What is the Capital One VentureOne credit score requirement?

You generally need good credit (i.e., a score above 700) 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: (https://wallethub.com/free).

To meet the Capital One VentureOne credit score requirement, you must have good credit or excellent 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 VentureOne card’s credit score requirement is the same as the Capital One Venture card’s. So your choice between the two comes down to how much you spend, not how good your credit is. VentureOne has no 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 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. Your credit is unlikely to be good if you don’t already have a credit card with a $5,000+ limit.

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.

A credit score of 700+ should put you in the right spot if you decide to apply for the Capital One Venture.