Applying | Credit Card Topics | CardRates.com

18 Credit Cards With Instant Approval by Type (Jan. 2025)

By: Eric Bank, 1/2/2025

Here is our roundup of credit cards with instant approval by category. It turns out that most credit cards can give you an instant approval decision when you apply online. Sometimes, they will tell you that they need more information and will send a decision soon — in a matter of hours or days. Of course, sometimes the issuer will decline your application, but may offer an alternative card that better suits you. Navigate This Article: Bad... read more »

8 Credit Cards without SSN Requirements (2024)

By: Anna Baluch, 7/12/2024

If you’re a new immigrant to the U.S, an international student, or other noncitizen, you may be on the lookout for credit cards without Social Security number (SSN) requirements. While these cards aren’t widely available, they do exist. They can allow you to spend easily, earn rewards, build credit, protect against fraud, and enjoy several other perks. Let’s dive deeper into nine credit cards without SSN requirements that are sure to make your financial life easier. Consumers |... read more »

12 Credit Cards with Expedited Shipping (2025)

By: Eric Bank, 1/2/2025

Amazon.com has spoiled us. It habituated us to fast shipping, something it had to do to compete with brick-and-mortar retail shopping. Now we expect everything we order to arrive at our door fast. You’d think that the credit card industry was just as prompt, but typical shipment times are a glacial seven to 10 days to receive a new card, and three to seven days for a replacement. However, it's only the major issuers that offer credit cards with expedited shipping of one to two... read more »

Capital One Platinum Card: Credit Score Needed for Approval (2020)

By: Adam West, 11/17/2020

The dilemma for people with average credit or those just starting out is that most of the credit cards you qualify for are expensive and not very good at helping you build your score. That’s because most of them offer a very small initial credit limit, and then deduct an annual fee from that. Because of the low spending limits, using the card is likely to result in a high credit utilization rate, which can damage your credit score. But the Capital One Platinum Credit Card is... read more »

9 Best Fixed-APR Credit Cards & Alternatives (Jan. 2025)

By: Adam West, 1/2/2025

If you can remember when credit card issuers regularly offered fixed interest rates on at least some of their cards, chances are you’re not a millennial. So, what happened to fixed-rate credit cards? Simply put, the Credit CARD Act of 2009 happened, but more on that in a little bit. For now, you may be glad to hear there are still places you can find the best fixed-APR credit cards, even these days. Fixed APR | Low APR | 0% APR Fixed-APR Cards Can Be Found at Select Credit Unions... read more »

6 Best Credit Cards for Gamers (2024)

By: Adam West, 1/26/2024

Video games have come a long way. Once considered a recreation for kids, video games are now a billion-dollar industry that drives much of the world’s entertainment economy. And our list of the best credit cards for gamers shows the financial industry wants to tap into that market, too. Entertainment is a big part of what these cards reward. Whether it’s cash back for your purchases or bonus points for category spending, these cards show that Mario isn’t the only person in the... read more »

7 Best Credit Cards for Single Parents (2025)

By: Matt Walker, 1/2/2025

Being a parent is hard; being a single parent is one of the most challenging tasks anyone could ever undertake. And, as any single parent will tell you, a little extra help now and then is always welcome. Often, that help comes in the form of a piece of plastic you can rely on when finances are tight. But identifying the best credit cards for single parents is not always easy. Choosing a credit card should be based on your own unique needs, financial circumstances, and lifestyle.... read more »

9 Best Credit Cards for Walmart Shopping (2025)

By: Eric Bank, 1/2/2025

Attention Walmart shoppers! Are you earning all the rewards you should for spending your hard-earned dollars at Walmart? You may be surprised to learn that the best credit cards for Walmart shopping extend beyond the co-branded cards issued by Walmart. Read on to learn who gives you the best deal on your Walmart purchases. Navigate This Article: Cash Back Cards Travel Bad Credit FAQs ... read more »

