Maria Adams, Credit Cards Moderator
@m_adams
The Capital One credit card upgrade process is a way to switch from one Capital One credit card to another. The process generally begins with an offer from Capital One, but you can also try calling the number you see on the back of your card to ask about eligibility. To check for upgrade offers online, visit the Capital One upgrade offer page (log in at the prompt). From there, the upgrade process can be done entirely online.
Capital One periodically checks cardholder accounts for upgrade eligibility, so if you keep your current account in good shape by making monthly payments on time, you’ll have better odds of getting an upgrade offer. It also helps to have had your current Capital One credit card for at least 6 months.
Here’s what happens when you upgrade your Capital One credit card:
When you upgrade to a different Capital One card, your current APR and credit limit will remain the same unless it’s stated otherwise in your upgrade offer. Your card number will remain unchanged as well, but your CVV and expiration date will change, so you will need to update any automatic payments. You should receive the new card within 7 to 10 business days.
Here’s when a Capital One credit card is a good idea:
A Capital One credit card upgrade is a good idea for people who have outgrown their current card, changed their spending patterns recently, or don’t want another hard credit inquiry on their credit report. Capital One does not pull your credit report when processing a credit card upgrade request, so there’s no need to worry about a hard credit pull. Capital One also allows upgrades between products, such as upgrading from a cash back card to a travel card, which can give a cardholder new rewards-earning opportunities.
But it’s worth considering that upgrading to a different credit card will most likely make you ineligible for any introductory APR periods or bonus offers that would otherwise come with the new card. The upgrade offer will state this before you accept.

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Maria, thank you so much for the answer! Can you tell me if my credit history will change at all if I accept the upgrade? Everything looks great in the offer from Capital One, but my current credit card with them is my oldest credit account and I don't want that to restart to Jan. 2022 if I upgrade.