The rule of thumb when apply for credit cards is that good credit is needed to be approved for general rewards cards and store cards. A good credit score typically falls in the 660 to 719 range. If you score is below 660 it may mean that if you apply for the card you want you may not be approved, but taking a little time to build up your credit can be a good way to address this issue. It may mean getting a card designed to help people with lower credit scores build more credit history. That said, these cards usually come with fewer rewards, although some do waive the annual fee, come with special promotional APR’s and other benefits – so it pays to look around.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.