Minimum Credit Score for Credit Card Approval (By Card Type)
Minimum Credit Score for Credit Card Approval (By Card Type) Last updated: April 7, 2026 There is no single minimum credit score that guarantees credit card approval. Card issuers check your credit history and also consider your ability to make the required minimum payments based on income, assets, and current obligations. That is why approval depends on both your credit profile and your ability to pay , not just one number. The better question is usually not “What score do I need for any credit card?” but “What score is realistic for this type of card ?” A secured card, student card, store card, rewards card, and balance transfer card do not all target the same applicant. Short Answer - Secured cards: often possible with a low score or no credit history at all - Student cards: often possible with limited or no credit history , especially for enrolled students, but approval rules still apply - Store cards / starter cards: often easier to qualify for w...