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Monday, July 6, 2020

What Are the Capital One Credit Score Requirements for 2020?

What Are the Capital One Credit Score Requirements for 2020?

credit card advice

Ashley Dull
By: Ashley Dull
Updated: December 5, 2019
Advertiser Disclosure

Thre are no absolute guidelines when it comes to Capital One credit requirements, but consumers with certain credit score ranges will be more limited in which cards may be available to them.

With a catchy slogan that’s hard to forget — “What’s in your wallet?” — and popular celebrities touting its virtues, Capital One has become a major contender in the credit card marketplace.

The young bank offers a range of credit card products, with something for just about anyone. There are options for travel miles and cash back rewards aimed at good-credit consumers as well as starter cards designed for credit-builders.

Capital One also has options for more niche consumers, with its secured credit card aimed at those with no/limited or poor credit, student cards for, well, students, and a range of business credit cards for businesses both new and established.

Good Credit | Fair Credit | Bad Credit | Student | Business

Capital One Credit Cards for Good Credit Scores (700+ FICO)

Although the definition of “good” credit can vary by scoring model and lender, if your credit score is above 700, you’ll likely qualify for most products for consumers with good credit, including many of Capital One’s most popular credit cards.

Of course, a score below 700 won’t automatically disqualify you for any of these cards. If your credit score is above 650, you may want to consider checking for pre-qualified Capital One offers to see for which cards you could be eligible.

Capital One® Venture® Rewards Credit Card

This card is currently not available.

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One of the first travel rewards credit cards to provide blackout-free redemption, the Capital One® Venture® Rewards Credit Card earns unlimited 2X miles per dollar on every purchase and a solid signup bonus worth hundreds of dollars in free travel.

Capital One® VentureOne® Rewards Credit Card

This card is currently not available.

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If you like the idea of travel rewards without date or brand restrictions but don’t like annual fees, then the Capital One® VentureOne® Rewards Credit Card may be the pick for you. You’ll earn unlimited 1.25X miles per dollar on every purchase.

Capital One® Quicksilver® Cash Rewards Credit Card

This card is currently not available.

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For those consumers who don’t travel enough to make miles worthwhile, the Capital One® Quicksilver® Cash Rewards Credit Card offers unlimited 1.5% cash back on every purchase with no annual fee or categories to track.

Capital One Credit Cards for Fair Credit Scores (600+ FICO)

Consumers with fair credit scores tend to fall into two categories: people just starting out with credit, and people who are rebuilding their credit scores after a few mistakes. Whichever camp you fall in, Capital One has two card options specifically designed for fair-credit consumers who need to build credit.

Capital One® Platinum Credit Card

This card is currently not available.

Capital One® Rating

★★★★★
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The Capital One® Platinum Credit Card doesn’t have fancy purchase rewards or an introductory APR offer, but it does have flexible credit requirements and no annual fee. Plus, cardholders who make their first five payments on time can get access to a credit limit increase.

Capital One® QuicksilverOne® Cash Rewards Credit Card

This card is currently not available.

Capital One® Rating

★★★★★
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If you have fair credit but you still want to earn rewards, the Capital One® QuicksilverOne® Cash Rewards Credit Card may be a good option. While it has a modest annual fee, it also offers unlimited 1.5% cash back rewards on every purchase and access to an increased credit limit after making your first five payments on time.

Capital One Credit Cards for Bad Credit (<600 FICO)

Although Capital One isn’t a subprime lender, the bank doesn’t leave those with bad credit out of the fold. Fans of Capital One who need to rebuild a bad credit score can turn to the Capital One® Secured Mastercard®, one of the few secured credit cards on the market with a variable deposit requirement.

While all Capital One® Secured Mastercard® cardholders receive the same initial $200 credit limit, the size of your required deposit will vary based on your individual credit profile. Depending on your situation, you may be required to make a deposit of $49, $99, or $200.

