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.
There are only a few steps to apply for a Capital One credit card.
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.
There are three potential outcomes after you apply for a Capital One credit card:
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.
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:
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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