You can get approved for a Capital One credit card if you are at least 18 years old, have proof of enough income to make your monthly minimum payment, and meet the specific card’s credit score requirement. Capital One will also take into account your monthly housing payment, all sources of income, and other factors.
If you’re unsure whether you’ll be approved, Capital One offers the possibility to check if you pre-qualify for some of their cards. This way, you can better assess your approval odds before you apply. Pre-qualification is quick and it’s done using a soft inquiry, so there’s no effect on your credit score.
How to Get Approved for a Capital One Credit Card
Meet the General Requirements. You must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification Number (ITIN) in order to apply. You will also need to provide your birthdate and a physical U.S. address (no P.O. boxes).
Report a Sufficient Annual Income. Your application must include your annual income, the sources of that income, and your bank account information. Capital One requires a monthly income that’s at least $425 more than your monthly housing payment.
Know Your Credit Score Before You Apply. Some Capital One cards require good credit for approval, which means a credit score of at least 700. Capital One also offers a number of credit cards for people with credit scores below 700. You can check your credit score for free on WalletHub.
Make Sure Bankruptcies Have Been Discharged. Capital One will reject your application if you have an unresolved bankruptcy on your credit report.
Check Your Capital One Account and Application History. Your application will be denied if you’ve submitted a Capital One credit card application twice or more in the past 30 days. The same is true if you’re past-due or over your credit limit on any of other Capital One credit card accounts.
If you are unable to get approved for a Capital One credit card, consider becoming an authorized user on someone else’s credit card account. As an authorized user, you will receive your own card, linked to the primary cardholder’s account. Plus, you can build your credit history while the primary cardholder assumes responsibility for all charges on the account.
The Capital One credit card credit score requirement is of at least 300, depending on the credit card. For example, applicants with limited or bad credit can get a secured credit card from Capital One, while the best Capital One credit cards overall require at least good credit for approval.
If you’re not sure which Capital One card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card on the issuer’s website. You may also want to check your credit score before you apply for any Capital One card, just so you have a better idea of what to expect.
It is not very hard to get a Capital One credit card because Capital One offers cards for people with bad credit or better. The easiest credit card to get from Capital One is the Capital One Quicksilver Secured Cash Rewards Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other Capital One credit cards, too.… read full answer
Minimum Credit Score for Notable Capital One Credit Cards
As long as you meet the credit score requirement and a few other requirements, it’s not hard to get a Capital One credit card. As with all credit cards, you’ll need to have a steady income and be at least 18 years old. You’ll also need to have an SSN.
Keep in mind that just because it’s not hard to get some Capital One credit cards, that doesn’t mean it’s necessarily easy to get all of them. You’re also never guaranteed to be approved, even for the cards with the easiest approval requirements.
Capital One credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN to get a Capital One credit card.… read full answer
Some Capital One cards may give you higher approval odds than others, though, depending on your credit score. Applicants who choose the right offer can get approved with fair, bad, or limited credit.
Credit Requirements for Good Capital One Credit Card Approval Odds
While credit scores are very important, Capital One credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Capital One will also look at your monthly housing costs and existing debts when considering your application.
If you want to get a better sense of your approval odds before applying for a Capital One credit card, you can always check to see if you’re pre-qualified for any offers on the Capital One website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
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