Easiest Capital One Card to Get Approved For in 2024 (2024)

FAQs

Easiest Capital One Card to Get Approved For in 2024? ›

We recommend the Capital One Platinum Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card as some of the easiest Capital One cards to get approved for. But there are better options available if you have a good credit score.

Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard. Your credit score is only one of the many factors that determine your credit approval odds. The best way to know if you'll qualify is to get pre-approved. It's quick, easy and won't hurt your score.

There is no published minimum, but anecdotal reports are that you may be able to be approved for a secured card with a credit score as low as 300. You will generally need a very good to excellent score, normally 740 or above, to be approved for Capital One's best credit cards.

It is easy to get some Capital One credit cards because there are options for people with bad credit or better. For example, you can get approved for the Capital One Quicksilver Secured Cash Rewards Credit Card with a bad credit score or with limited credit history.

The Capital One Quicksilver Card is hard to get because it requires at least good credit for approval (a credit score of at least 700 is recommended), and you need excellent credit to get the best initial bonus. You also need a steady income to qualify for the Capital One Quicksilver card.

Capital One Venture X Rewards Credit Card

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395.

Your monthly income needs to be at least $425 more than your monthly rent or mortgage payment to get the Capital One Quicksilver Cash Rewards for Good Credit card, according to Capital One. The higher your income is above the minimum, the more likely you are to be approved.

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.

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

What credit score for Capital One Quicksilver? ›

Of course, the Quicksilver's rich benefits come at a price: your credit score. Only consumers with good to excellent credit, meaning a credit score of 690 or higher, can qualify for the Quicksilver.

If you look for credit cards in your credit score range and apply online, you may get approved within minutes. Many Capital One credit cards give eligible cardholders the option to access and use their virtual card once approved, so you could start using your credit line the same day you apply.

Two of the easiest unsecured credit cards to get are the Credit One Bank® Platinum Visa® for Rebuilding Credit and the Fortiva® Mastercard® Credit Card because you can get approved even with bad credit. The Credit One Visa offers a $300 starting spending limit, while the Fortiva Cash Card offers $350.

You need a credit score of 700 or higher (good to excellent credit) to get the best Capital One credit card offers. Other options are also available for people with lower scores, as it is possible to get approved for Capital One credit card with limited credit history or a bad credit score.

The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.

The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.

The best type of credit card for a 524 credit score is a secured credit card. Secured cards give people with bad credit high approval odds and have low fees because cardholders are required to place a refundable security deposit.