What credit score do you need to get a Capital One Venture X card? (2024)

FAQs

What credit score do you need to get a Capital One Venture X card? ›

Your approval odds for the Capital One Venture X Card are best if your credit score is 740 or higher. Keep in mind, that other factors go into your application as well, including your income and relationship with Capital One.

A FICO® Score of 700 or higher is recommended when applying for the Capital One Venture X Rewards Credit Card. Capital One has designed this credit card for consumers who have excellent credit. Your credit score is one of many factors reviewed during a credit card application, so it's not the only thing that matters.

Bottom Line. If your FICO or VantageScore credit score is approximately 670 or higher, you have a history of on-time payments for at least the last year and you haven't declared bankruptcy or defaulted on a loan within five years, you have very good odds of being approved for at least one of Capital One's Venture cards ...

The Venture X has a minimum annual limit of $10,000. Capital One doesn't advertise a maximum limit.

You need at least good credit to get approved for the Capital One Venture. That means applicants must have a credit score of 700 or higher for good approval odds. Capital One assigns Venture Card credit limits based on each applicant's credit history and ability to pay. The Capital One Venture annual fee is $95.

Your credit score and financial situation

Having good to excellent credit typically increases your approval odds. We recommend that anyone applying for the Capital One Venture Rewards Credit Card have a FICO score of at least 690. With that in mind, credit score alone isn't the only important factor.

If you apply by phone or online, you'll typically get a response within 60 seconds. If you submit a paper application, it will take longer. But no matter how you apply, Capital One generally notifies applicants of the decision in writing within seven to 10 days of receiving the application.

The Capital One Platinum Secured Credit Card (see rates and fees) is easier to qualify for because it's a secured card, which means you'll need a security deposit to open the card.

You can borrow as much as $40,000 - $100,000+ with a 650 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

Key Things to Know About a 675 Credit Score

For example, you should be able to qualify for unsecured credit cards and personal loans, but the interest rate may be fairly high.

How to get a 10k credit limit with Capital One? ›

To get a $10,000 credit limit on a Capital One credit card, you will need to apply for a high-end card like Capital One Venture X and meet the income requirements. Other Capital One cards may offer $10,000 starting credit limits to qualified applicants, but the odds of getting a limit that high are not as good.

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

The bottom line. If you're looking to earn miles and want more ways to redeem rewards for travel, pick the Capital One VentureOne. Meanwhile, you should pick the Capital One Quicksilver if you're after a higher rewards rate on everything you buy.

The Platinum Card offers a myriad of annual credits to take advantage of. They total up to $1,584 in value, which is far and above the cost of the annual fee. The Venture X does offer a $300 annual credit which certainly helps, but its benefits don't offer nearly as much potential value as that of The Platinum Card's.

Which Credit Bureau Does Capital One Use? Capital One appears to pull from any of the three major credit bureaus: Experian, Equifax and TransUnion. Though all evidence is limited to anecdotal data, Capital One does seem to rely on specific bureaus in some states, though this is not a guarantee.

Application Rules

Capital One will only approve you for 1 credit card every 6 months, and this applies to both personal and business credit cards. So, if you open the Capital One^® Savor^® Rewards card today, you'll have to wait at least 6 months before applying for a card like the Cap One Venture.

What is the most prestigious credit card? One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.

After all, one of the first things potential investors will do is pull your credit report. If your score is low, they may be less likely to give you the money you need to get your business off the ground. However, that doesn't mean it's impossible to get funding if you have bad credit. Here's what you need to know.