BEST OF

Credit Cards That Show Your Approval Odds

Registered NerdWallet users who activate their free TransUnion credit score can see their estimated chances of approval for several popular cards.

May 9, 2022

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Credit scores alone do not guarantee approval for any credit card, but they are a key factor in eligibility. Users who register with NerdWallet and activate their TransUnion credit score can see their estimated odds of approval for a number of popular credit cards. Approval odds are based on your credit profile and the approval experience of other users who have applied for these cards. Issuers consider multiple factors when evaluating applications.

To see your approval odds for the cards below, be sure you're signed in to NerdWallet. Not registered? Sign up. If you're signed in and don't see approval odds for a specific card, that indicates there isn't sufficient data to produce a reliable result in that instance.

NerdWallet's Credit Cards That Show Your Approval Odds

Credit Cards That Show Your Approval Odds From Our Partners

Our picks for

Flat-rate cash back

Apply now

on Citibank's application

Citi® Double Cash Card – 18 month BT offer

4.6

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

N/A

Recommended Credit Score

A longtime favorite, the Citi® Double Cash Card – 18 month BT offer pays 2% cash back on purchases — 1% when you buy something, and another 1% when you pay it off.

Pros

  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No bonus offer

  • No bonus categories

Read full review
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

  • To earn cash back, pay at least the minimum due on time.

  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% – 24.74%, based on your creditworthiness.

  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Apply now

on Capital One's website

Capital One Quicksilver Cash Rewards Credit Card

4.6

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Rewards rate

1.5%

Cashback

Intro offer

$200

Recommended Credit Score

A pioneer in the flat-rate cash back game, the Capital One Quicksilver Cash Rewards Credit Card pays a simple 1.5% cash back on all purchases and comes with a healthy bonus offer.

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • No foreign transaction fees

Cons

  • Requires good/excellent credit

  • No bonus categories

Read full review
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

  • Earn unlimited 1.5% cash back on every purchase, every day

  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

  • 0% intro APR on purchases and balance transfers for 15 months; 15.24%-25.24% variable APR after that

  • $0 annual fee and no foreign transaction fees

Our pick for

Travel rewards

Apply now

on Chase's website

Chase Sapphire Preferred® Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-5x

Points

Intro offer

80,000

Points

Recommended Credit Score

The Chase Sapphire Preferred® Card earns bonus rewards on travel, dining and more. Flexible points and a big sign-up offer add to the appeal.

Pros

  • New cardholder bonus offer

  • Bonus categories

  • Primary rental car coverage

  • Flexible rewards redemption

  • Transfer partners

Cons

  • Has annual fee

  • Requires good/excellent credit

  • Complicated rewards

Read full review
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.

  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.

  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.

  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our pick for

Travel rewards with no annual fee

Apply now

on Bank of America's website

Bank of America® Travel Rewards credit card

3.8

NerdWallet rating 
Apply now

on Bank of America's website

Annual fee

$0

Rewards rate

1.5x

Points

Intro offer

25,000

Points

Recommended Credit Score

With the $0-annual-fee Bank of America® Travel Rewards credit card, you earn 1.5 points per dollar spent on purchases, and points can be redeemed for a broad variety of travel expenses at a rate of 1 cent per point.

Pros

  • No annual fee

  • New cardholder bonus offer

  • Intro APR period

  • No foreign transaction fees

  • Flexible rewards redemption

Cons

  • Requires good/excellent credit

  • No bonus categories

  • Best rewards limited to certain customers

Read full review
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.

  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.

  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.

  • 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.24% - 24.24% Variable APR will apply.

  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.

  • Contactless Cards - The security of a chip card, with the convenience of a tap.

  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our picks for

Bonus category cash back

Apply now

on Chase's website

Chase Freedom Unlimited®

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%-6.5%

Cashback

Intro offer

$300

Recommended Credit Score

The Chase Freedom Unlimited® earns bonus rewards on travel booked through Chase and at restaurants and drugstores. Other purchases earn a solid 1.5% cash back.

Pros

  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons

  • Requires good/excellent credit

Read full review
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

  • Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).

  • After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card

  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified
Apply now

on Chase's website

Chase Freedom Flex℠

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

$200

Recommended Credit Score

The Chase Freedom Flex℠ offers 3% to 5% cash back in bonus categories — some that change quarterly, some that stay the same — and 1% on other purchases.

