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
Updated: August 15, 2018
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

Depending on the Capital One credit card you currently hold, you may already be at your maximum credit limit. In this case, the best way to get a better limit from Capital One may be to go with a new card, perhaps one marketed toward a better credit score demographic. Here are some of our favorite Capital One card offers.

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

4.8/5.0
  • 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 from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • 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
18.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
14.74% - 24.74% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 months
N/A
14.74% - 22.74% (Variable)
$0
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.24% - 25.24% (Variable)
$0 intro for first year; $95 after that
Excellent, Good

EXPERT'S RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.74% - 24.74% (Variable)
$0
Excellent, Good

+ 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