Refer a Friend
CARD DETAILS
Unlimited Rewards
Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases. 2
New Cardmember Offer
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 1

PURCHASE RATE
0% intro APR for 15 months; 19.24% - 29.24% variable APR after that
TRANSFER FEE
0% intro APR for 15 months; 19.24% - 29.24% variable APR after that; Balance transfer fee applies. See pricing and terms for details
ANNUAL FEE
$0

HOW TO APPLY & REWARD YOUR FRIEND

Look in your wallet

If you already have a Capital One credit card, you can still apply. But your friend won’t qualify for a referral bonus.

Apply for your card

The application form is on another page, but make sure you get there by hitting "Apply Now" on this page.

Enjoy your card

If you’re approved, you get a new card and your friend gets a bonus. Sounds like a win-win.

FREQUENTLY ASKED QUESTIONS

Hit the "Apply Now" button, which will take you to a page where you can apply for a Capital One Savor Rewards credit card. To be a part of the refer-a-friend program, you must apply from this page. If you leave this page for some reason, just be sure to come back here to apply. Otherwise your friend won't get their bonus.

Don’t worry. Your referral information will be automatically passed to the application. You should see a message at the top of the application saying, “your referral information has been applied,” which means the person who referred you will get credit for the referral if you’re approved.

We won’t tell anyone whether or not you have applied for a credit card or if you have been approved or declined. But, just remember that we may give your friend a referral bonus if your application is approved and, as a result, they may be able to tell that your application was approved (especially if they didn’t refer anyone else).

The only potential impact your application could have on your friend is that—if you are approved—they might receive a referral bonus. Other than that, we cannot disclose any information on who has applied or been approved, so your friend will not be notified of the status of your application.

Here’s what you need to be able to participate in this referral program:

  • You have to apply and be approved for a Capital One credit card offered as part of the referral program.
  • You must use the referral link you got from your friend to complete the application process. Otherwise, they will not receive a referral bonus.
  • Since this program is about new people joining Capital One, you must be a new Capital One credit card customer for your friend to receive a bonus as part of the referral program. If you already have a credit card with Capital One, your friend will not receive a referral bonus.
  • The referral offer you received from your friend must be valid when you apply from the referral page. If your link is no longer valid, then your referral won’t go through.

By using the referral program, you understand and agree that the Capital One customer who referred you could receive a referral bonus if your application is approved and may be able to tell if your application is approved. We reserve the right to alter, change or terminate the referral program at any time without notice. Qualification for the referral program is determined at our sole discretion and may change at any time without notice.

Your friend may have included a personalized message to you when sending you the referral link. However, the message itself is solely from your friend and we have not reviewed it. Therefore, we are not responsible for its contents.

We reserve the right to delay or not enforce any of our rights under the referral program without waiving or losing our right to enforce them later.

Rate and fee information