Capital One® Secured Mastercard®

This card is currently not available.

Capital One® Rating

★★★★★
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As a secured credit card, the deposit you make to open a Capital One® Secured Mastercard® is completely refundable, so long as your account remains in good standing. To recover your deposit, simply close your credit card account with a $0 balance.

Perhaps the most appealing aspect of the Capital One® Secured Mastercard® is that cardholders who show significant credit progress may qualify for an upgrade to an unsecured Capital One credit card. If eligible, Capital One will automatically upgrade your account and refund your deposit.

Capital One Student Credit Card Requirements

Establishing a credit profile is an important first financial step for modern consumers. In an effort to help credit newbies build credit the right way, many issuers, including Capital One, offer credit cards aimed at college students starting their credit journey.

Unlike most entry-level credit cards, the Journey® Student Rewards from Capital One® offers both cash back purchase rewards and no annual fee. Cardholders are even rewarded for good credit habits with extra cash back for paying your card bill on time.

Journey® Student Rewards from Capital One®

This card is currently not available.

Capital One® Rating

★★★★★
N/A

OVERALL RATING

N/A
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Like many Capital One credit cards, the Journey® Student Rewards from Capital One® gives cardholders access to an increased credit line after making their first five monthly payments on time.

Plus, the Journey® Student Rewards from Capital One® also comes with the full range of Capital One card benefits, including the free CreditWise® monitoring app, $0 fraud liability, and customized mobile alerts.

Capital One Business Credit Cards & Requirements

Although Capital One has a wide range of consumer credit cards, the bank doesn’t skimp on offering a number of solid business credit card options, as well.

Whether you want to earn rewards on your business expenses or simply need to build business credit, Capital One has a business credit card aimed at helping your business reach its financial goals.

Capital One® Spark® Cash for Business

This card is currently not available.

Capital One® Rating

★★★★★
N/A

OVERALL RATING

N/A
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The Capital One® Spark® Cash for Business is best for businesses with big budgets that spend at least $19,000 a year, which is the point at which the extra cash back is worth the annual fee (if you spend less, try the Capital One® Spark® Cash Select for Business). The unlimited 2% cash back on every purchase means no categories to track and a straightforward redemption process.

Capital One® Spark® Miles for Business

This card is currently not available.

Capital One® Rating

★★★★★
N/A

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If your company has a lot of travel expenses and puts more than $19,000 a year on credit cards, then the Capital One® Spark® Miles for Business could be a useful addition to your business’s financial plan. Miles can be redeemed without blackout dates or brand restrictions for a statement credit or transferred to an eligible airline loyalty program.

Capital One® Spark® Cash Select for Business

This card is currently not available.

Capital One® Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
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Business owners who like unlimited cash back rewards but who don’t spend enough to make an annual fee worthwhile may like the Capital One® Spark® Cash Select for Business, which offers 1.5% cash back on every purchase with no categories or annual fee.

Capital One® Spark® Miles Select for Business

This card is currently not available.

Capital One® Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
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Companies that travel frequently, but not so much to justify an annual fee, may find the Capital One® Spark® Miles Select for Business a good way to earn flexible travel miles on every purchase. There’s no limit to the miles you can earn and miles don’t expire as long as your account remains open and in good standing.

Capital One® Spark® Classic for Business

This card is currently not available.

Capital One® Rating

★★★★★
N/A

OVERALL RATING

N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
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For businesses without extensive business credit, getting a foothold can be a challenge. The Capital One® Spark® Classic for Business was specifically developed to help businesses with fair credit obtain a credit card for the everyday financing they need.

Find the Best Capital One Card for You

With locations across the country and a growing fan base of credit card users, Capital One has certainly taken its fair share of the consumer banking and credit card market.

And the bank’s large stable of credit card offerings is likely a big part of its success. No matter what kind of credit card you need, you can likely find a Capital One credit card designed to do the job.

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