![]() I’ve gone over and over my statements, and seriously can’t see a single purchase that a card issuer wouldn’t like.īut Capital One found something somewhere that it didn’t like. I never used the Venture card to buy a single gift card or to pay friends or to fund a gambling account or anything else remotely sketchy. I know you don’t believe me because Nick didn’t believe me when I told him. I never used the card for anything anyone would consider questionable. I had many more months to complete the remaining spend. To-date, I had earned the 50K portion of the signup bonus, but I was still working towards the full 100K. In other words, this became my go-to “everywhere else” card when I couldn’t earn 5x for dining, 4x for grocery, 8x for gas, etc. ![]() Once the card arrived, I used it for all of my daily spend except when other cards offered good bonus categories. The offer I had signed up for was for up to 100K “Miles”: Earn 100K with $20K spend in 12 months, or still earn 50K with $3K spend in 3 months. By some miracle, I got in on the 100K Venture offer despite the fact that Capital One had rejected all of my previous card applications year after year. ![]() Best for low interest: DCU Visa® Platinum Secured Credit Card (Membership to the Digital Federal Credit Union is required.In April, I was super excited when Capital One finally approved me for a credit card.Best for low deposit: Capital One Platinum Secured Credit Card (see rates and fees ).If you anticipate having a difficult time getting approved for a credit card and want to see what your bank can offer, it may help to know what CNBC Select ranked as the best credit cards for bad credit, fair and average credit and for building credit. You should compare any card offer with what is advertised online or any offer you may have received in the mail. Remember, applying for new credit requires a hard inquiry on your credit report, which can temporarily ding your credit score a few points. Once you ask a representative at your bank about opening a credit card, you'll want to first review any card offers before officially applying. The more recent your financial troubles, the less of a guarantee that your creditor may be as flexible as you might like." "That credit issuer may be more likely to consider your recent account history with their credit card as an overriding factor against other past credit setbacks related to other accounts. "This may be especially true if you have a less than stellar credit history but have an account in good standing," McClary says. It's always smart to shop around for the best credit card based on your credit score and your financial capacity, but Bruce McClary, a spokesman for the National Foundation for Credit Counseling (NFCC), tells CNBC Select that there are some circumstances where you may have extra incentives to start with the financial institution where you already have an account. Visiting the bank where you already have an account with may help your chances of getting approved for a credit card because they already know you and may feel more confident extending you a line of credit, especially if this is your first credit card. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score. ![]() Best Loans to Refinance Credit Card Debt.
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