When I first created our Best Credit Card Offers page, about 6 years ago, I included mini reviews with each card. Since then I’ve done a poor job at keeping that going. To fix that, I’m working on adding mini reviews to each card, one bank at a time. Since I had exactly zero mini reviews for the Capital One cards despite them having a number of excellent signup offers, I decided to start there. What follows are the mini reviews that can also be found in the Capital One section of our Best Offers page. Expect to see similar updates for other banks in the near future.
A note about Capital One credit card applications
When you apply for a Capital One credit card, you’ll usually get hard inquiries on all three credit bureau reports (most banks pull from just one or two). This can be an issue if you already have a lot of inquiries. Some who sign up for cards often like to balance out their inquiries by signing up for cards from issuers that pull from different bureaus in order to avoid getting denied for future applications due to “too many recent inquiries”. If you only sign up for a few cards per year, this is probably not going to be an issue for you. To see which credit bureaus each bank pulls from in your state, search the CreditBoards Credit Pulls Database.
Also note that Capital One does report business credit cards to the credit bureaus. So, unlike business cards from most other banks, Capital One business cards will count against your 5/24 status which can make it harder to get certain Chase credit cards in the near future. More info can be found here.
Last updated on January 29th, 2019