Rodney Bennett, WalletHub Analyst
@rodneyben
One of the best Capital One credit cards to build credit with is the Capital One Platinum Credit Card because it is available to people with limited credit and has a $0 annual fee. Capital One Platinum also reports to the three major credit bureaus monthly, just like all other Capital One credit cards. The only real downside is that Capital One Platinum does not offer rewards (see details, rates & fees).
Best Capital One Credit Cards to Build Credit With
Initial Bonus: N/A
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Annual Fee: $39
Credit Score: Limited History
Initial Bonus: N/A
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases
Annual Fee: $0
Credit Score: Bad
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Bad
Initial Bonus: $50 for spending $100 in the first 3 months
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases)
Annual Fee: $0
Credit Score: Limited History
Keep in mind that in order to make sure you build good credit with your card, you will have to use it responsibly. The most important things to do are to always pay the bill on time and to utilize less than 30% of your card’s credit limit.
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
Does Capital One help build credit?
Yes, Capital One credit cards help build credit if you pay your bill on time each month and use your card responsibly. Capital One reports your account information each month to all three major credit bureaus, and your credit score is based on the contents of your credit reports.
How to Build Credit with a Capital One Credit Card
- Keep your credit utilization low. It’s good to keep your balance below 30% of your credit limit...
How long does it take to build credit with a secured credit card?
You can start building credit with a secured credit card in as little as one to six months, but it can take many months or even years to build a consistently good or excellent credit score. The length of time also depends on whether you’re building credit from nothing or rebuilding damaged credit.
Providing an accurate estimate of how long it takes to build credit with a secured credit card can be challenging without considering individual...
read full answer by WalletHub, Financial CompanyWhat 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...
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