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What FICO Score is needed for a Mileage card?

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Strivingfor800
Established Member

What FICO Score is needed for a Mileage card?

I finally gave a “good” FICO rating of about 700 and I’m wondering if that’s high enough to get a mileage accruing card.

Message 1 of 12
11 REPLIES 11
Remedios
Credit Mentor

Re: What FICO Score is needed for a Mileage card?

The descriptor "good" means nothing, just like score is really not that important compared to CR in its entirety
You'll need to provide more info on cards you already have, their age and all negative info on your CR
Also, you will need to be more specific in terms of which airline you use the most and/or where you're planning to travel.
Message 2 of 12
Strivingfor800
Established Member

Re: What FICO Score is needed for a Mileage card?

I have one card that is 3 years old and one that is a year, I’m using 18% is my credit line. On my report are two store cards that were closed due to lack of use. I gave one negative, Verizon, which I paid after CO.

Message 3 of 12
Strivingfor800
Established Member

Re: What FICO Score is needed for a Mileage card?

Also, I use mostly United, American, Delta, for personal travel within the U.S. but I occasionally internationally.

Message 4 of 12
ldkcivilservant
Frequent Contributor

Re: What FICO Score is needed for a Mileage card?

How long ago was the derog?

 

Have you tried any prequal tools? Amex for example?

NFCU Platinum $50k | Amex Delta Platinum $25k | Elan Financial $19.7k | Chase Freedom Unlimited $16k | Bank Americard $16k | Discover IT $13K | NFCU Flagship Rewards $10k | GS AppleCard $5.5k | Citi Simplicity $3k
Message 5 of 12
Strivingfor800
Established Member

Re: What FICO Score is needed for a Mileage card?

Sorry that Im just now seeing your reply. The derog was in March 2013, it was a CO that I I was unaware of and paid without negotiating... I have not tried any prequel tools. Where do I find them?

Message 6 of 12
randomguy1
Valued Contributor

Re: What FICO Score is needed for a Mileage card?

  1. What is your credit score?

  2. What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years.

  3. Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back?

  4. What point/miles do you currently have?

  5. What is the airport you're flying out of?

  6. Where would you like to go? (The More specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague)

Stole the above from reddit but more condensed.

 

OP, it would be helpful if you provided your FICO scores across all 3 bureaus. You can go to creditchecktotal.com and sign up for the trial and cancel, get your scores/report, and cancel a day later (and still have the benefits for the rest of the week). When you cancel, you are able to get their free plan which is definitely helpful for credit monitoring.   

Message 7 of 12
Anonymous
Not applicable

Re: What FICO Score is needed for a Mileage card?

Prequal sites:

 

American Express 

 

Chase 

 

Capital One 

 

Discover 

 

 

Message 8 of 12
Strivingfor800
Established Member

Re: What FICO Score is needed for a Mileage card?

Doing the prequels will bring my score down temporarily, right?

Message 9 of 12
Mv350
Valued Contributor

Re: What FICO Score is needed for a Mileage card?

Prequals should not bring your scores down at all. They are soft inq, not hard inq. When applying for the actual account, that is when you see a temporary score "ding". If approved, the account will show available credit, with that your utilization should drop, when the account ages, it helps with average age of accounts. Initially when applying you'll see a small dip. But it should change quickly.

Message 10 of 12
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