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You don't need excellent credit, but on the other hand don't apply for it if you have bad credit either. Anytime you have a hard inquiry on your credit report your credit score takes a hit. If you have bad credit there are cards that you can receive. Just be sure that you are applying for a card for someone with bad or limited credit. It would be impossible to give you an exact score as all applications are considered individually and may have other variables such as income that may affect your approval. However, the better you credit score, the better the APR you will be offered. It may not be impossible to get this card if you have bad credit, but I would not even consider applying for it unless you have at least a fair credit rating. If your credit score is under 600, I would not recommend applying for this card.