The Capital One Platinum credit score requirement is fair or higher, for people who already have an established credit history. Capital One will also consider applicants with little or no credit history for the Platinum card. People with bad credit are unlikely to qualify.
It’s important to note that Capital One Platinum’s credit score requirement isn’t the only factor involved in approval. The card’s requirements also include a steady income – at least $800 more than your monthly housing payment, for one thing. You’ll need to be at least 18 years old, too. Capital One will also consider things like your total debts, number of open credit accounts, recent credit inquiries and more. You can use Capital One’s pre-qualification tool to see which Capital One cards give you a good chance of approval.
A credit score around 650 would be nice, but they will accept applicants with absolutely no credit history, which is really cool if you want to start your credit journey with a nice bank. Fair requirements if you ask me, but make sure to check your score ahead, especially if you had negative credit report records in the past. Good luck with your application!
The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Blue Cash Preferred® Card from American Express if you’d prefer cash back or Wells Fargo Platinum if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report.… read full answer
A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.
Here are the best credit cards for 700 credit scores:
For Travel Rewards – Capital One Venture - 50,000 miles for spending $3,000 in the first 3 months or 100,000 miles for spending $20,000 in the first 12 months. 2 miles per $1 on all purchases. No foreign transaction fees. $95 annual fee.
For Balance Transfers – Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. 3% balance transfer fee for transfers made in the first 120 days (5% after). No rewards. 3% foreign transaction fee. $0 annual fee.
For Cash Back – Blue Cash Preferred® Card from American Express - Intro APR of 0% for 12 months on purchases. Earn rate of 1 - 6% cash back. 2.7% foreign transaction fee. Annual fee of $0 1st yr, $95 after.
Hotel Perks – Radisson Premier Visa Signature - 50,000 bonus points for making your first purchase, plus 35,000 points for spending $2,500 in the first 90 days. 10 points per $1 spent at Radisson and 5 everywhere else. 40,000 bonus points for renewing your card every year. 3% foreign transaction fee. $75 annual fee.
As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So you can pick up some great perks without having to shell out money for the privilege of having a card.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance. … read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
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