What are the Capital One credit card requirements?

This question is about Capital One Credit Cards

ELIJAH NASH, Annuity Wholesaler

@EliEliO 07/03/19

Capital One’s credit card requirements state that you must be at least 18 years old with a valid Social Security number and monthly income that exceeds your rent or mortgage payments by at least $425. Applicants also must have a physical address (not a P.O. Box) in the United States. If you’re under 21, you’ll be asked to show proof of your ability to independently make monthly credit card payments.

In addition, all applicants must provide an estimated annual income and the sources of that income. This could include salary and wages earned from a full-time or part-time job. Or, it could be self-employment income, interest, dividends, or disability/retirement benefits, among other sources.

Capital One also sets minimum credit requirements for each of its cards. The Quicksilver, Savor, SavorOne, Venture and VentureOne cards are among those that require at least a good credit score (700+). But you can qualify for the Platinum, QuicksilverOne and Journey Student Rewards cards with no credit history. The Capital One Secured Mastercard is designed for people with bad credit (score below 640).

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People also ask

What's the Capital One Venture credit score requirement?

The Capital One Venture Rewards Credit Card has an at least “good” credit score as a requirement. Card applicants with slightly lower scores might be able to get approved, depending on factors such as disposable income, but a “good” or “excellent” credit score is needed for the best approval odds. Even so, this card should be a bit easier to get than a lot of other premium rewards cards, most of which require excellent credit.… read full answer

Keep in mind that the Capital One Venture Rewards Credit Card credit score requirement isn’t the only pre-requisite for approval. Things like how much you make and how much you owe are important, too. That’s why it’s possible to get approved with a lower credit score or rejected with a higher one.

Capital One Venture Minimum Credit Score & Other Requirements:

Good credit score

18+ years old

Enough income and assets to afford monthly bill payments

As little debt as possible

U.S. mailing address

Social Security Number or Individual Taxpayer Identification Number

In some cases, the best course of action may be to spend a bit of time improving your credit score before applying for the Capital One Venture Rewards Credit Card. You need good credit to satisfy the card’s credit score requirement. But barely passing that test probably won’t give you great approval odds overall.

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What's the easiest unsecured credit card to get approved for?

The easiest unsecured card to get is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer

If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.

Easiest Unsecured Credit Card to Get Approved For

Fingerhut Credit Account: Overall

Credit One Bank® Visa® Credit Card: Rewards

Capital One® Spark® Classic for Business: Small Business

Petal® 2 Visa® Credit Card: Limited Credit

Deserve® EDU Mastercard for Students: Students

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.

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