The Capital One VentureOne credit score requirement is 700+; this means that you need at least good credit to be eligible for approval.
But issuers take far more than just an applicant’s credit score into account when making approval decisions; they consider your overall financial picture, including your income and existing debt obligations, so your credit rating can only be used as a guideline. If you’d like to see where your credit stands, and thus get a rough sense for your odds of approval, you can check your credit score for free on WalletHub.
To meet the Capital One VentureOne credit score requirement, you must have at least good credit. That means a Capital One VentureOne applicant’s credit score must be 700 or higher for a reasonable chance at approval. You’ll also need a stable income and not too much debt. The Capital One VentureOne’s credit score requirement is the same as the Capital One Venture Rewards Credit Card’s. So, your choice between the two comes down to how much you spend, not how good your credit is. Capital One VentureOne has a $0 annual fee but offers less attractive rewards.
Whichever Venture card you decide to apply for, you’ll need more than a good credit score to get approved. Capital One takes a number of other things into consideration.
Here are the Capital One VentureOne credit score and approval requirements:
Good credit. A 700+ credit score should give you good odds. The higher your score, the better.
Solid income. The card has a $5,000 minimum credit line. You need to prove you can afford to use it.
No bankruptcy or default. Capital One says most Capital One VentureOne cardholders have never declared bankruptcy or defaulted on a loan.
No late payments. For best chances, you should not have been more than 60 days late on any credit card, medical bill or loan in the past year.
3-5 year credit history. How long you’ve been using loans and lines of credit is important to the predictiveness of a credit score.
Capital One says that the bankruptcy, late payment, and open credit requirements are just “guidelines” to help you see if you’d be a good fit. But it’s good to know what will be taken into account when looking at your application. You can be sure Capital One will look at your debts and recently opened accounts, too.
The best credit card for a 700 credit score could be the Capital One Venture Rewards Credit Card if you’re eager to earn travel rewards, Blue Cash Preferred if you’d prefer cash back or Wells Fargo Platinum card 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
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.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.… read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
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