Fred Meyer Credit Card: Increase Your Approval Odds (+ Get Better Rates)

Last Updated: Mar 27, 2023

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We generally only recommend Fred Meyer 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.

Is Fred Meyer Credit Card a good credit card for me?

Every situation is different, so it's hard to give a blanket recommendation on whether or not Fred Meyer 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.

Is Fred Meyer Credit Card worth it?

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 Fred Meyer 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):

  • Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
  • Are there are signup bonuses available with this card?
  • What annual fees does it have?
  • Are there penalty APRs?
  • Does it have an interest free period, and if so, how long is it?
  • How does it's APR compare to other cards?
  • How does the rewards/points system work?

What are the approval odds for Fred Meyer Credit Card?

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 Fred Meyer Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.

What credit score do I need for Fred Meyer Credit Card?

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).

Improve your credit score BEFORE applying for Fred Meyer Credit Card

If your credit score is preventing you from qualifying for Fred Meyer 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 Fred Meyer Credit Card. Not to mention all the other benefits that come with a great credit score!

How to Get the Most Out of Your Fred Meyer Credit Card

If you’re able to get approved for the Fred Meyer Credit Card, you can take advantage of a wide range of rewards and benefits. To ensure that you get the most out of your card, begin by comprehending the rewards program. You get to receive one point per eligible net dollar spent on purchases made at Fred Meyer, and after every 500 points accumulated, you'll receive a $5 reward.

Make use of the special offers and discounts accessible to cardholders, like extra fuel points, purchase discounts, and exclusive coupons. Ensure you pay your balance completely and on time every month to avert interest charges, which can deplete the rewards earned rapidly.

Lastly, contemplate combining your Fred Meyer Credit Card with a rewards credit card, offering higher points or cashback advantages for certain categories such as gas and groceries, to optimize your rewards earning ability.

The Benefits of Having a Great Credit Score

For your financial well-being, sustaining a good credit score is critical. A good credit score can unlock the doors to more advantageous interest rates on loans and credit cards, increased credit limits, and even lower insurance premiums.

Having a good credit score proves to the lenders that you are a reliable borrower and likely will return the debts timely. Consequently, it enables you to acquire credit when needed, whether it's for purchasing a vehicle, purchasing a house, or financing a substantial expense.

Furthermore, possessing a good credit score can facilitate obtaining rental housing, utility services, and even employment. Several landlords, utility businesses, and employers scrutinize credit scores as part of the application procedures, and a good credit score can make you a more desirable candidate.

Overall, maintaining a good credit score is crucial for your financial wellbeing, and it's never too late to start working on improving it.

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