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FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard® - 1.5% Cashback Rewards

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

Apply for a Credit Card Online

To apply for a credit card online, you will need to research and compare cards, gather your personal and financial information, complete the secure online application, and then activate the card when it arrives.

1. Before you apply

  • Check your credit score. This gives you a sense of what cards you might qualify for, as many rewards cards are designed for those with good-to-excellent credit, while secured cards are for those building or rebuilding credit. You can get a free copy of your credit report annually from each of the three major bureaus (Equifax, Experian, and TransUnion) at annualcreditreport.com.

  • Find the right card for you. Consider your financial goals and spending habits.

    • Rewards cards offer cash back, points, or miles on purchases.

    • 0% introductory APR cards offer a period of no interest on purchases or balance transfers.

    • Low-interest cards have a consistently lower interest rate, which is helpful if you carry a balance.

    • Secured cards require a cash deposit that becomes your credit limit and are used to build a credit history.

  • Seek pre-qualification. Many card issuers offer an online pre-qualification tool that lets you know if you're likely to be approved without affecting your credit score. This involves a "soft inquiry" on your credit report.

  • Understand credit card terms. Look for key details like the annual percentage rate (APR), annual fees, and late payment penalties.

    • 2. Gather necessary information

    Before starting the application, have the following information ready to make the process quick and easy:

  • Full legal name

  • Physical street address (no P.O. Box)

  • Date of birth

  • Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

  • Annual gross income (before taxes)

  • Employment status and contact information for your employer

  • Monthly housing costs (rent or mortgage)

  • Contact information, such as your email address and phone number

    • 3. Complete the online application

  • Visit the card issuer's official website. Never apply through an unverified email link.

  • Fill out the secure form. Enter your personal and financial information accurately. Double-check for typos, as small errors can lead to a denial.

  • Review and authorize. Read the terms and conditions carefully, then authorize the issuer to perform a "hard inquiry" on your credit to finalize your application. This may cause a small, temporary dip in your credit score.

  • Submit the application. You may receive an instant decision, but some applications take longer to review.

    • 4. After approval: Use your new card responsibly

  • Activate your card. When your card arrives, follow the instructions on the packaging to activate it, which can be done online, through a mobile app, or by phone.

  • Set up your online account. Create an account on the issuer's website or app to manage payments, track rewards, and monitor your balance.

  • Enroll in autopay. To avoid missing a payment, set up automatic payments for at least the minimum amount due. Payment history is the biggest factor in your credit score.

  • Maximize your rewards. Make sure you understand how your rewards program works, as some bonus categories may require manual activation.

  • Check your credit report. After a few months, check your credit report to ensure the new account and your payment history are being reported accurately.








    • FICO Credit Scores

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    What is a Credit Score?

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    Credit Score Facts

    1. Credit Scores range from 300-850, the higher the better.
    2. Most lenders base approval on your credit score.
    3. Higher Scores mean lower payments and better deals.
    4. Higher Scores mean Lower interest rates.
    5. Scores are determined by 5 main categories:
      • Payment History
      • Amounts Owed
      • Length of Credit History
      • Type of Credit Used
      • New Credit

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


    Security Notice: Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.

    *See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

    Advertiser Disclosure: The card offers that appear on this site are from companies from which www.Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). www.Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

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    • Advertiser Disclosure:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

    About Our Offers:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.