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.
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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.
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.
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.
Credit Cards That Show Your Approval Odds From Our Partners
Our pick for
Flat-rate cash back
on Citibank's application
on Citibank's application
$0
1%-2%
Cashback
N/A
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 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
No bonus categories
No bonus offer
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 18.99% - 28.99%, 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
on Capital One's website
on Capital One's website
$0
1.5%-5%
Cashback
$200
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.
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
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; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Our pick for
Travel rewards
on Chase's website
on Chase's website
$95
1x-5x
Points
60,000
Points
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 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
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 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, 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.
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.
Member FDIC
on Capital One's website
on Capital One's website
$95
2x-5x
Miles
75,000
Miles
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.
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
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 the 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
Travel rewards with no annual fee
on Bank of America's website, or call (800) 211-3740
on Bank of America's website, or call (800) 211-3740
$0
1.5x
Points
25,000
Points
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.
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
No foreign transaction fees
Flexible rewards redemption
Intro APR period
Cons
Requires good/excellent credit
No bonus categories
Best rewards limited to certain customers
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 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. A 3% fee applies to all balance transfers.
If you're a 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 pick for
Bonus category cash back
on Chase's website
on Chase's website
$0
1.5%-6.5%
Cashback
$300
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 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
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 19.99% - 28.74%.
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.
on Chase's website
on Chase's website
$0
1%-5%
Cashback
$200
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.
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
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 19.99% - 28.74%.
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
on Capital One's website
on Capital One's website
$39
1.5%-5%
Cashback
N/A
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.
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
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
on Capital One's website
on Capital One's website
$0
N/A
N/A
Simple and straightforward, the $0-annual-fee Capital One Platinum Credit Card is a popular choice for people looking to build their credit.
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
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
on US Bank's website
on US Bank's website
$0
N/A
N/A
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 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
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 19.49% - 29.49%.
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
on Bank of America's website, or call (800) 322-7707
on Bank of America's website, or call (800) 322-7707
$0
No rewards
N/A
The BankAmericard® credit card boasts a nice, long 0% introductory APR period for purchases and balance transfers.
The BankAmericard® credit card boasts a nice, long 0% introductory APR period for purchases and balance transfers.
Pros
No annual fee
Intro APR period
Cons
Requires good/excellent credit
No ongoing rewards
0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% - 25.99% Variable APR will apply. A 3% fee 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
on Citibank's application
on Citibank's application
$0
N/A
N/A
The Citi® Diamond Preferred® Card offers one of the longest introductory 0% APR periods for balance transfers you’ll find anywhere.
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
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 17.99% - 28.74%, 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.
- View Rates & Fees
Last updated on June 6, 2023
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.
