Joseph Bulebush, WalletHub Analyst
@joeybule
The best Capital One credit card for rebuilding credit is the Capital One Quicksilver Secured Cash Rewards Credit Card because it has a $0 annual fee and offers at least 1.5% cash back on every purchase. You need to put down a deposit of $200+, which acts as your credit limit.
Best Capital One Cards for Rebuilding Credit
Ongoing Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases
Annual Fee: $0
Credit Score: Bad
Minimum Deposit Required: $200
Ongoing Rewards: N/A
Annual Fee: $0
Credit Score: Bad
Minimum Deposit Required: $49, $99 or $200
How Capital One Cards Can Help You Rebuild Credit
Both the Capital One Quicksilver Secured Card and the Capital One Platinum Secured Card are available to people with bad credit and report to all 3 major credit bureaus (Experian, Equifax, and TransUnion) on a monthly basis. That means either card will help you rebuild your credit if you use it responsibly.
If you’re not a loyal Capital One customer, you can also check out our editors’ complete picks for the best credit cards to rebuild credit and weigh your options.
Popular Credit Cards from Capital One, Our Partner
-
Rewards
-
0% Intro APR
-
No Annual Fee
-
Building Credit
People also ask
What is the best secured credit card to rebuild credit with?
The best secured credit card to rebuild credit with is the U.S. Bank Cash+® Visa® Secured Card because it has a $0 annual fee, reports to the credit bureaus, and gives 1 - 5% cash back on purchases. The minimum deposit is $300, and the amount you put down will act as your credit limit.
Another good option is the opensky® Plus Secured Visa® Credit Card. It doesn’t even require a credit check when you apply, which makes it great for rebuilding really bad credit.
Some of the Best Secured...
read full answer by John S Kiernan, Managing EditorWhat's the easiest unsecured credit card to get approved for?
Some of the easiest unsecured credit cards to get are the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. You can apply for the OneMain Financial BrightWay® Card with bad credit, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) accept people with no credit history.
Easiest Unsecured Credit Cards to Get
Alternatives to unsecured credit cards for bad credit
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need...
read full answer by WalletHub, Financial CompanyCan you convert the Capital One Platinum Secured Card to unsecured?
You cannot ask for a Capital One secured to unsecured graduation, but graduation is definitely possible. The first option when it comes to graduating is the Capital One Platinum, which is a reasonable no-annual fee credit card.
So hang in there, and keep making those payments!
read full answer by Carl Blake, MemberDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.