The Ultimate Guide to Credit Cards
Wednesday, October 5, 2022

How to Sign Up For a Credit Card — 2022’s Complete Guide

Sign Up For A Credit Card

credit card advice

Brittney Mayer

Written by: Brittney Mayer

Brittney Mayer

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

If you’re looking for information about how to sign up for a credit card, you’ve come to the right place. Below is our complete guide to signing up for credit cards, including an array of options for various reward types and credit ranges.

When Bank of America launched the first mainstream consumer credit card, the BankAmericard in 1958, they did so in a mass “drop,” mailing out 60,000 active credit cards to the unsuspecting residents of Fresno, California. Although the idea was not without its problems — sending live credit cards through the mail, unsolicited, what could go wrong? — it did serve as a proof of concept that the universal credit card had a place in America’s wallets.

Since the Great Fresno Drop of ’58, the Truth in Lending Act (1968) made it illegal to send unsolicited credit cards through the mail. While you’ll still likely receive pre-screened offers in your mailbox from time to time, you’ll need to fill out a formal application to receive a credit card these days. Luckily, modern technology has made the process easier — and faster — than ever.

How to Sign Up: By Rewards Type | By Issuer | By Credit Range

Signing Up for a Credit Card by Rewards Type

When you get right down to it, signing up for a rewards credit card is simple — it’s choosing one from among the dozens of options that can be difficult. The first thing you’ll need to determine is the type of rewards you’re most likely to use; rewards of any type do you little good if you never redeem them. When you know what type of rewards you want to earn, you can start comparing options to find the right card.

You’ll want to choose a card that offers the highest earnings rate on the purchases you make more frequently. For instance, if your family tends to spend a lot at the grocery store, look for a card that offers bonus rewards in that category. If your spending is more varied, an unlimited flat-rate rewards card may prove the most valuable.

Once you’ve found your perfect rewards card, signing up is as easy as heading online to the issuer’s website and filling out an application. If you’ve received an offer in the mail, you can input your offer code online or respond by mail. In most cases, you’ll receive a response to your online application in just a few minutes.

Cash Back | Travel Rewards | Points | Signup Bonuses

How to Sign Up for a Cash Back Credit Card

Signing up for a cash back credit card starts with picking the card that will maximize your cash back rewards. This means figuring out where you spend the most and choosing a card that will provide cash back on those purchases. Many cash back cards offer bonus rewards for purchases in common everyday categories, including restaurant and gas station purchases.

CASH BACK RATING
★★★★★
5.0
OVERALL RATING
  • 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 17.24% - 25.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent
CASH BACK RATING
★★★★★
4.9
OVERALL RATING
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, 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).
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
16.99% - 26.99% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

CASH BACK RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (Variable)
$0
Excellent, Good

+See More Cash Back Cards

How to Sign Up for a Travel Rewards Credit Card

Travel rewards credit cards are perfect for the frequent traveler — or anyone else who wants to earn free airfare and hotel stays as they shop. As with other rewards cards, those offering travel rewards provide only unlimited flat-rate rewards for all purchases or additional bonus rewards for purchases in predetermined categories.

You can sign up for a travel rewards card using the same process as other rewards cards, which involves completing the online application (or responding to a mailed offer). The only difference will be if you select a card co-branded with a specific hotel or airline, in which case you may need to provide your existing loyalty program number during application.

AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good
Discover it® Miles Review

at Discover Card'ssecure website

AIR MILES RATING
★★★★★
4.9
OVERALL RATING
  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR will apply.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.7/5.0
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 26.99% (Variable)
$395
Excellent

+See More Travel Rewards Cards

How to Sign Up for a Points Credit Card

Generally considered to be the most flexible type of rewards, points tend to provide the largest variety of redemption options, often including cash back, travel, and merchandise. To maximize your points potential, be sure to apply for the card that offers you the best earnings rate for the purchases you make most frequently. With the perfect points card in your sights, you can head online and sign up in minutes.

