Can I get a Capital One Venture card with a 650 credit score?
You need a credit score of at least 700 to get the Capital One Venture Rewards Credit Card. In addition to good or excellent credit, you will need enough income to afford monthly bill payments to get approved for the Venture Card.
We recommend that anyone applying for the Capital One Venture Rewards Credit Card have a FICO score of at least 690. With that in mind, credit score alone isn't the only important factor. Your income, current debt, credit history and usage may be considered.
Premium credit cards like the Capital One Venture X tend to be the most difficult type of credit card to get approved for. You'll typically need a pristine credit history and a high credit score to qualify.
- Capital One Quicksilver Secured Cash Rewards Credit Card. Learn More. Capital One Quicksilver Secured Cash Rewards Credit Card. ...
- Capital One Platinum Secured Credit Card. Learn More. ...
- OpenSky® Secured Visa® Credit Card. View Offer. ...
- Experian CreditWorks℠ View Offer.
The minimum credit limit for the Capital One Venture Card is $5,000, since Venture is a Mastercard Elite card and Mastercard Elite cards give at least that much spending power. Some people say they've gotten limits as high as $10,000, but the exact limit you get will depend on things like your credit score and income.
According to anecdotal reports, the card's credit limit can be as low as $750 and as high as $10,000. However, Capital One does not list a minimum or maximum credit limit in the card's terms and conditions. If you want to aim for a higher credit limit, there are a number of areas you should focus on improving.
Why it's one of the easiest credit cards to get: The Capital One Platinum Credit Card is a starter credit card, designed for people with limited or no credit history. The Capital One Platinum Card also has a $0 annual fee and reports monthly to the three major credit bureaus, making it an excellent option...
The Capital One Platinum Secured Credit Card (see rates and fees) is easier to qualify for because it's a secured card, which means you'll need a security deposit to open the card.
The Capital One Venture Rewards Credit Card is worth it if you have good credit or better and you travel regularly but don't want to be limited to one airline or hotel.
The bottom line
If you're looking to earn miles and want more ways to redeem rewards for travel, pick the Capital One VentureOne. Meanwhile, you should pick the Capital One Quicksilver if you're after a higher rewards rate on everything you buy.
Which credit bureau does Capital One venture pull?
Which Credit Bureau Does Capital One Use? Capital One appears to pull from any of the three major credit bureaus: Experian, Equifax and TransUnion. Though all evidence is limited to anecdotal data, Capital One does seem to rely on specific bureaus in some states, though this is not a guarantee.
Less benefits than the Venture Card - While the VentureOne card doesn't charge an annual fee (see rates and fees), it offers a lesser rewards program than the Venture Card and also doesn't come with a Global Entry/TSA PreCheck application fee credit.
Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.
Generally speaking, a good credit score is 690 to 719 in the commonly used 300-850 credit score range. Scores 720 and above are considered excellent, while scores 630 to 689 are considered fair. Scores below 630 fall into the bad credit range.
Most Chase credit cards are intended for consumers with good to excellent credit scores (FICO® Score of 670 or higher). A score above 700 is even better and gives you a strong chance at approval.
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.
To get a $10,000 credit limit on a Capital One credit card, you will need to apply for a high-end card like Capital One Venture X and meet the income requirements. Other Capital One cards may offer $10,000 starting credit limits to qualified applicants, but the odds of getting a limit that high are not as good.
If you're approved, you should receive your Capital One card, credit limit information, and welcome materials by mail within approximately 7 to 10 business days.
Where accessibility is concerned, the Capital One Platinum Credit Card beats the Capital One Quicksilver Cash Rewards Credit Card. Those who have fair or average credit cannot qualify for the Quicksilver, which requires at least good credit. For that consumer cohort, the Platinum wins over the Quicksilver by default.
Bottom Line. If you have excellent credit, the Capital One Quicksilver Cash Rewards Credit Card is the clear winner here. It's the same as the Capital One QuicksilverOne Cash Rewards Credit Card but with no annual fee (rates & fees), a welcome bonus and better benefits.
Why did Capital One give me such a low credit limit?
Your credit limit may be low because you're just starting out with credit and haven't built up a long enough credit history to warrant a high credit limit. It's also possible that you had a low credit score or low income when you applied for your credit card, so the issuer didn't trust you with a higher limit.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.
If you apply by phone or online, you'll typically get a response within 60 seconds. If you submit a paper application, it will take longer. But no matter how you apply, Capital One generally notifies applicants of the decision in writing within seven to 10 days of receiving the application.
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
