Do I need a co-signer to get the Capital One Journey card?

The Capital One Journey credit score requirement is 640 or higher for applicants who have a credit score, though you can also get approved with limited or no credit history. The credit score needed for the Journey Student Rewards from Capital One is on par with the requirements for other major student credit cards.

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 Journey 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 Journey credit score requirement. You can check your credit score for free on WalletHub.

The easiest way to apply for the Capital One Journey card is online, or by calling customer service. Alternatively, you can submit a Capital One Journey application at a Capital One branch.

Here’s how to apply for the Capital One Journey card:

• Online: To submit an online application, click on the “Apply Now” button. Usually, a decision is made instantly when you apply this way.… read full answer
• By phone: If you want to apply for the Capital One Journey card by phone, call customer service to speak to a representative.
• At a Capital One branch: You can apply for Capital One Journey by visiting your local Capital One branch during normal business hours.

Most of the time, you’ll get a decision instantly. But it could take longer if the issuer needs to verify your information. However, no matter how you apply, Capital One generally notifies applicants of the decision in writing within 7 to 10 days of receiving the application.

You can’t apply for a credit card with a cosigner. None of the top 10 credit card issuers allow cosigners on your application, though a few, like Bank of America, Capital One, and U.S. Bank, allow you to add a joint accountholder after you are approved for a credit card. Other alternatives to getting a cosigner include asking a family member to add you to their account as an … read full answerauthorized user or applying for a secured credit card.

All major credit card companies allow authorized users, most with no minimum age requirement. Authorized users can get a card attached to the account in order to make purchases. They will also build credit if the primary accountholder pays the bills on time and doesn’t max out the credit limit. But authorized users aren’t legally responsible for any payments. Adding an authorized user is simple and can usually be done online.

The other alternative to getting a credit card cosigner is applying for a lower-level credit card. Secured cards provide the highest approval odds, and some don’t even check your credit history when you apply. This is only an option if you’re at least 18 years old and have a bit of income, though.