This was my first credit card on my journey to correct some credit errors I had made in my youth. I started off with a score in the high 500s, and Capital One granted me a limit of $300. Better than nothing, right? After about 6 months of responsible use, they raised my limit to $500. 5 months later, it was up to $1500 - the extra available credit helped me get approved for another card, and by then my score had gone up by about 75 points. Being that this is my oldest card, I still have it. I use it once every couple months to keep it active. My score is now over 700, thanks in large part to this card, which will always have a special place in my heart and wallet. Also - I find the app to be very user-friendly and simple to use. They update it frequently, and in the two years I've had a relationship with Capital One, I've not had a complaint about them.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 26.98%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 26.98%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I got this card back in 2015 when I began repairing my credit (job loss/layoff). My score was in the 550 across all 3 platforms so the only
other option was a secure card. I went ahead and applied and somehow was approved for 2 of the same card, one with a 300 limite and the
other at 500. I just began to make small purchases for a couple years and about every 6 months or so they would raise the limit slighty, by about 150-200 at a time, so very miniumal.
This is NOT meant to be a reward card or carry many benifts. You have VERY basic benefits like travel insurance, auto collison damage waiver, no foreign transaction fees, and extended warranty.
No points, travel or awards accure and this card typically (from mine and what I've reserached) carries a fairly high APR. My advice is get the card, get your credit in order, and move on to something else.
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