Credit Card Approval Odds: Analyzing User-Reported Credit Scores (2024)

ByRob BergerLast Updated: May 23, 2024

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Credit scores are an important factor in the credit card approval process. For that reason, we collect credit score data on credit card approvals and denials from online forums and websites as reported by users.

Below, you’ll find that data by credit card. Please keep a few things in mind:

Credit scores are just one factor in the underwriting process;
Credit score requirements for a credit card change over time;
Our credit score data is believed to be accurate but cannot be confirmed;
The credit card issuers have not reviewed or approved this data;
We have relatively little credit score data on some cards. In some cases, we have just one data point.

Important: The Credit Score dropdown filter below is based on the lowest approved credit score we can find for each card.

Credit Score

1-25 of 197 results

Discover it® Student Chrome
Lowest Approved Score
656
Rewards Range
1% – 2% cash back
Average Approved Score
656
Annual Fee
$0
APR
18.24% – 27.24%
Intro Offer*
Unlimited cash back match
*Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. So you could turn $50 cash back to $100. Or you could turn $100 cash back to $200.
Getaway by FNBO® Credit Card
Lowest Approved Score
660
Rewards Range
1x to 3x points
Average Approved Score
724
Annual Fee
$0
APR
21.24% and 29.24%
Intro Offer*
None
Andrews Federal Credit Union Titanium Rewards Visa® Signature Credit Card
Lowest Approved Score
719
Rewards Range
1.5x to 3x points
Average Approved Score
761
Annual Fee
$0
APR
14.74% to 18.00%
Intro Offer*
Get a 10,000 point bonus
*Get a 10,000 point bonus when you spend $1,500 made within 90 days of card opening.
American Heritage Cash Reward Mastercard®
Lowest Approved Score
724
Rewards Range
1% to 3% cash back
Average Approved Score
724
Annual Fee
$0
APR
14.74% to 17.99%
Intro Offer*
$150
*Earn a $150 Bonus Reward when you spend $1,500 in the first 90 days.
NHL® Discover it® Credit Card
Lowest Approved Score
729
Rewards Range
1% – 5% cash back
Average Approved Score
736
Annual Fee
$0
APR
17.24% to 28.24%
Intro Offer*
Unlimited cashback match
*Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.
Wells Fargo Choice Privileges®Select Mastercard®
Lowest Approved Score
763
See Also
Exploring How Artificial Intelligence is Streamlining and Improving the Credit Card Approval Process What Companies Look at For Credit Card Approval? | Chase Is It Getting Harder to Be Approved for a Credit Card? This New Fed Survey Says Yes How to Get a Credit Card
Rewards Range
1x to 10x points
Average Approved Score
783
Annual Fee
$95
APR
20.99%, 25.24%, or 29.99%
Intro Offer*
60,000 bonus points
*Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.
Wells Fargo SignifyBusiness Cash(SM)Card
Lowest Approved Score
745
Rewards Range
2% cash back
Average Approved Score
745
Annual Fee
$0
APR
18.49% to 26.49%
Intro Offer*
$500
*Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
Truist Enjoy Cash Secured credit card
Lowest Approved Score
550
Rewards Range
1% to 3% cash back
Average Approved Score
570
Annual Fee
$19
APR
24.49%
Intro Offer*
None
Truist Business Credit Card
Lowest Approved Score
750
Rewards Range
No rewards
Average Approved Score
773
Annual Fee
$0
APR
15.49% to 24.49%
Intro Offer*
None
Truist Enjoy Beyond credit card
Lowest Approved Score
659
Rewards Range
1x to 3x points
Average Approved Score
700
Annual Fee
$195
APR
18.49% and 27.49%
Intro Offer*
Earn 30,000 bonus points
*Earn 30,000 bonus points after you spend $1,500 within 90 days of account opening
AAA Daily Advantage Visa Signature® Credit Card
Lowest Approved Score
648
Rewards Range
1% to 5% cash back
Average Approved Score
707
Annual Fee
$0
APR
19.24% to 33.24%
Intro Offer*
$100
