How to Apply for a Credit Card Online
Apply for a new credit card online and get a decision in minutes.
Steps
- 1
Compare credit cards
based on your needs. Look for cards with no annual fee, cash back, or travel rewards that match your spending.
- 2
Check the card's requirements
before applying. Many cards list a recommended credit score range on their website.
- 3
Click "Apply Now"
on the card issuer's website. You need your Social Security number, income, and employment information ready.
- 4
Fill out the application
with your personal details. The issuer runs a credit check and reviews your credit history.
- 5
Review your approval decision
immediately. Some approvals give you a virtual card number you can use before the physical card arrives.
Frequently Asked Questions
What credit score do I need for a credit card?Show
It depends on the card. secured cards accept scores of 580 or lower, while premium rewards cards often require 700 or higher.
How long does a credit card application take?Show
Most online applications give you a decision within 60 seconds. Some applications need manual review and take a few days.
What happens if my application is denied?Show
The issuer sends you a letter explaining why. You can call their reconsideration line to appeal the decision.
How long until my card arrives in the mail?Show
Physical cards arrive in 7 to 10 business days. Many issuers offer a virtual card number for immediate use.
Related Guides
Written by the HowToDoStuff.online editorial team. Last updated .