Capital One Adds 48 Month Rule Eligibility

Capital One has added some new restrictive language to cards with sign up bonuses. The language states:

Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.

Previously cards stated

existing or previous cardmembers may not be eligible

It’s often difficult to get approved for Capital One cards anyway and there is a limit of one new card per six months as well.

Hat tip to DDG
    William Charles
  • On August 15, 2023, 16:29
Tags: capital one

View Comments (56)

  • DP that you can get the SUB more frequently than 48 months. I previously got the bonus in December 2022. Figured I wouldn’t be eligible for 4 more years but got an ad in the mail with the sign up bonus offer so I figured I’d apply. The email saying I was approved mentioned the offer. I called in to confirm I could get the offer and the tracker appeared in the app. And today I got the bonus again just 2 and half years after my last bonus.  

  • It's over Johnny, It's Over !
    1. Crapital only want those who carry a balance every month
    2. With the 3 hard pulls
    3. Difficult to get approved for Capital One cards as it is
    4. Now we have 48 Month Rule Eligibility
    Good luck to get approved!!!

  • Anyone know if you can have two Venture X? I upgraded from a Quicksilver two years ago so never earned a bonus.

  • If you get approved do you get a sign up bonus even if you've had one in the last 4 years, or no? I keep having the Venture be pre-approved for 75K even though I just canceled my previous one, but haven't tried applying. Usually pre-approvals have been automatically approved for me.

    • I imagine this is going forward and the strict 48-month rule may not affect the Venture card you had.

  • I am a bit confused here. Does this mean no signup bonus for 48 months or say I open a venture x today and close it after a year, can I not open a venture x again for 48 months?

  • If I got a sign up Bonus for Venture, does that mean i have to wait 48 months for Venture X intro bonus ? OR is its 48 months for Venture bonus?

    Thanks!

    • Venture and Venture X are different products, and the language says "this product", so I would guess you're OK now. Please report your results though!

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