Best Capital One Credit Cards

Yes, Capital One is a good credit card company for beginners. The best Capital One credit card for beginners is the Capital One Platinum Credit Card because it has a $0 annual fee, is available to people with limited credit, and does not require a security deposit to open the account. Capital One Platinum does not offer any rewards, as it is a no-frills credit card specifically for building credit at a low cost.

Capital One offers several other good credit cards for beginners with little or no credit history. Nearly all of them come with features such as no annual fee or cash back rewards on purchases, though some may require you to be enrolled as a student or put down a security deposit before you can open an account.

Good Capital One Credit Cards for Beginners

If you’re a newcomer to credit and need help finding the right Capital One credit card for your needs, take a look at WalletHub’s picks for the best Capital One credit cards. You can see for yourself how the top cards compare in a number of key categories and across credit levels.

Yes, it is good to have a Capital One credit card because these cards offer low or no annual fees, generous rewards, 0% APR deals, and no foreign transaction fees. Capital One credit cards are also available to all types of consumers, including students, business owners and people with bad or limited credit. Plus, Capital One cards rank high in customer satisfaction among the major credit card issuers.

Most Capital One consumer and business credit cards are on either the Visa or Mastercard network, too, which means they’re accepted at nearly 11 million U.S. merchants and in more than 200 countries and territories. Many Capital One credit cards also come with a solid list of benefits, such as rental car insurance, extended warranty protection, price protection, travel insurance and more.

Some of the Best Capital One Credit Cards

Ultimately, you can check out our editors’ latest picks for the best Capital One credit cards on the market to weigh your options.

The Capital One SavorOne Cash Rewards Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Capital One SavorOne Card.

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 SavorOne Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

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 SavorOne credit score requirement. You can check your credit score for free on WalletHub.

THE WINNER

Capital One Quicksilver Cash Rewards Credit Card
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.

EDITOR'S OVERVIEW

The Capital One Quicksilver Cash Rewards Credit Card is the winner over the Capital One Platinum Credit Card. The Quicksilver Card’s best features include 1.5% cash back on all purchases, a $200 bonus for spending $500 in the first 3 months, and intro financing of 0% for 15 months. Platinum doesn’t offer low introductory rates or any kind of rewards – just the ability to build credit without paying an annual fee.

These two cards are ultimately meant for two very different types of people. Capital One Platinum is a starter credit card for people with limited credit. Quicksilver on the other hand, requires at least good credit for approval. That’s why Quicksilver offers such superior terms.

Below, you can learn more about the Capital One Platinum and Quicksilver cards. You can also check your latest credit score for free on WalletHub to get a better sense of which offer will work best for you.

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There is no general starting credit limit for Capital One credit cards. Your credit limit will be based on your creditworthiness once your application has been approved.

When determining credit limits, factors such as your debt-to-income ratio, repayment history and the length of your credit history will play a significant role. Unfortunately, there's no surefire way of knowing your credit limit before applying and getting approved for a Capital One credit card.

How to get a higher Capital One credit card credit limit:

If you're not happy with the limit you have received, you can apply for an increase online once you've made payments on time for several months. Capital One uses soft pulls for these credit inquiries, so requesting a credit limit increase won't affect your credit score.

The credit score that you need for the Capital One Platinum Credit Card is at least 640. 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.

Other Capital One Platinum Approval Requirements

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.

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, right here on WalletHub.

To log in to your Capital One credit card account, go to the login page on the Capital One website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don’t already have an account, you will need to start by clicking “Set Up Online Access” in order to set up a username and password.

How to Log in to a Capital One Credit Card Account

1. Register your Capital One credit card for online account access. Click “Set Up Online Access” and enter your last name, date of birth, and Social Security number or ITIN to verify your credit card account.
2. Choose your Capital One username and password. The password must contain between 8 and 32 characters, have at least one letter and one number, and be different from the username. The password is case sensitive and may contain special characters.
3. Log in with your new Capital One credentials. From the login page on the Capital One website or mobile app, fill out the Username  and Password fields using your new credentials, then click “Sign In” to access your account.

After you have signed up and logged in, you’ll be able to manage your Capital One credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot Username or Password?” on the Capital One login page. Then, just follow the prompts to reset or retrieve your username or password.