The best Capital One starter card is the Capital One Platinum Credit Card because it has a $0 annual fee, gives a $300+ credit limit with no deposit required, and is available to people with limited or no credit history. Plus, cardholders become eligible for a credit limit increase after as little as 6 months.
That’s not the only option, though. Capital One is a rare credit card company with several good starter credit cards. They include a starter credit card for students with no credit, a rewards card for newcomers, a business credit card for no credit, and even a fresh start card for people with damaged credit. Which you choose really depends on who you are and how much you plan to spend.
For people with no credit who expect to spend at least $2,600 per year, the QuicksilverOne Card is the best starter credit card Capital One has to offer. It gives 1.5% cash back on all purchases, with no earning limit, but charges a $39 annual fee. And folks looking for a fresh start might want to begin with the Capital One Secured Mastercard for high approval odds. It requires a $49, $99 or $200 deposit but guarantees a $200 credit limit.
Here are the best Capital One starter cards:
- Capital One Platinum Credit Card. $0 annual fee. Available to people with limited or no credit.
- Capital One QuicksilverOne. $39 annual fee. 1.5% cash back on all purchases. Available to people with limited or no credit.
- Capital One Secured Mastercard. $0 annual fee. $49, $99 or $200 deposit required, but $200 minimum credit limit guaranteed. Available to people with bad, limited or no credit.
- Journey Student Rewards from Capital One. $0 annual fee. 1% cash back on all purchases or 1.25% for paying on time. Available to students with limited or no credit.
- Capital One Spark Classic for Business. $0 annual fee. 1% cash back on all purchases. Available to business owners with limited or no credit.
One great quality that all Capital One starter cards share is $0 foreign transaction fees. No Capital One credit cards charge them. So you won’t have to pay extra when buying from foreign-based merchants. All Capital One starter cards also offer $0 balance transfer fees, though they do not have any kind of introductory 0% APR on balance transfers.
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