Pros

  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons

  • Requires good/excellent credit

  • Complicated rewards

Read full review
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!

  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more

  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.

  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.

  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card

  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

  • See if you qualify for a better offer with Chase:

    Get Pre-Qualified

Our picks for

Fair credit

Apply now

on Capital One's website

Capital One QuicksilverOne Cash Rewards Credit Card

4.7

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$39

Rewards rate

1.5%

Cashback

Intro offer

N/A

Recommended Credit Score

Designed for people with fair or average credit, the Capital One QuicksilverOne Cash Rewards Credit Card offers the same rewards rate as the regular Quicksilver card for good credit.

Pros

  • Qualify with average credit

  • High rewards rate

  • No foreign transaction fees

Cons

  • Has annual fee

  • High APR

Read full review
  • Earn unlimited 1.5% cash back on every purchase, every day

  • Earn cash rewards without signing up for rotating categories

  • Be automatically considered for a higher credit line in as little as 6 months

  • Monitor your credit profile with the CreditWise® app, free for everyone

  • $0 fraud liability if your card is ever lost or stolen

  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account

  • Help strengthen your credit for the future with responsible card use

  • Get customized alerts and manage your account with the Capital One mobile app

Apply now

on Capital One's website

Capital One Platinum Credit Card

3.5

NerdWallet rating 
Apply now

on Capital One's website

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

Simple and straightforward, the $0-annual-fee Capital One Platinum Credit Card is a popular choice for people looking to build their credit.

Pros

  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

Cons

  • High APR

  • No rewards

Read full review
  • Pay no annual fee

  • Be automatically considered for a higher credit line in as little as 6 months

  • Fraud coverage if your card is lost or stolen

  • Use online banking to access your account, even from your smartphone, with our mobile app

  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

  • Get access to your account 24 hours a day, 7 days a week

  • Help build your credit through responsible use of a card like this

Our picks for

Balance transfers and intro 0% period

Apply now

on US Bank's website

U.S. Bank Visa® Platinum Card

5.0

NerdWallet rating 
Apply now

on US Bank's website

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

The U.S. Bank Visa® Platinum Card provides a long 0% introductory APR period for both purchases and balance transfers. No rewards, but you get cell phone coverage if you use your card to pay your wireless bill, which can save you money every month.

Pros

  • No annual fee

  • Intro APR period

  • Cell phone insurance

Cons

  • No rewards

  • Requires good/excellent credit

  • No bonus offer

Read full review
  • Limited Time Offer!

  • 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.24% - 25.24%.

  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

  • Choose a payment due date that fits your schedule

  • No Annual Fee

  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.

  • Terms and conditions apply.

  • View Rates & Fees
Apply now

on Bank of America's website, or call 800-322-7707

BankAmericard® credit card

4.7

NerdWallet rating 
Apply now

on Bank of America's website, or call 800-322-7707

Annual fee

$0

Rewards rate

No rewards

Intro offer

$100

Recommended Credit Score

The BankAmericard® credit card boasts a nice, long 0% introductory APR period for purchases and balance transfers.

Pros

  • No annual fee

  • Intro APR period

  • New cardholder bonus offer

Cons

  • Requires good/excellent credit

  • No ongoing rewards

Read full review
  • $100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.

  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.24% - 23.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.

  • No annual fee.

  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.

  • Access your FICO® Score for free within Online Banking or your Mobile Banking app.

  • Contactless Cards - The security of a chip card, with the convenience of a tap.

  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Our pick for

Balance transfers

Apply now

on Citibank's application

Citi® Diamond Preferred® Card

4.4

NerdWallet rating 
Apply now

on Citibank's application

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

The Citi® Diamond Preferred® Card offers one of the longest introductory 0% APR periods for balance transfers you’ll find anywhere.

Pros

  • No annual fee

  • Intro APR period

  • Intro balance transfer fee

Cons

  • Requires good/excellent credit

  • No rewards

Read full review
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 14.49% - 24.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

  • Get free access to your FICO® Score online.

  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

  • The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Last updated on May 9, 2022

Methodology

NerdWallet rates credit cards on a scale of 1 to 5 stars based on proprietary formulas that take into account the value of a card’s benefits, the costs of carrying and using the card, the complexity of the card’s benefits structure and other factors that affect its usefulness to the consumer. Learn how NerdWallet rates credit cards.