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When it comes to snagging the credit card you want typically people need a good credit score, which means having a score that falls in the 660 and 719 range. Someone with a score of 650 might want to wait and build their credit up a bit more so they can be fairly sure they will get the card when they apply whether that is for a store card, like RC Willey, or a general rewards card that lets them earn rewards on all purchases, while offering points, miles and cash back.

Some cards are especially designed to help people build their credit, while these cards might not offer as many rewards or perks as other cards – or none at all, some do offer other benefits including waived annual fees and low or no APR offers depending upon the card.