How to Apply for a Credit Card Online


Compare credit cards based on key features

Once you have a few cards in mind, it’s time to compare them and choose the one you like the most.

Sometimes you’ll get lucky and it’s child’s play. You’ll find a card with features you love and you know it’s a game. If you are already sure which one you want, you can skip to the next step.

But it’s not always that simple. There may be several cards that you like and you may not be sure which is the best option. If you’re in this position, my advice is to focus on a few key features that matter the most.

Here are a few features that might be on your list depending on what you want and what type of card you get:

  • Annual subscription : The annual cost of carrying the card
  • Credit score requirement: The score you need to get the card
  • Welcome bonus: An introductory bonus offer for new cardholders
  • Reward rate: The amount of cashback or points the card earns on purchases
  • Duration of the 0% intro APR offer: The duration of an introductory interest rate of 0%

Make this process easier: Use a credit card comparison tool. With this tool you can add the cards you are interested in and see how they compare in different areas side by side.

Complete the credit card application online

Once you have decided which card you want, you can apply for it online. Visit the card’s webpage and click the “Apply Now” button.

Most applications will be information you know by heart, but it helps to be prepared. Here is the personal information you can expect to provide:

  • Full Name
  • Date of Birth
  • Social Security number
  • Mailing address (must be a street address, not a PO Box)
  • E-mail address
  • Phone number

Credit card companies also require some basic financial information. They usually ask for your:

  • Employment status
  • Gross annual income (before tax)
  • Monthly rent payment

Submit Application

When you submit your application online, there are three possible responses:

  • Approved
  • In the study
  • Refuse


You have a good chance of getting approved after following all the steps above. If your application is approved, your new credit card should arrive within seven to ten business days.

In the study

“Under Review” means the card issuer needs a bit more time to make up their mind. It usually takes no more than a week or two and you will receive a response by post, email or both. You can also call after a few days if you wish to proceed with your application.


It’s disappointing if your request is denied, but there may be a way around it. Try calling the card issuer and ask for a reconsideration. It is often possible to have a refusal overturned if you call and ask. If that doesn’t work, you can always find a new card to request.

That’s all you need to know about how to apply for a card online. Now that you understand the whole process, you can take steps to get the right credit card for you.


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