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Step 1
Determine what type of credit you have. Capital One has a scale with which it determines rates and you can apply for different cards throughout that range. However, knowing how good (or poor) your credit is will help you decide what card to apply for.
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Step 2
Go to the Capital One website, listed below.
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Step 3
Ignore all the loan offers on the main page and click on the blue "Credit Cards" tab at the top.
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Step 4
Don't get sucked into the game of viewing only the most popular cards. Instead, click the tab up top that says "Compare All Cards." This will give your the full list of cards, credit rating types, perks and interest rates.
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Step 5
Break down the list according to your credit rating. You can do this by clicking on the box which corresponds to your level of credit.
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Step 6
Peruse the interest rates of all the cards within your category. Unless you will be using the card for one specific expense, such as travel, major purchases, etc., the interest rate should be your deciding factor.
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Step 7
Compare the perks of each card if stuck between two cards with the same interest rate. If one offers something you'll use and the other offers something you never will, this will make the choice easier.
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Step 8
Press the green "Apply Now" button next to the card you choose.
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Step 9
Review all terms and conditions via the link at the bottom of the application. If you're happy with the terms, continue to Step 10.
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Step 10
Complete the application. Press "Continue."
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Step 11
Review your information and all disclosures and submit.
