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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.