The main Capital One credit card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also meet specific residency, income, and credit requirements. Some requirements may vary depending on the card.
Capital One Credit Card Requirements
18+ years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum card payment
bad to good credit or better
Social Security number or ITIN
Checking or savings account
If you apply for a Capital One card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
You can easily check for Capital One pre-approval online. To start, enter your name, date of birth, Social Security number and address. Then, tell Capital One what kind of card you’re looking for and click “See Your Card Offers.” Capital One will then show you which of their cards you seem to be a good fit for, based on a … read full answersoft pull of your credit. The process should take minutes at most, and it won’t affect your credit score.
You may also receive a Capital One pre approval offer by mail. In that case, all you have to do is enter the “Reservation Number” and “Access Code” here to get to the card’s application. The application will be flagged as pre-approved when Capital One reviews it.
If you don’t have an offer yet, don’t worry. Checking online is quick and easy. Just remember that pre-approval doesn’t mean guaranteed approval. It is about as close as you can get, though, considering that most people who are pre-approved get approved when they officially apply.
Here’s how to check for Capital One pre approval online:
Enter your name, date of birth, Social Security number and address.
Select the type of card that appeals to you most: travel rewards, cash back or low interest (or select “not sure”).
Rate your credit level: excellent, average or rebuilding.
Check the box that indicates you know you’re not submitting an actual credit card application.
Click “See Your Card Offers”.
After a few seconds, you should see the Capital One credit cards that you’re pre-approved for, if any. And you’ll be able to apply for one of them right away, if you wish. Capital One offers credit cards to people of all credit levels. So the odds are good that you’ll come away with at least one Capital One pre-approved credit card offer.
The Capital One Venture Rewards Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Capital One Venture Card.
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 the Capital One Venture Card, 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 Venture credit score requirement. You can check your credit score for free on WalletHub.
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.
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