Overall card rating
4.4
from Credit Karma members
Most helpful positive review
Credit Karma Member
This is my first unsecured credit card since declaring bankruptcy. I had to apply twice before getting approved for it. The first time, I didn't meet their Income threshold. The second time, I was approved for a 500 limit. Still too soon to see any major changes to my Scores 601 to 607, as of August 2022.
Most helpful negative review
Credit Karma Member
Suppose to be No Fee!!!!! Lies!!!
Member ratings
All member reviews (2032)
5 stars
1216
4 stars
324
3 stars
100
2 stars
61
1 stars
331
Credit Karma Member Unsecured $500 limit CC. Approved with the following scores. Credit Karma Displayed TransUnion: 570's Credit Karma Displayed Equifax: 660's Capital One Displayed "Creditwise": 540's
Credit Karma Member
Credit Karma Member Card was okay for my small limit of $500. I would pay it off in full everytime I used it to avoid debt. Not even 2 months after having the card, they closed the account unexpectedly which dropped my credit score over 70 points. I was new to building credit so this really hurt my score. Now I am rebuilding my credit score below average at 650. Stay away!
Credit Karma Member They give you a credit card and then they punish you for using it every time you use it your credit goes down you make on Time payments and you're score still goes down, why do they give you a limit if you're not allowed to use it again you get punished for having a credit card and you get punished for making lunchtime payments
Credit Karma Member I'm disabled with seizures and it took me years to rebuild my credit. In 2021 I finally got my score up to 720 and applied for this card. I was approved, but after I looked closer at the interest rate I decided not to proceed with the deposit. Well guess what? Simply changing my mind dropped my credit score ONE HUNDRED AND SEVEN points! My credit is ruined! All I did was change my mind and years of hard work and responsible payments were flushed down the toilet. Disgusting!
Credit Karma Member I got this credit card through Experian and it was to raise my credit score it didn’t. It actually went down.
Credit Karma Member Beware !! Fees!! Fees!! I was charged $10 for a Venmo transaction.
Credit Karma Member Credit karma said I had poor chances of getting approved but applied anyways and was approved with $1,000 limit and my credit score was in the 560's I also have capital one secured card of $200 and pay that off multiple times a month so I don't know if that helped me get this unsecured card or not but either way I was approved with a low credit score
Credit Karma Member CK stated I had a outstanding chance on getting approved and nope! Totally denied!
Credit Karma Member This card literally saved my finances. When was younger I didn't care about credit, racked up collections and my score was abysmal. I didn't use credit for sometime and my score leveled off to 600. This was the second card I applied for (PayPal Credit approved me first) and since I've had it, and used it responsibly my score has gone up 200 points. Thanks to this card, and Capital One for giving me a chance at redemption. I now have excellent credit and don't use this card much
anymore, but if you're in a similar situation like I was, and just need someone to give you a chance... This is the card for you. They will give you a low credit limit, but just buy or pay one bill a month with it, and you'll see your credit on the uptick within a few months!
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