Capital One Venture approval odds are highest for applicants with a credit score above 700. The higher a person’s credit score, the better chances they have of being approved. In addition, Capital One will consider an applicant’s annual income, monthly housing payment, amount of debt in relation to income, and other factors when making a decision.
If you’re not sure you qualify, you can assess your Capital One Venture approval odds before you apply. Check your pre-approval status by using the tool on the Capital One website. If you’re pre-approved, it means there’s a strong likelihood that you’d be approved if you apply.
Two-thirds of Capital One’s credit card customers have credit scores above 660, per Cap 1’s annual report. That’s for all cards, too, including the secured and starter cards that Capital One offers. You can bet the number is a lot higher for Capital One’s top cards like Venture.
The Fingerhut Credit Account is the easiest unsecured card to get approved for. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So, while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.
The best pre-approved credit cards are really just the top cards that you can see if you pre-qualify for before actually submitting an application. And you can’t check to see if you pre-qualify for one card in particular, at least not directly. Rather, a credit card company will tell you which of its cards you’re pre-approved for. If that happens to include the card you’re targeting, you’ll know your odds of being approved are … read full answerextremely high, should you decide to apply. If your chosen card isn’t listed, there’s still a chance you could get approved, but it’s not a good sign.
Checking for pre-approval is definitely a good idea. It lets you gauge your chances of success before risking a hard pull on your credit. And the better your credit is, the better the credit cards you pre-qualify for will be, too. Your odds of actually getting approved when you apply will also be higher.
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