How to Get a Credit Card

Credit cards get a bad rap because of their interest rates, late fees and encouragement to pay only the minimum amount due every month. They have benefits, however, and can come in handy if you are faced with an emergency or a large expense. Get a credit card by responding to an offer, filling out an application or talking to a financial representative who can help you find the best card for your budget and lifestyle.

Edit Steps

Method One: Respond to an Offer

Look for credit card offers in your email or your mailbox. Credit card companies will often advise you when you are "prequalified" or "preapproved" for credit, meaning your financial information indicates you are eligible for a credit card.

Review the offers to determine which one is most attractive. Look at interest rates, annual fees and payment terms.
- Find a card that gives you benefits you can use. For example, if you travel a lot, a credit card that offers frequent flyer miles or points towards hotels and rental cars might be a good option.

Fill out the application. Email offers will come with a link to the online application. You can also call the toll-free number or fill out the paper application if your offer came in the mail.
- Provide your offer code when you apply for the card. Most letters or emails will have a code including letters and numbers that will allow you to access the specific offer made to you.

Say "yes" at the register. Many stores offer you their consumer credit card when you are checking out. Department stores and specialty shops often offer savings on your purchase if you fill out an application for credit.
- Pay attention to the terms. Retail cards often come with interest rates that are higher than typical Visa, MasterCard or Discover cards.

Method Two: Talk to your Bank

Ask your bank or credit union to open a credit card account for you. Established customers are often able to link their credit cards to their bank accounts, making payments easy to manage.

Discuss options with your banker. Most financial institutions offer several different cards. The best one for you will depend on your financial situation, spending habits and credit score.

Complete any application paperwork and wait for the bank's decision, which you should have right away.

Method Three: Apply to Credit Card Companies

Search for credit cards through credit card companies such as Capital One, Chase, Citibank, Discover and American Express.

Review the available cards based on what you are looking for. You can look for cards with low interest rates, reward programs and balance transfer offers.

Look for cards that target your credit situation or age. For example, you can search for cards available to those with bad credit or no credit. You can also search for cards that are good for students, seniors or businesses.

Edit Tips

Check your credit before applying for a credit card. This will help you determine how likely you are to be approved for a particular card.

Consider using a site that matches your information to potential credit cards, or helps you find an offer that makes sense for your credit history, income level and credit need. You can get help finding a card just by providing a bit of personal information.