Capital One Credit Cards - Comparewise

Best Capital One Credit Cards

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Capital One

The Capital One Guaranteed Secured Mastercard gives you an effortless way...
  • $59
    Annual fee
  • $0
    Welcome Bonus
  • 0%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
The Capital One Low Rate Guaranteed Mastercard is one of the best Capital...
  • $79
    Annual Fee
  • $0
    Welcome Bonus
  • 0%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews

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Capital One Credit Cards

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Capital One offers credit cards that are easier to obtain for more people, including individuals with low or poor credit ratings. The company offers secured credit card options for people who have no credit history or a below-average credit score.

The card options are ideal for people who may not qualify for standard credit cards at standard banks or financial institutions. Capital One offers products designed for customers with moderate to low credit scores, which is ideal for anyone who wants to enjoy the benefits of using a credit card to make online purchases while establishing credit.

capital one credit cards - comparewise

The Benefits of Capital One Credit Cards

There are some notable benefits to consider when signing up for Capital One credit cards. Two of the company's credit card products offer no annual fees, making them affordable for most customers.

The minimum deposit varies, from $49 to $200, for a starting credit line of $200, though you can work up to a limit of $1,000, which is the maximum. You won't have to pay foreign transaction fees, making this card ideal for travel, including booking hotels, flights, and purchases.

It's a great card for building credit, and Capital One works with customers to achieve a better score while increasing your credit limit as you make regular payments towards your balance.

It's an easy card to use, without numerous fees or costs that add up when you make online purchases or use it in retail shops or during travel. While Capital One's OpenSky Secured Visa Credit Card offers lower interest rates, there is an annual fee, but it's an affordable $35.

Drawbacks of Capital One Credit Cards

While this credit card is an excellent option for most new customers looking to refresh or establish their credit rating, there are some essential characteristics to consider when reviewing Capital One's cards.

One of the drawbacks is no rewards or cashback offers, which many people look for in a credit card product. You may also pay higher interest rates, and you're not likely to begin at a high limit, especially if you have no credit score or a lower rating.

You can easily apply for a credit card, and while many applications are approved, a bank account and a credit check are required. Initially, there may impact your credit rating, though you'll have much potential to improve your credit score while increasing your card's limit.

Capital One Credit Cards Summary

Overall, Capital One is an excellent option for people new to credit cards, including students, people recovering from low scores, and individuals with low or fluctuating incomes.

It's best to review the essential options for each card before deciding which option works best for you, and monitor your spending, as the APR percentage is high and can add up with multiple purchases.

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Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

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March 17, 2022
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FAQs about
Capital One Credit Cards

How much of a security deposit do I need for a Capital One credit card?

The deposit amount depends on your credit rating and the type of secured credit card you choose.

Which credit card option is best for building credit?

The Capital One Platinum Secured Credit Card is one of the best choices, as it has lower fees and offers the ability to upgrade over time.

Can I switch to an unsecured credit card?

Yes. You can apply to switch to an unsecured credit card once you establish a good payment record and improve your credit score.

How does a secured credit card work?

When you apply for a secured credit card, you’ll need to provide the security deposit within 35 days of approval. The deposit isn’t used as a part of your credit card balance, and instead, it’s held if you don’t make a payment.

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