FICO score ranges
|Rating||FICO score range|
|Excellent||740 and higher|
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With this simple information, you may be able to narrow your options right away. Plus, you’ll save yourself from headaches — and unnecessary drops in your credit score — from denied card applications.
Your credit score is far more than simply a passing consideration — it’s one of the key indicators whether you’ll qualify for a credit card.
If your credit score isn’t high enough for a credit card, there’s a good chance you’ll be denied. You’ll want to avoid denied card applications for a few reasons in particular:
This is why it’s smart to be selective about the cards you apply for. By aiming only for cards that fit your credit profile, you can increase your odds of approval and protect your credit score.
There are third-party services that let you check your credit scores once for a fee, or pay an ongoing fee to check your updated scores once a month. These include MyFICO, Experian and GoFreeCredit.
Many banks and credit unions let cardholders check their credit scores for free each month. Most of the time, data is pulled from TransUnion or Experian.
Some of the best ways to find your FICO score are the Discover Scorecard and FreeCreditScore.com, which pull data from Experian. You can check your score monthly and you don’t have to be a Discover customer to use the feature.
|Rating||FICO score range|
|Excellent||740 and higher|
Different types of cards are best for people who fit different credit score ranges. For example, those with poor or fair credit might be better suited for a credit-building card with a low annual fee and that reports your payment history to the three credit bureaus.
Those with good to excellent credit scores are more likely to qualify for some of the best credit cards — including those that offer rewards, such as cashback or travel rewards.
If you have poor credit, we recommend you apply for a secured credit card with no credit check. That’s a mouthful, so let’s break it down:
The best unsecured cards generally go to consumers with good to excellent credit. If you find an unsecured card that’s aimed at applicants with poor credit, you may find high interest rates, expensive annual fees, cringe-worthy terms and more.
Our advice: Strongly consider sticking with a secured card until you’ve repaired your credit.
With fair credit, you’ll still want to avoid most unsecured cards. For one, you may not qualify for the best ones. Also, the ones you do qualify for may offer poor terms, such as high annual fees or interest rates and even the lack of a grace period on interest.
Instead, consider these options:
With good to excellent credit, you can choose from a wide variety of credit cards. These might include:
You won’t automatically qualify for the card you want just because you have a good or excellent credit score. Each provider will evaluate you on a range of criteria, including your annual income and details on your credit report. Be selective and apply only for cards you think you’ll be approved for.
Here are a few credit cards we recommend based on your FICO credit score. If you have poor credit, seriously consider a secured card with no credit check. With fair credit, consider one of the better secured cards that might offer low deposits or even rewards.
If you have good to excellent credit, you have many more options — including cards that offer lucrative cash back, points or miles.
|Poor (300-579)||Fair (580-669)||Good to excellent (670-850)|
Knowing your credit score is essential to finding the right credit card. Armed with this knowledge, you can better gauge your chances of approval.
If you need to build your credit score, consider a secured credit card. You’ll find many great products that will report your payment history to the credit bureaus.
A new crypto card from the unique Upgrade bank.
A bank account that intelligently divvies up your money where you need it for a monthly fee.
A youth savings account with a whopping 7% APY on account balances up to $1,000.
Northpointe Bank’s Kids Savings account earns an unmatched interest rate on balances above $1,000.
A kids savings account with an interest rate that compounds daily but has long hold times for customer service.
Get a line of credit with low closing costs — but you can’t apply online.
A kids’ savings account with a generous interest rate that transitions to a lackluster regular savings account when your child turns 18.
A high-yield savings account that supports multiple currencies.
A checking account-debit card combo marketed for people with disabilities.
Bank of Missouri’s Show Me Savers earns 0.1% APY but can’t be opened online.
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