The bestCapital One credit cardto build credit with is the Capital One Platinum Credit Card. This card is available to people with limited credit and has a $0 annual fee. Capital One Platinum also reports to the three major credit bureausmonthly, just like all other Capital One credit cards. The only real downside is that Capital One Platinum does not offer rewards.
Some of the Best Capital One Credit Cards to Build Credit With:
Rates & FeesOverall:Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
Capital One Platinum is available to people with limited credit and has a $0 annual fee.
- Rates & FeesSecured:Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
The Capital One Platinum Secured is the easiest Capital One credit card to build credit with since it’s even available to people with bad credit. That’s because it requires a security deposit to open the account, which lowers Capital One’s risk in giving you a credit card account. It also has a $0 annual fee, but it doesn’t offer any rewards.
- Rates & FeesRewards:Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
The Capital One QuicksilverOne is the best Capital One credit card for building credit while earning rewards at the same time. It’s open to people with limited credit, and it offers 1.5% cash back on all purchases. The annual fee is $39.
- Rates & FeesUnlimited Cash Back:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
The Capital One Quicksilver Secured is also an easy credit card to build credit with. It is available to applicants with bad credit. But since it’s a secured credit card, it requires a minimum deposit of $200. The card offers 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. The card also has a $0 annual fee.
- Rates & FeesStudents:Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
Capital One SavorOne Student Card is the right Capital One credit card for students to build credit with. The card accepts applicants with limited credit history, offers 1 - 8% cash back on purchases, and has a $0 annual fee.
Keep in mind that in order to make sure you build good credit with your card, you will have to use it responsibly. The most important things to do are to always pay the bill on timeand to utilizeless than 30%of your card’s credit limit.
This answer was first published on 10/19/20 and it was last updated on 03/27/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
