The best rewards credit cards require good to excellent credit, yet you can find 1.5 percent cash back cards for consumers with fair credit, poor credit or no credit as well. Ultimately, it’s helpful to know your credit score before you apply so that you put your energy toward those with a higher chance of approval. You can check your credit score for free by using Experian’s free credit monitoring service, which provides your FICO 8 credit score in exchange for sending you personalized offers and ads, or by using a free service through another bank or credit card issuer. Capital One, Discover and American Express all offer ways to check your credit score for free, even if you’re not a cardholder.