The Capital One Platinum Credit Card is not for bad credit, as people with a credit score lower than 640 aren’t likely to be approved. Capital One Platinum is a good credit card for applicants with limited-to-fair credit or better.
Although the unsecured Capital One Platinum Credit Card is not for bad credit, the Capital One Platinum Secured Credit Card is available to applicants with a bad credit score. Capital One Platinum Secured requires a minimum security deposit of $49, $99 or $200, making it easier to get approved with bad credit.
Capital One Platinum Cards by Minimum Credit Score
The credit score needed for the Capital One Platinum Credit Card is 640 or higher. The Capital One Platinum Credit Card is also available to people with limited credit history, which means you may be able to get approved even without a credit score.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Capital One Platinum Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Capital One Platinum credit score requirement. You can check your credit score for free on WalletHub.
Your credit score isn’t the only thing that will affect your ability to get approved for a Capital One credit card. Your income and debt will play a big role, too. But figuring out which Capital One credit card to apply for doesn’t have to be a guessing game. Capital One lets you check which of its cards you pre-qualify for, without hurting your credit score. Pre-qualifying for a card means your odds of approval are very high, should you decide to submit an official application.
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