What Are the Capital One Credit Score Requirements for 2018?

What Are the Capital One Credit Score Requirements for 2018?

credit card advice

Ashley Dull
By: Ashley Dull
Posted: July 4, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

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

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $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
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

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, 10X miles per dollar at hotels.com/venture, and a solid signup bonus worth hundreds of dollars in free travel.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.74% - 23.74% (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 unlimited 1.25X miles per dollar on every purchase plus 10X miles per dollar at hotels.com/venture.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $150 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
  • 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 for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.74% - 24.74% (Variable)
$0
Excellent, Good

For those consumers who don’t travel enough to make miles worthwhile, the Capital One® Quicksilver® Card – 0% Intro APR for 15 Months offers unlimited 1.5% cash back on every purchase with no annual fee or categories to track.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • 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 for 15 months; 16.24%-24.99% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-24.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
16.24% - 24.99% (Variable)
$0
Excellent, Good

While unlimited flat-rate rewards are an easy way to save, the Capital One® Savor® Cash Rewards Credit Card can help cardholders maximize their earnings by offering bonus cash back rewards on dining and grocery store purchases, all with no annual fee.

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

★★★★
3.6

OVERALL RATING

3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (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 five 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
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (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 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.

EXPERT'S RATING

★★★★
4.0

OVERALL RATING

4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad

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.

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 no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited

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.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

4.8/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
18.74% (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.

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, 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 for Business, which offers 1.5% cash back on every purchase with no categories or annual fee.

EXPERT'S RATING

★★★★★
4.7

OVERALL RATING

4.8/5.0
  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

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.

EXPERT'S RATING

★★★★★
4.5

OVERALL RATING

4.5/5.0
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited

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.