How can I upgrade my Capital One Venture card to Venture X?

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 ... read full answerCapital 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.

Yes, you can upgrade your Capital One Venture Rewards 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 Venture 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 ... read full answeronline account.

Capital One Venture Card Upgrade: What You Should Know

• Capital One does not state a specific amount of time the card account must be open before it’s eligible for an upgrade, but it’s a good idea to wait at least 6 months before requesting an upgrade.
• A history of on-time payments and low credit utilization increases your chances of getting an upgrade.
• Capital One only allows upgrades to cards within the same card family. For example, you cannot upgrade from Capital One Venture to a business card or co-branded card.
• If you upgrade to a Capital One card with an annual fee, the charge will appear on the new card’s first monthly statement.
• If you’re eligible for a refund on your Capital One Venture card’s annual fee, Capital One will pro-rate the amount of your refund, based on how long it’s been since the fee posted to your original account.
• You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
• 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 A from the approval date. Your card number won’t change, but you will receive a new card with an updated 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.