What's the Capital One Venture credit score requirement?

Question

The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Citi Double Cash if you’d prefer cash back or Chase Slate 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. 2 miles per $1 on all purchases (10 miles per $1 at hotels.com/venture). No foreign transaction fees. $95 annual fee waived the first year.

For Cash Rewards – Citi Double Cash

1% cash back on all purchases, with another 1% cash back when you pay them off. Intro APR of 0% for 18 months on balance transfers (3% transfer fee). 3% foreign transaction fee. $0 annual fee.

For Balance Transfers – Chase Slate

Intro APR of 0% for 15 months on purchases and 0% for 15 months on balance transfers. $0 balance transfer fee for transfers made in the first 60 days. No rewards. 3% foreign transaction fee. $0 annual fee.

For Big-Ticket Financing – Citi Simplicity

Intro APR of 0% for 12 months on purchases and 0% for 21 months on balance transfers. 5% (min $5) balance transfer fee. No rewards. 3% foreign transaction fee. $0 annual fee.

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.

show less

Answer 1 · 2018-02-26 19:33:50

Tom Lipkis, Retired Economy Teacher

@cindercard02/26/18

Permalink Report

To satisfy the Capital One Venture credit score requirement, your score must be in the good credit range. That means you need a credit score of 660 or above, but I recommend a score of at least 700 to maximize your chances of getting approved. Even so, Venture is somewhat more attainable than a lot of other premium rewards cards, which require excellent credit. For context, the average American has a credit score of 679.

You should also keep in mind that a good credit score isn’t Capital One Venture’s only requirement. Things like how much you make and how much you owe factor in, too. That’s why it’s possible to get approved with a lower credit score or rejected with a higher one.

Here is Capital One Venture’s credit score requirement & more:

A good credit score. Shoot for 700+. You can check your latest credit score for free on WalletHub.
Some income and assets. The more money you have at your disposal, the more confident Capital One will be that you’ll pay your bills on time.
As little debt as possible. Debt calls into question your ability to pay and can lead to rejection despite a good credit score.

In some cases, the best course of action may be to spend a bit of time improving your credit score before applying for Capital One Venture. You need good credit to satisfy Venture’s minimum credit score requirement, but barely passing that test probably won’t give you great approval odds overall.

Answer 2 · 2018-03-11 23:08:56

Amy Nelson, Member

@nelsona_2203/11/18

Permalink Report

If you're in the 700 range, you should be good to go. I had 690 when I got approved, so there's some wiggle room.

What's the Capital One Venture credit score requirement?

Tom Lipkis, Retired Economy Teacher

Amy Nelson, Member

People also ask

What are the best credit cards for a 700 credit score?

What are some credit cards for a 600 credit score?

Join WalletHub