You can typically have up to five Capital One credit cards at a given time, according to customer service. This limitation concerns both regular credit cards and co-branded credit cards. However, the exact number of Capital One credit cards you can have ultimately depends on your credit history, your income, any potential debt you might have, and which cards you already hold.
Here’s how to combine Capital One credit cards:
It is worth noting that Capital One offers some of the best rewards potential in the credit card game. A popular combo is the Capital One Venture Rewards Credit Card paired with the Capital One SavorOne Cash Rewards Credit Card. You can use the Capital One SavorOne to maximize your rewards on food and entertainment purchases, and the Capital One Venture card for everything else.
Both cards also come with a good signup bonus. Capital One SavorOne offers $200 for spending $500 in the first 3 months. With Capital One Venture, you earn 75,000 miles for spending $4,000 in the first 3 months. Capital One SavorOne has a $0 annual fee and Capital One Venture’s annual fee is $95.
This answer was first published on 06/03/22 and it was last updated on 01/15/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
How many Capital One cards can I have? Cardholders can have up to five open personal credit card accounts, but this may vary based on the specific cards held and the cardholder's account standing.
What is the Capital One 2 card rule? ›
The 2/3/4 rule: According to this rule, applicants are limited to two new cards in a 30-day period, three new cards in a 12-month period and four new cards in a 24-month period. The six-month or one-year rule: Some issuers may only let borrowers open a new credit card account once every six months or once a year.
Is it good to have multiple Capital One credit cards? ›
If you're wondering how many credit cards you should carry, there's no one-size-fits-all answer. Some experts recommend two or three accounts, as long as you use them responsibly.
What is the hardest to get a Capital One card? ›
Capital One Venture X Rewards Credit Card
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395. You get a lot in return, though.
What is the maximum limit for Capital One? ›
Capital One balance transfer cards offer credit limits up to £8,000.
What is the Capital One 1 6 card rule? ›
Capital One restricts customers to one personal and business card approval every six months. This shouldn't be too restrictive, considering Capital One doesn't have the same extensive card line-up as American Express, Chase or Citi.
What is the 2 3 4 rule for credit cards? ›
According to cardholder reports, Bank of America uses a 2/3/4 rule: You can only be approved for two new cards within a 30-day period, three cards within a 12-month period and four cards within a 24-month period.
Is 7 credit cards too many? ›
Too many credit cards for most people could be six or more, given that the average American has a total of five credit cards. Everyone should have at least one credit card for credit-building purposes, even if they don't use it to make purchases, but the exact number of cards you should have differs by person.
Can I have 4 Capital One credit cards? ›
How many Capital One cards can I have? Cardholders can have up to five open personal credit card accounts, but this may vary based on the specific cards held and the cardholder's account standing.
Does Capital One automatically increase credit limit? ›
Yes, credit limit increases can happen automatically if your information is kept up to date, like employment status and total annual income. Cardholders in good standing (e.g. good credit score, consistent on-time payments) may also receive an automatic credit limit increase once or twice a year.
Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard. Your credit score is only one of the many factors that determine your credit approval odds. The best way to know if you'll qualify is to get pre-approved. It's quick, easy and won't hurt your score.
How does Capital One decide credit limit? ›
Lenders determine your credit limit by examining your credit history and financial information. You can typically only spend up to your credit limit until you repay some or all of your balance. Spending more than your credit limit could result in penalties.
What is the highest credit limit on a Capital One Platinum card? ›
The Capital One Platinum credit limit can be as high as $3,000 according to online cardholder reports, but it will depend entirely on the specifics of each applicant's credit and their overall financial situation. Most cardholders get credit limits of at least $300, though.
How many Capital One cards can I have? ›
You can hold up to five open personal credit accounts with the issuer, but there may be limitations depending on the length of your account history and which cards you hold. For example, Capital One may only allow you to have one or two personal cards but allow you to carry other business credit cards.
Does Capital One have a credit card rule? ›
Capital One also has a hard-and-fast rule when timing your applications. You're only able to get approved for one card every six months.
What is the 5/24 rule for Capital One credit cards? ›
The most important rule to consider in collecting points is the “5/24 rule.” The rule is simple: If you get 5 personal credit cards in any 24-month period, you're automatically prohibited from getting a 6th Chase or Capital One card.
What is the 2 90 rule for credit cards? ›
1-in-5 rule: This states that you can only apply for one American Express card every five days. 2-in-90 rule: You can only be approved for up to two American Express cards within a 90 day period.
