What is the Capital One VentureOne 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, Blue Cash Preferred® Card from American Express if you’d prefer cash back or Wells Fargo Platinum 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 or 100,000 miles for spending $20,000 in the first 12 months. 2 miles per $1 on all purchases. No foreign transaction fees. $95 annual fee.

For Balance Transfers – Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. 3% balance transfer fee for transfers made in the first 120 days (5% after). No rewards. 3% foreign transaction fee. $0 annual fee.

For Cash Back – Blue Cash Preferred® Card from American Express - Intro APR of 0% for 12 months on purchases. Earn rate of 1 - 6% cash back. 2.7% foreign transaction fee. Annual fee of $0 1st yr, $95 after.

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.

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Answer 1 · 2019-11-13 17:47:31

WalletHub, Financial Company

@WalletHub 11/13/19 First posted on 07/08/16
Last reviewed on 11/13/19

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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).

Answer 2 · 2018-09-03 14:09:29

Clark Newton, Member

@aprwizard9 09/03/18

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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.

Answer 3 · 2019-09-23 09:09:11

Patrick Murphy, Former Bank Teller

@stpatrick1982 09/23/19

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

What is the Capital One VentureOne credit score requirement?

WalletHub, Financial Company

Clark Newton, Member

Patrick Murphy, Former Bank Teller

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