Sign up for the
Builder Program
and start your
journey towards
better credit!

Step 1: Account Set Up
256-bit SSL encryption — your info is safe

Let's set up your online account first

6–32 characters, at least one letter and one number, no spaces

6–32 characters, at least one letter and one number, cannot equal your username

Step 2: Personal Information

Tell us a bit about yourself

Your SSN is encrypted and never stored in plain text
Date of Birth
Step 2: Personal Information

How can we get a hold of you?

Step 2: Personal Information
$ $

Now a bit about your finances

† Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.

Step 4: Terms and Agreement

As a Starter Card customer, I understand and agree to the following program rules and terms.

Step 3: Identity Verification

Please select two security questions.
This allows us to provide you with your credit information from CreditWise.

Choose Question 1
What was the name of your first pet?
What city were you born in?
What is your mother's maiden name?
What was the make of your first car?
What was the name of your elementary school?
Choose Question 2
What street did you grow up on?
What is your oldest sibling's middle name?
What was the name of your childhood best friend?
In what city did you meet your spouse?
What is your favorite sports team?
Step 3: Identity Verification

Let's verify your identity.
Which of the following accounts do you have?

Step 3: Identity Verification

At which of the following addresses have you lived?

WooHoo!
You're approved!

You will receive your Builder Program credit card in 7–10 business days. Once you receive it, you'll download the Capital One Builder Program app and activate your card.

Capital One

Credit Score Goal

Your current credit score is 560.
What's your goal credit score?

Choose Your Financial Goal

With a score of 680, you could:

Get Premium Cards
Get Rewards Cards
Get a Home Loan
Get an Auto Loan
Get Approved for Housing
HIGH
680
YOUR SCORE ▶
560
LOW
Capital One

Credit Card Activity Goals

You want to get to 680. This is how you're going to do it.

How much do you plan on spending each month?

$80
$1$100

How much of your balance do you plan on paying each month?

$63
$25$80
Utilization
80%
BELOW AVG

In addition to paying on time, available credit has a very high impact on your credit score.

Link your checking account to allow Capital One to verify your financial information

Choose Bank

C1
CapitalOne
capitalone.com
360
CapitalOne 360
capitalone360.com
Bank of America
bankofamerica.com
Chase
chase.com
PNC Bank
pnc.com
TD
TD Bank
tdbank.com
US
US Bank
usbank.com
WELLS
Wells Fargo
wellsfargo.com

Phases 1–4 Complete!

Batch 3 (Link Bank Account + Dashboard) coming next.

Capital One
JD
Builder Card ...8465
$ 79 .55
Current Balance
$ 20 .45 Available Balance
Payment Due Jun 23
Pay Bill
Payment Activity
Your Progress
MAR
APR
MAY
JUN
JUL
AUG
SEPT
Your Credit Score:
575
GOOD
Current Utilization:
80%
BELOW AVG
Slide to Pay $79.55
Recent Transactions
View All
Williams Eatery
Dining
$35.22
Jun 25
Kohls
Clothes
$11.31
Jun 14
ELECTRONIC QUICK PAYMENT
Payment
-$10.00
Jun 12
McDonald's
Fast Food
$7.18
Jun 10
$29.55 over spending goal
ACE Hardware
Home Improvement
$18.76
Jun 5
Pay your bill
Pay from:
Checking account ending in ...8701
Payment amount:
$56.00
Minimum paymentPayment GoalSuggested Payment
$79.55 current balance
Payment impact:
Interest paid
$1.83
GOOD
Utilization
80%
BELOW AVG
Alert
⚠️
This is your second month carrying a balance
Slide to Pay $56.00
Capital One
JD
Builder Card ...8465
$79.55
Current Balance
$20.45 Available Balance
Payment Due Jun 23
Pay Bill
Payment Activity
Your Progress
MAR
APR
MAY
JUN
JUL
AUG
SEPT
Your Credit Score:

At this time, you have too little credit on which to report. Check back frequently to see when you do! Learn more about your credit

Current Utilization:
80%
BELOW AVG
Slide to Pay $79.55
Recent Transactions
View All
Williams Eatery
Dining
$35.22
Jun 25
Kohls
Clothes
$11.31
Jun 14
ELECTRONIC QUICK PAYMENT
Payment
-$10.00
Jun 12
McDonald's
Fast Food
$7.18
Jun 10
$29.55 over spending goal
ACE Hardware
Home Improvement
$18.76
Jun 5
Pay your bill
Pay from:
Checking account ending in ...8701
Payment amount:
$56.00
Minimum paymentPayment GoalSuggested Payment
$79.55 current balance
Payment impact:
Interest paid
$1.83
GOOD
Utilization
80%
BELOW AVG
Alert
⚠️
This is your second month carrying a balance
Slide to Pay $56.00
Capital One
JD
Builder Card ...8465
$79.55
Current Balance
$20.45 Available Balance
Payment Due Jun 23
Pay Bill
Payment Activity
Your Progress
MAR
APR
MAY
JUN
JUL
AUG
SEPT
OCT
NOV
DEC
JAN
FEB
MAR
APR
Your Credit Score:
575
GOOD
Current Utilization:
80%
BELOW AVG
Slide to Pay $79.55
Recent Transactions
View All
Williams Eatery
Dining
$35.22
Jun 25
Kohls
Clothes
$11.31
Jun 14
ELECTRONIC QUICK PAYMENT
Payment
-$10.00
Jun 12
McDonald's
Fast Food
$7.18
Jun 10
$29.55 over spending goal
ACE Hardware
Home Improvement
$18.76
Jun 5
Pay your bill
Pay from:
Checking account ending in ...8701
Payment amount:
$56.00
Minimum paymentPayment GoalSuggested Payment
$79.55 current balance
Payment impact:
Interest paid
$1.83
GOOD
Utilization
80%
BELOW AVG
Alert
⚠️
This is your second month carrying a balance
Slide to Pay $56.00
JD
🐷🏠💳🔐💵

You Missed
Your Payment!

Making every payment for 6 consecutive months was a requirement for graduation from the Builder Program.

But we believe in second chances!

JD

What's Happens
Next ...

We know you can succeed but we need to make sure we're in this together. We'll give you one more chance, but the number of on-time payments will be extended by another six months.

JD
🐷🏠💳🔐💵

Moving Forward

In addition to extending the timeline to graduation, we'll try and help as much as possible by sending you more frequent reminders and check-ins along the way.

Capital One
JD
Builder Card ...8465
$79.55
Current Balance
$20.45 Available Balance
Your payment is overdue
Pay Bill
Payment Activity
Your Progress
MAR
APR
MAY
JUN
JUL
AUG
SEPT
OCT
NOV
DEC
JAN
FEB
MAR
APR
Your Credit Score:
575
GOOD
Current Utilization:
22%
GOOD
Slide to Pay $79.55
Recent Transactions
View All
Williams Eatery
Dining
$35.22
Jun 25
Kohls
Clothes
$11.31
Jun 14
ELECTRONIC QUICK PAYMENT
Payment
-$10.00
Jun 12
McDonald's
Fast Food
$7.18
Jun 10
$29.55 over spending goal
ACE Hardware
Home Improvement
$18.76
Jun 5
Pay your bill
Pay from:
Checking account ending in ...8701
Payment amount:
$56.00
Minimum paymentPayment GoalSuggested Payment
$79.55 current balance
Payment impact:
Interest paid
$1.83
GOOD
Utilization
22%
GOOD
Alert
⚠️
Payment overdue — act now
Slide to Pay $79.55