Build credit with responsible use

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Fair Credit
  • $0 annual fee
  • Build credit with responsible use
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Important disclosures
Fair Credit
  • $39 annual fee
  • 3% cash back at grocery stores, on dining & entertainment 1 and 1% on other purchases
  • Build credit with responsible use 
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Important disclosures Rewards terms
Fair Credit
  • $39 annual fee
  • 1.5% cash back on every purchase
  • Build credit with responsible use
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Important disclosures Rewards terms
Fair Credit
  • $0 annual fee
  • 1.5% cash back on every purchase
  • Build credit with responsible use
  • $200 refundable minimum deposit.
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Important disclosures Rewards terms
Rebuilding Credit
  • $0 annual fee
  • Build credit with responsible use
  • $49, $99, or $200 refundable deposit
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Important disclosures
Fair Credit
  • $0 annual fee
  • 3% cash back at grocery stores, on dining & entertainment 1 and 1% on other purchases
  • Earn a $50 cash bonus 2
  • Build credit with responsible use
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Important disclosures Rewards terms
Fair Credit
  • $0 annual fee
  • 1.5% cash back on every purchase
  • Earn a $50 cash bonus 2
  • Build credit with responsible use
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Important disclosures Rewards terms
FREQUENTLY ASKED QUESTIONS
When used responsibly, a Capital One credit card can help you build credit over time. 3

If you’re new to credit or rebuilding your credit, you might want to consider one of these Capital One cards:
  • Platinum Mastercard®
  • Platinum Secured
  • SavorOne Rewards
  • Savor Rewards for Students
  • QuicksilverOne Rewards
  • Quicksilver Secured Rewards
  • Quicksilver Rewards for Students
Capital One cards can help you build credit if you use them responsibly. 3 You can also use CreditWise from Capital One to monitor your credit score and keep an eye on your progress. CreditWise is free for everyone and using it won’t hurt your credit score. 4
A secured credit card from Capital One can help you build credit with responsible use. 3 Capital One secured credit cards—like the Platinum Secured and Quicksilver Secured Rewards cards—require a one-time refundable deposit to open your account. Making consistent, on-time payments and keeping your credit utilization ratio low may help you build positive credit history, earn your deposit back and upgrade to an unsecured credit card. 
A cardholder can add an authorized user to their credit card account. Authorized users can typically use the card to make purchases. But keep in mind, the cardholder is still responsible for making payments. An authorized user can build credit over time if both parties use the card responsibly. 3  
Any credit card could help you build credit if you use it responsibly. 3 But the best card for you depends on your specific financial needs and goals.

If you’re new to the world of credit or want to build your credit history, consider credit cards for fair credit, like the Platinum Mastercard®. Some cards even let you earn rewards while you build credit, like QuicksilverOne Rewards, Quicksilver Secured Rewards and SavorOne Rewards.

The Platinum Secured card has a refundable security deposit and no annual fee, so it may be a good fit if you’re trying to rebuild your credit (view important rates and fees). Or, if you’re a student, consider a Capital One student rewards credit card. 
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It's easy to apply. Just enter your Reservation Number and Access Code from your letter/E-mail to start your secure application. You could get a response in as little as 60 seconds!

Cards you’re offered in pre-approval may have different terms, including introductory rates and bonuses, from those available elsewhere on our website.

Rate and fee information

  1. 1
    The 3% grocery earn is limited to purchases made at grocery stores, excluding superstores like Walmart® and Target®
  2. 2

    You will earn a $50 bonus if you spend at least $100 within 3 months of account opening. Once you qualify for this bonus, we will apply it to your rewards balance within two billing cycles. Existing or previous accountholders may not be eligible for this one-time bonus.

  3. 3

    Many factors affect your credit, such as payment history and amount of credit extended and used. Using your credit responsibly may help you build good credit.

  4. 4

    The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion® data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.