¿Qué puntuación de crédito necesita para que le aprueben una tarjeta de crédito?

Chase Libertad Flex℠

En pocas palabras

Chase Freedom Flex ^SM ofrece un tentador bono de inscripción de $200 después de gastar $500 en los primeros tres meses. Además de recompensas de reembolso en efectivo en viajes, cenas, farmacias y compras diarias con recompensas que nunca caducan. ¡Todo sin cargo anual!

Lo que nos gusta:

• Impresionante bono de reembolso de $200 después de gastar $500 en compras en los primeros 3 meses desde la apertura de la cuenta.

• Obtenga un 5 % de reembolso en efectivo en viajes reservados a través de Chase Ultimate Rewards® y en compras combinadas de hasta $1500 en categorías de bonificación cada trimestre que active. Disfrute de nuevas categorías del 5 % cada trimestre y gane un 1 % en todas las demás compras.

• APR introductorio del 0 % en compras y transferencias de saldo durante 15 meses desde la apertura de la cuenta en compras, luego una APR variable de 17,24 % a 25,99 %.

• Obtenga un bono de $200 después de gastar $500 en compras en los primeros 3 meses desde la apertura de la cuenta.
• 5 % de reembolso en efectivo en hasta $1500 en compras combinadas en categorías de bonificación cada trimestre que active. ¡Disfruta de nuevas categorías del 5 % cada trimestre!
• 5 % de reembolso en efectivo en viajes comprados a través de Chase Ultimate Rewards®, nuestro principal programa de recompensas que le permite canjear recompensas por reembolsos en efectivo, viajes, tarjetas de regalo y más
• Reembolso del 3 % en compras en farmacias y cenas en restaurantes, incluido el servicio de comida para llevar y entrega elegible, y reembolso ilimitado del 1 % en todas las demás compras.
• Sin mínimo para canjear por reembolsos en efectivo. Puede optar por recibir un crédito en el estado de cuenta o un depósito directo en la mayoría de las cuentas corrientes y de ahorro de EE. UU. ¡Las recompensas de devolución de efectivo no caducan mientras su cuenta esté abierta!
• APR inicial del 0 % durante 15 meses desde la apertura de la cuenta en compras y transferencias de saldo, luego una APR variable del 17,24 % al 25,99 %.
• Sin tarifa anual:no tendrá que pagar una tarifa anual por todas las excelentes funciones que vienen con su tarjeta Freedom FlexSM
• Controle su salud crediticia:Chase Credit Journey lo ayuda a monitorear su crédito con acceso gratuito a su puntaje más reciente, alertas en tiempo real y más.

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Con Chase Freedom Flex℠, los titulares de tarjetas ganan un 5% de reembolso en efectivo en hasta $1,500 en compras combinadas en categorías de bonificación cada trimestre que active. Las categorías cambiarán cada trimestre.

Esta tarjeta también ofrece un 5 % de reembolso en viajes reservados a través de Chase Ultimate Rewards® y un 3 % de reembolso en efectivo en compras en restaurantes y farmacias.

Los titulares de tarjetas también obtendrán un reembolso ilimitado del 1 % en efectivo en todas las demás compras.

Lea nuestra reseña completa de Chase Freedom Flex℠.

Crédito promedio:600–699

Si acaba de comenzar a usar el crédito o se está recuperando de uno o dos pagos atrasados, probablemente tendrá un puntaje de crédito más bajo en los 600.

Esto significa que tendrá problemas para que le aprueben muchas de las tarjetas de crédito que ve más anunciadas, pero no se preocupe, todavía hay ofertas para usted.

Not knowing this, you may try to apply for several cards and get declined which, in turn, will hurt your credit score even more. If you’re in this group, you’ll want to know which credit cards will offer you the best chance of approval and apply for those cards first. You may be able to get approved for some of the leading cards, but it’s iffy.

Pay attention to the minimum credit score range required. Choosing a card that matches your credit score is your best shot for approval.

