What credit score do you need for a Target card?
Minimum credit score: 640+ (at least fair credit) Age requirement: 18 years old. Income requirement: Enough to afford monthly payments (wages, investments, etc.) Citizenship: Must be a U.S. citizen with a valid Social Security Number.
If you meet the approval requirements and your identity is easy to verify, you will be approved in 5-10 minutes. Otherwise, it might take up to 2 business days to get approved for this card. It is also worth mentioning that you can check your application status by calling (800) 424-6888.
One of the best credit cards you can get with a 560 credit score is the OpenSky® Plus Secured Visa® Credit Card. This card won't check your credit when you apply, so you can have high approval odds even with damaged credit. Plus, the OpenSky® Plus Secured Visa® Credit Card has a $0 annual fee.
The Target Mastercard credit limit is usually around $6,000 to start, according to forum posts, and some cardholders report limits as high as $8,000. The issuer does not include any specific credit limit information in the card's terms, though.
If your credit score lands around 500 or lower, your chances of getting the credit card of your choice is significantly reduced. You may want to consider improving your score so you can have better chances of getting the card of your choice.
Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.
You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
Without collateral, and without a cosigner, qualifying for an unsecured personal loan for even $5,000 may be difficult for someone with a credit score of 560.
The best store credit cards for bad credit are the Montgomery Ward Credit Account and the Amazon Secured Credit Card. Both of these store credit cards accept applicants with bad credit scores, have $0 annual fees, and report to the major credit bureaus.
Can I get a Target card with 580 credit score?
You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.
If you have a fair credit score (580-669 FICO score), you can still apply for a Target Circle Credit Card as long as you don't mind a hard credit pull on your credit report.
This notice is provided by TD Bank solely with respect to your Target Card. This notice applies only to your Target Card account issued by TD Bank and does not apply to any other accounts you have with TD Bank or its affiliates. How does TD Bank protect my personal information?
Most negative items should automatically fall off your credit reports seven years from the date of your first missed payment, at which point your credit score may start rising. But if you are otherwise using credit responsibly, your score may rebound to its starting point within three months to six years.
The best credit card for a 480 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.
The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit. But unlike many other secured credit cards, it has a generous rewards structure.
You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
What credit score do you need for the Capital One Walmart Rewards credit card? You'll need good to excellent credit to qualify for a Capital One Walmart Rewards® Mastercard®. A credit score of 670 or higher is considered good on the FICO Score range.
Do you have to have good credit for a Target Credit Card?
Credit score requirement: You can qualify for the Target Circle™ Credit Card with good to excellent credit, generally defined as a credit score of 690 or better. As with all credit cards, though, credit scores alone are not enough for approval. The issuer will consider your income and other factors.
Yes, you can get pre-approved for the Walmart Credit Card, through the card's webpage. By clicking on “See if I'm Pre-Approved,” you can quickly check your odds of approval for the Walmart Credit Card before you actually submit an application.
Card name | Intro APR | Credit score |
---|---|---|
Mission Lane® Visa Credit Card | N/A | Fair, Good |
Citi Custom Cash® Card | 0% for 15 months | Excellent, Good, Fair |
Capital One QuicksilverOne Cash Rewards Credit Card | N/A | Average, Fair, Limited |
Capital One Platinum Credit Card | N/A | Average, Fair, Limited |
- Cash Back: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- No Minimum Credit Score: Milestone® Mastercard®
- Rates & FeesHigh Approval Odds: Total Visa® Card.
- No Upfront Fees: Indigo® Mastercard® for Less than Perfect Credit.
- No Checking Account Needed: Fingerhut Credit Account.
The Bank of America® Customized Cash Rewards Secured Credit Card is the easiest Bank of America credit card to get because you can get approved with bad credit. This means the odds of approval are good even with a credit score below 640.
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