Scores above 700 are generally considered "Good," while scores above 750 are "Excellent" and qualify for the best rates. Step 2: Compare Card Types

Look for errors or fraudulent activity that could be dragging your score down.

American Express generally only allows you to earn a welcome bonus on a specific card once in your lifetime.

Once you hit "Submit," you will usually receive one of three responses:

Major banks have internal rules that may trigger an automatic denial, even with a high credit score.

To complete the online application quickly, have the following details ready:

Full legal name, date of birth, and Social Security Number.