The Capital One Journey credit card age requirement is to be at least 18 years old. That, by the way, is the case with all credit cards.
In addition to the age requirement, you must be a U.S. resident and you'll need to show that you have either your own independent or shared income to qualify. Additionally, Capital One Journey accepts people with limited credit (less than 3 years of credit history).
Lastly, it is worth noting that you don’t need to be a student to qualify for this card.
You can get approved for a Capital One credit card if you are at least 18 years old, have proof of enough income to make your monthly minimum payment, and meet the specific card’s credit score requirement. Capital One will also take into account your monthly housing payment, all sources of income, and other factors.… read full answer
If you’re unsure whether you’ll be approved, Capital One offers the possibility to check if you pre-qualify for some of their cards. This way, you can better assess your approval odds before you apply. Pre-qualification is quick and it’s done using a soft inquiry, so there’s no effect on your credit score.
How to Get Approved for a Capital One Credit Card
Meet the General Requirements. You must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification Number (ITIN) in order to apply. You will also need to provide your birthdate and a physical U.S. address (no P.O. boxes).
Report a Sufficient Annual Income. Your application must include your annual income, the sources of that income, and your bank account information. Capital One requires a monthly income that’s at least $425 more than your monthly housing payment.
Know Your Credit Score Before You Apply. Some Capital One cards require good credit for approval, which means a credit score of at least 700. Capital One also offers a number of credit cards for people with credit scores below 700. You can check your credit score for free on WalletHub.
Make Sure Bankruptcies Have Been Discharged. Capital One will reject your application if you have an unresolved bankruptcy on your credit report.
Check Your Capital One Account and Application History. Your application will be denied if you’ve submitted a Capital One credit card application twice or more in the past 30 days. The same is true if you have five or more Capital One credit cards, or if you’re past-due or over your credit limit on any of those accounts.
If you are unable to get approved for a Capital One credit card, consider becoming an authorized user on someone else’s credit card account. As an authorized user, you will receive your own card, linked to the primary cardholder’s account, and you can build your credit history while the primary cardholder assumes responsibility for all charges on the account.
Your Capital One Journey approval odds are pretty good, if you have at least fair (640+) credit. But this card also accepts applicants with limited credit (less than 3 years of credit history).
Having said that, it is also worth mentioning that your credit score is not the only thing Capital One will take into account while considering your application. For instance, your credit history, income and any debts you might have are also factors that determine your approval odds.… read full answer
The Capital One Journey card is available to people with limited credit. That means you do not need to have a credit score to get approved for the Journey Student Rewards from Capital One 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 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.
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