The Ultimate Guide to Credit Cards
Tuesday, October 4, 2022

What Are the Capital One Credit Score Requirements?

Capital One Credit Score Requirements

credit card advice

Ashley Dull

Written by: Ashley Dull

Ashley Dull

With more than a decade of experience as a content manager and marketer, Ashley has specialized in finance coverage since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media campaigns. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among others.

See full bio »

Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct instructor at the University of Florida. Today, she edits all CardRates content for clarity, accuracy, and reader engagement.

See full bio »
Advertiser Disclosure

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 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.

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.99% - 26.99% (Variable)
$95
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (Variable)
$0
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
17.99% - 27.99% (Variable)
$0
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
19.99% - 26.99% (Variable)
$395
Excellent

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 lounge access, annual travel credits, and travel insurance.

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.

EXPERT'S RATING

★★★★
4.3

OVERALL RATING

4.0/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Average, Fair, Limited

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.

EXPERT'S RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$39
Average, Fair, Limited

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 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 one of the following two cards.

EXPERT'S RATING

★★★★
4.0

OVERALL RATING

4.0/5.0
  • 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 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Limited, Bad

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.

EXPERT'S RATING

★★★★
4.0

OVERALL RATING

4.0/5.0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Limited, Bad

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.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 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
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (Variable)
$0
Average, Fair, Limited

This card is just like the other Quicksilver cards on this list, but it’s available to students who are new to credit.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.6/5.0
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Limited Time Offer: Earn $100 when you spend $100 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
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% - 27.99% (Variable)
$0
Average, Fair, Limited

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.

EXPERT'S RATING

★★★★★
4.5

OVERALL RATING

4.2/5.0
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
28.49% (Variable)
$0
Average, Fair, Limited

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.

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 six monthly payments on time. Plus, it 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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 22.24% (Variable)
$0
Excellent

The Capital One Spark Cash Select – $500 Cash Bonus is best for businesses that want to earn unlimited cash back on every purchase with no categories to track and a straightforward redemption process.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.7/5.0
  • 0% Intro APR for the first 12 months; 18.99% - 26.99% variable APR after that
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
18.99% - 26.99% (Variable)
$0
Good

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 – 0% Intro APR for 12 Months, which offers cash back on every purchase with no categories or annual fee.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 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
  • 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
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.6

OVERALL RATING

4.6/5.0
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
$150
Excellent, Good

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.