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What Credit Score Do You Need to Qualify for the BEST Credit Cards From Each Bank?

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What Credit Score Do You Need to Qualify for the BEST Credit Cards From Each Bank?

Andrew WanWhat Credit Score Do You Need to Qualify for the BEST Credit Cards From Each Bank?Million Mile Secrets Team

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The best travel credit cards come with top notch benefits, such as cash back, travel perks like airport lounge access, and incredibly lucrative welcome bonus offers.  Of course, these are things that we all want, but banks won’t exactly hand them out to just anyone.  You’ll typically need good credit to qualify for the best credit cards out there!

Which leads us to the million-dollar question.  What credit score do you need to qualify for the best credit cards?

Well, there’s no one answer to that, because every bank has their own approval criteria.  Plus, your credit score is just one of several things that’s factored into deciding whether or not you’ll qualify, so even with a great credit score, there’s still no guarantee you’ll be approved!

So the short answer is:   It really depends.

Yes, I know.  That’s not the answer you were looking for.  So I’ve gone ahead and combed through the far reaches of the internet researching what people in online forums have reported when it comes to their experiences with different banks, and I’ve laid out the common trends I saw for 6 different banks!

The best credit cards have amazing perks, but you’ll often need to have a good credit score to land an approval!

What Credit Score Do You Need for the Best Credit Cards?

More Lenient Lenders, for Those With a Score <720!

We often recommend you not begin in the miles & points hobby until your credit score is at least 700.

In perusing online forums, it seems the general consensus is that Capital One and American Express are among the easiest to be approved for with a credit score below 720.  But there’s so much more to it than just a credit score, so let’s dive into the details!

Capital One

Capital One has some great cards, like the Capital One® Savor® Cash Rewards Credit Card and Capital One® Venture® Rewards Credit Card.

I was able to find a TON of people online who said Capital One was the easiest to land an approval.  Most said they were approved with scores below 700, I found one report of a 659 approval, and even a report of someone who included Capital One with a bankruptcy a few years back, and was still able to get approved for a new card!

Among the MMS team, a few of us have had trouble with Capital One approvals despite excellent credit scores.  That goes to show you the credit score isn’t the only factor!

For example, the most common trend I see with Capital One denials is the fact that they can be sensitive to inquiries and high credit card balances.  And I will say that I was surprised to find so many reports of approvals with lower credit scores, especially since Capital One’s own website says you need excellent credit for many of their cards.  But they do lay out what they consider excellent credit:

  • You’ve never defaulted or declared bankruptcy
  • You’ve never been more than 60 days late on a credit card, medical bill, or loan in the last 12 months
  • You’ve had a credit card for at least 3 years, and a credit limit of $5,000 or above

So there you have it.  As long as you fit those criteria, you’ll probably have a solid chance of being approved for that dream card of yours with Capital One!

American Express

American Express has a ton of airline and travel credit cards.  Among my favorites are The Platinum Card® from American Express and the American Express® Gold Card.

Considering a lot of AMEX’s marketing campaigns I’ve seen over the years have catered towards a more affluent and luxurious style of traveling, I was a bit surprised at how many people said it was actually pretty easy to land an approval for one of their cards.

I found plenty of people who said they were approved with scores in the 680 to 690 range, and even some approvals in the 650s!

Though if you’ve ever included AMEX with a bankruptcy filing or still owe them money, it will be nearly impossible to land an approval, even if it’s no longer on your credit report.

Other common trends I see in denials include too many recently opened accounts, too many recent credit inquiries, and high credit utilization (the basic stuff).

Strict Banks That Require Excellent Credit >720!

Perhaps not surprisingly, most of the banks I researched seemed to have tougher approval criteria for their best credit cards, generally requiring a credit score over 720.

So you know the drill, let’s dive in for the details!

Citi

Citi has some great cards that earn flexible ThankYou points, like the Citi Premier Card.

There were many reports online of people who said Citi can be quite picky when it comes to their approvals.  A strong credit score over 720 definitely helps, but it might not be the silver bullet most people think.

Even with a good credit score, late payments can cause your application to be denied, even if they were several years ago.  They’ve also been known to be very sensitive to new credit inquiries and recently opened accounts, and they do look at your credit card balances and utilization.

Again, your situation could very well differ because there are so many factors that are taken into consideration, but if you avoid these common trends, you should improve your chances of an approval.

If you’ve ever been late on a bill, you might have trouble being approved for a Citi credit card

Chase

Chase’s more popular cards include the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, and the Ink Business Preferred℠ Credit Card (it’s got a HUGE bonus).  They also have plenty of fantastic hotel and airline credit cards.

