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Mar 8, 2024 · WalletHub Senior Researcher. To apply for a credit card and get approved, you should first get pre-qualified and compare your offers, then pick the best card for your needs. After that, you can submit an application online, by phone, in person or by mail, and you will need to wait anywhere from a few minutes to a few weeks for a decision.
- Review the card’s terms and conditions carefully, then click on the application link from the issuer’s credit card page.
- Fill in some basic personal information like your name, address, date of birth and Social Security number.
- Fill in the required financial information such as your income, sources of income, employment status, housing status and monthly housing payment. Some issuers may require more types of financial information than others.
- Indicate whether you want to make a balance transfer to the card, along with how much you want to transfer and where you want to transfer it from, if applicable.
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When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. As seen on: Find the best travel, low interest rate, rewards, cash back credit cards and more. Apply through CreditCards.com for a secure online credit card application.
- Applying for a credit card online. Know your credit score. Decide among low interest, 0% or rewards. Choose between cash-back and travel rewards. Choose between a general or co-branded travel card.
- Know your credit score. Credit card issuers approve applications based on credit scores, among other factors. Don’t know your score? We can get it for you: Just create an account, answer a few questions, and see your credit score.
- Decide among low interest, 0% or rewards. In general, you can choose a credit card with a low ongoing interest rate, or you can choose one that gives you rewards.
- Choose between cash-back and travel rewards. This decision may also be an easy one. If you travel a lot, want rewards you can redeem for travel or would like airline or hotel perks, you're a good fit for a travel rewards card.
There are a number of credit scoring systems, but the most widely accepted comes from FICO, which uses a credit range from 300 to 850. Here’s how it’s broken down: Credit cards for excellent credit require a FICO credit score of 740 to 850. Credit cards for good credit require a FICO credit score of 670 to 739.
BankAmericard®credit card. 0% Intro APR† for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24% - 26.24% will apply. 3%† Intro balance transfer fee for the first 60 days your account is open. After the intro ...
Submit your application. You can submit your application online, in person or over the phone. Online applications typically take the shortest amount of time to receive a response, sometimes it's within seconds. When you apply online, be sure you have a stable and secure internet or Wi-Fi connection.
