What bank is the hardest to get a credit card from?
Centurion® Card from American Express
Centurion Card from American Express
It is widely regarded as one of the most difficult credit cards to obtain due to strict eligibility criteria and limited membership.
The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit. But unlike many other secured credit cards, it has a generous rewards structure.
Depending on how good your banking relationship is, it may even help you score a better interest rate, lower fees, a longer promotional financing period or a sign-up bonus if you are approved for the credit card.
First Latitude Select Mastercard® Secured Credit Card
Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit. No minimum credit score required for approval!
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
Is it better to get a credit card through your bank or another bank?
Use your card for everyday purchases.
Getting a credit card from your bank can be a great way to continue building your financial profile and credit history as well as earning valuable rewards. It can also be easier to qualify for a credit card from an issuer you already have a good relationship with.
Credit card applications often ask if you have a savings or checking account because they're considered a positive indicator of creditworthiness. Bank accounts also establish a relationship with the card issuer or credit union, which is sometimes a prerequisite for approval.
When applying for a loan, a mortgage or a credit card, lenders will ask for your salary and income because these metrics measure how much money you have, or your capacity to make monthly payments. They may want to see proof such as recent pay stubs, tax returns, W-2 forms, direct deposit and/or bank statements.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®.
- Chase Freedom Rise℠ New to Credit. ...
- Petal® 2 “Cash Back, No Fees” Visa® Credit Card. Limited, Fair, Good, Excellent. ...
- Capital One Platinum Credit Card. Average, Fair, Limited. ...
- Petal® 1 “No Annual Fee” Visa® Credit Card. Fair, No Credit. ...
- Upgrade OneCard.
Second chance credit cards are designed for people with bad credit, which means you should be able to get approved for one even if you've made mistakes with money in the past. ... show more. You can find both types below (some offers are from WalletHub partners).
If you want to get a Discover® credit card, you may be wondering how hard it is to get approved. Your credit score plays an important role here. The best Discover credit cards are aimed at consumers with FICO® Scores of 670 or above. If you have good or excellent credit, that helps quite a bit.
- OpenSky® Secured Visa® Credit Card.
- Discover it® Secured Credit Card.
- Capital One Quicksilver Secured Cash Rewards Credit Card.
- Capital One Quicksilver Cash Rewards Credit Card.
- Credit One Bank® Platinum Visa® for Rebuilding Credit.
Card Name | Best For | Annual Fee |
---|---|---|
OpenSky® Secured Visa® Credit Card | No Credit Check | $35 |
OpenSky® Plus Secured Visa® Credit Card | No Annual Fee | $0 |
Credit One Bank® Platinum Visa® for Rebuilding Credit | Unsecured | $75 intro 1st yr, $99 after |
The starting Chase credit card credit limit varies by card and it could be as low as $500 or as high as $35,000+, depending on the card and your overall credit standing. The issuer, though, only discloses the minimum credit limits for each of their cards.
What is the credit limit for Citibank?
WalletHub, Financial Company
The Citi Double Cash® Card credit limit is $500, at a minimum, but some cardholders report getting limits as high as $50,000. Citi doesn't disclose an official maximum, but a good credit score and enough income will likely get you a high limit.
Carmen Peters, Member. The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history, which are evaluated once you apply for the card. According to anecdotal reports, the card's credit limit can be as low as $750 and as high as $10,000.
- Chase Sapphire Preferred® Card. ...
- Chase Sapphire Reserve® ...
- Hilton Honors American Express Surpass® Card. ...
- Blue Cash Preferred® Card from American Express. ...
- United℠ Explorer Card. ...
- The Platinum Card® from American Express. ...
- American Express Cash Magnet® Card.
It indicates you've had past credit difficulties, which makes lenders see you as a potential risk. That's why the best credit cards for a 480 credit score are usually secured credit cards. They're easier to get and much less expensive than unsecured credit cards for bad credit.
Most Common Types of Credit Cards
Of the four main types of credit cards—Visa, Mastercard, American Express and Discover—Visa is by far the most common, making up 58.3% of cards in circulation.