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
670 to 739
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.
580 to 669
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.
579 or below
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.