POINTS & GIFTS RATING
★★★★★
4.9
OVERALL RATING
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.24% - 26.24% Variable
$550
Good/Excellent
POINTS & GIFTS RATING
★★★★★
4.8
OVERALL RATING
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 25.24% Variable
$95
Good/Excellent
POINTS & GIFTS RATING
★★★★★
4.8
OVERALL RATING
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 23.24% Variable
$95
Good/Excellent

+See More Points Cards

How to Sign Up for Credit Card Signup Bonuses

The pinnacle of credit card rewards for many cardholders, credit card signup bonuses provide a one-time bonus lump sum of cash back, points, or miles. Most signup bonuses require you to meet a minimum spending requirement within a set period of time, typically within the first 90 days of opening your account.

In general, you won’t need to complete a separate application form to become eligible for a signup bonus, as you will automatically become eligible when you are approved for the credit card. Similarly, you should automatically receive your signup bonus within two to six weeks after completing the signup bonus requirements.

Chase Freedom Flex℠ Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
  • 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 17.24% - 25.99%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good
BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.24% - 25.24% Variable
$95
Good/Excellent

+See More Signup Bonus Cards

Signing Up for a Credit Card by Issuer

Whether you are looking for a card from your favorite bank, want a credit card issuer with high scores for customer satisfaction, or simply love that great television commercial, sometimes the perfect credit card is as much about the name it sports as the features it offers.

Thankfully, no matter which issuer you choose, signing up for a credit card will follow the same simple steps, particularly if you apply online. While some of the specific questions you’re asked may vary, the only thing that really changes in the signup process for different issuers is the website where you apply.

Discover | Chase | Citi | Amex | Wells Fargo

How to Sign Up for a Discover Credit Card

Similar to Amex, Discover is a credit card processing network that also issues its own credit cards, which seems to provide a better experience for consumers, as Amex and Discover are the top-rated card companies for customer satisfaction. Discover offers two main credit cards, the Discover it® card, which exists in several offer variations, and the Discover it® chrome, also called the Gas & Restaurant Card.

Signing up for a Discover card is as easy as clicking “Apply Now” and filling out the online application. In addition to the typical personal and financial information, you’ll also get to select your initial card design during application. To respond to a mailed offer, you can input your Invitation Number on the response page.

Discover it® Cash Back Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good
Discover it® Balance Transfer Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
14.99% - 25.99% Variable APR
$0
Excellent/Good
Discover it® Miles Review

at Discover Card'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
  • UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
  • Redeem Miles to pay any part of your monthly bill, including your minimum payment.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR will apply.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good

+See More Discover Cards

How to Sign Up for a Chase Credit Card

Between its wide variety of consumer and business credit card options and its popular Ultimate Rewards points program, Chase is a top choice for many prospective cardholders. You can get to a Chase credit card application by clicking the “Apply Now” button on the individual page for the card you’ve chosen.

One thing to keep in mind when signing up for a Chase credit card is the infamous 5/24 Rule, which will automatically reject applicants who have opened five or more new credit accounts in the last 24 months. If you have too many recent accounts, you may need to wait a few months before applying for a Chase card.

EXPERT'S RATING
★★★★★
4.9
OVERALL RATING
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.24% - 26.24% Variable
$550
Good/Excellent
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
  • 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 17.24% - 25.99%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent
Chase Freedom Flex℠ Review

at the issuer'ssecure website

EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
  • 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 17.24% - 25.99%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent

+See More Chase Cards

How to Sign Up for a Citi Credit Card

Citi’s range of credit card offerings includes more than 15 options for consumers and small business. The bank provides both its own branded card options, such as the breakthrough Citi® Double Cash Card, as well as a host of co-branded cards, including the much-lauded American Airlines co-branded AAdvantage cards.

You can sign up for a new Citi credit card by clicking the “Apply Now” button for any individual card and completing the online application. You’ll need to select a security word during the application process that will be used to set up online banking if you’re approved. If you’ve received a pre-screened Citi credit card offer in the mail, you can respond to the offer online by entering your Invitation Number on the response page.

