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Author - Sam
Updated: February 26, 2024 | Credit Card Review The card_name will give you rewards on all purchases at 1.25 miles per dollar spent which you can then redeem on flights, hotels, and more. It has pretty comprehensive benefits for a non annual fee card including no foreign transaction fees, lost luggage insurance auto rental insurance, and more.
- Recommended credit: Good 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 $500-$15,000
Avg. Credit limit$4,538
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). After that its a 4% fee
- You cannot transfer balances from other credit cards issued by Capital One, NA
- No penalty APR
Get one additional year to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.
Get up to $3,000 per person for lost or stolen luggage. Max $2,000 for NY residents. This benefit is only available for cardholders that get approved for a credit limit of $5,000 or more.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $500 per claim, $50,000 per account. This benefit is only available for cardholders that get approved for a credit limit of $5,000 or more.
Get roadside service calls dispatched for free. You will have to pay a set service fee per call.
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 $250,000 in compensation.
The miles can be redeemed as cashback for half a penny per mile.
You can redeem 1 penny per mile on Capital One Travel, to book flights, car rentals, hotels, and more.
You can transfer your miles to any of the following Capital One Travel 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 |
You can also pay for travel purchases on your card and offset the purchases with miles . You can get 1 penny per mile. So for example, a $100 hotel stay charged on your card can be paid back using 10,000 miles.
