 TITLE: What Credit Score Do You Need to Get a Rewards Card? CONTENT: Rewards credit cards come with major benefits, and to qualify for the privilege of using them, you'll need a credit score of 670 or higher. The closer your score is to 850, the more likely it is you'll be eligible for the cards with the most valuable perks.\nCredit card companies want your business if you have good or excellent credit, since they anticipate you'll be a trustworthy customer who won't miss payments. Rewards are a way they can entice you to sign up for a particular card, and to use that card for many of your purchases. If you have a fair or poor credit score, you're considered a greater risk to lenders, and issuers in turn may not be as interested in securing you as a rewards card customer.\nIf you're not sure what your credit score is, there are lots of ways to find out. Check with your bank and current credit card issuers to see if they offer free credit score monitoring. Many websites also offer free credit scores if you register for an account, including Experian, which provides free FICO® Scores☉ .\nKnow that while a credit card issuer's decision-making will rely heavily on your credit scores, they look at additional factors, too, including your income and current debt load. You'll also need to be at least 21 years old to qualify; applicants between 18 and 20 must prove they earn an independent income. END