Adam McCann, Financial Writer
@adam_mcan
The best Capital One starter credit card is the Capital One Platinum Credit Card because it accepts applicants with limited credit history and reports monthly to the three major credit bureaus. This Capital One card also has an annual fee of $0.
Your goal with a starter credit card should be to build your credit score as inexpensively as possible. The Capital One Platinum is a good option for doing just that.
Capital One Starter Credit Cards
- Capital One Platinum
- Capital One QuicksilverOne
- Capital One Quicksilver Student Card
- Capital One Spark Classic
Capital One has some solid options for building credit, but you may want to compare them to other starter credit cards before applying. If nothing else, your first credit card should report to the three major credit bureaus and have a low annual fee.
If you would like more guidance, check out WalletHub’s CardAdvisor or create a WalletHub account for free, personalized credit card suggestions.
Popular Credit Cards from Capital One, Our Partner
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Rewards
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0% Intro APR
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No Annual Fee
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Building Credit
People also ask
What are the Capital One credit score requirements?
We recommend a credit score of 700 or higher (good to excellent credit) to get the best Capital One credit card offers. You can check your credit score for free here on WalletHub. If your credit score is below the threshold needed for a Capital One credit card, it’s best to wait to apply until you meet the credit score requirement.
Credit Score Recommended by Capital One Card
- Capital One Venture X Rewards Credit Card (see details, rates & fees): 750 recommended (Excellent credit)
- Capital One VentureOne Rewards Credit Card (see details, rates & fees): 700 recommended...
What is the starting credit limit for a Capital One credit card?
There is no general starting credit limit for Capital One credit cards. Your credit limit will be based on your creditworthiness once your application has been approved.
When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role. Unfortunately, there's no surefire way of knowing your credit limit before applying and getting approved for a Capital One credit card.
How to get...
read full answer by David Freeman, MemberHow can I get approved for a Capital One credit card?
You can get approved for a Capital One credit card if you are at least 18 years old, have proof of enough income to make your monthly minimum payment, and meet the specific card’s credit score requirement. Capital One will also take into account your monthly housing payment and all sources of income, amongst other factors.
If you’re unsure whether you’ll be approved, Capital One offers the possibility to check if you pre-qualify for any of their...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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