-than-normal interest rate, higher annual fee or a lower credit limit
  • May be best to start by applying for a secured credit card; this is a great way to establish your credit before being approved for an unsecured card

620-719

  • May have more success applying with the bank or credit union with which you already have an account
  • May be approved for a wider range of cards, including a few with cash back rewards (most of these will come with a higher interest rate and annual fees)

720 and up

  • Should have best pick of credit cards, rates and rewards
  • May be eligible for special offers, such as 0% balance transfers and 0% APR
  • May have the flexibility to negotiate interest rates, credit limits and rewards with current cards

Check Out These Offers from Our Partners

Barclaycard CashForward™ World Mastercard®

at our partner's
secure site

  • Get a $200 cash rewards bonus after you spend $1,000 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase. Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into a U.S. checking or savings account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • Enjoy a 0% introductory APR for the first 15 months on purchases.
  • Plus, you'll get a 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that a variable APR will apply, 15.99%, 20.99% or 25.99%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers
  • No annual fee
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

0% for 15 months

0% for 15 months (on balance transfers made within 45 days of account opening)

15.99%, 20.99% or 25.99% Variable

$0

Excellent

Barclaycard Arrival Plus® World Elite Mastercard®

at our partner's
secure site

  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness.
  • There is a fee for balance transfers.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

0% for 12 months (on balance transfers made within 45 days of account opening)

16.99%, 20.99% or 23.99% Variable

$89 - Waived first year

Excellent

Mastercard® Gold Card™

at our partner's
secure site

  • 24K-Gold Plated – Patented Card Design
  • 2% Value for Airfare Redemptions
  • 2% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $200 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $995 ($295 for each Authorized User)
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

0% for 15 months

15.99% Variable

$995

Excellent Credit

Mastercard® Black Card™

at our partner's
secure site

  • Stainless Steel - Patented Card Design
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Annual Fee: $495 ($195 for each Authorized User)
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

0% for 15 months

15.99% Variable

$495

Excellent Credit

Mastercard® Titanium Card™

at our partner's
secure site

  • Brushed Stainless Steel - Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1% Value for Cash Back Redemptions
  • 24/7 Luxury Card Concierge™
  • Exclusive Luxury Card Travel Benefits
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $195 ($95 for each Authorized User)
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

0% for 15 months

15.99% Variable

$195

Excellent Credit


Tips to Consider When Applying for Credit Cards

  • Keep cards open. Canceling accounts in good standing may shorten your credit history and reduce your available credit, which could drive up your debt utilization ratio.
  • Pay on time. Avoid late payments or big balances on your existing cards.
  • Limit inquiries. New credit typically makes up a small percentage of your overall credit score and too many recent inquiries may lower it.
  • Know your credit. Check your credit report for errors as incorrect information may affect your score.