credit card advice
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.
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:
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% 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 | 13.49% - 23.49% (Variable) | $0 | Excellent, Good |
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- 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 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; 14.49%-24.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
0% for 15 months | 0% for 15 months | 14.49% - 24.49% (Variable) | $0 | Excellent, Good |
- 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
- Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
- Fly any airline, stay at any hotel, anytime
- Travel when you want with 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 | 14.49% - 24.49% (Variable) | $0 intro for first year; $95 after that | Excellent, Good |
- 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 | 18.49% (Variable) | $0 intro for first year; $95 after that | Excellent, Good |
- 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 from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- $0 intro annual fee for the first year; $95 after that
- There's no limit to the amount of miles you can earn
- Redeem miles for travel, cash back, gift cards and more
Intro (Purchases) | Intro (Transfers) | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
N/A | N/A | 18.49% (Variable) | $0 intro for first year; $95 after that | 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
Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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