cancel
Showing results for 
Search instead for 
Did you mean: 

What score do you need for prime cards?

Frequent Contributor

What score do you need for prime cards?

In general, around what credit score would you say that you are likely entering into prime land? The answer is probably YMMV since it depends on what's on your CR and also what cards are considered prime, but if you had to guess a score, what would it be?

Message 1 of 28
27 REPLIES
Moderator

Re: What score do you need for prime cards?

Based on my last score of 624, I'm going to assume the answer is higher than 624.  :-)

 

You are right, though, in that it depends on the individual CR.  It might also depend on what you consider "prime"



Start: 619 (TU08, 9/2013) | Current: 802 (TU08, 3/13/18)
AMEX BCE $34000 | Discover IT $27000 | cashRewards VS $25000 | Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 Store $25000 | Care Credit MC $20000 | BofA BBR #1 $19000 | BoA BBR #2 $18800 | Cap 1 QS WMC $17250 | JCP $15000 | CashForward WMC $14000 | Barclay Rewards WMC $14000 | Citi DC $12600 | Cash+ VS $12000 | Freedom VS $12000 | Disney VS $11500 | Cash 365 AMEX $11000 | WCU Visa $10000 | Uber VS $9000 | Blispay $7500 | Amazon VS $7300 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 4/1/18
Message 2 of 28
Valued Contributor

Re: What score do you need for prime cards?

For me it was somewhere between 680 and 700.

Message 3 of 28
Valued Contributor

Re: What score do you need for prime cards?

Id say 700 is a good spot, though above 685 seems to open doors...Of course YMMV, as you said. And I'm sure there are people with much lower scores that have been approved and much higher that have been rejected.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 4 of 28
Frequent Contributor

Re: What score do you need for prime cards?

I think you are starting to see a trend here as in YMMV but 680 or so is a good starting point from a score standpoint only.


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Message 5 of 28
Super Contributor

Re: What score do you need for prime cards?


Swapmeet wrote:

Id say 700 is a good spot, though above 685 seems to open doors...Of course YMMV, as you said. And I'm sure there are people with much lower scores that have been approved and much higher that have been rejected.


+1.

 

Credit score is just one of the many things lenders look at as well. Don't stress out too much over that number.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 6 of 28
Regular Contributor

Re: What score do you need for prime cards?

I would also echo the 680 sentiment but I would add that you can find quite a bit of success in reconsideration, provided you are not trying to just perpetuate bad habits and want to start relationships with other lenders. I went from one lender in my wallet (C1) to a total of eight different ones now even including an AMEX Corporate Card. Just my two cents

 

JP


TU:552 | EQ:561 | EX:567 | Starting Score [LP from 08]
TU:693 | EQ:682 | EX:700 | Current Score [11.21.13]
[720 Overall] Goal Score - The grass is greener in the garden! (Amex made me fall out... since 12.13)

Take the myFICO Fitness Challenge
Message 7 of 28
Frequent Contributor

Re: What score do you need for prime cards?

+100

Marriott Rewards Visa $25,000; AirTran A+Rewards Visa $25,000; PFCU Visa $17,000; Barclay B&N MasterCard $12,000; GUCU Visa $10,500; Nordstrom Visa $10,000; GOCU Visa $10,000; Ann Taylor MasterCard $6,400; US Bank Perks Plus Visa $5,000; Barclay Arrival MasterCard $5,000; Quicksilver One $3,000; Capital One Classic $3,000; Amazon Visa $500; Sam's Club MasterCard $250; Dillards AMEX $250; Wal-Mart MasterCard $250.
Message 8 of 28
Valued Contributor

Re: What score do you need for prime cards?

I was approved for a Chase Freedom after recon at 692 (not that it is a "prime" card but a prime lender).

Message 9 of 28
Established Member

Re: What score do you need for prime cards?

Low 700's with a perfect recent history will get you an Amex or two.  Smiley Happy

Chase Freedom(5.3K), Citi Double Cash (8.8K). Citi Thank You Preferred(10.2K) DCU Platinum Rewards(10K), REI Visa(9.6K) Amex Blue Sky(5K), Amex Blue Cash Preferred (20K), Crate & Barrel (3.5K) Discover IT(16.5K) CSP (28K)
Message 10 of 28