How to Apply for a Credit Card — and Get Approved

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You’ve heard why it’s important to have a credit card. But how do you apply for a credit card — and actually get approved?

Figuring anything out for the first time can be hard, but you have to start somewhere. The basic steps to apply for a credit card are pretty straightforward:

  1. Check your credit score and identify credit cards for which you can qualify.
  2. Compare credit card costs and features and pick one that best fits your needs.
  3. Complete and submit a credit card application.
  4. Get approved for the card (hopefully) and receive your credit card by mail.
  5. Activate your new credit card and spend wisely!

Getting ready to apply for a credit card

It’s important to know not only how to apply for a credit card — but how to get approved. When you learn how the credit card application process works, you can avoid common credit card application mistakes. You can also be more selective about the credit cards you apply for and improve your chances of qualifying.

Here’s what you should do to prepare before applying for a credit card.

1. Know what’s important for credit card applications

How do companies decide to approve or deny credit card applications? Credit card issuers a process called underwriting. They verify your information and decide if you meet the criteria to get a credit card.

Some credit card types or credit card companies will have more strict approval requirements. When you know what credit card companies look for, you can quickly see how you measure up. Here’s what they typically look at:

  • Credit score: You probably know that your credit score and credit reports will be important for credit card applications. Issuers usually like to see at least an average credit score (around 600) or higher.
  • Credit reports: Companies will also look at your credit reports to see how you’ve handled other debts. They look for a long history of on-time payments and responsible borrowing. So missed payments, high levels of borrowing, or a thin credit file could scare them off.
  • Income: Most credit card applications will also consider your income. They want to ensure that you can afford to pay off any credit card balance your borrow. A higher income will always work in your favor. You can still get approved for a credit card with a modest income, just expect to have lower credit limits on your cards.

2. Figure out your credit score

The first thing you’ll want to figure out it how credit card issuers view you. Maybe you’ve got a decent credit score thanks to a parent’s help in building your credit. Or you could be like me — before I got my first credit card, my credit score was in the 400s.

Either way, you’ll want to get a copy of your credit report and check your credit score. Then, figure out how bad or good your credit score is:

  • 579 and below is poor or bad credit
  • 580 to 669 is fair or average credit
  • 670 to 739 is good credit
  • 740 to 799 is excellent credit
  • 800 and over is exceptional credit

The higher your credit score, the better chance you’ll have to get approved for a credit card. So, if your credit score is poor, you might want to try to improve it before applying for the card you want.

3. Review your credit report

In addition to your credit score, credit card companies will also look at your credit history and details on your credit reports. Get free copies of your credit report and review them to see what’s on there. You’ll want to know about potential negative marks or errors.

Here are some factors credit card companies will look at on your credit report to evaluate your credit card application:

  • Payment history: The biggest deal is your history of making on-time payments. You’ll look best with a credit report free of late or missed payments and delinquencies.
  • Credit utilization: Try to keep low credit card balances compared to your credit card limits. Shoot for balances equal to 30 percent or less of your credit limit.
  • Recent inquiries: These show when lenders have checked your credit as part of processing an application. The fewer inquiries, the better.
  • Credit history length: It will help if you have one or more older accounts of at least 2-3 years or older. Lenders don’t like a short or thin credit history.
  • Account types: Lenders want to see that you have responsibly used several types of credit. A mix of credit cards, lines of credit, and installment loans is ideal.

The credit card company will use this information from your credit report to get a better idea of whether or not you’d be a safe or risky bet for credit.

You can survive one or two negative marks on a credit report if you have other positives working in your favor. But more than that could spell trouble for any credit card applications. It might be worth it to spend some time repairing your credit before applying for a credit card.

4. Find credit cards you’ll qualify for

Now that you know how you’ll look to credit card companies, you can start searching for the best credit card for you. You’ll need to spend some time researching credit cards to find a few for which you qualify.

We’ve highlighted some of our favorite credit cards in our marketplace. You can also perform an internet search for credit cards that match your credit score. Local banks and credit unions will often have unique credit card offers with helpful features.

