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.
People also ask
What is the easiest Capital One credit card to get?
The easiest Capital One credit cards to get are the Capital One Platinum Secured Credit Card and the Capital One Quicksilver Secured Cash Rewards Credit Card. Both cards are available to applicants with bad credit and require a refundable security deposit, making them easier to get approved for than Capital One’s unsecured credit card offers.
Easiest Capital One Credit Cards to Get
- Rates & FeesBad Credit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesBad Credit: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesLimited Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesLimited Credit: Capital One Quicksilver Student Cash Rewards Credit CardCapital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesLimited Credit: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & FeesLimited Credit: Capital One Spark Classic for BusinessCapital One Spark Classic for BusinessLearn MoreLearn Moreon issuer's website
Your credit score isn’t the only thing that will affect your ability to get approved for a Capital One credit card....
read full answerWhat are the Capital One credit card customer service hours?
The Capital One credit card customer service hours are 24/7. So, it’s possible to get help with a Capital One credit card account any time. More specifically, you can get in touch with Capital One customer service 24/7 either online or by calling the number you see on the back of your card. You can also contact the relevant credit card support department directly, based on your individual needs.
How to Contact Capital One Credit Card Customer Service
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How can I pay my Capital One credit card?
The easiest way you can make a Capital One credit card payment is online, either through Capital One’s website or mobile app. Just log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from.
Other ways to pay your Capital One credit card:
You can also make a Capital One credit card payment over the phone, by calling (800) 227-4825 or...
read full answerDid we answer your question?
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.