Chip Lupo, Credit Card Writer
@CLoop
Capital One credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a Capital One credit card.
Some Capital One cards may give you higher approval odds than others, though, depending on your credit score. Applicants who choose the right offer can get approved with fair, bad, or limited credit.
Credit Requirements for Good Capital One Credit Card Approval Odds
- Capital One Spark Cash Plus: Excellent credit or better
- Capital One Venture X Rewards Credit Card: Excellent credit or better
- Capital One Venture Rewards Credit Card: Good credit or better
- Capital One QuicksilverOne Cash Rewards Credit Card: Limited History credit or better
While credit scores are very important, Capital One credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Capital One will also look at your monthly housing costs and existing debts when considering your application.
If you want to get a better sense of your approval odds before applying for a Capital One credit card, you can always check to see if you’re pre-qualified for any offers on the Capital One website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
Popular Credit Cards from Capital One, Our Partner
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Building Credit
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