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Capital One® Cards for "Limited Credit History"

At a minimum all of these statements are true for you. Please note these are minimum requirements and meeting these criteria does not guarantee approval.

  • I have had my own credit card for less than three years or never had one
  • I have a limited credit history, for example I am a student, or new to the country, or a young person working for a living, or I have been an authorized user on someone else's credit card
  • I have a valid credit score that can be found at one of the major credit reporting companies.
    (In some cases, a valid credit report is sufficient to be eligible for a credit card.)


  • Capital One® Platinum
    Apply Now
    Learn More
    Smart choice if you carry a balance long-term

  • 0% APR on purchases until June 2008. After that, a variable APR, currently 8.4%
  • No balance transfer fees
  • $39 annual fee
  • $0 Fraud Liability for unauthorized use if your card is lost or stolen

    Apply for the Capital One® Platinum
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