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How many Capital One credit cards can you have?

Consider which cards you really want and apply only for those.

Updated

Generally, you can only own two Capital One credit cards. Because of this limitation, it’s important you only apply for the Capital One cards you really want.

Capital One credit card limitation rules

Capital One limits consumer credit cards to two cards per individual. Technically, you can have more than two Capital One cards but for some of the cards, Capital One doesn’t accept new applications.

Here’s how some cardholders have more than two Capital One credit cards:

  • Old credit card accounts.
    They already had more than two Capital One cards when this rule was implemented in 2011. If they decided to keep their cards, the rule didn’t affect them.
  • Capital One acquired banks.
    Individuals who held credit cards by banks bought by Capital One, such as HSBC, don’t count toward the two-card rule.
  • Cobranded credit cards.
    Cobranded cards issued by Capital One and a retailer don’t count toward the rule. For example, you can get a GM BuyPower Business Card from Capital One® in addition to your two Capital One cards without conflicting the rule.
  • Secured credit cards.
    Capital One’s secured cards don’t count toward the rule. If you started with a secured Capital One credit card and managed to build your credit, you are still eligible for two more Capital One credit card slots.
  • Business credit cards.
    You can freely add Capital One business credit cards to your personal card selection if you need more than two without conflicting the two-card rule.

Is it possible to have more than two Capital One credit cards?

Some Finder readers claim they have applied for more than two Capital One credit cards after Capital One imposed this rule, and they claim they were approved.

Others claim that this rule only applies to Capital One’s subprime cards:

  • Capital One® Platinum Credit Card
  • Journey® Student Rewards from Capital One®
  • Capital One® QuicksilverOne® Cash Rewards Credit Card

Compare Capital One credit cards

If you don’t have two Capital One credit cards, you can safely apply for one of their cards. But if you already have two, consider applying for a credit card from another provider.

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® Quicksilver® Cash Rewards Credit Card
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Secured Mastercard®
N/A
N/A
$0
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® SavorOne® Cash Rewards Credit Card
$150 after spending $500 in the first 3 months
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
$0
A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Compare up to 4 providers

Is it possible to combine Capital One credit cards?

Capital One used to allow combining credit cards they issue. This was a good way to combine two cards’ balances and credit limits into one and to leave room for another credit card application.

But this option is temporarily disabled. Call Capital One and ask to combine credit cards in case they’ve resumed this practice.

If you can’t combine credit cards but you still want a better card, consider product change. Capital One often allows its customers to change from one credit card to another without actually applying for the card.

Bottom line

Capital One doesn’t allow for more than two consumer credit cards per individual. But you can bypass this rule by applying for a cobranded credit card or asking for a product change.

But if this sounds like a hassle without meeting your financial needs, compare cards from other providers until you find the right card for your wallet.

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