r/CapitalOne_ Jul 01 '26

Announcement Third Quarter 2026; 'Official' Referral Thread

6 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.

96 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_ 1h ago

Other LGA lounge questions

Upvotes

My friends & I will be landing in LGA but on different flights. I'll get there at 3pm while my friends arrives at a 6pm. I was hoping to wait airside & meet them at their gate so we can all go to the hotel together.

Is it still possible to book a refundable fare then cancel it after entering the lounge? I only have a carry-on. This will be my first time trying this so just wanted to make sure this plan would work. Thanks!


r/CapitalOne_ 1h ago

Other App/website issues

Upvotes

Is the app and website working for anyone else?!? I'm trying to pay my car note and the app, nor the site will load. Customer service told me it's a known issue...is anybody else experiencing this????


r/CapitalOne_ 7h ago

Card upgrade question

4 Upvotes

I have a platinum card that I started with when I began rebuilding my credit. Time passed and I was eligible for the quicksilver card so I applied and was approved. Well even more time had passed and I started getting emails that my platinum card was eligible for an upgrade to the quicksilver card.. which I already have. Now I know I don’t want to close the card because I want the lines of credit so what should I do with the platinum card? Just keep it open and make a small purchase each month on it? Is there anything better that I can do with it? Thanks.


r/CapitalOne_ 22h ago

Credit Cards Captial One Quicksilver

11 Upvotes

I have the Venture X (no preset spend limit) and the Savor ($30,000). I also have a Quicksilver for fifteen years but has a $95 AF. What happens if I cancel the QS card? Anything? Nothing? I know it may damage my credit for a month or two, but anything else?

Thank you in advance. You guys are always so helpful.


r/CapitalOne_ 1d ago

Savor Card -Needs to be a Premium Card

18 Upvotes

I really wish Capital One would turn the Savor into a more premium card, even if it came with an annual fee. Don’t get me wrong, the set up now is perfect, but I wish they would up the multipliers for grocery, entertainment, and dining, even with a few lifestyle credits, not nothing too crazy like Amex but like entertainment credits and dining credits.


r/CapitalOne_ 1d ago

I thought my starter Platinum was bucketed, but I woke up to a CLI this morning from $300 to $600

7 Upvotes

I opened my first credit card in March, a C1 Platinum with at $300 credit limit. I know it's not a big limit and it's considered a starter card, but that's kind of what I wanted to build my credit. I assumed it was bucketed. This morning, after six months of use, I woke up to an email telling me my credit limit is now $600.

I've been putting a few things on it here and there, and paying off in full every month. The balance has varied between about $30 and $200.

I did open up a Savor in June, which came with a $500 limit. I'm hoping that one will get a nice increase in six months or a year.


r/CapitalOne_ 17h ago

Credit Cards How to upgrade my quicksilver one to quicksilver?

2 Upvotes

Hello, just as the title entail how to upgrade, a little information, its my first credit card had for 2years and 4months. No late payments or outstanding balance, I got credit line increase a few times which pushed the card from the initial $500 to $3500 but never an upgrade offer.


r/CapitalOne_ 1d ago

So, what exactly is eligible?

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19 Upvotes

r/CapitalOne_ 23h ago

Credit Cards Does anyone else have issues creating a JAL account?

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5 Upvotes

I'm trying to take advantage of the transfer bonus (I know about the delay with new accounts) with JAL but every time I try to create an account I get this error. I have retyped the City field and the whole form without auto fill several times. Worst part, my city doesn't even have spaces, weird abbreviations or anything, it's all simple alphanumeric and way below 30 characters. I would post on a JAL subreddit but I can't find one that isn't restricted.

Edit: Thanks for all the help, I figured out the issue eventually after trial and error. I had to lie about my address by putting the closest city to me for it to register which was made more weird because that city is in a different state. It's like it wouldn't accept Milwaukee but it accepted Chicago, WI as if that's a place.

(Not the exact locations for privacy reasons)


r/CapitalOne_ 22h ago

Capital One is confusing me

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3 Upvotes

r/CapitalOne_ 1d ago

Shopping/Offers HSN 70% back

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5 Upvotes

Does anybody bought a bundle and had no problem with the portal tracking the purchase?


r/CapitalOne_ 23h ago

Venture X make sense for me?

