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Credit Cards That Show Your Approval Odds

Updated: Dec 4, 2024

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

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Written by
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Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

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.

  • 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.

  • 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

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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.

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.

Our pick for

Flat-rate cash back

Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$200
Recommended Credit Score

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.

Product Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, 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).
  • View Rates & Fees

Pros
  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons
  • No intro APR period on purchases

Why We Like It

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.

Annual fee
$0
Rewards rate
1.5%-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.

  • 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • View Rates & Fees

Pros
  • No annual fee

  • High rewards rate

  • Intro APR period

  • No foreign transaction fees

Cons
  • Requires good/excellent credit

  • No bonus categories

Why We Like It

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.

Our pick for

Travel rewards

Chase Sapphire Preferred® Card card image
Apply Now
on Chase's website
on Chase's website
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
60,000
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.

  • 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

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

Why We Like It

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.

Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
75,000
Miles
Recommended Credit Score

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.

  • 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

Pros
  • High rewards rate

  • Flexible rewards redemption

Cons
  • Has annual fee

  • Requires good/excellent credit

Why We Like It

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.

Our pick for

Travel rewards with no annual fee

Bank of America® Travel Rewards credit card card image
Apply Now
on Bank of America's website
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.

  • 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.

Pros
  • No annual fee

  • New cardholder bonus offer

  • No foreign transaction fees

  • Flexible rewards redemption

  • Intro APR period

Cons
  • Requires good/excellent credit

  • No bonus categories

  • Best rewards limited to certain customers

Why We Like It

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.

Our pick for

Bonus category cash back

Chase Freedom Unlimited® card image
Apply Now
on Chase's website
on Chase's website
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
Up to $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.

  • 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

Pros
  • No annual fee

  • Intro APR period

  • High rewards rate

  • No minimum redemption amount

Cons
  • Requires good/excellent credit

Why We Like It

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.

Chase Freedom Flex® card image
Apply Now
on Chase's website
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.

  • 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

Pros
  • No annual fee

  • New cardholder bonus offer

  • Bonus categories

  • Cash rewards

  • Intro APR period

Cons
  • Requires good/excellent credit

  • Complicated rewards

Why We Like It

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.

Our pick for

Fair credit

Annual fee
$39
Rewards rate
1.5%-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.

  • 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

Pros
  • Qualify with average credit

  • High rewards rate

  • No foreign transaction fees

Cons
  • Has annual fee

  • High APR

Why We Like It

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.

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.

  • 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

Pros
  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

Cons
  • High APR

  • No rewards

Why We Like It

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

Our pick for

Balance transfers and intro 0% period

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.

  • 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

Pros
  • No annual fee

  • Intro APR period

  • Cell phone insurance

Cons
  • No rewards

  • Requires good/excellent credit

  • No bonus offer

Why We Like It

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.

BankAmericard® credit card card image
Apply Now
on Bank of America's website
on Bank of America's website
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score

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

  • 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.

Pros
  • No annual fee

  • Intro APR period

Cons
  • Requires good/excellent credit

  • No ongoing rewards

Why We Like It

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

Our pick for

Balance transfers

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.

  • 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

Pros
  • No annual fee

  • Intro APR period

Cons
  • Requires good/excellent credit

  • No rewards

Why We Like It

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 4, 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.

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