Maria Adams, Credit Cards Moderator
@m_adams
You can upgrade your Capital One Venture card to the Capital One Venture X Rewards Credit Card by calling the customer service number listed on the back of your card. Upgrading from Capital One Venture to Capital One Venture X is possible as long as you’ve used your current card responsibly for at least a year.
It’s worth noting that your odds will be higher if your credit score and income have gone up since you applied. It is also possible to receive an upgrade offer from Capital One without asking.
What to Know About the Capital One Venture X Upgrade
- Eligibility requirements: Your Capital One Venture account should be open for at least a year before requesting an upgrade. Plus, a history of on-time payments and low credit utilization will increase your chances of getting an upgrade.
- Annual fee charges: If you upgrade to a Capital One Venture X card, the charge for the card’s $395 annual fee will appear on the new card’s first monthly statement.
- Intro offers availability: You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the Capital One Venture X card, unless they’re included as part of the upgrade offer.
- Credit score impact: The Capital One Venture card upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
A Capital One Venture card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 7-10 business days from the approval date. Your card number won’t change, but you will receive a new card with a new expiration date and security code.
You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.
Popular Credit Cards from Our Partners
Travis R, Member
@atl0707
The X is in a different league from the other Venture cards. You can check to see what upgrades you qualify for on your account page, and customer service won’t tell you anything different. CapitalOne in general is stingy about upgrades to more desirable cards, and that has caused me to look at other banks.
People also ask
Why is it so hard to get the Capital One Venture X card?
The Capital One Venture X Rewards Credit Card (see details, rates & fees) might be hard to get because it is available to people with excellent credit . This requirement may be difficult for the average American to meet. On top of that, you’ll need to have a steady income and meet other requirements imposed by the issuer.
Why the...
read full answer by Chip Lupo, Credit Card WriterCan I upgrade my Capital One card?
Yes, you can upgrade an eligible Capital One credit card to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Capital One card qualifies for an upgrade, call customer service at the phone number on the back of your card. Capital One also periodically sends targeted upgrade offers to existing cardholders on their online...
read full answer by Maria Adams, Credit Cards ModeratorCan you upgrade a Capital One Venture credit card?
Yes, you can upgrade your Capital One Venture Rewards Credit Card (see details, rates & fees) to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Capital One Venture (see details, rates & fees) qualifies for an upgrade, call customer service at the phone number on the back of your card. Capital One also periodically sends targeted upgrade offers to existing cardholders on...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.