Capital One Credit Cards


Updated: September 13, 2018

Advertisement

Capital One 360 is considered as one of the major credit card issues in the United States. And it is not surprising, as this financial institution is able to offer almost any type of cards to its customers. Our reviews will help you make up your mind regarding which credit card to apply for, while our guides will demonstrate you how to apply for a card or manage it through the web.

Best Credit Cards from Capital One

Many cards from Capital One 360 are designed for the customers with fair credit score, which makes them easier to obtain than credit cards of some other banks. Indeed, these credit cards may lack some perks compared to the top-tier credit cards from Chase or Wells Fargo, yet many of them don’t charge an annual fee and have some solid bonuses. All in all, here we have selected a list of worthwhile credit cards from this bank.


Capital One Platinum Credit Card

best 0% foreign transaction fee credit cards

Annual fee: $0.

Purchase APR: 24.99%.

Recommended credit score: from 630 to 689.

Most suitable for: customers with fair credit and varied spending.

Credit card features:

Apply Here

 

This credit card from Capital One 360 is aimed at those customers with fair credit, who are seeking to improve their credit score and apply for a better credit card later. Unlike many other credit cards, this Capital One card has a way too high interest rate, which may rather be compared with the APR of store-branded credit cards.

Obviously, you should apply for this credit card only if you cannot get anything better and have to use this card until your credit score will grow enough. Apart from that, there are a few quite pleasant features one may take advantage of. For instance, it is worth to mention that this card has a 0% foreign transaction fee, which makes it advantageous to use it abroad. You will get access to a higher credit limit if you succeed to pay the required minimum sum by the due date during the first 5 months.

One of the surprising things is that this Capital One credit card one of the rare cards without a balance transfer fee. However, it doesn’t grant any 0% intro APR period on balance transfers, and its ridiculously high APR makes it pointless to make any balance transfers. The card also doesn’t grant you any cash back rewards, so there little incentive to use it, save for the purpose of improving your credit score.

As soon as your credit score gets higher, you will get an opportunity to update for a better card from Capital One 360. And we highly recommend you to take advantage of that opportunity and upgrade to a better credit card, which will definitely provide you with a far bigger number of benefits and features.


Journey Student Rewards Credit Card

best credit cards for students

Annual fee: $0.

Purchase APR: 24.99%.

Recommended credit score: from 630 to 689.

Most suitable for: students and customers whose credit card will be the first one and who want to enjoy cash back rewards.

Credit card features:

Apply Here

 

Even though this credit card from Capital One cannot boast such impressive rewards like, for example, Chase Freedom Unlimited or Wells Fargo Cash Back credit cards, there are still solid reasons to apply for this credit card. And we especially recommend this credit card to the customers for whom this credit card is going to be the first (or second) one in the life.

One of the main reasons to apply for this credit card is that it does not charge any annual fee. But apart from that, many credit cards do not offer cash back rewards – something that this card from Capital One provides. You will get a 1% cash back rewards rate on all purchases you make, which is quite a decent benefit as for the first card. But you can raise it up to 1.25%, if you pay your credit card by the due date.

In addition to this, you can conveniently travel abroad with this credit card, as it charges 0% foreign transaction fee – something that very few rewards credit cards offer. Same as in the case with the previous credit card from Capital One 360, you will get access to a higher credit limit if you pay your minimum sum by the due date during the first 5 months.

All in all, this credit card is likely to be an ideal choice as the first-credit-card-in-the-life one. Apart from providing solid bonuses to the cardholders, it also comes with a feature of zero  fraud liability. Additionally, you can conveniently manage your credit card through the CreditWise app and check how your credit score grows. As soon as you will get a higher score, you may try to apply for a credit card with a greater number of benefits.


Capital One QuicksilverOne Cash Rewards Card

cash back rewards credit cards from capital one

Annual fee: $39.

Purchase APR: 24.99%.

Recommended credit score: from 630 to 850.

Most suitable for: customers with varied spending.

Credit card features:

Apply Here

 

This credit card is also aimed at the people with average credit score, who cannot apply for top-tier credit cards with no annual fee yet. And indeed, while this Capital One card offers a solid cash back rewards rate on all purchases, it also comes with a fee: $39 per year. Thus, you shouldn’t think about applying for this credit card as long as you don’t spend a lot.

Of course, the main advantage of this credit card is that it, like the Chase Freedom Unlimited does, offers a 1.5% cash back rewards rate on all purchases – this number is quite impressive. The main problem with this card from Capital One is that you have to pay an annual fee of $39. In order to reach the breakeven point of using this credit card, you need to spend at least $2,600 per year. If your spending is much higher than that but your credit score is low, it does make sense to get this credit card.

This credit card naturally revolves around the high amount of cash back rewards on varied spending, and it is expected that there is no cap or limit on the maximum amount of rewards you can get. Likewise, the rewards do not expire as long as your bank account with Capital One 360 remains active.

Like the other credit cards from Capital One 360, this credit card does not charge a balance transfer fee. But considering that the customers do not get a 0% intro APR period and the interest rate is a way too high, it barely makes any sense to transfer your debt to this credit card. Also, there are features of this card like zero fraud liability or an ability to track your credit score through the CreditWise app, but they rather come as supplementary features. Indeed, the key benefit of this card is a relatively high cash back rewards rate.


How to Log In To Capital One Credit Card Account

Once you have obtained a credit card from Capital One 360, you can enroll in its online banking program and manage your credit card through the bank’s website and its mobile apps. It allows you to perform many actions online, including paying bills, getting credit card statements, and checking your history of transactions. If you have already enrolled in this online banking program, here is a guide that will help you to use it.

You can access your credit card account with Capital One 360 in this way:

access capital one credit card online

  • On that page, you should click on the “Sign In” button, which can be found in the right-upper corner.

how to enter capital one credit card account

  • Right after doing so, you will get to see a page with the online banking form of this bank – now, you can start accessing your credit card account.
  • You have to type the username of your online banking account in the first field.

access credit card from capitall one online

  • Next, you should enter your password in the next field.
  • You can also save your username for future sessions by checking the box under the “Password” field.
  • Eventually, you should click on the “Sign In” button and access your credit card account. Now, you can manage your credit card online and perform the actions you wanted to do online with it.

Apply for a Credit Card from Capital One

If you haven’t got a credit card from this bank yet, you can apply for one online. But before doing it, you should select a credit card that you want to get from Capital One. Once you have chosen a good credit card from this bank, you can follow the guidelines of this section and apply for a new credit card.

This is how you can apply for a Capital One credit card step by step:

apply for a credit card from capital one

  • Then, you will notice the main menu of the website, placed at the top. You have to move your mouse over the “Credit Cards” menu section there.

how to get capital one credit card

  • Following it, you will get to see a list of credit card categories on the right and a list of the featured credit cards on the left. You can click on the “Compare All Cards” option in order to browse all credit cards from Capital One 360.

how to obtain credit card from capital one

  • Now, you have got to see a selection of credit cards from this bank. Browse this list and find a credit card that suits your needs well.
  • Once you have found a suitable credit card on this page, you should click on the “Apply Now” button.

best credit cards from capital one

  • Right after that, you will be redirected to the page with an application form. At that point, you need to provide all the required information about yourself by filling out this form.
  • After you have finished filling out the application form, you should scroll down and click on the “Continue” button.

capital one credit card online application

  • Then, review all the information you have provided and finalize the application process.
  • You have just submitted your application. In the nearest time possible, you will be notified whether you have been approved or rejected for a selected credit card.
Capital One Credit Cards
5 (100%) 1 vote[s]

Share the Word!