• Best Credit Cards if Your FICO Score is Between 650 and 699
• Best Credit Cards if Your FICO Score Is Between 600 and 649

Suggested Credit Cards for Average Credit:

If you have OK but not great credit, Capital One should be your first stop for a new credit card. Capital One is a major card issuer that has some cards well-suited for consumers with average but not-quite excellent credit. Because they’re such a big bank, Capital One has lots of great cards and you may be able to upgrade your card as your credit improves.

In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

• Fair

What We Like:

• Only average / fair / limited credit is required for approval

• Be automatically considered for a higher credit line in as little as 6 months

• No annual fee or foreign transaction fees

Apply Now>>

The no-fee Capital One Platinum Credit Card gives you access to a higher credit line after making your first six monthly payments on time. It’s designed to be a good first credit card or a good first new card as you get back on your feet from past credit problems.

Read our full Capital One Platinum Credit Card review.

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

• Fair

What We Like:

• 1.5% cash back on all purchases.

• Be automatically considered for a higher credit line in as little as six months.

• No foreign transaction fees and a modest $39 annual fee.

Apply Now>>

Alternately, the Capital One QuicksilverOne Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase with a low annual fee.

Read our full Capital One QuicksilverOne Cash Rewards Credit Card Review.

Credit One Credit Cards

Credit One Bank is a lesser-known but rapidly growing issuer with credit cards especially for consumers with average or limited credit.

Compare Credit One credit cards.

Bad Credit:Under 600

If you’re in the last group and have bad credit because you’ve missed payments, had collection accounts, or a foreclosure, you need to take special steps to get approved for a credit card.

If you’re in this situation, you should only apply for a credit card in an effort to begin rebuilding credit (NOT to spend money you don’t have!). Usually, this means applying for a secured credit card.

A secured credit card requires a security deposit before you can begin making charges. That security deposit acts as your credit limit. Although that may sound like a debit card or prepaid card, the secured credit card will report your payment history to the credit bureaus, which debit and prepaid cards do not do.

After a year or so of using a secured card, you may be able to upgrade to an unsecured account and get your deposit back.

Suggested Credit Card for Bad Credit:

In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

• Poor

What We Like:

• Put down a refundable security deposit starting at $49 to get a $200 initial credit line.

• Be automatically considered for a higher credit line in as little as six months with no additional deposit needed.

• No annual fee and no foreign transaction fees.

Apply Now>>

How Does Your Credit Score Affect Your Credit Card Application?

Banks use your credit score to estimate their risk that you won’t pay back your credit card charges. The higher your credit score, the less risky and the higher your chance of getting approved for a credit card.

Banks also factor in your credit score when deciding how much of a credit limit to give you after you’re approved for a new credit card.

What’s the lesson? Know your credit score. (Remember, you can use our free credit score estimator above or there are lots of free credit monitoring services to check your score online.)

Keeping track of your credit score can alert you to problems in your credit report and show you how timely payments are paying off as your score goes up. You can also compare your score to national averages so you know how good a job you’re doing managing credit.

I’ve Got Good Credit — Why Was I Denied for a Credit Card?

Oftentimes you can still be denied for a credit card even though your credit score isn’t that bad. This is especially true if your credit score isn’t in the mid-700s or better.

What gives?

Banks’ approval criteria for each card changes all the time. But common reasons you may be denied a credit card, even if you have a good credit score, include:

• Too much debt (or high credit balances even if you pay them off).
• Too much available credit.
• Too short of a credit history.
• Recent late payments, charge-offs, or other negative items.

If your credit score is in the high 600s, you may still get approved for some of the leading card offers, but this is where you have to be careful. You’re more likely to be approved if you have a year or two of on-time payments and very little credit card debt. If your score is lower than 700 because you’ve missed payments or have a lot of revolving debt, your approval chances are lower.

Don’t apply for new credit if you have recent late payments or big balances on your existing credit cards. Even if you pay your cards in full each month, that big balance from the month you went on vacation could look like debt to a bank’s computers. The best time to apply for a new credit card is when:

• Your current card balances aren’t too high.
• You have not missed a payment in the last two years.
• You have not recently applied for other credit.

Resumen

There is a credit card out there for every credit score, even poor credit. But before you apply for any credit card, make sure you read the fine print.

Leer más:

• Best Rewards Credit Cards
• Best Credit Card Sign-Up Bonus Offers