And although they use slightly different approval criteria for each product, you’ll generally need to have a good credit score above 720 to have the best chances of approval.  I did find reports online of approvals with scores as low as the 660s, though those seemed to be the exception, and I’d stick with a score over 720 to be on the safer side.

Common reasons for denial are plentiful, from reports of having too many recent credit inquiries, too many recently opened accounts, too low of an average age of accounts, and high credit utilization ratios.  You’ll also not be approved for most Chase cards if you’ve opened 5+ cards from any bank (except certain business cards) in the past 24 months.  This is commonly known as the Chase 5/24 rule.

US Bank

When it comes to premium travel cards, US Bank is most well-known for the US Bank Altitude Reserve Visa Infinite® Card.  With the opportunity to earn 50,000 bonus points ($750 in travel) after spending $4,500 on purchases in the first 90 days of account opening, and the ability to earn 3X points per $1 on eligible mobile wallet and travel purchases, I can see why it’s a popular card for many.

As popular as it is, this also seems to be a pretty difficult card to be approved for!  The vast majority of reports I found online from people who were were approved had credit scores well above 700.  That’s not to say you won’t get approved if you have a lower credit score, but it won’t exactly help your case.

And because US Bank is a full-service bank, they recommend you have an established banking relationship.  In fact, to be eligible for the US Bank Altitude Reserve, you need a relationship with US Bank (auto loan, checking account, credit card, etc).  And you’ll need to have maintained it for at least 5 days before submitting your application for this card.

I found a few reports of approvals with scores in the 680s, although they speculated they were approved because they already had an established banking relationship with US Bank.

And the 2 most common trends I saw for denied applications?  Too many recent credit inquiries, and too many recently opened accounts.  So it would seem the consensus would be to lay off those credit card applications for a while to improve your chances of success with US Bank.

Having an existing relationship with US Bank will help tip the scales in your favor if you’ve got your eye on one of their credit cards

Discover

Discover’s a bit of an interesting one, and although I found approvals online with scores as low as 651 for cards like the Discover it® Miles credit card, many people in online forums suggested a score north of 720 is best.

That being said, Discover seems to be a bank that focuses more on your credit profile rather than your credit score.  For instance, it might be more difficult to secure an approval with them if you already have a lot of other cards with high credit limits.

That might seem counterintuitive since having many other cards with high limits would suggest you’re a responsible user of credit, but my best guess is that Discover likes to limit their exposure, and it might be difficult for them to justify approving you for more credit if they think you’ve already got enough credit with other banks.

Bottom Line

Perhaps not surprisingly, many of the best credit cards seem to require good credit above 720.  And based on reports in online forums, the most lenient banks are Capital One and American Express.

But remember that your credit score is only one of several things the bank may look at when deciding whether or not to approve your application.  So just because you have a certain credit score does not necessarily guarantee you’ll be approved.  Banks can look at things like your recent credit inquiries, your average age of accounts, how long ago your last late payment was, your relationship with the bank, and of course things like your employment and income.

We’d love to hear your thoughts and experiences with these banks.  Have they been as easy (or difficult) to be approved for as others have said?  Let us know down in the comments!  And subscribe to our newsletter for more handy credit card tips:

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Chase Sapphire Preferred® Card

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I found Capital One really tricky. I have an excellent score around 800 and my utilization ratio is really low and I’ve had an S Corp for 8 years. They even denied me for a business credit card saying that I had too many recently opened accountS. I know their business cc applications count for hard inquiries on one’s credit reports too. I am staying away from Capital One for the moment. Chase and Amex have so many more appealing cards. With Citi, they always consider your spending history when you try to ask for retention offers after the initial year and it is very hard to get any good retention offer on their AAdvantage cards, personal or business. At least that is my experience with them. I guess Citi and I are grown apart gradually too, lol.

I was approved for the Chase Sapphire Preferred with a 652. However, I have had my car loan with them for 2 years and the freedom for a year and a half.

“too many recently opened accounts”

I’m sure it depends but is there a consensus in MMS land of what recent is?

There are numerous versions of credit scores that each of the three credit bureaus provide companies that use them to determine who they would approve. What credit score are you using to base your analysis on?

I have a capital one credit card with no annual fee. When they approved me my score was just under 600. Granted it was only for $300 to start, but once you prove you are reliable by paying on time they increase your limits.

I do believe the only reason they approved me was I had worked at the same job for quite a long time and that everything I owed was medical bills.

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