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FAQs
The Capital One Platinum Secured Credit Card may be a good option for those rebuilding credit. And as you explore your credit card options, consider getting pre-approved. Doing so won't damage your credit score, and you'll be able to get a clearer sense of which cards you may qualify for.
Which Capital One card is easiest to get approved for? ›
The Capital One Platinum Secured Credit Card and the Capital One Quicksilver Secured Cash Rewards Credit Card are the easiest Captal One credit cards to get. Both cards are available to applicants with bad credit and require a refundable security deposit, making them easy to get approved for.
What is the minimum credit score for a Capital One card? ›
There is no published minimum, but anecdotal reports are that you may be able to be approved for a secured card with a credit score as low as 300. You will generally need a very good to excellent score, normally 740 or above, to be approved for Capital One's best credit cards.
Can I get a Capital One credit card with a 550 credit score? ›
It is easy to get some Capital One credit cards because there are options for people with bad credit or better. For example, you can get approved for the Capital One Quicksilver Secured Cash Rewards Credit Card with a bad credit score or with limited credit history.
What credit card has a $5000 limit with bad credit? ›
The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.
What is the easiest card to get with bad credit? ›
Easiest credit cards to get approved for
- Best for no credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
- Best for cash back: U.S. Bank Cash+® Visa® Secured Card.
- Best for small businesses: Bank of America Business Advantage Unlimited Cash Rewards Secured credit card.
- Best for Chase customers: Chase Freedom Rise℠
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
What is the income requirement for Capital One Quicksilver? ›
Your monthly income needs to be at least $425 more than your monthly rent or mortgage payment to get the Capital One Quicksilver Cash Rewards for Good Credit card, according to Capital One. The higher your income is above the minimum, the more likely you are to be approved.
Why is it so hard to get approved for Capital One credit card? ›
Some Capital One credit cards are hard to get because they require at least good credit, which means you need a credit score of 700+ for good approval odds. Other Capital One credit cards are easier for people with lower credit scores to get approved for, so it's important to choose wisely.
What is the starting credit limit for a Capital One credit card? ›
There is no general starting credit limit for Capital One credit cards. Your credit limit will be based on your creditworthiness once your application has been approved.
The Capital One Quicksilver (see Rates & Fees) credit score requirement is 700+, which means you need good to excellent credit to get this card.
Will Capital One deny me after pre-approval? ›
Keep in mind that pre-approval doesn't mean you're guaranteed approval for a credit card. Instead, it means the credit card issuer has done a basic review of your financial information, likely resulting in a soft credit check. But pre-approval is a good starting point and can help you narrow down your options.
Which bank approves a credit card easily? ›
Comparing the easiest cards to get
| Card Name | Annual fee | FICO score required |
|---|
| Bank of America® Unlimited Cash Rewards Secured credit card | $0 | No credit history |
| Capital One Platinum Secured Credit Card | $0 | No credit history |
| Indigo® Mastercard® | $0-$99 depending on creditworthiness | 300 to 670 |
| Capital One Platinum Credit Card | $0 | 580 to 740 |
3 more rowsJun 28, 2024
Easiest Unsecured Credit Cards to Get
- Cash Back: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- No Minimum Credit Score: Milestone® Mastercard®
- High Approval Odds: Total Visa® Card.
- No Upfront Fees: Indigo® Mastercard® for Less than Perfect Credit.
- No Checking Account Needed: Fingerhut Credit Account.
Capital One Platinum Secured card
A secured credit card can be a helpful credit-building tool when it's used responsibly over time. The Platinum Secured card is one example. It has no annual fee and no hidden fees. View important rates and disclosures.
What is the lowest credit limit for Capital One? ›
According to anecdotal reports, the card's credit limit can be as low as $750 and as high as $10,000. However, Capital One does not list a minimum or maximum credit limit in the card's terms and conditions. If you want to aim for a higher credit limit, there are a number of areas you should focus on improving.
What is the hardest to get a Capital One card? ›
Capital One Venture X Rewards Credit Card
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395.
Which card is better Quicksilver or Capital One? ›
The Quicksilver card is geared toward people with excellent credit. The Capital One Platinum Credit Card does not have rewards or bonuses, but it comes with higher odds of approval for people with fair credit. The Quicksilver card has lower interest rates than the Platinum card.
