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Needed FICO Score for the 5 Best Rewards Cards

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The needed FICO score (credit score) to qualify for a rewards credit card depends on several factors. Each credit card company decides what credit score is required for their card. If a credit card company is looking to recruit new customers, then they may accept a lower credit score than another credit card company. If a company is feeling the credit crunch and being very selective about new accounts, they may require a much higher score. Or a credit card company may decide to accept a range of credit scores, but charge a higher APR as the FICO score drops.

Because different credit card companies have different requirements for the needed FICO score, there are rewards card available for different ranges for credit scores. Here are some of the best options currently available. Each credit card may use a FICO requirement slightly different from the one listed. Offers are subject to change without notice.

Best Rewards Cards with a Needed FICO Score of 661 or Better (Good Credit)

Chase Freedom (MONEY magazine’s Best Card for Cash Back)

  • Unlimited 1% cash back for all purchases.
  • 5% total cash back for up to $1,500 in purchases in the bonus categories (combined) each quarter.
  • New 5% categories every 3 months.
  • 0% Intro APR on purchases and transfers, 15 month period; after intro period a variable APR of 13.99-22.99%.
  • $100 bonus after spending $500 in purchases in first 3 months.
  • $25 bonus for adding 1st authorized user and making purchase within same 3 month period.
  • No annual fee. Rewards never expire (as long as account is open).

Credit One Bank Credit Card Gas Rewards

  • Unlimited 1% cash back.
  • Rewards post to account automatically each month.
  • You can get pre-qualified without it affecting credit score.
  • Automatic reviews for increase in credit line.

Best Rewards Cards with a Needed FICO Score of 601 or Better (Fair or Average Credit)

Barclaycard Rewards MasterCard

  • Earn 2 points for every $1 spent on groceries, gas and utilities. 1 point for every $1 spent anywhere else.
  • Points can be used like cash to pay for almost any purchases made.
  • No annual fees.
  • No redemption fees. No limit on points card members can earn.
  • Reports to 3 major credit bureaus monthly to help build your credit score.
  • Complimentary FICO credit score.

Credit One Bank Credit Card with Gas Rewards

  • Unlimited 1% cash back on gas.
  • Rewards post to account automatically each month.
  • You can get pre-qualified without it affecting credit score.
  • Automatic reviews for increase in credit line.

Best Rewards Card with a Needed FICO Score of 501 or Better (Poor Credit)

Credit One Bank – Earn More Credit Fast

  • 1% cash back on gas and get more value every gallon.
  • Automatic reviews for increase in credit line.

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