  • Good or excellent credit: The world is pretty much your oyster. If you have a high income to match, you can apply for most credit cards and get approved.
  • Average or fair credit: You might want to be choosier about the credit cards you apply for. Check credit card reviews to ensure you meet the typical credit score requirements.
  • Poor or bad credit: Your best bet will probably be a secured credit card. For these cards, you make a cash deposit as collateral on your credit card balance. But you’ll also need a chunk of change to secure the card.

You can narrow your options down further by applying to pre-qualify for a credit card. Most issuers have a form on their site that you can complete to see cards that are a good fit.

5. Compare credit cards to find the best fit

Once you have a pool of a few credit cards for which you could qualify, it’s time to choose the one that best suits your needs. You can compare different credit card features and decide which ones are most important to you.

The first thing to look at is credit card costs. Try to choose a low APR, especially if you think you’ll carry a balance and won’t always avoid credit card interest. Your interest rate or APR will depend on the type of card, as well as your credit score. An average credit card interest rate is currently around 16.53% APR.

Check the annual credit card fee, as well. These can range from $0 to over $100 a year. And check credit card fees on services you plan to use like balance transfers, cash advances, or foreign transactions.

If you have a few low-cost credit cards to choose from, look at the perks you’d get from credit cards. This could include sign-up bonuses like free miles or an account credit for using the card right away. Or it might be the chance to earn cash-back rewards on your everyday purchases year-round.

How to apply for a credit card, start to finish

When you’ve found the option that’s the right balance of low costs and helpful perks — it’s time to apply for a credit card. The process to apply for a credit card is not overly complicated. Most credit card applications take 10 minutes or less to complete.

How to get a credit card application

You have the option to apply for a credit card online or in-person if the issuer has a branch or location near you.

If you choose to apply for a credit card online, you can simply visit the site for the credit card issuer. There will be several links and buttons that will take you to an application — look for phrases like “Apply Now.” You’ll be taken to an online form with fields for you to complete and submit.

First, make sure your connection is secure — the address should start with https (not http). There should also be a lock or similar security symbol displayed in the site address bar.

Alternately, you can call the credit card issuer or visit a branch to request paper credit card applications. They should include instructions on how to submit the application and return it to the card issuer.

What information do you need to apply for a credit card?

Each credit card company has its own underwriting process and requirements for getting a credit card. So the information you’ll need for an application will vary.

But there are some common pieces of information you’ll always need to supply. You should be ready to give the following details:

  • Your full name and date of birth
  • Identifying information like your Social Security number and mother’s maiden name
  • Contact details including your current address, email, and phone number
  • Employment status, occupation, gross income, and current employer’s name
  • Type of bank accounts you have
  • Whether your rent or own and the dollar amount of this expense

If you apply for a credit card online, the form usually includes text that further explains different fields. Should you get stuck on a section or aren’t sure what it’s asking for, contact the credit card company.

Represent yourself and your personal information accurately. Lying on credit card applications is credit card fraud — and is illegal.

The application will also include a disclosure of credit card fees, rates, and conditions. Carefully review this disclosure. Make sure you understand the terms and features of the credit card, as well as your responsibilities as a cardholder.

You also might need to agree to let the issuer check your credit or contact you through the information provided.

What income can you list on a credit card application?

When filling out a credit card application, it can be tricky to estimate your gross income and know what to include. Most credit card applications will have a brief explanation of the kinds of income you can report on the application. For example, you don’t typically need to include alimony or child support.

Figure out how much income you earn from the following:

  • Your gross income
  • Your spouse’s gross income
  • Spousal support
  • Government benefits like social security or disability income
  • Investment earnings or retirement distributions
  • Financial gifts or allowances

Add up the amounts from the incomes listed above. You’ll also need to convert your pay to the period indicated, like monthly or annually. This will give you the gross income you can report on your credit card application. The issuer will use this to decide if you can afford a credit card and how high they can set the credit card limit.

Unlike a loan application, a credit card usually won’t require proof of income. But some credit card issuers will check your state income against an estimate of your pay with income modeling. This uses information on your credit report to predict your income.

How long does it take to get approved for a credit card?

After you’ve completed your credit card application, it’s time to submit. The company will receive and review the information and decide whether to approve or deny your application.

