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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 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:
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:
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.
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.
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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