Credit Scores Explained

BestCards.com uses a variation of FICO® Score 8 for its credit ranges and definitions thereof. FICO® Score 8 is one of multiple types of credit scores used by lenders when considering your credit card application. Keep in mind that meeting the minimum credit level does not automatically guarantee that you will be approved for any particular credit card.

740 or better

Approval odds:

Fairly likely

A credit score of 740 to 850 is considered excellent and is above the average U.S. consumers’ score. Those with excellent credit scores can easily get approved for most credit cards or other lending applications.

Recommended credit card issuers
American Express
Bank of America
Chase
Citibank

670 to 739

Approval odds:

Favorable

A credit score of 670 to 739 is considered good and is on par with the average U.S. consumer’s score. Those with good credit scores have a favorable chance to get approved for all but the most premium credit cards and the lowest interest rates.

Recommended credit card issuers
Chase
Citibank
HSBC
Wells Fargo

580 to 669

Approval odds:

Somewhat unfavorable

A credit score of 580 to 669 is considered fair and is below the average U.S. consumer’s score. Those with fair credit are “subprime” borrowers and have a limited range of credit cards that they can be approved for.

Recommended credit card issuers
Bank of America
Capital One
Discover
USAA

579 or below

Approval odds:

Unlikely

A credit score below 579 is poor and is much lower than the average U.S. consumer’s score. Individuals with poor credit are likely to be rejected for most credit cards, and those they are approved for tend to require security deposits or fees.

Recommended credit card issuers
Milestone
Indigo
U.S. Bank
USAA

No Credit Score

Approval odds:

Slim to none

Those with no credit history have a very narrow selection of cards to choose from. Prepaid cards often do not require a credit history, while secured credit cards are the best starting point towards building a reputable credit score.

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