Capital One Quicksilver requires a “good” credit score of 700 or higher for approval. Capital One also considers applicants’ income and debt when making Quicksilver card approval decisions. With a $0 annual fee, unlimited 1.5% cash back on every purchase and a $150 signup bonus, Quicksilver is an excellent rewards card.
If you don’t meet Capital One Quicksilver’s credit score requirements, the Capital One QuicksilverOne card is easier to get. QuicksilverOne has the same 1.5% cash back rate as Quicksilver, but with no signup bonus and a $39 annual fee. Applicants with limited credit have a shot at approval, though. And if you get the QuicksilverOne card, you can easily upgrade to Quicksilver once your score is higher.
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.
The isn't really an official Capital One Quicksilver credit score requirement. They keep that secret. However, a score of 700+ should put you in the safe zone.
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