Credit Cards by Fico Range

[indiasnowden]

Anyone know of a website that lists credit cards with Fico score ranges that is reliable?  Thanks for any info.

[elim]

google "credit pulls database"

It takes a little effort but is the best.

[takeshi74]

This.   But also keep in mind that it's never just about score.

[longtimelurker]

---

@takeshi74 wrote:

This.   But also keep in mind that it's never just about score.

---

+1 on score

Also remember that credit pull DB, while probably the best source we have, is far from a representative sample.  I think it is safe to say that the VAST majority of credit card applicants do not report their success or failures there, not least because they don't know it exists (and have little interest in doing so if they do)

So my guess is that the score success/failure probably is more representative of those (over-)interested in credit cards, usually with a history of several credit cards apps, which is probably fine for those considering apping from here.   But in terms of the larger community, getting the impression that scores > X are needed for a particular card might not be true at all.

[longtimelurker]

Another source is Credit Karma, which reports the average (fako) score of holders of that card.   It's not clear if that means "Score at the time of those that applied through credit karma and got approved" or "Average score now of CK users who have this card" which would be less useful.    But it is a guide (with lots of caveats) to the relative difficulty of the various cards.

And yes, it is a FAKO, but you can use your FAKO to compare.

ETA:  They do now give more info:

Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from February 2015 through July 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed

Which I take to mean scores at the time of approval

[kdm31091]

It's never just about score. AAOA, inquiries, and many other things can and do factor in. Some lenders, like BOA, don't even really consider your score as much -- they look at the whole file. Your score is just a number (to some extent).

The point is don't over-rely on score itself. Look at the bigger picture of your file.