Does the “Capital One 2 Card Rule” hold true when I apply for my 3rd personal Capital One credit card (and 4th overall)? NOPE! But the outcome was different than I expected. Click “Show More” to see Ad Disclosure.

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For YEARS I’ve heard that Capital One has a 2 Card Limit, meaning you cannot get approved for more than 2 Capital One credit cards and have them all open at the same time. Then I heard that this rule only applied to personal Capital One credit cards and excluded co-branded cards. More recently, when I asked a Capital One representative if the 2 Card Limit was a thing, I was told no.

So, which of these are true, if any?

Well, perhaps some, all, or none were true at certain points in time.

However, I was curious to know what the reality was as of November 2022.

I already had 3 active Capital One credit cards…
(2 personal credit cards, 1 business credit card):
- Capital One Venture
- Capital One Venture X
- Capital One Spark Cash Select (1.5% cash back credit card with no annual fee)

For a while now, I’ve had my eye on the Capital One SavorOne credit card.

For a $0 annual fee, you earn the following rewards…

- 10% Uber / Uber Eats (plus an Uber One membership) - both through 11.14.2024
- 8% Capital One Entertainment
- 8% Vivid Seats purchases
- 5% Hotels via Capital One Travel
- 5% Rental Cars via Capital One Travel
- 3% Dining
- 3% Entertainment
- 3% Popular Streaming Services
- 3% Grocery Stores
- 1% Other Purchases

It also currently has a welcome bonus of $200 cash back after spending $500 in the first 3 months.

That is A LOT of value, both up front in Year 1 and long term. In fact, it may be the (or one of the) best cash back credit cards ever made.

So, it’s time to test the Capital One 2 Card Limit by applying for this awesome card!

MORE INFO ABOUT MY CREDIT SCORE PRIOR TO APPLYING...
Credit Scores:
- Experian: 766 (frozen)
- TransUnion: 809
- Equifax: 824

Credit Inquiries
- Experian: 10 (frozen)
- TransUnion: 5 (1 in the last 12 months)
- Equifax: 1 (0 in the last 12 months)

New Accounts (on my credit report)
- Last 6 months: 3
- Last 12 months: 5
- 24 months: 6

Average Length of Credit History
- 4 years 4 months

Relationship With Capital One
- Personal Capital One Checking Accounts
- Personal Capital One Savings Account
- Capital One Personal Credit Cards (2)
- Capital One Business Credit Card (1)

Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.

#creditcards #capitalone #cashback