We generally only recommend Columbia Credit Card if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.
Every situation is different, so it's hard to give a blanket recommendation on whether or not Columbia Credit Card is the right card for you.
However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.
There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not Columbia Credit Card is worth it for you.
We recommend considering the following when looking into getting any credit card (as a starting point at least):
The approval odds are going to be heavily dependant on your credit score, income & expenses.
If you have a credit score of 750+, you can basically get approved for most credit cards, including the Columbia Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.
A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.
Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).
If your credit score is preventing you from qualifying for Columbia Credit Card, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.
Once we've improved your score for you, you'll be in a much better place to apply & get approval for Columbia Credit Card. Not to mention all the other benefits that come with a great credit score!
Speak with a live credit specialist for your free consultation, now. We're available for you 24/7