Credit Cards That Show Your Approval Odds
Updated: Dec 10, 2024Registered NerdWallet users who activate their free TransUnion credit score can see their estimated chances of approval for several popular cards.
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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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
NerdWallet's Credit Cards That Show Your Approval Odds
Citi Double Cash® Card: Best for Flat-rate cash back
Capital One Quicksilver Cash Rewards Credit Card: Best for Flat-rate cash back
Chase Sapphire Preferred® Card: Best for Travel rewards
Capital One Venture Rewards Credit Card: Best for Travel rewards
Bank of America® Travel Rewards credit card: Best for Travel rewards with no annual fee
Chase Freedom Unlimited®: Best for Bonus category cash back
Chase Freedom Flex®: Best for Bonus category cash back
Capital One QuicksilverOne Cash Rewards Credit Card: Best for Fair credit
Capital One Platinum Credit Card: Best for Fair credit
U.S. Bank Visa® Platinum Card: Best for Balance transfers and intro 0% period
BankAmericard® credit card: Best for Balance transfers and intro 0% period
Citi® Diamond Preferred® Card: Best for Balance transfers
Show SummaryHide Summary
Find the right credit card for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
Flat-rate cash back
A longtime favorite, the Citi Double Cash® Card pays 2% cash back on purchases — 1% when you buy something, and another 1% when you pay it off.
Our Take
No annual fee
High rewards rate
Intro balance transfer fee
No intro APR period on purchases
A longtime favorite, the Citi Double Cash® Card pays 2% cash back on purchases — 1% when you buy something, and another 1% when you pay it off.
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.
Product Details
- Earn a 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
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 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; 19.49% - 29.49% variable APR after that; balance transfer fee applies
- View Rates & Fees
Our Take
No annual fee
High rewards rate
Intro APR period
No foreign transaction fees
Requires good/excellent credit
No bonus categories
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.
Travel rewards
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.
Product Details
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- Member FDIC
Our Take
New cardholder bonus offer
Bonus categories
Primary rental car coverage
Flexible rewards redemption
Transfer partners
Has annual fee
Requires good/excellent credit
Complicated rewards
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.
The Capital One Venture Rewards Credit Card earns unlimited 2 miles per dollar spent, and miles can be redeemed for any travel expense. There’s a big sign-up offer, too.
Product Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- View Rates & Fees
Our Take
High rewards rate
Flexible rewards redemption
Has annual fee
Requires good/excellent credit
The Capital One Venture Rewards Credit Card earns unlimited 2 miles per dollar spent, and miles can be redeemed for any travel expense. There’s a big sign-up offer, too.
Travel rewards with no annual fee
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.
Product Details
- 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 as long as your account remains open.
- 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% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- 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 Take
No annual fee
New cardholder bonus offer
No foreign transaction fees
Flexible rewards redemption
Intro APR period
Requires good/excellent credit
No bonus categories
Best rewards limited to certain customers
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.
Bonus category cash back
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.
Product Details
- 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 Travel℠, 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 travel purchased through Chase Travel℠, 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 19.74% - 28.49%.
- 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, alerts, and more.
- Member FDIC
Our Take
No annual fee
Intro APR period
High rewards rate
No minimum redemption amount
Requires good/excellent credit
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.
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.
Product Details
- 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 Travel℠, 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 19.74%-28.49%.
- 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.
- Member FDIC
Our Take
No annual fee
New cardholder bonus offer
Bonus categories
Cash rewards
Intro APR period
Requires good/excellent credit
Complicated rewards
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.
Fair credit
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.
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- 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
- View Rates & Fees
Our Take
Qualify with average credit
High rewards rate
No foreign transaction fees
Has annual fee
High APR
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.
Simple and straightforward, the $0-annual-fee Capital One Platinum Credit Card is a popular choice for people looking to build their credit.
Product Details
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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
- View Rates & Fees
Our Take
Qualify with average credit
No annual fee
No foreign transaction fee
High APR
No rewards
Simple and straightforward, the $0-annual-fee Capital One Platinum Credit Card is a popular choice for people looking to build their credit.
Balance transfers and intro 0% period
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.
Product Details
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.99% - 28.99%.
- 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
- Terms and conditions apply.
- View Rates & Fees
Our Take
No annual fee
Intro APR period
Cell phone insurance
No rewards
Requires good/excellent credit
No bonus offer
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.
The BankAmericard® credit card boasts a nice, long 0% introductory APR period for purchases and balance transfers.
Product Details
- 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 15.49% - 25.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- 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 Take
No annual fee
Intro APR period
Requires good/excellent credit
No ongoing rewards
The BankAmericard® credit card boasts a nice, long 0% introductory APR period for purchases and balance transfers.
Balance transfers
The Citi® Diamond Preferred® Card offers one of the longest introductory 0% APR periods for balance transfers you’ll find anywhere.
Product Details
- 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 17.49% - 28.24%, 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
- View Rates & Fees
Our Take
No annual fee
Intro APR period
Requires good/excellent credit
No rewards
The Citi® Diamond Preferred® Card offers one of the longest introductory 0% APR periods for balance transfers you’ll find anywhere.
Last updated on December 10, 2024
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.
