What credit score do you need for Capital One Platinum?

Question

The best credit card for a 700 credit score is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the market’s highest cash back earning rates that won’t fluctuate by spending category. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months and a $0 annual fee.

In general, you 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.

Best Credit Cards for 700 Credit Score

Best Overall: Wells Fargo Active Cash® Card
Best for Travel Rewards: Chase Sapphire Preferred® Card
Best for 0% APR: Wells Fargo Reflect® Card
Best for Everyday Purchases: Blue Cash Preferred® Card from American Express
Best for Hotel Rewards: The World of Hyatt Credit Card
Best for Airline Rewards: Southwest Rapid Rewards® Priority Credit Card

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.

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Answer 1 · 2021-10-06 09:13:58

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Carrey Mule, Member

@carreymule • 10/06/21 This answer was first published on 07/08/21 and it was last updated on 10/06/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The credit score needed for the Capital One Platinum Credit Card is at least 640. The Capital One Platinum Credit Card is also available to people with limited credit history, which means you may be able to get approved even without a credit score.

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

Answer 2 · 2022-02-05 13:55:48

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Topaz, Member

@topazw • 02/05/22 This answer was first published on 02/05/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Your credit score definitely does not have to be in the 600's.. I promise you that my credit score was 511 when I got approved for a $300 unsecured Capital One Platinum Card. My card will be arriving sometime next week.

Answer 3 · 2022-06-06 06:56:05

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mirby24, Member

@mirby24 • 06/06/22 This answer was first published on 06/06/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I got approved with a 604 FICO score. I actually owe Capital One. I was shocked that I was approved.

What credit score do you need for Capital One Platinum?

Carrey Mule, Member

Capital One Platinum Credit Card

Topaz, Member

mirby24, Member

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