There are several different types of credit cards and each financial institution will have their own requirements for obtaining a credit card. These requirements will even change over time as the financial institution looks to have a balance of borrowers at different risk levels. Various credit scores are made available to financial institutions so it’s hard to know which score they may be looking at. A borrower’s score will also determine what their Annual Percentage Rate (APR) is. Credit cards have variable APRs which are typically tied to the Prime Rate, so expect fluctuation over time.