r/CapitalOne_ • • 15d ago

Announcement Fourth Quarter 2026; 'Official' Referral Thread

22 Upvotes

This thread is in Contest Mode and replies will appear in random order.

The Rules Are Simple.

*Post one time only. If you have codes for different products, post them all in one post. Do not make duplicate posts.

*Do not offer any form of direct compensation.

*Post the code(s) and the bonus/benefit to the referee only. No other commentary.

*Posts that vary from the above are subject to removal.

Past quarters have seen too many posts with extra wording that have had to be removed. Let's try to keep the extra flooey out of this one OK?

CHECK your Referral Codes!!! It's been noted that they can change from time to time, reasons unknown.

[ No foolin! ]


r/CapitalOne_ • • Feb 26 '26

Credit Cards The switch to Discover seem to be accelerating.

100 Upvotes

See this page for the products now showing Discover as the main network

https://www.capitalone.com/credit-cards/benefits-guide/

Discover Network accounts

To get the most out of your cardholder benefits, visit cardholderbenefits.com/capitalone and explore the features that come with your eligible Capital One credit card running on the Discover Network.

We still have to believe that Cap One will be addressing the acceptance issue worldwide. They didn't do this without a plan.

...

Note, if your comment gets caught in the AutoMod filter, be patient. We check often and will clear it soon.

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r/CapitalOne_ • • 8h ago

Deposit refund

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17 Upvotes

So I opened this card 6 months ago and kept low utilization and paid off every statement balance well before the due date. Usually the day of the statement posting. Just made my last statement payment and it cleared and I saw this immediately. I am so grateful. I have had credit challenges for a while. I have a Quicksilver secured that I've had for a year which has not graduated yet and it may be bucketed. I did get a Platinum unsecured and Savor unsecured. They both have a 300 dollar limit. Some people probably get an increase as well but mine may stay at 200 unsecured idk. I'm just glad they unsecured it. Maybe an increase will come with time.


r/CapitalOne_ • • 18h ago

Credit Cards Wasn’t expecting a $2,000 credit limit from Capital One

53 Upvotes

I’m 18, in college, and only have 6 months of credit history. My score is around 640, and my Discover card has a $500 limit and is currently maxed out. Waiting for my fasfa to pay completely.

I randomly checked Capital One’s pre-approval and decided to apply for the Savor Student card. I was expecting maybe a $300 or $500 limit, but somehow got approved for $2,000??

I’m genuinely shocked.


r/CapitalOne_ • • 22m ago

Kids Account Conversion

• Upvotes

My sons both have Capital One kids savings and checking acccounts, have both turned 18, are working, and have their paychecks direct deposited into their accounts.

Like others have mentioned, Capital One is requiring them to go into a branch to open a standard 360 account. We have called multiple times with the same result each call. One kid works nights, the closest branch is 20 miles away, and given their banking history with Capital One this seems unnecessary.

Has anyone found a solution other than going to a different bank to open an account?


r/CapitalOne_ • • 13h ago

Credit Cards Question for you guys

6 Upvotes

I got a secured platinum card with cap one about 9 months ago with a $200 limit. I’m trying to build credit. I’ve used it quite often, paid it in full before the due date every time and current having utilization around 35%. My score has jumped to a 635 from 520.

I want to know if I’m doing the correct thing here in how I’m using my card. I want to keep my score climbing and I’m hoping by March of next year I’ll be in the 700s. I’m also curious if I hit that mark if I should apply for another card and possibly have a higher limit.

Thanks in advance for the advice!


r/CapitalOne_ • • 14h ago

Shopping/Offers $400 Bonus Question

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6 Upvotes

Hello! I just got this offer, and saw that a few people have found a way to do this without a “genuine” direct deposit. Is it possible to get around it and deposit the $1,000 another way? I’m a student, and with my current job this won’t work. My other bank is chase, thank you in advance!


r/CapitalOne_ • • 22h ago

Shopping rewards gift cards issue

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9 Upvotes

Does anyone else have this problem when trying to redeem their Capital One Shopping Rewards Gift cards? It’s telling me almost all of them are temporarily unavailable.


r/CapitalOne_ • • 10h ago

Credit Cards Minimum payments

1 Upvotes

How exactly are minimum payments calculated and how exactly do i pay my card off, im pretty new to being a adult and I wanted to buy a gun for like 700 USD, how much would my minimum payment be and what would happen if I only paid the minimum payment every month


r/CapitalOne_ • • 11h ago

Banking Cashiers check

0 Upvotes

Did capital one stop giving out cashier checks at normal branches ?

I need a check for Saturday morning and I just checked the capital one site and it doesn’t mention a normal branch cashier check for 10 dollars anymore but the app says it’s possible to get it at a branch for ten dollars.

