While credit score is important, it is not the only thing that is considered when you apply for a credit card. Your income, current credit accounts, bankruptcy records, recent late fees and other items will also be taken into account. But still, credit score is the major factor. As for the credit card you want to apply, it is a gas credit card offered by a gas station. The issuers of such cards do not usually require an applicant to have an outstanding credit score but applicants with too low credit score are not welcomed as well. People with the credit score of 550 and higher should have fair chances to get approved for a gas card like Kwik Trip card.