Most cards require a “good” score (around 670–739 FICO), but there are options for those with “fair” credit (580–669) and secured cards for building or rebuilding credit.

Use the “pre-qualification” tools offered by issuers (e.g., Capital One, Discover). These perform a soft pull that does not impact your credit score.

A variable APR fluctuates with the prime rate, while a fixed APR stays the same unless the issuer revises your terms (which they sometimes can).

Yes, if your rewards earnings don’t exceed the annual fee. No-fee cards let you earn points or cashback without a recurring cost.

Issuers offer bonus categories (travel, dining, groceries) that earn between 1× and 5× points per dollar spent in those categories.

Many cards charge around 3% on purchases made outside the U.S. If you travel often, look for cards with no foreign transaction fees.

You must spend a set amount (e.g., $3,000) within the first few months (usually 3) to qualify for bonus points or cashback. Always check the exact requirements and deadlines.

A secured card requires a refundable security deposit (typically $200–$500) that becomes your credit limit. It’s ideal for those with no credit history or who are rebuilding their score.

After 6–12 months of on-time payments, you can request a higher limit via your issuer’s website or app. Be prepared to provide updated income information if asked.

Redemption options vary: you can apply points as a statement credit, transfer them to airline/hotel partners, or use them for gift cards. Visit your issuer’s rewards portal to explore all choices.