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Author - Sam
Updated: February 26, 2024 | Credit Card Review The card_name is a great card for the everyday mom. The card earns unlimited 3% cashback on dining, entertainment, popular streaming services, and grocery stores (excluding Walmart and Target). Plus 1% cashback everywhere else. Benefits include no foreign transaction fees, price protection, purchase protection, extended warranty protection, auto rental insurance, trip cancelation insurance, and more!
- Recommended credit: Excellent credit is usually needed
- Max cards: Capital One will only let you have a maximum of 2 personal Capital One branded credit cards. (This excludes co-branded credit cards like the Capital One Walmart Rewards Card.)
- You can only get approved for 1 Capital One card every 6 months (not always enforced)
- Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
- If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion)
- Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Capital One will only approve you for one credit card application within every six months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
- Check application status: You can check your application status by calling 1 800 903 9177 or 1 877 277 5901
- Reconsideration: If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $300-$50,000
Avg. Credit limit$5,847
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
- Balance transfer fee: 3% for the first 15 months (which you will receive the Intro APR). There is no fee for balance transfers done after the first 15 months
- You cannot transfer balances from other credit cards issued by Capital One, NA
- No penalty APR
Worldwide secondary coverage for collision damage and theft on rentals. Coverage is for rentals up to 31 days. Covers vehicle with MSRP up to $50,000.
Get your original manufacturer’s warranty time doubled. (Will only cover if the original warranty is for 2 years or less). Max $10,000 per claim.
Get up to $1,500 per person for lost or damaged luggage.
If your baggage is delayed for 4+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
If you buy an item and then within 120 days find the identical item for cheaper at any US retailer, then you will be reimbursed the difference. Up to $500 per item and up to 4 claims per year.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $25,000 per year.
Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $1,000,000 in compensation.
Coverage for canceled or interrupted travel (airfare only) due to an unforeseen medical emergency etc. Max $1,500 per trip.
The points can be redeemed as cashback for 1 penny per point.
If you only have the card_name then you cannot transfer your points to any partners.
But if you also have a Capital One Miles card, such as the: card_name, card_name, card_name, card_name, or the Capital One Spark Miles Select Business Card then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.
Airline partners:
| Transfer Ratio | Transfer time | |
| Aeromexico, Club Premier | 1:1 | Instant |
| Air Canada, Aeroplan | 1:1 | Instant |
| Air France KLM, Flying Blue | 1:1 | Instant |
| Avianca, Lifemiles | 1:1 | Instant |
| British Airways, Executive Club | 1:1 | Instant |
| Cathay Pacific, Asia Miles | 1:1 | 5 business days |
| Emirates, Skywards | 1:1 | Instant |
| Etihad Guest | 1:1 | 24 hours |
| EVA Infinity, MileageLands | 2:1.5 | 36 hours |
| Finnair Plus | 1:1 | Instant |
| Qantas, Frequent Flyer | 1:1 | 24 hours |
| Singapore Airlines, KrisFlyer | 1:1 | 36 hours |
| TAP Portugal, Miles&Go | 1:1 | Instant |
| Turkish Airlines, Miles&Smiles | 1:1 | Instant |
Hotel partners:
| Transfer Ratio | Transfer time | |
| ALL Accor | 2:1 | 1 business day |
| Choice Privileges | 1:1 | Transfers will not be available until later on this year |
| Wyndham Rewards | 1:1 | Instant |
