Is It Easy to Get a Capital One Credit Card

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There are Capital One credit cards available for just about everyone, whether you're looking for a rewards card, a 0% intro APR, or to build your credit. If you want to apply for a Capital One credit card, here's how to do it.

How to apply for a Capital One credit card

There are only a few steps to apply for a Capital One credit card.

1. Go to the credit card's page and click "Apply Now."
2. Enter the required information. You'll need to have the following information available to fill out the application:

• Personal information: Full name, date of birth, and Social Security number
• Contact information: Residential address (PO boxes aren't valid as a residential address for credit card applications, but you can add one as your mailing address by clicking "Add mailing address"), email address, and phone number
• Financial information: Employment status, annual income, monthly home payment (rent or mortgage), the types of bank accounts you have, and optional questions about your credit card spending habits

1. Add an authorized user if you want to do so now. If not, you can skip this step.
2. Submit the application.

Ideally, you'll get an answer right away -- or at least, within the minute or so that it takes for the credit card issuer to process your information. The results could, however, take longer than that.

What happens after you apply for a Capital One credit card?

There are three potential outcomes after you apply for a Capital One credit card:

• Instant approval
• Instant denial
• Under review

If it's an approval, then you're good to go. The credit card company will send you the card in the mail. The letter you receive will include activation instructions and your credit limit.

A denial is the worst-case scenario, but it doesn't always mean you're out of luck. You can call Capital One's reconsideration line. They can tell you why you were denied (you'll also get a letter in the mail with this information), and you can explain why they should reconsider your application. It's possible a representative may overturn the original decision and approve your Capital One credit card application.

Finally, there's application purgatory. When Capital One says it needs more time to review your application, you should receive a letter within seven to 10 business days on whether you were approved or denied. But you can also call Capital One as early as the next day to check your application's status. The benefit of doing that is if you were denied, you can attempt to get a reconsideration immediately.

Choosing a Capital One credit card

Before you apply for a Capital One credit card, you need to pick one. If you're not sure which card is right for you, consider your credit score and the credit card benefits you're looking for.

Your credit history and credit score determine which cards you can get. The best Capital One credit cards are usually only an option if you have good or excellent credit. Fortunately, Capital One includes recommended credit levels with each of its cards. You can click the credit level to see what the qualification requirements are for that Capital One credit card.

As far as card benefits go, you'll need to decide what perks matter most to you. That could be cash back, travel rewards, 0% intro APR financing, or something different. It's also important to look at any fees a card has, such as an annual fee or foreign transaction fees.

Here are Capital One credit card recommendations that will cover most financial situations and goals:

• Earn travel rewards: Capital One Venture Rewards Credit Card
• Earn flat-rate cash back: Capital One Quicksilver Cash Rewards Credit Card
• Earn bonus cash back: Capital One® Savor® Cash Rewards Credit Card
• Finance purchases at a 0% intro APR: Capital One SavorOne Cash Rewards Credit Card
• Improve bad credit: Capital One Platinum Secured Credit Card
• Improve fair credit: Capital One Platinum Credit Card
• Build credit as a student: Journey Student Rewards from Capital One

Here is a bit more information about a few of these cards.

As of Aug. 11, 2022

Capital One Quicksilver Cash Rewards Credit Card	Capital One Platinum Credit Card	Journey Student Rewards from Capital One
Rating image, 4.50 out of 5 stars. 4.50 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.00 out of 5 stars. 4.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.50 out of 5 stars. 4.50 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for Capital One Quicksilver Cash Rewards Credit Card On Capital One's Secure Website.	Apply Now for Capital One Platinum Credit Card On Capital One's Secure Website.	Apply Now for Journey Student Rewards from Capital One On Capital One's Secure Website.
Read Full Review	Read Full Review	Read Full Review
		Rates & Fees
Credit Rating Requirement: Good/Excellent (670-850)	Credit Rating Requirement: Fair (300-669)	Credit Rating Requirement: New/Rebuilding Under(579)
Welcome Offer: $200	Welcome Offer: N/A	Welcome Offer: N/A
Rewards Program: 1.5% cash back	Rewards Program: N/A	Rewards Program: 1% cash back
Intro APR: Purchases: 0%, for 15 months Balance Transfers: 0%, for 15 months	Intro APR: Purchases: N/A Balance Transfers: N/A	Intro APR: Purchases: N/A Balance Transfers: N/A
Regular APR: 16.49% - 26.49% Variable	Regular APR: 26.99% Variable	Regular APR: 26.99% Variable
Annual Fee: $0	Annual Fee: $0	Annual Fee: $0
Highlights: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening Earn unlimited 1.5% cash back on every purchase, every day $0 annual fee and no foreign transaction fees Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months	Highlights: No annual or hidden fees. See if you're approved in seconds Be automatically considered for a higher credit line in as little as 6 months Help build your credit through responsible use of a card like this Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Monitor your credit score with CreditWise from Capital One. It's free for everyone Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you	Highlights: Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Enjoy no annual fee and no foreign transaction fees You can help build your credit with responsible use of a card like this Set up Autopay for your account and your payments will be made automatically every month Pick the monthly due date that works best for you Be automatically considered for a higher credit line in as little as 6 months $0 fraud liability if your card is ever lost or stolen
Apply Now for Capital One Quicksilver Cash Rewards Credit Card On Capital One's Secure Website.	Apply Now for Capital One Platinum Credit Card On Capital One's Secure Website.	Apply Now for Journey Student Rewards from Capital One On Capital One's Secure Website.
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Getting your Capital One credit card

It's not difficult to apply for a Capital One credit card. What's most important is finding the right card. When you can figure out the best credit cards for you, you'll maximize your value. Once you know what you want, the application itself should only take about five to 10 minutes.

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Source: https://www.fool.com/the-ascent/credit-cards/how-to-apply-for-capital-one-credit-card/