⚠️ Use credit cards responsibly!

🔥 Wow! Earn 100,000 points! Details

Advertiser Disclosure

Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

Close

Capital One Adds 48-Month Language To Many Cards

There used to be no restrictions for getting the bonus on the same Capital One cards multiple times.

The official terms used to state that “The bonus may not be available for existing or previous account holders”. But in real life it was not enforced. They easily approved the same card again and gave the welcome bonus as long as you currently did not have the same card open.

New 48-month rule

This has unfortunately changed. New terms on Capital One cards state that if you received the bonus within 48 months you are not eligible to receive the bonus again.

The only bright side here is that these rules are per card, not per family of cards. So for example, the Venture and Venture X are still considered two separate products and you are eligible to receive the bonus on each.

Which cards have the new rules?

The following cards have the new 48 month rules

card_name

card_name

card_name

Savor Rewards from Capital One

card_name

card_name

card_name

card_name

Surprisingly, the business cards do not have the new rule (yet)

Capital One did not add the new 48-month rule to any of their business cards. You can still get the signup bonus on a business card even if you received the bonus in the past

Here are the welcome bonuses available on Capital One business cards:

Capital One Spark Cash Plus

Earn $1,200 after spending $30,000 within the first 3 months.

card_name

Earn $500 after spending $4,500 within the first 3 months.

card_name

Earn 50,000 bonus miles after spending $4,500 within the first 3 months.

Capital One Spark Miles Select Business Card

Earn 50,000 miles after spending $4,500 within the first 3 months.

Let CardRight keep track of these rules for you

Do these rules confuse you? Luckily, our new app can keep track of these rules for you.

One of the features of our new app is that it keeps track of all the different rules set by banks regarding card eligibility or welcome offer eligibility. We already updated our app with the new Capital One 48-month rule. So if you received a welcome bonus on the Capital One cards affected by the new rule then the card will be excluded from your search results for the next 48 months.

Did you already download our app?

Download it here:

Today's best offers

The Business Platinum Card from American Express

Earn 250,000 points after spending $20,000 within the first 3 months.

More

Capital One Spark Cash Plus

Highest ever!! Earn $2,000 after spending $30,000 within the first 3 months. Plus, earn an additional $2,000 for every $500,000 you spend during the first year. You can earn the bonus unlimited times over the course of the first year!

More

United Business Card

Earn 100,000 miles after spending $5,000 within the first 3 months.

More

Was this article helpful?

 

 

avatar_logo
Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

Leave A Comments

This site uses Akismet to reduce spam. Learn how your comment data is processed.

0 Comments

The smarter way of keeping track of your cards
Now available on Android and iOS
Get our app on

Today's best offers

The Business Platinum Card from American Express

Earn 250,000 points after spending $20,000 within the first 3 months.

More

Capital One Spark Cash Plus

Highest ever!! Earn $2,000 after spending $30,000 within the first 3 months. Plus, earn an additional $2,000 for every $500,000 you spend during the first year. You can earn the bonus unlimited times over the course of the first year!

More

United Business Card

Earn 100,000 miles after spending $5,000 within the first 3 months.

More
The smarter way of keeping track of your cards
Now available on Android and iOS
Get our app on

You May Also Like

New Offers On Delta Cards – Earn 80k-110k Bonus Miles!

New Offers On Delta Cards – Earn 80k-110k Bonus Miles!

Amex released new welcome bonuses on the Delta cards. Check them out! Select card Amex Gold Delta remove Select card Gold Delta Business remove Select card Amex Platinum Delta remove Select card Platinum Delta Business remove Select card Delta Reserve remove Select...

read more
Credit Card Information: The Basics You Need To Know

Credit Card Information: The Basics You Need To Know

Managing your credit is an essential part of personal finance, and credit cards can be a useful tool to help with that. However, if you’re new to credit or trying to improve your score, it can feel overwhelming. Thankfully, there are websites that build credit by...

read more
The Best Credit Cards For Groceries [2025]

The Best Credit Cards For Groceries [2025]

There is no way to avoid the grocery, unless you decide to go hungry… But you can at least choose a credit card to use at the grocery so that you can earn rewards on your purchases. Here are the best ones.

read more
6 Credit Cards That Still Offer Price Protection [2024]

6 Credit Cards That Still Offer Price Protection [2024]

You might be shopping for gifts and home decor now more than usual, and price protection can come in as a very useful tool. Price protection matches a cheaper price on a product you buy and find for less on the same, or even on a different website, within a given...

read more
success_icon

Download link sent
succesfully

Got it * please check your promotional inbox
fail_icon

Error sending download link

Try Again