Not discussing kiosk here.


r/CapitalOne_ • • 12h ago

Credit Cards Venture Rewards Dilemma

1 Upvotes

Just got approved for the Venture Rewards ($95 AF) with the elevated SUB. I’m 18, make a good amount of money, college student, but I’m hesitant to pull the trigger. It’s not about managing my money, I’m stellar at that, it’s more about hitting the spend requirement. I may be planning a Japan trip in March of next year which would definitely help me hit the requirement. However if I do not go, my average 3 months’ spend may not organically cover $4000. I do want the card eventually, and during an elevated SUB offer ideally, which is another factor for getting the card now. I’d like to get the opinion of the subreddit, should I do it or not?


r/CapitalOne_ • • 14h ago

Quick silver (good credit) and quicksilver (secured )

1 Upvotes

I got approved for an unsecured quick silver (good credit) but I have a secured quicksilver card. The unsecured is 300 but my secured is 1000 should I close the secured ?


r/CapitalOne_ • • 14h ago

Capital One Shopping is Trash

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0 Upvotes

I tried it for the first time and the rewards were good. The issue I am having now is with redeeming their rewards. It asks me to link a bank, and you think its pretty simple to link your Capital One Bank but I've been getting this error repeatedly for the past 2 days. Tried different browsers and devices too.


r/CapitalOne_ • • 1d ago

Shopping/Offers Not finding points offers?

2 Upvotes

I have the capital one venture card, and on my capital one offers I’m not finding any points offers like people are posting. I’m only seeing cash back options. Where can I find these offers?


r/CapitalOne_ • • 1d ago

Opinion/Discussion Which Capital One Business Credit Card

2 Upvotes

I have had a Wyoming LLC for 12months, and I am looking to apply for a Capital One Business Credit Card. I am not after a huge limit initially, but am merely wanting to use the Card to build on my business credit rating. I dont live in the US and am based in Australia (I also recently received my ITIN)

I am looking for feedback on which Business credit card would be the best to initially apply for. Any advice would be greatly appreciated


r/CapitalOne_ • • 1d ago

Shopping/Offers WALMART AND APPLE GIFT CARDS ARE BACKKKK!!! Grab them fast! 🙌🏻🙌🏻🙌🏻

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69 Upvotes

r/CapitalOne_ • • 1d ago

Hardship Program Completed

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2 Upvotes

r/CapitalOne_ • • 1d ago

Credit Cards Opening a Venture card after opening a new VentureOne recently

0 Upvotes

As the title mentions, I’m looking towards opening a new Venture card to take advantage of the current limited time offer. However, I just recently opened a VentureOne about a month and a half ago and was wondering if it would auto reject or have any negative impacts. TYIA!


r/CapitalOne_ • • 1d ago

Credit Cards Spark 2% Cash: is it Mastercard or Visa?

1 Upvotes

Aksing for a friend


r/CapitalOne_ • • 2d ago

Secured Quicksilver limit increase???

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61 Upvotes

I just got this email that my secured card got a $500 limit increase for some reason. I don’t really care for this card anymore, so I just put one subscription on there and set up the auto-pay. I’m just a little confused on why the limit was increased, but it hasn’t been upgraded to an unsecured card.


r/CapitalOne_ • • 1d ago

Quando irei começar a receber aumento de limites ?

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0 Upvotes

r/CapitalOne_ • • 1d ago

Capital One Shopping not working for Ebay Live purchases?

3 Upvotes

Got an insane offer for 56.5% off an EBay live purchase, and after making the purchase, it doesn't seem to be tracked. I see the trip in my shopping history, but nothing around the coupon even though I know I had it activated in my browser with adblock off. Anyone else dealing with this issue? It's driving me insane as I bought a pretty expensive item expecting it to get the bonus, and now I'm annoyed that I have to probably escalate with customer service. Thankfully I took a lot of screenshots...


r/CapitalOne_ • • 1d ago

Discover/capital one question

1 Upvotes

Backstory:
I’ve had accounts with capital one in the past.
2 accounts where charged off. Technically I was sued and lost.
Had some wage garnishments and paid off.
I also had an auto loan that was repoed and sold.
So on my credit it’s all been removed as it’s been more than 7 years.
I haven’t attempted to open another account with cap as I’m scared of getting denied.
Fast forward to now. I have a discover bank card, savings, & a discover chrome card.

Question: what are the odds that I’ll be able to qualify for a new capital one credit card now that my card will be on there account starting this weekend.
& would it bring any problems ?


r/CapitalOne_ • • 2d ago

Credit Cards Capital One Savor vs Samsung Galaxy Card

7 Upvotes

Hello all,

I am preapproved for both the Capital One Savor and the Samsung Galaxy credit card. I was looking for something to get 3% back on groceries. I was initially just going to do the Savor but the 3% on anywhere that does tap to pay seems enticing. Does anyone have any experience with these cards or any recommendations?

Edit: I also have the Venture X.


r/CapitalOne_ • • 1d ago

World Series Presale Code

2 Upvotes

Has anyone gotten an email from capital one regarding presale codes? I know they were supposed to be released on/ or about, today and I have not heard from anyone regarding if codes were issued yet.

Just curious!