CITI® RATING
★★★★★
4.8
OVERALL RATING
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, 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).
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% Intro APR Period 18 months on Balance Transfers
16.99% - 26.99% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

CITI® RATING
★★★★★
4.8
OVERALL RATING
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

CITI® RATING
★★★★★
4.8
OVERALL RATING
  • 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash℠ Card account per person.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 months Purchases and Balance Transfers
0% 15 months Purchases and Balance Transfers
16.99% - 26.99% (Variable)
$0
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

+See More Citibank Cards

How to Sign Up for an American Express Credit Card

American Express is both a credit card processing network and a card issuer, offering a range of consumer and business credit products, including both charge cards and revolving credit cards. Signing up for an American Express credit card is as simple as selecting the Amex card you want, clicking the “Apply Now” button, and filling out the short application form.

If you’ve received a pre-screened Amex offer in the mail, you can go to the Check for Offers screen and enter your 14-digit RSVP code under “Respond to Your Mail Offer.” Once you’ve completed the online application, you can receive a decision in as few as 30 seconds.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express provides a hard-to-beat rewards package, including 6% cash back on grocery purchases.

Blue Cash Preferred® Card from American Express

  • Earn 6% cash back at U.S. supermarkets (on up to $6k a year) & on select U.S. streaming services
  • Earn 3% cash back on U.S. gas station and transit purchases
  • Pay a $95 annual fee

Just $35 a week in grocery purchases made with your Blue Cash Preferred® card will let you break even on the $95 annual fee. And that’s before you include bonus rewards from gas station and department store purchases.

The Amex EveryDay® Credit Card from American Express

The Amex EveryDay® Credit Card from American Express offers flexible Membership Rewards® points, including bonus Membership Rewards® points for supermarket purchases.

Amex EveryDay Credit Card

  • Earn 2X Membership Rewards® points per $1 at US supermarkets up to $6,000 per year in purchases
  • Earn 1X Membership Rewards® points per $1 on all other purchases
  • Pay no annual fee, ever

If you use your Amex EveryDay® Credit Card 20 or more times a month, you can receive 20% bonus points on those net purchases, helping you rack up rewards in no time.

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is the lighter version of the Blue Cash Preferred® card, offering lower rewards earnings rates but without the annual fee.

  • Earn 3% cash back at US supermarkets on up to $6,000 per year in purchases
  • Earn 2% cash back at US gas stations and US department stores
  • Earn 1% cash back on all other purchases

You can earn rewards and enjoy interest-free purchasing with the Blue Cash Everyday® card’s introductory offer for 0% APR.

+See More American Express Cards

How to Sign Up for a Wells Fargo Credit Card

Wells Fargo’s line of credit cards covers the gamut, with consumer offerings to meet nearly any need, including options for earning rewards, lowering your APR, and building credit. You can sign up for a Wells Fargo credit card online by clicking the “Apply Now” button for a particular card and filling out the application.

In some cases, you may have received an exclusive offer from Wells Fargo in the mail. To apply for a Wells Fargo credit card using a pre-screened offer code, simply head online to Respond to an Offer and enter the reservation number from your offer and the last four digits of your Social Security number.

+See More Wells Fargo Cards

Signing Up for a Credit Card by Credit Range

With all the options available in the modern credit card market, it can be all too easy to get so wrapped up in the idea of picking the perfect card that you forget one key fact: just because you sign up, doesn’t mean you’ll be approved. Yes, no matter the card’s features or origins, nearly every credit card issuer will rely on your credit history and score to determine your creditworthiness before approving your application.

This means an important part of signing up for a new credit card is to check your credit reports and scores so you know where you stand. If you have good credit, congratulations — signing up for a credit card will likely be a matter of simply picking the card you want. For everyone else, however, signing up may first require looking for cards that cater to your particular credit profile.

Good Credit | Fair Credit | Bad Credit | No/Limited Credit

How to Sign Up for a Credit Card with Good Credit

As the ideal consumer for most of the prime credit card market, those with good to excellent credit scores (FICO scores above 680) often receive their pick of the available options. For these diligent and responsible consumers, the most difficult part of signing up for a credit card will often be choosing which card to go after first.