If you apply for a credit card online, you might get an instant response. It will automatically compare your application to its requirements and determine if you qualify. You’ll get a message right away indicating if you’ve been approved, rejected, or if your credit card application will be further reviewed.

Other credit card issuers will have humans, rather than computers, review your credit card applications. In this case, it usually takes a few days to review and process the application. Once they do this and decide, you’ll get an email notification. You can also contact the issuer to check up on the progress of your credit card application.

What to do if you’re rejected for a credit card

If you’re rejected for a credit card, it can be frustrating. But don’t give up hope — you can still get a credit card somewhere else.

You’ll need to reapply, but don’t panic and send out a slew of applications. This will put hard inquiries or credit checks on your credit report, which could actually lower your chances of approval. Try to space out your credit card applications at least by a month or more.

Figure out these reason for the rejection. You’ll get a statement from the credit card company that will specifically state why you were turned down for a credit card. Then you can figure out how to address this issue and improve your chances of approval on your next credit card application.

If your credit score or reports are the problem, you have two options. You can try re-apply with a credit card for a lower-tier credit score, like a secured credit card, college credit card, or retail card.

Or you can spend some time working to improve your credit. It can help to pay down debts, especially current credit card balances. Often, simply letting some time pass while making on-time payments can boost your credit score. You can keep an eye on your credit and re-apply after you’ve made some progress.

Receive and activate your credit card

Upon approval of your credit card application, the issuer will create a new credit card tied to your account and mail it to you. You’ll usually get a credit card by mail within 10 days of approval.

But you can’t use your new credit card right out of the envelope. To protect you and prevent your new credit card from theft or fraud, credit card issuers don’t send active cards. You’ll need to activate the credit card to “turn it on” so you can make purchases with it.

Included with the credit card will be instructions on how to activate your credit card. There’s typically a sticker on the card with a website to visit or a phone number to call to activate the card. Visit the site or call, and you’ll be taken through the necessary steps to verify your identity and activate the card.

Congratulations! You now have a shiny new piece of plastic that you can use to start spending. Enjoy it — just not enough to regret filling out any credit card applications to begin with.

Interested in a personal loan?

Here are the top personal loan lenders of 2020!
LenderAPR RangeLoan Amount 
1 Includes AutoPay discount. Important Disclosures for SoFi.

SoFi Disclosures

  1. Fixed rates from 5.99% APR to 18.82% APR (with AutoPay). SoFi rate ranges are current as of March 19, 2020 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your creditworthiness, years of professional experience, income and other factors. See APR examples and terms. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
  2. To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.
    See Consumer Licenses.
  3. Minimum Credit Score: Not all applicants who meet SoFi’s minimum credit score requirements are approved for a personal loan. In addition to meeting SoFi’s minimum eligibility criteria, applicants must also meet other credit and underwriting requirements to qualify.
  4. If you lose your job through no fault of your own, you may apply for Unemployment Protection. SoFi will suspend your monthly SoFi loan payments and provide job placement assistance during your forbearance period. Interest will continue to accrue and will be added to your principal balance at the end of each forbearance period, to the extent permitted by applicable law. Benefits are offered in three month increments, and capped at 12 months, in aggregate, over the life of the loan. To be eligible for this assistance you must provide proof that you have applied for and are eligible for unemployment compensation, and you must actively work with our Career Advisory Group to look for new employment. If the loan is co-signed the unemployment protection applies where both the borrower and cosigner lose their job and meet conditions.
  5. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (

2 Includes AutoPay discount. Important Disclosures for Opploans.

Opploans Disclosures

Direct Deposit required for payroll.

Opploans currently operates in these states: . *Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.

  1. To qualify, a borrower must (i) be a U.S. citizen or permanent resident; (ii) reside in a state where OppLoans operates; (iii) have direct deposit; (iv) meet income requirements; (v) be 18 years of age (19 in Alabama); and, (vi) meet verification standards.
  2. NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

  3. OppLoans performs no credit checks through the three major credit bureaus Experian, Equifax, or TransUnion. Applicants’ credit scores are provided by Clarity Services, Inc., a credit reporting agency.

