What's the best Capital One first time credit card?

The best Capital One first time credit card is the Capital One Platinum Credit Card because it has a $0 annual fee and is available to people with no credit history. This card comes with a $300+ credit limit and offers the opportunity for a higher credit limit after making the first five monthly payments on time.

The Capital One QuicksilverOne Cash Rewards Credit Card is Capital One’s first time credit card for rewards, giving 1.5% cash back on all purchases. But it comes with a $39 annual fee. For students, there’s the Journey Student Rewards from Capital One, which has $0 annual fee and gives 1 - 1.25% cash back on all purchases. Your earnings rate increases to 1.25% for every month that you pay your bill on time.

Another Capital One first time credit card option is the Secured Mastercard® from Capital One. It’s also designed to help people establish credit. It reports to the credit bureaus just like an unsecured credit card, except that you’ll have to pay a refundable security deposit to open the account. You’re guaranteed a starting credit limit of $200 with an initial deposit as low as $49, depending on your creditworthiness.

Here are the best Capital One first time credit cards:

• Best Capital One first time credit card for no annual fee: Capital One Platinum Credit Card. $0 annual fee. $300 minimum starting credit limit. 26.99% (V) regular APR.
• Best Capital One first time credit card for rewards: Capital One QuicksilverOne Cash Rewards Credit Card. $39 annual fee. 1.5% cash back on all purchases. $300 minimum starting credit limit. 26.99% (V) regular APR.
• Best Capital One first time credit card for students: Journey Student Rewards from Capital One. $0 annual fee. 1 - 1.25% cash back on all purchases (1.25% for each month you pay your bill on time). $300 minimum starting credit limit. 26.99% (V) regular APR.
• Best Capital One first time credit card for credit building: Secured Mastercard® from Capital One. $0 annual fee. $200 minimum initial credit limit with security deposit of $49, $99 or $200, based on creditworthiness. $1,000 maximum deposit. 26.99% (V) regular APR.

When you’re a first-time credit card user, you normally have no credit history. A Capital One first time credit card is ideal for helping you establish that credit.If you make your first five monthly payments on time, you’ll have an opportunity for a credit limit increase. And each month you’ll work toward building a strong credit profile. In time, you’ll qualify for some of the best Capital One credit cards with lower interest rates, higher credit limits, and better rewards and benefits.