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Credit Score Estimator

Estimate your credit score in about 30 seconds. Just answer a few simple questions about your past credit usage:

Estimate your credit score

  • Your estimated credit is:

    Excellent

    750–850

    With your credit score in this range, you can take your pick of cards — and perks.

    Good

    680–749

    A credit score in this range means you could get approved for many cards, but you may still declined for cards requiring Excellent credit.

    Fair

    600–679

    Your credit will make it difficult for you to get approved for some cards, but don't worry. Some cards are made specifically for people trying to improve their credit.

    Poor

    Below 600

    Your credit is in rough shape — that doesn't mean you don't have anywhere to go. Many cards can help you build up your credit without the risk of taking on debt.

    Limited

    You have limited credit history, which means many credit card companies might be reluctant to offer you new lines of credit until you've proven your ability to take on debt and pay it off responsibly.

    Recommended reading:

    Inconclusive

    Based on the information you input, we can't estimate your credit score. You may want to access your official credit score from Credit Karma before applying for a credit card.

    Bankruptcy

    Establishing credit after a bankruptcy can be difficult. While it’s essential to build a new positive credit history, applying for too many accounts can be detrimental. We recommend you start with a secured credit card. If you have managed a secured credit card responsibly for a year or more since your bankruptcy, you may then want to look at other cards in the poor credit section.

    Chase Sapphire Preferred® Card

    Credit Needed: Excellent Credit
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A18.24% - 25.24% Variable$0 Intro for the First Year, then $95

    Bank of America® Cash Rewards credit card

    Credit Needed: Excellent/Good
    • No annual fee
    • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    0% Introductory APR on purchases12 billing cycles0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days12 billing cycles16.24% - 26.24% Variable APR on purchases and balance transfers$0

    Discover it® Cash Back

    Credit Needed: Excellent, Good
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    0%14 months0%14 months14.24% - 25.24% Variable$0

    Capital One(R) Venture(R) Rewards Credit Card

    Credit Needed: Excellent/Good
    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A17.99% - 25.24% (Variable)$0 intro for first year; $95 after that

    Discover it® Miles

    Credit Needed: Excellent, Good
    • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
    • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
    • No Blackout Dates - fly any airline, stay at any hotel.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    0%14 months10.99%14 months14.24% - 25.24% Variable$0

    Discover it® Cash Back

    Credit Needed: Excellent, Good
    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
    • Plus, earn unlimited 1% cash back on all other purchases - automatically.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    0%14 months0%14 months14.24% - 25.24% Variable$0

    Capital One(R) Venture(R) Rewards Credit Card

    Credit Needed: Excellent/Good
    • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
    • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
    • Named ‘The Best Travel Card' by CNBC, 2018
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A17.99% - 25.24% (Variable)$0 intro for first year; $95 after that

    Chase Freedom®

    Credit Needed: Excellent/Good
    • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
    • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    0%15 months0%15 months17.24 - 25.99% Variable$0

    Capital One(R) Quicksilver(R) Cash Rewards Credit Card

    Credit Needed: Excellent/Good
    • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    0%for 15 months0%for 15 months16.24% - 26.24% (Variable)$0

    Capital One(R) Platinum Credit Card

    Credit Needed: Average/Fair/Limited
    • Pay no annual fee
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A26.96% (Variable)$0

    Capital One(R) QuicksilverOne(R) Cash Rewards Credit Card

    Credit Needed: Average/Fair/Limited
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Earn cash rewards without signing up for rotating categories
    • Get access to a higher credit line after making your first 5 monthly payments on time
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A26.96% (Variable)$39

    Discover it® Secured

    Credit Needed: Please refer to issuer's website
    • No Annual Fee, earn cash back, and build your credit with responsible use.
    • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
    • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/A10.99%6 months25.24% Variable$0

    Credit One Bank® Platinum Visa® with Cash Back Rewards

    Credit Needed: Fair Credit
    • Seeing if you Pre-Qualify is fast, easy, and secure
    • Get 1% cash back rewards on eligible purchase, terms apply
    • Rewards post automatically to your account each month
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A20.24% - 26.24% Variable$0 - $99

    Discover it® Secured

    Credit Needed: Please refer to issuer's website
    • No Annual Fee, earn cash back, and build your credit with responsible use.
    • It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
    • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/A10.99%6 months25.24% Variable$0

    Capital One(R) Secured Mastercard(R)

    Credit Needed: Limited/Bad
    • No annual fee, and all the credit building benefits with responsible card use
    • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
    • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A26.99% (Variable)$0

    Credit One Bank® Unsecured Visa® with Cash Back Rewards

    Credit Needed: Bad Credit
    • See if you Pre-Qualify in less than 60 seconds–without affecting your credit score. It's fast, easy, and secure.
    • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
    • This is a fully functional, unsecured credit card–not a debit card, prepaid card, or secured credit card with deposit requirements.
    Intro APR
    Purchases
    Intro Term
    Purchases
    Intro APR
    Balance Transfers
    Intro Term
    Balance Transfers
    Regular APRAnnual Fee
    N/AN/AN/AN/A20.24% - 26.24% Variable$0 - $99
    See all recommended cards »

    How to estimate your credit score

    By answering eight simple questions, we can guess your likely credit score range: Excellent, Good, Fair, Limited, or Bad. Although this doesn’t replace tracking your actual credit score, it can provide quick estimate if you don’t want to create an account at a monitoring site right now.

    There are several reasons why you want to understand your creditworthiness before you apply for a loan or credit card:

    1. If your credit isn’t strong enough to qualify for the product you choose, your application will be declined. This isn’t only disappointing, but it may further reduce your credit score temporarily.
    2. If your credit score is better than you think, you may be able to save money by applying for a product with better terms designed for applications with good credit.
    3. Knowing your credit level helps you compare the products for which you’re more likely to qualify.

    How our estimator works

    Our Credit Score Estimator is just that—an estimator. Your actual credit score changes almost daily. Using our knowledge of the credit scoring process, we created this tool to provide a sound estimate of your credit level based upon a few simple questions. Some of the biggest factors in your credit score are:

    • How long you’ve had credit accounts open
    • Your payment history on those accounts
    • The balances on those accounts
    • Negative events, like collections or bankruptcy
    • Recent credit applications

    So give our Credit Score Estimator a try, then see recommended credit cards for your estimated score range.

    Important! Issuing banks use many factors in making the decision to extend credit. Nothing here indicates a guarantee of credit approval with our bank partners.

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