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- It's a good idea to know what type of credit score you'll need to for a given rewards credit card before you apply.
- One of the most popular cards, the Chase Sapphire Preferred® Card, generally requires a minimum credit score in the high 600s, but it's easier to be approved for than the more premium Chase Sapphire Reserve®.
- The Capital One® Venture® Rewards Credit Card also requires an excellent credit score.
- Other cards can be easier to get approved for, including some from Amex and the Alaska Airlines Visa from Bank of America.
- Different cards have different credit score requirements, but all "requirements" are really just guidelines. The issuer will always make the final credit decision.
- See Business Insider's list of the best credit cards for building credit »
If you have your eye on a rewards card like the Chase Sapphire Preferred® Card or the Delta SkyMiles® Gold American Express Card, you might be wondering whether your credit score is sufficient to get approved. And it's a good question — after all, many of the most popular cards are aimed at luxury travelers.
You might expect all rewards cards to require a high credit score, but that's not the case. Every card issuer has its own underwriting criteria, which isn't based strictly on credit score. Other factors can include employment, income, and any existing relationship with the bank.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.