Whether you’re looking to earn rewards or build credit, we’ve got a credit card that suits your needs.
* If Capital One pre-approves you for a credit product, you can be sure we’ll approve your application, except in limited circumstances. Some of the reasons we may not approve your application, among others, include:
- There’s been a change in your credit file information, personal information, financial status, or our credit decision criteria, from the time you’ve been given a pre-approval offer to the time Capital One makes a decision about your application.
- Your application is flagged for fraud prevention.
- You have an existing Capital One account.
- You’ve applied for a Capital One credit product in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.
- (For Quebec Residents only): In some cases, based on your maximum desired credit limit.
In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.
If you’ve received multiple pre-approval offers, accepting one may invalidate the others.