  4. Based on customer service ratings on Google and Facebook. Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with OppLoans. Check loan reviews.


    Rates and terms vary by state.

3 Includes AutoPay discount. Important Disclosures for Payoff.

Payoff Disclosures

  1. All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV.

4 Important Disclosures for FreedomPlus.

FreedomPlus Disclosures

  1. All loans available through are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states – please call a FreedomPlus representative for further details. The following limitations, in addition to others, shall apply: FreedomPlus does not arrange loans in: (i) Arizona under $10,500; (ii) Massachusetts under $6,500, (iii) Ohio under $5,500, and (iv) Georgia under $3,500. Repayment periods range from 24 to 60 months. The range of APRs on loans made available through FreedomPlus is 5.99% to a maximum of 29.99%. APR. The APR calculation includes all applicable fees, including the loan origination fee. For Example, a four year $20,000 loan with an interest rate of 15.49% and corresponding APR of 18.34% would have an estimated monthly payment of $561.60 and a total cost payable of $7,948.13. To qualify for a 5.99% APR loan, a borrower will need excellent credit on a loan for an amount less than $12,000.00, and with a term equal to 24 months. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to directly pay off qualifying existing debt; or showing proof of sufficient retirement savings, could help you also qualify for the lowest rate available.

5 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Personal Loan Rate Disclosure: Fixed interest rates from 6.79% – 20.89% (6.79% – 20.89% APR) based on applicable terms. Lowest rates range from 5.99%- 18.99% (5.99%-18.99% APR), are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment Discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.
  2. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with us at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  3. Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their Citizens Bank Personal Loan during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account two or more times within any 12-month period, the borrower will no longer be eligible for this discount.

6 Important Disclosures for LendingPoint.

LendingPoint Disclosures

  • Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees from 0% to 6% may apply depending upon your state of residence. Upon LendingPoint’s final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. LendingPoint makes loan offers from $2,000 to $25,000, at rates ranging from a low of 9.99% APR to a high of 35.99% APR, with terms from 24 to 48 months. The loan offer(s) shown reflect a 28 day payment cycle which is being offered as a courtesy as many of our customers are paid on a biweekly schedule and thus this may better align the loan payment dates with your actual income receipt schedule.

7 Important Disclosures for LendingClub.

LendingClub Disclosures

All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.

†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at

**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.

8 Important Disclosures for Earnest.

Earnest Disclosures

  1. Earnest does not lend in Alabama, Delaware, Kentucky, Nevada, or Rhode Island.

9 Important Disclosures for Avant.

Avant Disclosures

*If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.

**Example: A $5,900 loan with an administration fee of 4.75% and an amount financed of $5,619.75, repayable in 36 monthly installments, with an APR of 29.95% would have monthly payments of $250.30.

Based on the responses from 11,574 customers in a survey of 210,584 newly funded customers, conducted from 1 Feb 2018 – 1 Aug 2019 95.05% of customers stated that they were either extremely satisfied or satisfied with Avant. 4/5 Customers would recommend us. Avant branded credit products are issued by WebBank, member FDIC.

* Important Disclosures for Upgrade Bank.

Upgrade Bank Disclosures

* Personal loans made through Upgrade feature APRs of 6.98%-35.89%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by WebBank, Member FDIC.

** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.

5.99% – 18.82%1$5,000 - $100,000

Visit SoFi

6.53% – 35.99%$1,000 - $50,000

Visit Upstart

6.98% – 35.89%*$1,000 - $50,000

Visit Upgrade

99.00% – 199.00%2$500 - $4,000

Visit OppLoans

5.99% – 24.99%3$5,000 - $35,000

Visit Payoff

5.99% – 29.99%4$7,500 - $40,000

Visit FreedomPlus

6.79% – 20.89%5$5,000 - $50,000

Visit Citizens

9.99% – 35.99%6$2,000 - $25,000

Visit LendingPoint

6.95% – 35.89%7$1,000 - $40,000

Visit LendingClub

5.99% – 17.24%8$5,000 - $75,000

Visit Earnest

9.95% – 35.99%9$2,000 - $35,000

Visit Avant

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.