How Do I Get a $10,000 Capital One Credit Card? (2024)

FAQs

How Do I Get a $10,000 Capital One Credit Card? ›

You can get a Capital One Quicksilver credit limit of $10,000 if your credit score and overall creditworthiness are good enough. You will need at least good credit (a credit score of 700+). But the higher your credit score is, the better are your chances of getting a $10,000 credit limit.

To get a $10,000 credit limit on a Capital One credit card, you will need to apply for a high-end card like Capital One Venture X and meet the income requirements. Other Capital One cards may offer $10,000 starting credit limits to qualified applicants, but the odds of getting a limit that high are not as good.

You'll need to provide us with information like your total annual income, employment status and sometimes monthly mortgage or rent payment, so have that in hand. If you're applying for a credit line increase for your Spark business credit card, you'll also need to provide last year's total business revenue.

Capital One Venture Rewards Credit Card

Highest reported credit limit: $58,000, according to a member on the myFICO forums. Sign-up bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. Rewards: Earn 2 miles per dollar on every purchase.

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.

Most credit cards with limits of $10,000 or more require at least good credit - and usually, you'll need excellent credit for that kind of limit. Keep in mind that credit limits aren't decided by credit score alone. Card issuers also look at an applicant's annual income and credit history to assign a credit limit.

Capital One lets you request a credit limit increase online as often as you want, but you can only be approved once every six months. If you've received a credit limit increase or a credit limit decrease in the last six months, you won't be approved for a credit limit increase.

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. You get a lot in return, though.

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.

Exceptional (800-850): Borrowers in the exceptional credit score range are the most likely to qualify for credit and get good interest rates, according to Experian®, a major credit bureau. Very good (740-799): FICO says borrowers in this category also tend to have higher-than-average credit scores.

What's the easiest Capital One card 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.

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.

The applicant must have been employed for at least 90-days to include overtime, commission, and bonuses. From January 1 through April 15 each year, a W-2 or yearend pay stub from the prior year (in addition to the most recent pay stub) is necessary to include income other than base salary.

Capital One balance transfer cards offer credit limits up to £8,000.

The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.

A simple rule of thumb to decide if you have a good credit limit is to consider how much you regularly spend between payments. Ideally, you don't want to have your average credit card balance higher than 30% of your credit card limit.

Although your account is automatically reviewed for credit line increase eligibility, you may request a credit line increase yourself even if we haven't notified you that an offer is available. Please call Customer Service at 1-877-825-3242 for more information.