8 Best Credit Cards for PayPal (2024)

By: Adam West, 1/27/2024

PayPal started as the preferred payment option for the auction website eBay but has grown over the years into one of the most popular ways to pay for just about any online purchase. But before you send money to a merchant or loved one using the service, make sure you do it with one of the best credit cards for PayPal transactions. That’s because the right card can net you rewards for your purchases, while still giving you the peace of mind that comes with PayPal’s buyer protection... read more »

5 Best Credit Cards After Divorce (Jan. 2025)

By: Adam West, 1/2/2025

While a judge’s divorce decree will officially end a marriage, the debt accrued during the union will likely live on. But with one of the best credit cards after divorce, you can turn the page on an unhappy marriage more quickly and start writing the next chapter in your life. That’s because the right credit card can help you pay off your debt with fewer interest charges, help you earn cash back on your post-divorce purchases, or even send you on a much-needed vacation to hit the... read more »

Which Credit Bureau Does Capital One® Use?

By: Eric Bank, 1/25/2024

Capital One is the sixth-largest issuer of credit cards in the U.S. In 2018, its cards had $59 billion in purchase volume, right behind Citibank with $67 billion. In terms of outstanding balances, Capital One is in third place, with 12.8% of outstanding balances. So, however you slice it, Capital One is a major league player in the credit card industry. The Capital One Bank markets its credit cards with the slogan “What’s in your wallet?” The company has also gained... read more »

7 Best Major Credit Cards (Jan. 2025)

By: Adam West, 1/2/2025

Several important factors separate the best major credit cards from several good mid-range options. The most important of these factors is acceptance. Major credit cards work on networks that most worldwide merchants and service providers accept. They’re also backed by large banks that have long, established histories. They won’t limit where you can use your card or leave you stranded when you’re strapped for cash. Below we review the best major credit cards and break them... read more »

12 Best Credit Cards for High Spenders (Jan. 2025)

By: Adam West, 1/2/2025

Maybe you’re planning a lengthy overseas trip or a major home remodel and need a credit card that can accommodate the increased expenses. Unfortunately, for many of us, the best credit cards for high spenders also happen to be the hardest to qualify for. According to data analyzed by the credit rating agency Experian, consumers with the top credit scores of 781 to 850 had an average credit card limit of $9,543 per card. That’s compared to an average limit of just $5,209 per card... read more »

5 Tips to Increase Your Credit Card Approval Odds

By: John Ulzheimer, 8/24/2020

It’s easy to apply for a credit card online. Find a card you like, fill in your personal information, and click “apply.” This can be done 24/7/365 from the comfort of your own home. But as you likely already know, actually getting approved for that credit card isn’t always so simple. If you want to improve your odds for a credit card approval, it pays to do some work in advance. You can improve your odds for approval by preparing prior to submitting your application. And,... read more »

8 Best Credit Cards for High Credit Scores (Jan. 2025)

By: Anna Baluch, 1/2/2025

You’ve paid all your bills on time, kept your balances low, applied for and opened new credit only when you really needed to, and tackled your debt. Your hard work has paid off because you now have a high credit score you couldn’t be prouder of. So, how can you reap the benefits of a high credit score? Easy! You can take advantage of the best credit cards for high credit scores and the awesome perks they offer. Whether you’d like simple cash back or miles you can use for... read more »

5 Best Credit Cards for New Credit Users (2023)

By: Adam West, 9/6/2023

They say it’s not about how you start a race, but rather how you finish it -- but that saying isn’t quite true in the credit world. If you’re just getting started on your financial journey, finding the best credit cards for new credit users could give you a nice head start. The market offers so many different card options for new credit users, but it's not unusual for the terms and conditions to easily confuse even veteran credit users. We’ve compiled a list of the top 15... read more »

5 Tips: How to Get Approved for a Credit Card

By: Marcie Geffner, 10/22/2021

Getting approved for a credit card is easy for some people. But for others, the approval process can be fraught with roadblocks. This article will explain what you need to know if: You're applying for your first card, you need to rebuild your credit, or you have one or more cards and want to obtain another. You want to learn more about how to apply and improve your chances of being approved. You've faced challenges being approved, or you've applied and been denied. Before... read more »

