Rural King Credit Card Apply (2024)

FAQs

What credit score do you need for apply card? ›

A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more. However, there are plenty of cards you can get with a score lower than this (more on that later).

660 to 724: Credit cards for people with a good credit score

If your credit score lands in the 660-to-724 range, you have a solid chance of successfully applying for many types of credit cards, including some rewards cards.

The Card is issued by UMB Bank, n.a. ("Issuer"), which is the creditor on your credit card account with Issuer (“Card Account”), under an agreement with RK Holdings, LLC (“Rural King”) and RK Finance, LLC (“RK Finance”).

No guarantees, but here are ways to increase your chances of getting a "yes." Erin El Issa writes data-driven studies about personal finance, credit cards, travel, investing, banking and student loans.

You can get an unsecured credit card with a 500 credit score, but you will likely end up with high fees, high interest rates, and a low credit limit. The best unsecured credit card for a 500 credit score (and one of the easiest to get) is the Credit One Visa card.

Cards for fair or average credit

Even with a fair FICO credit score of 580 to 669, you can find plenty of solid fair-credit cards to choose from.

A credit score of 700 or better is typically needed for a card that offers a $5,000 credit limit. This means that these cards usually require you to have good or excellent credit. You will normally need a high income and little to no existing debt to get a limit that high, too.

One of the best credit cards for a 550 credit score is the OpenSky® Plus Secured Visa® Credit Card because it has a $0 annual fee and there's no credit check when you apply, so approval is almost guaranteed.

The Rural King Harvest Visa Card is now available! This is not just an ordinary store card, it can be used anywhere Visa is accepted. We offer 5% cash back on in store purchases and 1.5% cash back anywhere else you use it.

Does rural king have payment plans? ›

Shop Now, Pay Later with Rural King Payment Plans

Shop seamlessly at Rural King using Sezzle's bill now pay later platform to become financially empowered with a user-friendly approach that fits your financial flow and ensures no surprises with Rural King payment methods.

Our pick for: No credit check at all

The OpenSky® Secured Visa® Credit Card is a rarity even among secured credit cards, in that it allows you to qualify without a bank account or any kind of credit check. It normally requires a minimum $200 security deposit, which sets the amount of your credit limit.

The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.

Your credit history is limited

To assess your creditworthiness, lenders typically review your credit history, which includes whether you have a track record of making payments on time. If you're new to credit or have a thin credit file, you may not have had a chance to prove your creditworthiness yet.

90% of top lenders use FICO^® Credit Scores. If you have a low credit score or limited credit history, you still have options.

If your credit score is low

Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO9 score is lower than 600),⁵ Goldman Sachs might not be able to approve your Apple Card application.

While it can be more difficult to get approved for certain premium cards with a credit score of 600 or below, there are still solid credit card options available.