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Rodney Bennett, WalletHub Analyst
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One of the bestCapital One credit cardsto build credit with is the Capital One Platinum Credit Card because it 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.
Best Capital One Credit Cards to Build Credit With:
Capital One Quicksilver Secured Cash Rewards Credit CardInitial Bonus: N/A
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One Platinum Secured Credit Card
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One Quicksilver Secured Cash Rewards Credit Card
Initial Bonus: N/A
See Also650 Credit Score: Is It Good or Bad? - NerdWalletHow to Manage My Capital One Credit Card Online | Help CenterOngoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One Platinum Secured Credit Card
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One SavorOne Student Cash Rewards Credit Card
Initial Bonus: $50 for spending $100 in the first 3 months
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024)
Annual Fee: $0
Minimum Credit Required: Limited History
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.
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 05/20/24. 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.
Capital One Platinum Secured Credit CardInitial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One Quicksilver Secured Cash Rewards Credit Card
Initial Bonus: N/A
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One Platinum Secured Credit Card
Initial Bonus: N/A
Ongoing Rewards: N/A
Annual Fee: $0
Minimum Credit Required: Bad
- Capital One SavorOne Student Cash Rewards Credit Card
Initial Bonus: $50 for spending $100 in the first 3 months
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024)
Annual Fee: $0
Minimum Credit Required: Limited History
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.
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.
2024's Best Capital One Credit Cards
2024's Best Capital One Credit Cards
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Popular Credit Cards from Capital One, Our Partner
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Rewards
Capital One Venture Rewards Credit Card
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0% Intro APR
Capital One Quicksilver Cash Rewards Credit Card
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No Annual Fee
Capital One SavorOne Cash Rewards Credit Card
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Building Credit
Capital One Quicksilver Secured Cash Rewards Credit Card
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People also ask
Does Capital One help build credit?
Yes, Capital One credit cards help build credit if you pay your bill on time each month and use your card responsibly. Capital One reports your account information each month to all three major credit bureaus, and your credit score is based on the contents of your credit reports.
Best Capital One Credit Cards to Help Build Credit
- Overall:Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
- Secured:Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
- Rewards:Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Cash Back:Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
You’ll build credit the fastest by keeping the balance low on your Capital One card and paying...
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How long does it take to build credit with a secured credit card?
You can build credit with a secured credit card in as little as one to six months, but it can take many months or even years to build a consistently good or excellent credit score. The length of time also depends on whether you’re building credit from nothing or rebuilding damaged credit.
If you have no credit, you could see a good score after just a few months of paying on time. You will have a...
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What credit score do you need for a Capital One credit card?
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.
Capital One Credit Score Requirements by Card
- Capital One Venture X Rewards Credit Card (see ): 750+ (Excellent credit)
- Capital One Venture Rewards Credit Card (see ): 700+ (Good credit)
- Capital One VentureOne Rewards Credit Card (see ): 700+ (Good credit)
- Capital One Quicksilver Cash Rewards Credit Card (see ):...
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