6 Last-Chance Unsecured Credit Cards (2024)

By: Adam West, 11/6/2024

Every mutual fund prospectus or investment disclosure includes a disclaimer at the bottom that proclaims “past performance is no guarantee of future results.” That disclaimer also applies in the credit card world. We all make mistakes, but past mistakes don’t condemn you to a lifetime of rejection from lenders. Even if you’ve run through your second, third, and maybe your fourth chance, there’s still hope to turn the corner with a credit card that’s designed to help you... read more »

11 Credit Cards with $10,000+ Limits (2025)

By: Eric Bank, 1/2/2025

Some say $10,000 isn’t what it used to be. Maybe, but it still has a sweet ring to it, especially if it describes your credit card spending limit. Cards don’t advertise credit limits, but most applicants need good to excellent credit to snag one of these beauties. Even if your credit score tops 780, your limit isn’t assured, because several factors figure into the equation. For one thing, issuers evaluate factors like your income, current indebtedness, even your job history.... read more »

Credit One Bank Credit Score Needed For Approval

By: Eric Bank, 4/16/2024

Credit One Bank is a major credit card company that has offered cards to consumers with less-than-perfect credit since 1984. The bank claims to be the fastest-growing credit card issuer in the US and currently offers more than a dozen cards with varying benefits and fees. Although it offers credit-building cards, when it comes to obtaining a Credit One Bank card, credit score is still a factor that will be taken into consideration. In this article, we review the pros and cons of... read more »

5 Credit Score Ranges for Credit Card Approval (Jan. 2025)

By: Adam West, 1/2/2025

Everyone likes having options. That’s why hundreds of ice cream flavors exist and there's always more than one movie playing in theaters. Life would be dull without choices. And that goes for our financial lives, too. Credit card options for consumers with every credit score abound. Today, the diversity in rewards, fees, and other perks gives you more options than ever before, making shopping for a credit card much like shopping at the grocery store for your next ice cream fix. In... read more »

12 Easy-Approval Credit Cards by Category (Jan. 2025)

By: Aaron Crowe, 1/2/2025

Having a financial life without a credit card is possible, but it isn’t easy. A credit card makes online purchases fast and simple, and it beats carrying loads of cash to a store. Using a credit card smartly can improve a credit score, and the higher the score, the more likely you are to get the best terms on car and home loans, among other things. Being approved for a credit card isn’t always easy, especially if you have bad credit or none at all. You aren’t born with a credit... read more »

9 Best Chase Credit Cards of 2025

By: Eric Bank, 5/6/2024

Chase enjoys a solid reputation for offering a variety of popular business and personal credit cards thanks to generous sign-up bonuses and reward programs. You’ll find top cards with cash back, travel miles, and points to be earned. Some Chase cards are best for general use, while others offer targeted rewards for airline and hotel spending, business purchases, or balance transfers. In fact, credit cards from Chase are so popular that it limits sign-up bonuses if you have... read more »

Capital One Savor Cash Rewards Credit Card Review: Credit Scores, Limits & Rewards (2024)

By: Brittney Mayer, 10/22/2024

The Capital One Savor family of cards was designed for consumers with active lifestyles. The cards focus on dining, entertainment, and groceries — categories that allow users to earn bonus rewards on both everyday and special-occasion purchases. The Capital One Savor Cash Rewards Credit Card is the flagship card of the family, and offers plenty of rewards, perks, and all for no annual fee. You'll need good or excellent credit to qualify for the card. See the credit scores... read more »

12 Category Winners: Best Credit Card Offers (2024)

By: Brittney Mayer, 1/25/2024

Although a few exceptions may exist, the true value of most great deals or offers will be entirely contextual. For example, the best credit card offers for travel rewards are only actually valuable to those who, well, travel. As with many other things, finding a great credit card offer will start first with identifying what you want out of your card -- and your offer. The modern card market allows for extreme personalization in your credit card portfolio, making it easy to maximize... read more »

• About Us »	• Editorial Policy »
• In the Press »	• Media Assets »

All articles tagged Applying (page 5)