It can be difficult to obtain due to its requirement of a good to excellent credit score (FICO score 670-850). However, this is in line with most travel cards, especially those that charge annual fees. If you feel you do not have a strong enough credit score, it may be worth looking into a no-annual-fee cards and building your credit from there. There may even be travel cards that you are eligible for that may provide more perks that fit your spending habits.