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.

Nov 15, 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 pick for

Flat-rate cash back

Apply now

on Citibank's application

Citi® Double Cash Card

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 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 categories

  • No bonus offer

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 17.74% - 27.74%, 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).

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%-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
  • 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

  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

  • 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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

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

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.

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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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, 60,000 points are worth $750 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.

  • 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, 2024.

Apply now

on Capital One's website

Capital One Venture Rewards Credit Card

4.7

NerdWallet rating 
Apply now

on Capital One's website

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.

Pros

  • High rewards rate

  • Flexible rewards redemption

Cons

  • High annual fee

  • Rewards have limited flexibility

  • Requires good/excellent credit

Read full review
  • 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

  • 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 $100 credit for Global Entry or TSA PreCheck®

  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network

  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options

  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel

  • Transfer your miles to your choice of 15+ travel loyalty programs

Our pick 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 17.99% - 26.74%.

  • 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.

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 17.99% - 26.74%.

  • 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.

Our pick 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%-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

  • 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

  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

  • 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

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
  • 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

Our pick for

Balance transfers and intro 0% period

Apply now

on US Bank's website

U.S. Bank Visa® Platinum Card

4.5

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
  • 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.24% - 28.24%.

  • 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

  • Terms and conditions apply.

  • View Rates & Fees

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

$150

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 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • For a limited time earn a $150 Statement Credit after you spend $500 on purchases in the first 3 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.

Last updated on November 15, 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.