Rural King Credit Card Minimum Credit Score (2024)

FAQs

How hard is it to get a rural king card? ›

Anyone can sign up for a Rural King Rewards VISA credit card at any of Rural King's 134 stores or online. Existing Rural King VISA cardholders do not need to reapply; they will automatically receive the Rural King Rewards VISA credit card and begin earning the enhanced rewards.

A credit score of 500 or less gives you plenty of room for growth when building your credit, and it won't exclude you from qualifying for a good credit card. Plenty of credit cards for a 500 credit score or lower offer credit-building tools to help you achieve a higher score; others even offer rewards.

There is no official “lowest score” that card issuers will accept because whether you get approved for a card depends on a variety of factors, not just your credit score.

Yes, it's possible to get an unsecured credit card with bad credit, including a score of 550. But the higher your score, the better the options available to you — including rewards rates, interest rates and annual fees.

The Card is issued by UMB Bank, n.a. ("Issuer"), which is the creditor on your credit card account with Issuer (“Card Account”), under an agreement with RK Holdings, LLC (“Rural King”) and RK Finance, LLC (“RK Finance”).

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

Why did my credit score go from 524 to 0? ›

Credit scores can drop due to a variety of reasons, including late or missed payments, changes to your credit utilization rate, a change in your credit mix, closing older accounts (which may shorten your length of credit history overall), or applying for new credit accounts.

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The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).

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.

For unSecured Credit Cards, your options are limited with a 500 Credit Score, and approval is less likely. However, you might explore Credit Cards specifically designed for rebuilding credit, such as the Capital One Platinum Credit Card or the Indigo Platinum Mastercard.

The best store credit card you can get with a 550 credit score is the Amazon Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.

Hardest Credit Card to Get Overall

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

Easiest Comenity Credit Cards To Get Approved For

The easiest Comenity Cards to get are the ones you can use the shopping cart trick on as they are not checking your credit. Out of the cards Comenity offer that this trick works on, most people find Victoria's Secret & Overstock the easiest to get the pop up on.

The credit score needed for the Tractor Supply Company® Credit Card is 640, at a minimum.

What is the easiest Citi credit card to get? If you are wondering how to get a credit card with a low credit score or limited credit history, the easiest Citi card to go for is the Citi® Secured Mastercard® * The information for the Citi® Secured Mastercard® has been collected independently by Blueprint.