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When it comes to the minimum credit requirements for the card, it's hard to pinpoint that as it is only one consideration when the issuer looks at a card application. That said, Toyota is not going to require every applicant to have a credit score over 800. They probably don't want to deal with anybody who has bad credit either. If you are a person with a fair credit score of at least 650, you might be approved. You can apply for the card by visiting Toyota's website and following the steps on how to become a cardholder, or you can simply visit your local Toyota dealership and ask about the card there.