There is no official Capital One Journey income requirement, but an income is a must in order to get this card.
Having said that, it is also worth noting that this card accepts applicants with limited credit. This means that you can be approved even if you have less than 3 years of credit history. If this isn’t your case, you will need a 640+ credit score, i.e., fair credit, to qualify.
Apart from your credit score and income, the issuer will also take various other factors into consideration, like your credit history and any debts you might have.
You could be instantly approved for a Capital One Journey credit card if you apply online.
However, Capital One may need longer to verify your information and decide whether you’re creditworthy enough for the card. If you don’t get a decision right away, you can usually expect to hear back within 7-10 business days.… read full answer
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.… read full answer
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.
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.
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