The Ultimate Guide to Credit Cards
Tuesday, July 7, 2020

How to Sign Up For a Credit Card — 2020’s Complete Guide

How to Sign Up For a Credit Card — 2020’s Complete Guide

credit card advice

Brittney Mayer
By: Brittney Mayer
Updated: March 19, 2020
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
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% Variable
$0
Good/Excellent
CASH BACK RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
13.99% - 23.99% (variable)
$0
Excellent/Good
Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

CASH BACK RATING
★★★★★
4.8
OVERALL RATING
4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Chase is not an affiliate partner with CardRates and does not review editorial content on our site
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A 12 months
13.24% - 19.24% Variable
$0
Good/Excellent

+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
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

AIR MILES RATING
★★★★★
4.8
OVERALL RATING
4.7/5.0
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
  • Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars or baggage fees
  • Introductory 0%† APR for your first 12 billing cycles for purchases.  After that, a Variable APR that's currently 14.99% to 22.99% will apply.
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • Preferred Rewards members earn 25%-75% more points on every purchase
  • That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 billing cycles
N/A
14.99% - 22.99% (Variable)
$0
Excellent/Good
AIR MILES RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $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 no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 20.99% Variable
$95
Good/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
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
POINTS & GIFTS RATING
★★★★★
4.8
OVERALL RATING
4.6/5.0
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
13.49% - 23.49% (Variable)
$0
Good/Excellent
POINTS & GIFTS RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
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.

BEST OVERALL RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
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
14.99% - 23.74% Variable
$0
Good/Excellent

Capital One® Venture® Rewards Credit Card

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% 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.

+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
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% Variable
$0
Good/Excellent
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent
EXPERT'S RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
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
4.8/5.0
  • Earn cash back twice. 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 Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
13.99% - 23.99% (variable)
$0
Excellent/Good
CITI® RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 21 months
14.74% - 24.74% (Variable)
$0
Excellent/Good
CITI® RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
13.49% - 23.49% (Variable)
$0
Good/Excellent

+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.

Amex BlueCash Everyday

  • 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.

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.99 - 23.74%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
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
14.99% - 23.74% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • 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
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

+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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Fair
Credit One Bank® Visa® Credit Card with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.8/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good
NetSpend® Visa® Prepaid Card Review

at Netspend'ssecure website

BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
3.6/5.0
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card " for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Up-to $9.95 monthly
Not applicable

+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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$0 - $99
Fair/Good
Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Bad, Poor Credit

+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.

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