Best Capital One Credit Card to Build Credit in 2024 (2024)

FAQs

Best Capital One Credit Card to Build Credit in 2024? ›

The Capital One Platinum Secured Credit Card may be a good option for those rebuilding credit. And as you explore your credit card options, consider getting pre-approved. Doing so won't damage your credit score, and you'll be able to get a clearer sense of which cards you may qualify for.

The Capital One Platinum Secured Credit Card may be a good option for those rebuilding credit. And as you explore your credit card options, consider getting pre-approved. Doing so won't damage your credit score, and you'll be able to get a clearer sense of which cards you may qualify for.

Capital One Venture X Rewards Credit Card.

Capital One Venture X Rewards Credit Card

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395. You get a lot in return, though.

To build credit, it's important to practice good financial habits and monitor your credit routinely. One way to build credit is by applying for and responsibly using a credit card. In some cases, paying other bills, like rent or utilities, can help boost your credit scores.

The two cards have identical WalletHub Ratings (5/5/5), but Capital One Savor offers more value overall, thanks to its bonus rewards.

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.

The winner: It's a toss-up. Both Capital One and Discover student cards offer decent cash-back rewards and sign-up bonuses with no annual fees. If you're newer to establishing credit, you may be more likely to qualify for the Discover cards. But if you have fair credit, your options open up a bit more.

Yes, Capital One credit cards help build credit if you pay your bill on time each month and use your card responsibly.

Quicksilver: Quicksilver Clearly Wins — If You Qualify. The Platinum is a bare-bones card that helps people build credit, and that's about it. If you've graduated beyond the credit-building stage, choose the Quicksilver for its handsome rewards.

Is Capital One Quicksilver a good credit card? ›

The Quicksilver card is a solid flat-rate cash back card for cardholders who value simplicity, minimal fees and low-maintenance rewards. If you're looking for an attainable sign-up bonus or an intro APR to chip away at debt or finance new purchases, take a look at what this card can offer.

But Capital One's cards are more than hype — they include generous rewards cards as well as excellent products for business owners, students and those with average or poor credit.

Policies for credit limit increases differ from issuer to issuer. At Capital One, for example, most accounts that have been open for only a few months are too new to be considered. If an account has received an increase or decrease in the past few months, it typically won't be considered either.

Chase cards tend to have generous opening bonuses, cash back, points and more. Capital One tends to have fewer options within each banking category. While it does have the basics — such as checking and savings accounts — it doesn't offer mortgages, personal loans or investment services.

The SavorOne card's bonus categories cover popular expenses, making the card an excellent option for earning unlimited cash back. The SavorOne earns 3 percent cash back on dining, entertainment, grocery store purchases (excluding Walmart and Target) and popular streaming services.

See if you're eligible for one of our credit cards today. If you use the Classic card sensibly it can help you build up your credit score. That means making your monthly minimum payments on time every month and staying within your credit limit. If you don't do these things you could harm your credit score.

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 WINNER. Capital One Quicksilver is better than Capital One Platinum because it offers attractive rewards and a 0% introductory APR. Capital One Platinum doesn't offer low introductory rates or any kind of rewards – just the ability to build credit without paying an annual fee.

The Quick Silver card is good for people with good credit just spend what you can pay back ASP! So it helps build your credit rating up by keeping a 0 balance or below 30% plus you don't pay any interest which is high but understand.