![]() So, while it will be cheaper to transfer a balance, the higher rates on the Capital One Journey. ![]() On the other hand, while Discover’s rate is 17.74 26.74 Variable APR, Capital One has set its rate at a hefty 29.99 (Variable). The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change. The bottom line: Capital One stands out with one of the best combinations of online bank perks no checking or savings fees, a competitive savings rate and high CD rates. For example, Discover only has a 3 balance transfer fee for a limited time, then it will revert to a 5 fee. Here are the main steps to obtain pre-approval for a Capital One credit card: 1. 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.ĬreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web. In summary, obtaining pre-approval for a Capital One credit card involves checking your credit score, gathering the necessary documentation, submitting a pre-approval application, waiting for a response, and reviewing the offer and terms. ![]() The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Your CreditWise score can be a good measure of your overall credit health, but it is not likely to be the same score used by creditors. Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC.Ĭapital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. For specific advice about your unique circumstances, consider talking with a qualified professional. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you.
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