I got this card when I was still building my credit up, which was around 590-615 depending. Got approved for a mere $500, nothing exciting but decent. Well after 5 months, on top of getting my collections account removed and getting my first card a CLI, my score has gone up 100+ with this card. Icing on the cake was I was told I would be bumped up to a $750 via the automatic increase offer listed. Well it kicked in today and came to find out it got bumped to $3,500 instead! All in all, couldn’t be happier getting this card will definitely continue to be one of my daily drivers.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 26.98%* Variable
- Annual Fee $39
- Purchase Intro APR Not Applicable
- Purchase Regular APR 26.98%* Variable
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Most Helpful Negative Review
I applied for this card because CK said I had excellent approval odds (all my credit scores are currently just above 700). I was approved instantly, but with a teensy tiny credit limit of $300. It takes $2600 a year in expenditures to get enough cash back to refund your $39 annual fee, so the joke is on me -- Capital One will definitely make money on me, because there's no way with a $300 credit limit that I will be charging $2600 annually on this card. However, I'm still grateful to Capital One for helping me rebuild my credit with my first Capital One card. I got their secured Mastercard as card number one and it has been fantastic for rebuilding my credit. So maybe this annual fee is a thank-you for that. I'm hoping to get to 750 quicker with two cards. I also really appreciate Credit Karma's help in making me more aware of my credit and especially, of what affects my score.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.