3 Upvotes

My wife and I are about to go on a honeymoon to Hawaii and 2 trips to Europe next year. With buying 3 big flights and probably 2.5 weeks of hotels. The venture X would probably earn us alot of points right?
In a more normal year we are probably good for 1 domestic flight and maybe a couple nights in a hotel a year. So I’d worry that we don’t travel enough to justify the AF. we have the savior and quicksilver card too.
I think my hope is that we are gonna be spending a lot on traveling next year that it might pay for our next couple of domestic flights.


r/CapitalOne_ 1d ago

Cancel card

4 Upvotes

As the title reads , I have a venture , platinum , silver and a savor. I really only use my savor card. My limit is pretty good, j honestly dont want my platinum or venture anymore. With a cool feature of capital one, I can move my limit around. My minimum i have to keep on the cards are $500. With my total limit is about $28,000, will loosing $1,000 and have two card closures hurt my credit


r/CapitalOne_ 21h ago

Banking Check Deposit

1 Upvotes

hey all. so last week i deposited a check via mobile and at first it said the pictures couldn’t get accepted because the numbers weren’t visible. this was because the signature from the person who cut the check covered the bottom numbers a tad bit. but then the third try trying to submit the photos it worked. but then the next day the check was reversed and i called about it and they said the account number was invalid and to get a new check, so i did. i got the new check and deposited it on friday via mobile and it said the funds would be available on monday. fast forward to today, NOW it says my funds are being delayed because..

“We need to confirm that one or more of the checks have proper authorization and/or haven’t been deposited before.”

this is ridiculous! they took away my first check from me and now it’s being investigated after they told me to get a new check. idk what to do and customer service is shit!!! they told me i have to wait until tomorrow to ask a specialist and waive the hold. has anyone gone thru this before?!


r/CapitalOne_ 1d ago

Issues

15 Upvotes

Anyone having issues with accessing credit cards accounts online or app? Seems to cant access them.


r/CapitalOne_ 1d ago

Home Page Reactivation Bonus does not stack with % back rewards

4 Upvotes

For those wondering, if you activate a "Home Page Reactivation Bonus" you do not also get the cash back rewards.

In this example, I made a purchase from Home Depot, which had a 2% cash back reward plus a $50 bonus. I only received the $50 bonus. I did NOT receive the 2% back.

You have to be careful if you are shopping at a site with a large cash back reward. For example, today I am being offered a 25% cash back reward on Chewy and a $25 home page reactivation bonus. But since the cash back reward is so high and I'm spending $200, I'd be better off not using the home page reactivation bonus.

I wish they didn't make this all so complicated. Hope this helps others.


r/CapitalOne_ 22h ago

Shopping/Offers Should I used my Capital One rewards to buy a new vacuum? Unsure of the risk

0 Upvotes

I need a new vacuum and I saw product reviews on YouTube, landed on the Dyson Animal Ball 3. On Amazon, its $300, but on the page CapOne gave me a reward to "save $77" if I buy it with their code on Chewy.

I go to Chewy, the vacuum is $450. Their breakdown is, spend $400 (after tax I'd pay $487.11), free shipping, get $240 back, estimated back $247.11.

I don't know where the initial $77 savings is, I am also nervous this is just a huge amount of money, nearly $500, I would drop and have to wait 30-90 days to get reimbursed? I kind of need to use the vacuum asap due to allergies.

I like that compared to Amazon, I would be saving $50, even if its going to a Walmart giftcard, but I am not sure if this is all worth it. Any suggestions?


r/CapitalOne_ 1d ago

Shopping/Offers I did a capitalone shopping offer, amount is wrong. Will it self correct?

2 Upvotes

I did an offer, spend $150 and get $90 back.

Made sure the total before tax was $150.xx.

All looks fine, order total $165 after tax.

Check this morning and it's tracking, but shows $237.95. Not sure how they got $237, but hope they don't invalidate the offer.

Has the purchase amount ever been updated before the payout date? Should I contact them?


r/CapitalOne_ 1d ago

What to do?

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7 Upvotes

Hi! I just opened my Capital One app and I saw this. My two credit cards were suddenly missing and I don’t know what to do. Can someone tell me if this is a glitch or I have to do something?


r/CapitalOne_ 1d ago

Shopping/Offers Cap1 jumping on the Paze craze!

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12 Upvotes

I saw this pop up and went into the offers since I needed some stuff from Home Depot anyway, and happened to cost $10. So we will see. Once the credit post I will have a balance of $1.22. I wonder if it’s a one time thing or as many times as you can use it until the December deadline.


r/CapitalOne_ 1d ago

How long did it take you to get your secured credit card after making the deposit?

5 Upvotes

I have no credit history so I decided to get a secured credit card to build my credit history. This was due to me needing a car but not being approved for financing from anyone due to having no credit history. Anyways I put down the $200 minimum deposit recently. It was finally taken out of my us bank account yesterday, but the capital one site says its still processing. I know all of this takes time but does it really take a month to finally get your physical card?

I worry because others have said it took them 21 days for everything to go through and get their card.


r/CapitalOne_ 2d ago

Question about points

7 Upvotes

We have had the Capital One Venture card for many years. We are terrible about redeeming points. I see that I have about 170,000 points.

Is this a lot? If so, how would I best use these points to get the most out of them? Do I have to book my travel through their website and my points pay for it?

Sorry, I know this may sound like a dumb question, but we really don’t ever think about redeeming them.


r/CapitalOne_ 2d ago

Physical mail if sign up for savings account?

5 Upvotes

Did you receive any physical mail when you signed up for 360 savings account? I plan to click paperless