Yes, you can request additional Capital One Journey cards by adding authorized users. Each authorized user will get a credit card with their name on it, and share the main credit line. You can typically add up to ten authorized users per account.
You can add a Capital One Journey authorized user online, or over the phone, at the number on the back of your card. And purchases made by authorized users will also earn Capital One Journey rewards.
Keep in mind that the only the primary accountholder is responsible for credit card payments and any resulting debt. You can keep track of spending and enable instant purchase notifications through the Capital One mobile app. Credit activity is also reported on behalf of authorized users, so with responsible card use and on time payments, you may be able to help them build their credit.
There is no predefined number of Capital One cards you can have at a time. More specifically, you can have as many Capital One credit cards as your credit standing would allow. Approval would be based on your credit history, your income and any potential debt you might have.
Both cards come with a good signup bonus: Capital One Savor comes with $300 for spending $3,000 in the first 3 months. With Capital One Venture, you earn 75,000 miles for spending $4,000 in the first 3 months. Capital One Savor has an annual fee of $95, and Capital One Venture’s annual fee is $95.
The Capital One Journey credit score requirement is 640 or higher for applicants who have a credit score, though you can also get approved with limited or no credit history. The credit score needed for the Journey Student Rewards from Capital One is on par with the requirements for other major student credit cards.… read full answer
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Capital One Journey Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Capital One Journey credit score requirement. You can check your credit score for free on WalletHub.
You can request a Journey Student Rewards from Capital One credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
How To Get a Capital One Journey Credit Limit Increase Online
Log in to your online account or the Capital One mobile app.
Choose the Capital One Journey card from the list of account options (if you have more than one Capital One card).
Click “I Want To...,” and then “Request Credit Line Increase.”
Enter your total annual income, employment status, occupation, how much you will spend monthly on the card, your mortgage or rent payment amount, and your desired credit limit.
Confirm the information entered and click “Submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Capital One Journey credit limit increase, the new limit is effective immediately.
Impact of a Capital One Journey Credit Limit Increase on Your Credit Score
When you request a Capital One Journey credit limit increase, Capital One will conduct a soft pull of your credit report, which does not affect your credit score. However, some Capital One Journey credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Capital One cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Capital One Journey credit limit increase without even requesting one. The Capital One Journey card may offer an automatic credit limit increase if Capital One’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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