What do I need to apply for a credit card? 4 requirements | finder.com
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What you need to apply for a credit card

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Find out exactly what information is required for your credit card application here.

Getting a new credit card is always subject to application approval from the bank or card issuer. The exact requirements you’ll need to meet vary between credit card providers, but there are a few common eligibility requirements you’ll have to meet and information that you will have to provide that will be consistent from bank to bank.

This guide outlines the basic requirements and information you need to ensure your credit card application process goes as smoothly as possible.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
2x points on travel and dining. 1x points on all other purchases
18.24% to 25.24% variable
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
N/A
14.24%, 20.24% or 25.24% variable
$0
An 15 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
17.24% to 25.99% variable
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn unlimited 1.5% cash back on your purchases
15.24% to 26.24% variable
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
19.24% to 26.24% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
2x points on gas, groceries and airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
16.24% to 26.24% variable
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
18.24% to 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
2x miles on Delta purchases and 1x miles on all other purchases
17.99% to 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership. Rates & fees
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees
2x points on purchases through Amex Travel and 1x points on all other purchases
None (Charge Card)
$0 intro annual fee for the first year ($95 thereafter)
Earn 5,000 Membership Rewards® points after your first purchase on the card within the first year of card membership. Rates & fees
6x points at Marriott Bonvoy hotels; 4x points at US restaurants, US gas stations, and on US wireless telephone and shipping services; 2x points on all other purchases
17.99% to 26.99% variable
$125
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership. Rates & fees
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening. Rates & fees
Earn 2x miles on every purchase made directly with Delta and earn 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months. Plus earn $50 after you make your first Delta purchase in the same timeframe. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$195
Earn 5,000 Medallion Qualification Miles (MQMs) plus 35,000 bonus miles after spending $1,000 in the first 3 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Rates & fees
2x miles on direct Delta purchases and 1x miles on all other purchases
17.99%, 21.99% or 26.99% variable
$450
Earn 40,000 bonus miles and 10,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months. Rates & fees
12x points at Hilton hotels, 6x points on select business and travel purchases and 3x points on all other purchases
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases within the first 3 months of card membership. Rates & fees
1% cash back to your choice of nonprofits, K-12 schools, colleges and religious organizations
16.24% to 22.24% variable
$0
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
17.24% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
17.24% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points on all purchases with 2% point value when you redeem for airfare or cash back
17.24% variable
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
2x miles on all purchases
18.24%, 22.24% or 25.24% variable
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
15.24% to 26.24% variable
$0
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
18.49% to 25.49% variable
$0
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.
See terms
See terms
The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
9.99% fixed
$48
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
19.64% variable
$35
A secured Visa® credit card that helps you build your credit quickly.
1% cash back on all purchases
20.99% variable
$0
Designed for college students to build credit history and earn rewards.
25.24% variable
$0
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
N/A
14.74% variable
$39
No minimum credit score and no credit history required.
N/A
10.74% variable
$49
Build or rebuild your credit with this secured card.

Compare up to 4 providers

What are the eligibility requirements?

The basic credit card eligibility criteria vary based on the type of credit card and the provider, but generally include the following:

  • Age. You must be 21 years old to apply for a credit card in the United States. You can apply if you are at least 18 if you have a parent’s permission or a verifiable source of income.
  • Residency status. Most credit card providers require you to be a permanent resident or citizen of the U.S. But there are a limited number of cards available for temporary residents with valid visas.
  • Income. Before the CARD Act of 2009, credit card companies would give cards to anyone, even those with no income. But more standards are in place, and income can sometimes be a factor in the credit card you apply for.
  • Credit history. You must have good credit history to apply for most credit cards. If you’re struggling with no or low credit, you can rebuild your credit score with a secured credit card.

What information will I need to provide on my application?

The order of this information could vary depending on the credit card you’re applying for, but you will need to include details in the following categories.

Personal information

Most credit card applications begin by requesting details about your personal information. Ensure that all of the following information you provide is correct:

  • Personal information. This includes your full name and date of birth.
  • Citizenship. Are you a citizen of the U.S.?
  • Social Security number. Most banks require a Social Security number, but there are ways around it. You might be able to supply your Individual Taxpayer Identification Number (ITIN), if you have one, instead. Anyone can obtain an ITIN regardless of immigration status. You can apply for one through the IRS.
  • Residential address. These details relate to your current home address and the length of time you have been there. In certain cases, you could also be asked to provide information on previous residential addresses.
  • Contact details. Most lenders now require a valid email address as well as a phone number.

Note that if you are applying for a joint credit card account, all of the same information will be required for the additional applicant.

Employment and income information

The financial institution that you are applying with may want to verify that you are receiving a steady income. To do this they will ask for:

  • Your occupation. For example, you’ll need to provide your title and the field you work in, and whether you work full or part time.
  • Employer information. You’ll need to specify the amount of time you’ve been with your current employer and provide your employer’s name and contact information. In some cases, you may also be asked to list previous employment details as well.
  • Income. Include details of your annual income before taxes, as well as any secondary income you may receive, such as benefits or child support.
  • Self-employed. If you are self-employed when applying for a credit card, you may need to provide your previous year’s income tax returns to verify your income.

Financial information

The financial information portion of a credit card application helps to determine if you qualify for the card. It also helps in determining your credit limit. Information you’ll need to provide here includes:

  • Account details. This includes details for savings and checking accounts, along with the current balances.
  • Assets. Assets could include savings, investments and property.
  • Monthly housing payments. You will be asked to provide the amount of your monthly mortgage or rent payment.
  • Credit and other bets. You’ll need to provide details of any existing credit accounts or debts, such as credit cards, personal loans or car payments.

Card preferences

At this point in your application, you will be asked for your card preferences and often given the option for a balance transfer. Information in this section will include:

  • Additional cardholders and their details. If you have an eligible partner or dependent who you’d like to add as an additional cardholder, make sure to have their personal details on hand for this part of the application. You will need to provide their full name, age and contact information.
  • Balance transfer. If you are applying for a balance transfer from an existing card to the new card, you will need to include details of your current credit card account, the financial institution and the amount of debt that you wish to transfer. Also note that you may not be able to transfer the balance from a card that is issued by the same provider. For example, you can’t transfer a balance from one Citibank card to another Citibank card.

After you have completed these steps, you will be asked to review your details before hitting the “submit” button. Thoroughly check your form for accuracy, and remember that the application cannot be recalled once it’s submitted. It will also trigger an inquiry on your credit file, so make sure it’s worthwhile.

What else do I need to remember when applying?

Depending on the type of credit card you’re applying for, you may be required to provide proof of your income and other supporting financial documentation for approval.

  • Supporting documentation. After you have submitted the initial application (or during the application), you may be required to provide documentation that supports the information provided. This typically includes identifying documents with a photo, several recent paystubs and/or tax documents.
  • Document submission. Check out how the process works for verifying your documents. In some cases, you may be able upload copies online via a secure service, while in others you might have to bring them into a branch.
  • “Instant” approval. Most credit card applications you submit online will provide you with a response within 60 seconds. Remember that if you are approved at this stage, you may still have to provide the supporting documents in order to receive and activate your card.

If you do the research first and gather together all of the information required, filling out a credit card application online will only take a few minutes. And thanks to the convenience of 60-second approval times, you could know within 15 minutes of clicking “Apply now” whether you will be getting a brand new credit card.

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