Kelly Johnson, Member
@kellyjohnson
The best way to apply for a Capital One credit card is either online, or over the phone, by calling customer service at 866-927-5831 during normal business hours. Alternatively, you can apply for a Capital One credit card by visiting your local branch.
How to Apply for a Capital One Credit Card:
- Online: Applying online is the fastest and most straightforward way. You can either do that on sites like WalletHub or through the issuer's website. Usually, a decision is made instantly when you apply online. You will need fill in a form with your personal, contact and financial information.
- Over the phone: You can also apply for a Capital One credit card over the phone by calling their customer service at 866-927-5831. When prompted, just say that you want to apply for a credit card and you will be connected to a representative.
- At a branch: Another way to apply for a Capital One credit card is at a Capital One branch. Download their mobile app or use this locator to find the nearest one.
To explore your options, take a look at the Capital One credit cards currently available to find the best fit for your needs.
Popular Credit Cards from Capital One, Our Partner
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Rewards
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0% Intro APR
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No Annual Fee
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Building Credit
People also ask
When does Capital One report to credit bureaus?
Capital One reports to the credit bureaus once each month, within days after the end of your monthly billing period. Capital One reports a credit card’s credit limit, account balance, payment history, and more to TransUnion, Equifax, and Experian.
After Capital One reports your account information to the credit bureaus each month, it may take a few days before the updates appear on your credit report. When you first open a new Capital One...
read full answer by Mary Lanes, MemberWhat are the Capital One credit score requirements?
We recommend a credit score of 700 or higher (good to excellent credit) to get the best Capital One credit card offers. You can check your credit score for free here on WalletHub. If your credit score is below the threshold needed for a Capital One credit card, it’s best to wait to apply until you meet the credit score requirement.
Credit Score Recommended by Capital One Card
- Capital One Venture X Rewards Credit Card (see details, rates & fees): 750 recommended (Excellent credit)
- Capital One VentureOne Rewards Credit Card (see details, rates & fees): 700 recommended...
Does Capital One do a hard pull?
Yes, Capital One does a hard inquiry on your credit report whenever you apply for one of its credit cards. A hard inquiry usually results in a 5-10 point decrease in your credit score, but it’s easy to recover from this after a few months of responsible credit use. The hard inquiry allows Capital One to determine your credit risk and ultimately decide whether you’ll be approved for an account.
The exact credit score you’ll...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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