Can you combine Capital One credit cards?

Helped you merge your balances and credit limits.

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Combining credit cards lets you merge balances and credit limits of two cards, but you have to close one of the cards. This is useful because Capital One limits you to only two cards. So if you want another Capital One card, your only option is to merge your two cards to free up some space.

Unfortunately, Capital One has stopped combining credit cards — although they claim only temporarily. Call Capital One to ask if they’ve resumed this program.

Alternative to combining credit cards with Capital One

Even if Capital One combines credit cards again, you may not qualify if you missed your payments. But if you’re keen on bypassing Capital One’s two card limit to boost your purchasing power or to get a signup bonus, here’s what else you can do:

  • Request a credit limit increase.
    If you’re only looking to increase your purchasing power, request a credit limit increase for your Capital One credit cards.
  • Apply for a cobranded credit card.
    If you’re a loyal Capital One customer and you don’t want to look for other providers to get another credit card, apply for one of Capital One’s cobranded cards, such as the BuyPower Card®. Cobranded cards don’t count toward the two-card limit.
  • Request a product change. Since the bank only allows two credit cards per person, they’ve made it easy to request a product change on one of your cards.
  • Apply for a credit card from another provider.
    If there’s no cobranded card that catches your eye or if you can’t get a credit limit increase, you can always apply for a credit card from another provider. Aside from getting another line of credit, getting a new credit card can potentially get your lower APR, a solid rewards program or a generous welcome offer.

Compare Capital One credit cards

If you’d like to apply for a Capital One card, and you haven’t reached your two-card limit, check out what it has to offer.

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
None
$0
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
None
$0
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
None
$0
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
None
$0
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
Earn $150 after spending $500 in the first 3 months.
None
$0 intro annual fee for the first year ($95 thereafter)
17.49%, 22.24% or 24.74% variable
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

Bottom line

Capital One was one of the rare credit card providers that allowed combining the balance and credit limits of two cards into one. Though this process has temporarily stopped, you can call Capital One to ask if the process has resumed.

But if you don’t want to wait, you can always compare credit cards from other providers and apply for the one that best fits your financial needs.

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