*Get a $100 statement credit after you spend $1,000 in the first 90 days of account opening.
AAA Travel Advantage Visa Signature® Credit Card
Lowest Approved Score
784
Rewards Range
1% to 5% cash back
Average Approved Score
784
Annual Fee
$0
APR
19.24% to 33.24%
Intro Offer*
$100
*Earn a $100 statement credit when you spend $1,000 within the first 90 days of account opening.
Discover it® Chrome
Lowest Approved Score
724
Rewards Range
1% – 2% cash back
Average Approved Score
724
Annual Fee
$0
APR
17.24% – 28.24%
Intro Offer*
Cash back Match
See Also
Chase’s 5/24 rule: Everything you need to know - The Points Guy
*Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
Navy Federal More Rewards American Express®Card
Lowest Approved Score
733
Rewards Range
1x – 3x points
Average Approved Score
768
Annual Fee
$0
APR
14.90% to 18.00%
Intro Offer*
Earn 30,000 bonus points
*Earn 30,000 bonus points when you spend $3,000 within 90 days of account opening.
Truist Enjoy Cash Credit Card
Lowest Approved Score
674
Rewards Range
1% to 3% cash back
Average Approved Score
712
Annual Fee
$0
APR
18.49% – 27.49%
Intro Offer*
None
Sam’s Club Mastercard
Lowest Approved Score
520
Rewards Range
1% – 5% back in Sam’s Cash
Average Approved Score
694
Annual Fee
$0
APR
20.90% or 28.90%
Intro Offer*
$30 statement credit
*Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.
Redstone Visa Traditional Credit Card
Lowest Approved Score
736
Rewards Range
No rewards
Average Approved Score
752
Annual Fee
$0
APR
12.25% -18.00% variable or 18.00% fixed
Intro Offer*
None
Redstone Visa Signature Credit Card
Lowest Approved Score
707
Rewards Range
1.5% to 5% cash back
Average Approved Score
766
Annual Fee
$0
APR
17.25% – 18.00% variable
Intro Offer*
$150
*Earn $150 in cash back rewards when you spend $3,000 within the first 90 days
Verizon Visa® Card
Lowest Approved Score
659
Rewards Range
1% – 4% cash back
Average Approved Score
758
Annual Fee
$0
APR
23.99%, 26.99% or 30.00%
Intro Offer*
$150
*Get a $150 statement credit when you open a Verizon Visa Card account and make a purchase using the card within the first 90 days.
Bank of America® Unlimited Cash Rewards Credit Card for Students
Lowest Approved Score
725
Rewards Range
1.5% cash back
Average Approved Score
728
Annual Fee
$0
APR
18.24% to 28.24%
Intro Offer*
Online $200 cash rewards bonus
*Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
Disney® Premier Visa® Card
Lowest Approved Score
689
Rewards Range
1% to 5% cash back
Average Approved Score
689
Annual Fee
$49
APR
19.24% – 28.24%
Intro Offer*
Earn a $300 Statement Credit
*Earn a $300 Statement Credit after you spend $1,000 on purchases in the first 3 months from account opening.
Lowest Approved Score
692
Rewards Range
1x to 3x points
Average Approved Score
692
Annual Fee
$0
APR
21.24% – 29.24%
Intro Offer*
Earn a $100 statement credit
*Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
PNC BusinessOptions® Visa Signature® Credit Card
Lowest Approved Score
750
Rewards Range
1% – 1.5% cash back, or 5x points, or 1x miles
Average Approved Score
783
Annual Fee
$0
APR
16.24% – 22.24% Variable
Intro Offer*
Earn a $750 Statement Credit
*Earn a $750 Statement Credit when you make at least $25,000 in qualifying purchases, using your new PNC BusinessOptions Visa credit card account, during the first three billing cycles following account opening.
PNC Visa® Business Credit Card
Lowest Approved Score
761
Rewards Range
No rewards
Average Approved Score
761
Annual Fee
$0
APR
15.24% – 25.24% variable
Intro Offer*
None
PNC Cash Rewards® Visa Signature® Business Credit Card
Lowest Approved Score
715
Rewards Range
1.5% cash back
Average Approved Score
758
Annual Fee
$0
APR
19.24% to 27.24%
Intro Offer*
$400
*Earn a $400 cash bonus when you make at least $3,000 in qualifying net purchases during the first three billing cycles following account opening.

Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.