Sending a referral allows you to earn rewards when friends, family or businesses (for business cardholders) are approved for a Capital One credit card using your referral link.
While you can only earn rewards for referring people who aren’t Capital One cardholders or Small Business cardholders, you can earn rewards for referring someone who has an existing Retail and partner card (e.g., REI®, Kohl's®, etc.).
Once their application is approved, your referral bonus will automatically appear in your account. Allow up to 8 weeks for the bonus to appear.
Keep in mind:
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You must be the primary cardholder and in good standing to refer friends and businesses.
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Your friends, family or business contacts (for business cardholders) must apply using your unique referral link to ensure you receive a bonus.
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For Consumer cards: To be eligible for referral bonus, the person you refer can’t be the primary cardholder on any Capital One credit card.
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For Small Business cards: To be eligible for a referral bonus, the person you refer can’t be the primary cardholder on any other Capital One Small Business products, but they can be the primary cardholder on any other Capital One products.
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The referral approval process is confidential, so we can’t disclose who has applied or the status of their application.
While there's no limit to the number of referrals you can make, there are caps on how much you can earn from referrals. Review your card’s terms and conditions for details.
How can I refer a friend to Capital One?
Sending a referral lets you earn rewards when your friends or family get approved for a Capital One credit card using your unique referral link.
You can find your referral link in your account. If your friend or family member is approved for a Capital One card using your link, you’ll earn a bonus for each approval. Allow up to 8 weeks for a referral bonus to appear in your account.
You can only earn a bonus if you refer people who are not Capital One cardholders or Small Business cardholders. However, you can earn a bonus for referring someone who has an existing Retail and partner card (e.g., REI®, Kohl's®, etc.).
While there's no limit to the number of referrals you can make, there are limits on how much you can earn from referrals. Review your card’s terms and conditions for details.
How much is the credit card referral bonus?
You can find the specific bonus amount in your account details on the Capital One website or in the mobile app.
Can I refer someone for a credit card account?
If you’re an existing cardholder in good standing, you may be eligible to refer a friend.
For personal accounts, sign in and find Refer a friend.
Share your unique link with your friends and family. Once they apply and their application is approved, your referral bonus will automatically appear in your account. Allow up to 8 weeks for the bonus to appear.
If you’re a Spark cardholder, check the Refer a business page to learn more.
Can I refer businesses for a credit card account?
If you're the primary cardholder for any of the following cards and your account is open and in good standing, you may qualify for the referral program.
- Venture X Business
- Spark Cash Plus
- Spark Cash
- Spark Miles
- Spark Cash Select
- Spark Miles Select
- Spark Classic
You can find your referral link in your account.
