See your real odds before you apply.
CreditOdds is a crowdsourced approval database for 140+ credit cards. See how people with your score, income, and credit history actually fared — before you take the hard pull.
Stop guessing. Calculate.
Every approval and denial on CreditOdds is submitted by a real person with real numbers. Search a card, compare your profile to everyone who applied before you, and know whether it's worth the hard pull.
Pick a card.
Browse 140+ consumer and business cards across every major issuer. Each has a live record count.
Match your profile.
Score, income, credit length, existing cards. We filter records down to applicants who look like you.
Know your odds.
Get a real approval probability based on real data — plus the referral link that gives you the best bonus.
Submit a record. Earn on every click.
When you share your outcome, attach your referral link. We inject it for applicants whose profiles match yours — so the data you gave keeps paying you back.
All your cards. One page.
Track annual fees, renewal dates, and which cards you've submitted records and referrals for. Get personalized card news and benefit reminders — things your issuer won't tell you.
Know before you apply.
Hundreds of real approvals and denials. No soft-pull sales funnel. Just the data.