Yes, you can get the Capital One QuicksilverOne card with limited credit (less than 3 years of credit history). Capital One QuicksilverOne offers 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. It does charge a $39 annual fee, but its cash back rewards have the potential to offset this cost.
Keep in mind that even with limited credit, there will be several other factors that determine whether you’re approved or not for the Capital One QuicksilverOne card. These include your income, housing payments, debts, any unresolved bankruptcies and your overall ability to make credit card payments.
You can also check to see if you’re pre-approved for Capital One QuicksilverOne on Capital One’s dedicated web page. After filling out the form, you can see any eligible Capital One credit card offers that you’re pre-approved for and choose the best one for you. Pre-approval only triggers a soft inquiry on your credit report, so your credit score will not be affected. Just keep in mind that pre-approval indicates good odds of approval, but it doesn’t guarantee it.
Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One QuicksilverOne Cash Rewards Credit Card credit score requiremet is 640 or higher. The Capital One QuicksilverOne Cash Rewards Credit Card is also available to people with limited credit history, so you may be able to get approved even if you don’t have a credit score yet
In addition, you should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for Capital One QuicksilverOne, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Capital One QuicksilverOne credit score requirement. You can check your credit score for free on WalletHub.
You can check for Capital One QuicksilverOne credit card pre-approval online.
Capital One has a pre-approval tool that allows potential applicants to gauge their approval odds before submitting an application. From the Capital One credit cards page, click the “See if You’re Pre-Qualified” link. Then, complete the electronic questionnaire and press the green “See Your Card Offers” button.… read full answer
The pre-approval tool isn’t just for the Capital One QuicksilverOne, so the search results will turn up all Capital One cards for which you have high odds of approval. These results are based on the questionnaire and an initial credit review.
The pre-approval process has no effect on your credit. But if you submit an application afterward, Capital One will need your permission to pull your full credit report. This “hard inquiry” will reduce your credit score by a few points, but only temporarily.
When you compare Capital One Platinum Credit Card vs. Capital One QuicksilverOne for no credit, the main differences are that Capital One QuicksilverOne gives 1.5% cash back on all purchases and has a $39 annual fee. On the other hand, Capital One Platinum does not offer rewards and has a $0 annual fee. Other than that, Capital One QuicksilverOne vs. Capital One Platinum is a draw. Both cards are for people with limited. And both cards charge $0 foreign transaction fees.… read full answer
Capital One Platinum and Capital One QuicksilverOne are both great starter credit cards. They’re designed to help people with limited or no credit experience to build good credit scores inexpensively. Which of the two will be better for you depends on how much you plan to spend. Capital One QuicksilverOne is better if you plan to charge at least $2,600 a year ($216.67 per month) because that’s when the rewards will cover the cost of the annual fee. Capital One Platinum is preferable otherwise.
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