6 Expert Tips → How to Increase Credit Limit (Capital One)

6 Expert Tips → How to Increase Credit Limit (Capital One)

credit card advice

Ashley Dull
By: Ashley Dull
Posted: December 10, 2015
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

You can easily request a credit limit increase on your Capital One credit card(s) online or over the phone. You may also select and apply for a new, high-limit card online. Here are the resources you’ll need to increase your limit:

Call or Login Online  |  Choose a New Card  |  6 Tips from Experts

1. Call a Capital One Credit Analyst or Login Online

1. By phone, call 1-800-955-7070 and choose “More Options” to hear the credit increase option.

2. To do it online, log in to your account and click the “Services” tab.

Screenshot of Capital One website log in.

You will receive an answer to your request within two to three business days.

If you don’t have an online account yet, click “Enroll here” beneath the “Sign In” button. You’ll need your credit card number and security code, date of birth, and social security number. Visit the Capital One Credit Line Increase FAQs page for more information.

2. Choose a New Capital One Card

Your existing Capital One card may have come with a low initial credit limit due to your lack of a preferred credit history. Now that you have your foot in the door with the issuer, it may be time to upgrade your card. Here are links to the Capital One cards known to offer sizable credit limits:

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
12.24% - 22.24% (Variable)
$0
Excellent, Good Credit

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
0% for 9 months
13.24% - 23.24% (Variable)
$0
Excellent, Good Credit

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
13.24% - 23.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

BEST OVERALL RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

BEST OVERALL RATING

★★★★★
4.7

OVERALL RATING

4.7/5.0
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months of approval
  • Miles don't expire, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $59 after that
  • There's no limit to the amount of miles you can earn and miles don't expire
  • Redeem miles for travel, cash back, gift cards and more
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% (Variable)
$0 intro for first year; $59 after that
Excellent, Good Credit

+ See more Capital One credit card offers

3. Read the “6 Expert Tips” for Increasing Limits

Requesting an increase can be kind of nerve-wracking if you’re not sure you’ll be approved. If you decide to contact Capital One to request an increase, we recommend you read this article before doing so:

This article provides six useful tips for increasing your chances of approval and will guide you through the process. You’ll learn what to expect, what you’ll need to have ready, and how to answer the credit analyst’s questions.

Photo credits: capitalone.com