If you’d like to get a credit card, you will have to apply for it. You may get offers in mail saying that you’re prequalified, but you’ll still have to go through the process of getting approved. The company you apply will go over your credit history to see if they want to extend you a credit card.

They are also using this history to determine how much the card will cost you (APR and Interest rate)

To get the best deal possible, be sure to compare more than one card.