Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.
How many Capital One credit cards can you have?
Consider which cards you really want and apply only for those.
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.
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.
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.
Frequently asked questions
More guides on Finder
3 true credit card horror stories and advice on how to survive
Three real people share their real experiences and credit card horror stories of 2020.
Tiller Money review
Do you use a spreadsheet to manage your budget? Automate it with Tiller Money.
Tree removal financing with credit cards
If you need to remove a tree from your property, consider paying with plastic.
Best credit cards for young professionals
Earn rewards on travel, dining, public transportation and other categories you spend the most in.
Petal launches new card for those with poor credit, refreshes old card
Have a credit score around 550? Struggling to qualify for an unsecured credit card? The new Petal 1 “No Annual Fee” Visa Credit Card might be for you.
Bank of America® Cash Rewards Secured review
Earn cash back on your purchases and build your credit.
X1 Card review
This metal card adjusts your limit based on your income.
New Wayfair credit cards offer rewards or special financing
The two Citi cards let you choose 5% back in reward dollars or promotional financing of up to 60 months.
Your options if you can’t pay estimated taxes today
Quarterly estimated tax payments are due to the IRS by September 15th. Here’s what to do if you’re short on cash.
Nationwide Direct Checking account review
Get free online banking if you use direct deposit, but with debit card transaction limits.
Ask an Expert