What credit score do you need for the Capital One Platinum card?

Your Capital One Platinum Credit Card approval odds are good if you have at least fair credit (a credit score of 640+) or a limited history (less than 3 years of credit history).

If you don't meet these requirements, we advise you to choose a secured credit card, as you are more likely to get approved. You can compare secured credit cards ... read full answerhere​​​​​​​.

You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.... read full answer

Capital One Credit Score Requirements by Card

• Capital One Venture Rewards Credit Card: 700 (Good credit)
• Capital One VentureOne Rewards Credit Card: 700 (Good credit)
• Capital One Quicksilver Cash Rewards Credit Card: 700+ (Good credit)
• Capital One SavorOne Cash Rewards Credit Card: 700+ (Good)
• Capital One Venture X Rewards Credit Card: 750+ (Excellent)
• Capital One Platinum Credit Card: less than 3 years of credit history (Limited History credit)
• Capital One Platinum Secured Credit Card: 300+ (Bad credit)
• Capital One QuicksilverOne Cash Rewards Credit Card: less than 3 years of credit history (Limited History credit)
• Capital One Quicksilver Secured Cash Rewards Credit Card: 300+ (Bad credit)
• Capital One Savor Cash Rewards Credit Card: 700+ (Good credit)
• Journey Student Rewards from Capital One: less than 3 years of credit history (Limited History credit)

If you’re not sure which Capital One card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card on the issuer’s website. You may also want to check your credit score before you apply, just so you have a better idea of what to expect.

You should also 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 a Capital One credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.

The main Capital One Platinum requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least limited credit.

Capital One Platinum Requirements

• At least 18 years old... read full answer
• Physical U.S. address (no P.O. boxes)
• Proof of enough income to make the monthly minimum payment
• Social Security number or ITIN
• Limited History credit or better
• Checking or savings account

If you apply for the Capital One Platinum card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.