Of course, a vital part of maintaining your good credit throughout the signup process is to ensure you use any new cards as responsibly as your track record with your current and past credit products indicates. This means paying your bills on-time and as agreed, maintaining low credit card balances, and avoiding opening excessive credit accounts.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 14.99% to 25.99% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 15 months
0% Intro APR for 15 months
14.99% - 25.99% Variable APR
$0
Excellent/Good
Discover it® Balance Transfer Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
4.9
OVERALL RATING
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 6 months
0% Intro APR for 18 months
14.99% - 25.99% Variable APR
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good

+See More Cards for Good Credit

How to Sign Up for a Credit Card with Fair Credit

In many ways, having fair credit (FICO scores between 580 and 669) is a bit like being in credit card limbo. You’re not the demographic for the subprime credit card issuers — but you’re not exactly the target audience for the latest and greatest prime cards, either. This can make signing up for a credit card with fair credit a little tricky.

While prime cards are almost always a better — and more affordable — option than subprime cards, you have to be careful to pick a card for which you’re likely to qualify. A good way to test the waters for a particular issuer is to check for pre-qualification offers. Pre-qualification uses a soft credit check to determine which cards you are most likely to qualify for, helping you avoid a rejection — and a wasted hard credit pull.

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.5/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$39
Average, Fair, Limited
Fortiva® Mastercard® Credit Card Review

at Fortiva'ssecure website

FAIR CREDIT RATING
★★★★★
4.6
OVERALL RATING
  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†
  • † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99% OR 36% (V)
As low as $85
Fair

+See More Cards for Fair Credit

How to Sign Up for a Credit Card with Bad Credit

When you have bad credit (FICO scores below 580), traditional credit card issuers typically don’t want to take the risk of offering you a credit card. So, for bad-credit consumers, successfully signing up for a credit card is mostly a matter of selecting the right card in the first place.

By choosing a credit card designed for rebuilding credit, you can significantly improve your chances of being approved when you sign up. With poor credit, your options will generally be between subprime unsecured credit cards — which tend to have high rates and fees — or secured credit cards, which require an up-front deposit to open.

PREMIER Bankcard® Grey Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Provider Website
See Provider Website
Fair/Poor
PREMIER Bankcard® Mastercard® Credit Card Review

at PREMIER Bankcard®'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Provider Website
See Provider Website
Fair/Poor
Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
See website for Details
24.99% – 29.99% (Variable)
See website for Details
See website for Details*

+See More Cards for Bad Credit

How to Sign Up for a Credit Card with No/Limited Credit

Although no news might be good news in some industries, that’s not the case in the world of finance. Indeed, the only good thing about having no credit history is that it isn’t a bad credit history. For applicants with no or limited credit histories, a critical part of signing up for a credit card will be carefully selecting a card that is designed for credit-builders or students.

If you have some credit history but are concerned it isn’t enough to qualify for a particular card, you can check for pre-qualification offers before officially applying. While pre-qualification doesn’t guarantee you’ll be approved if fill out a formal application, it can be a good indicator of your chances. Since pre-qualification uses a soft credit inquiry, rather than a hard inquiry, it won’t affect your credit score.

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.6/5.0
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (Variable)
$0
Average, Fair, Limited
NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Average, Fair, Limited
NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.6/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (Variable)
$0
Average, Fair, Limited

+See More Cards for No/Limited Credit

Always Use Credit Responsibly

Credit cards have certainly come a long way since the first mass-delivered batch of BankAmericard credit cards hit 60,000 mailboxes in Fresno, California. We now have literally hundreds of different credit card options on the market, with options for nearly any consumer’s credit card wants or needs.

The process of signing up for a new credit card has also evolved exponentially — especially considering the first cardholders didn’t even sign up at all. Long gone, too, are the cumbersome snail-mail applications that took days or months to get a response.

Today, most credit cards are obtained through simple online application forms that shorten the time it takes to sign up for a new card to a matter of minutes, with responses in as little as 30 seconds. The credit card future is now.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.