Getting credit card offers in the mail or online doesn’t guarantee that you’ll be approved for a card. To get a credit card in your name, you must meet a basic set of qualifications. Other requirements vary by card, and they’ll generally get tougher as you move into products with low interest rates, hefty rewards, or special benefits.

If you’ve been rejected and don’t know why, or if you haven’t applied for plastic in a long time (or ever), here’s what you need to know about qualifying for credit cards.

You Must Be Old Enough

Income Requirements

You Need a Credit History

Your Credit Should Be In Good Standing

You Can’t Be Drowning In Other Debt

1. You Must Be Old Enough

By law, you must at least 21 to open a credit card in your own name. However, most issuers do grant credit to people as young as 18 if they can show proof of income.

The application is more rigorous for younger borrowers, requiring them to submit pay stubs or bank statements, to ensure they can repay debts. (So, no, your weekly babysitting gig probably won’t cut it.)

However, if you do earn a decent income, you can get started with credit cards all on your own. Some issuers also offer student credit cards with lower credit limits designed to ease younger consumers into using credit.

2. Income Requirements

Credit issuers want to make sure you’ve got a steady paycheck before they extend a line of credit to you, says Bob Harkson, chief financial planning officer at Phase 2 Wealth Advisors in Gig Harbor, Washington. That’s why one of the main application questions inquires about your employment status and your earnings.

Except for applicants in the 18 to 20-year-old group, income information on a credit application is self-reported. This means the card issuer probably won’t check up on you. That said, lying can create serious problems, so just be honest.

Also, keep in mind that income includes money the applicant has “reasonable access” to, such as a spouse’s income. Other earnings count, too, like alimony, rent from tenants, government benefits, and retirement benefits.

If you’re a first time card-owner, it may be a great idea to get a card with no annual fee, a low interest rate, and 0% balance transfer rates. There are also solid cash back rewards credit cards that offer big rewards and are some of the best credit cards out there.

3. You Need a Credit History (With Exceptions)

You might wonder how you can establish a credit history if no one will give you credit.

Credit issuers do want to see you’ve been able to borrow and repay responsibly in the past. “There are some people who have paid cash all of their lives and haven’t shown they can pay a loan off, making it difficult to get approved for a card,” Harkson says.

In those situations, certain credit cards help new or previous credit users build credit. The options include secured credit cards, for which you must first deposit cash in the amount of your credit limit. After several months of responsible use and on-time payments a secured card, you usually can graduate to more mainstream, unsecured credit cards. Until you prove yourself, though, a nonexistent or thin credit file likely will put your application in the rejection pile.

Woman thinking about qualifying for a credit card

4. Your Credit Should Be In Good Standing

To get an idea of where you stand before you apply for a card, check your credit report, Harkson recommends. You can get a free copy of your credit report once a year from each of the three major credit bureaus (Equifax, Experian and TransUnion) through

You also should check your credit score. Often you can get your score for free through a bank, a financial app, or a personal finance website. If your score isn’t that great (the scale typically goes from a low of 300 to a high of 850) or recent late payments show up on your report, it will be more challenging to get approved for a card with favorable terms, such as a low APR.

“If you pull your credit report and it looks like you don’t meet the credit score qualifications of a particular card, you’ll at least see which areas you need to work on,” Harkson says.

Regularly making on-time payments and keeping balances as close to zero as possible boosts your score over time. But if your credit history and score aren’t where you’d like them to be, you might need to settle for a card geared toward people with poor or average credit to start.

5. You Can’t Be Drowning In Other Debt

In addition to income, a card issuer will ask about your debt, such as an auto loan or a mortgage.

“If your expenses are $2,000 a month and you report that you earn $2,500 in monthly income, there’s a good chance you won’t get a credit card,” Harkson says.

Another indication that you might have trouble paying your bills can be found within your credit report. Your report will show how much debt you’re carrying compared with your available credit (known as credit utilization). So, if you have $10,000 in available credit but owe $8,000, that means your utilization rate is 80%. The higher this number, the more of a risk you pose to a card issuer and they are less likely to approve you for a credit card account.

Credit utilization is the second most important factor when calculating your credit score (right behind payment history).

The Bottom Line About Qualifying For a Credit Card

Most credit card issuers don’t keep their qualification criteria secret, although you might need to dig for the details. It’s worth your time, though, since it’ll give you a sense of whether you’ll be approved for a new credit card before you fill out an application,  Even if your credit isn’t where you’d like it to be, as long as you meet the age requirements and earn ample income, you should be able to find a card that matches your situation and could even offer perks such as cash rewards, travel rewards and 0% intro APR and first year bonuses.