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There 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 relatively 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.
Capital One Credit Cards for Excellent Credit Scores (740+ FICO)
Excellent credit is generally defined as a FICO Score of 800 or higher. But there’s a gray area in the FICO Score scale defined as “Very Good” credit, which is a credit score of 740-800. When your credit reaches the 740-mark, most credit cards become available to you, pending other important criteria such as your income.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
The Capital One Venture X Rewards Credit Card is Capital One’s card in the premium travel card market, competing with cards like the Chase Sapphire Reserve. This card offers premium perks like annual travel credits and travel insurance.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
One of the first travel rewards credit cards to provide blackout-free redemption, the Capital One Venture Rewards Credit Card earns miles on every purchase and offers a solid signup bonus worth hundreds of dollars in free travel.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
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 flat-rate miles on every purchase.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
For those consumers who don’t travel enough to make miles worthwhile, the Capital One Quicksilver Cash Rewards Credit Card offers cash back on every purchase with no annual fee or categories to track.
Capital One Credit Cards for Good Credit Scores (670-739 FICO)
Although the definition of “good” credit can vary by scoring model and lender, if your credit score is around 700, you’ll likely qualify for most products for consumers with good credit.
Of course, a FICO score slightly below 670 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 may be eligible.
Capital One Quicksilver Cash Rewards for Good Credit
4.7/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
The Capital One Quicksilver Cash Rewards for Good Credit is the little sibling to the Capital One Quicksilver Cash Rewards Credit Card for excellent or near-excellent credit. Both offer identical rewards, but this card doesn’t offer a signup bonus or introductory APRs.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
The Capital One VentureOne Rewards for Good Credit offers the same rewards as its VentureOne sibling above, but it doesn’t offer the signup bonus or intro APRs. Try to qualify for the VentureOne for Good/Excellent credit before applying for this card to see if you can land the extra perks, but this is still a solid option regardless.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards
Cash back won't expire for the life of the account and there's no limit to how much you can earn
No foreign transaction fee
No annual fee
You're covered by $0 Fraud Liability for unauthorized charges
If your credit score is in the higher 600 range, the Capital One Savor Cash Rewards for Good Credit card is a solid addition to any foodie’s wallet. It’s a tiered rewards card so not all purchases will earn the same rate of cash back, but dining purchases and travel purchased in Capital One Travel pay the highest rate.
Capital One Credit Cards for Fair Credit Scores (580-639 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.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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 six payments on time can get access to a credit limit increase.
Capital One QuicksilverOne Cash Rewards Credit Card
4.5/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
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 cash back rewards on every purchase and access to an increased credit limit after making your first six payments on time.
Capital One Credit Cards for Bad Credit (Below 580 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 one of the following two cards.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
While all Capital One Platinum Secured Credit Card 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. The deposit 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 Platinum Secured Credit Card 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 Quicksilver Secured Cash Rewards Credit Card
4.0/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
The Capital One Quicksilver Secured Cash Rewards Credit Card works just like the secured card above in that a cash deposit is required to open the account. But your account activity, including your balance and payments, will be reported to the bureaus to help you improve your credit standing.
You’ll earn cash back rewards for every purchase you make, but be sure to pay your balance in full each month so the interest rate doesn’t eat away at your rewards earnings.
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.
Capital One Quicksilver Student Cash Rewards Credit Card
4.6/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Capital One Savor Student Cash Rewards Credit Card
4.6/5.0
About this rating
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Early Spend Bonus: For a limited-time, earn $100 when you spend $300 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Build your credit with responsible card use
Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
This is the student card for foodies and streamers, as it provides the most cash back rewards for purchases made in those two categories and at grocery stores.
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.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
The Capital One Spark Cash Select is best for businesses that want to earn unlimited cash back on every purchase with no categories to track and a straightforward redemption process.
Capital One Spark Cash Select for Good Credit
This card is currently not available.
Capital One® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)N/A
Intro (Transfers)N/A
Regular APRN/A
Annual FeeN/A
Credit NeededN/A
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 Good Credit, which offers cash back on every purchase with no categories or annual fee.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
$95 annual fee
Free employee cards which also earn unlimited 2X miles from their purchases
If your company has a lot of travel expenses and puts more than $19,000 a year on credit cards, then the Capital One Venture 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 Plus
This card is currently not available.
Capital One® Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)N/A
Intro (Transfers)N/A
Regular APRN/A
Annual FeeN/A
Credit NeededN/A
Additional Disclosure: Information for this card not reviewed by or provided by Capital One.
This card is for companies with big budgets that can foot the annual fee and still come out ahead in purchase rewards. Companies that spend more than $200,000 annually will earn a $200 cash bonus.
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.
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
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