Paddy Sullivan, WalletHub Credit Card Advisor
@PaddySully
The credit score that you need 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.
Other Capital One Platinum Approval Requirements
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, right here on WalletHub.

Capital One Platinum Credit Card
Topaz, Member
@topazw
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.
mirby24, Member
@mirby24
I got approved with a 604 FICO score. I actually owe Capital One. I was shocked that I was approved.
People also ask
Michael, Member
@Mrmikeymoo
My FICO score was 550 at time of approval.
However I had no debt, except student loans. Debt was all paid off 1 month before application, and total debt was under $5,000.
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