Capital One Credit Cards

Credit card benefits typically vary by card, and many are set at the network level (e.g. by Visa or Mastercard). But there are a few things we can say about Capital One credit cards in general.

For starters, Capital One is one of the only major issuers to have removed foreign-transaction fees from all its cards. So you can travel abroad and make purchases from internationally based merchants without penalty. It’s also one of the only credit card companies that issues cards to people of all credit levels.

In addition, Capital One’s products have performed very well in WalletHub studies on various credit card benefits. Here are a handful of notable examples:

• Capital One’s credit card applications have been the most transparent for seven straight years.
• Capital One Visa cards have the market’s fifth-best rental car insurance coverage, while Capital One Mastercards rank 13th.
• Capital One Visa cards offer the 10th best extended warranty program, and their Mastercard counterparts rank 17th.
• Capital One’s Quicksilver and VentureOne cards are tied for the 10th best travel insurance policy. The original Venture Card comes in 26th.

There is no minimum credit score needed to qualify for a Capital One credit card, as long as any card will do. The Capital One® Secured Mastercard® is available to people with bad credit. And you should have a good shot at approval, as long as you have a personal bank and there are no past-due bills or pending bankruptcy proceedings noted on your credit report.

Capital One also offers great cards to people with limited or no credit, including college students. If you have limited credit and an active college or university email address, the Capital One Journey Card is your best bet. If you aren’t a student, the Capital One® Platinum Credit Card is the way to go.

Furthermore, folks with fair credit have an attractive option in the Capital One® QuicksilverOne® Cash Rewards Credit Card. And good or excellent gets you access to the very best Capital One credit cards, including Venture and Quicksilver.

If you’re unsure where your credit stands, and thus which Capital One credit card to apply for, you can check your latest credit score for free on WalletHub.

Given its attractive credit card offers and high customer satisfaction, Capital One is not only a good credit card company, but a great one.

For starters, Capital One credit cards can be found on most of WalletHub’s best credit card lists. This includes the:

• Best Travel Rewards Credit Cards: Capital One Venture

• Best Cash Back Credit Cards: Capital One Quicksilver

• Best Credit Cards for Fair Credit: Capital One QuicksilverOne

• Best Credit Cards for No Credit: Capital One Platinum

• Best Credit Cards for Bad Credit: Capital One Secured

• Best Student Credit Cards: Capital One Journey

• Best Business Credit Cards: Capital One Spark Cash

• Application Transparency: T-1st

• International Travel: 3rd

• Rental Car Insurance: 6th (Capital One Visa cards)

• Extended Warranty: 10th (Capital One Visa cards)

To check the status of your Capital One credit card application, simply call 1-877-277-5901. Press “3” when you hear the menu, then say “application status.” You will be asked to enter your phone number so Capital One can find your records. You may also be required to enter your Social Security number to confirm your identity. Once you do so, you will receive a status update.