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

Last Updated: Mar 23, 2023

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We generally only recommend Zappos 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 Zappos 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 Zappos 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 Zappos 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 Zappos 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
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  • Are there are signup bonuses available with this card?
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  • What annual fees does it have?
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  • Are there penalty APRs?
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  • Does it have an interest free period, and if so, how long is it?
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  • How does it's APR compare to other cards?
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  • How does the rewards/points system work?

What are the approval odds for Zappos 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 Zappos 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 Zappos 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 Zappos Credit Card

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

Getting the Most Out of Your Zappos Credit Card

If you're a frequent shopper at Zappos, the Zappos Credit Card is a great way to get the most out of your shopping experience. From the Zappos Rewards Program - which gives you points for each dollar spent that can be redeemed for discounts - to the VIP program offering free expedited shipping and exclusive sales, there are plenty of benefits to take advantage of.

Paying off your balance in full each month helps protect you from interest charges and keeps more rewards in your pocket. And don't forget to keep an eye out for special promotions and discounts specifically designed for cardholders!

The Benefits of Maintaining a Good Credit Score

A good credit score is essential for financial success and can open up a world of opportunities. It may be the deciding factor when it comes to getting loans with favorable terms and lower interest rates, saving money on insurance premiums and utility deposits, or even securing a rental property or job.

To make sure your credit score reflects your true creditworthiness, follow these three steps: Pay your bills on time each month, keep your credit utilization low by paying down balances and not maxing out credit cards, and review your credit report for any errors or inaccuracies.  Doing these things will help ensure that you achieve a great credit score!

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