Capital One Refer a Friend Program Earn 100,000+ Points a Year

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  • The only way to refer someone to a Capital One® card is online, not through the Capital One® app.
  • They’ll need to apply using the link that you sent in order for you to get the bonus.
  • We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site.

The rewards can be great, especially for the Capital One Venture X Rewards Credit Card, which offers up to 100,000 referral miles each year. Capital One Refer a Friend is Capital One’s referral program for its credit cards. It rewards current cardholders for telling their friends and family (and even total strangers, if you feel like it) about Capital One.

Unlike many referral programs, Capital One® offers the same referral bonus no matter which card you refer, as long as your friend is approved for a participating card. While it seems now that all Capital One® cardholders with qualifying cards can earn referral bonuses, Capital One® has in the past only offered referral bonuses to targeted cardholders. However, if they don’t use your referral link to apply, you won’t earn a reward—even if you were the one who told them all about the card. You can earn up to $500 a year by using the Capital One Refer a Friend program. All you have to do is send someone a referral for a Capital One credit card, and if they’re approved, you’ll be eligible to earn a bonus.

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The referral bonus will be issued in the same type of rewards your credit card normally earns. Thus, you’ll earn a cash bonus when referring a cash-back credit card and will earn miles when referring a card that earns Capital One miles, though statement credit is an option for your bonus also. In the case of Capital One, the referral bonus you earn will almost always be in the same currency that the credit card earns. Yes, the Capital One® Spark® business credit cards are included in the Capital One® Refer a Friend program.

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients. Most of Capital One®’s most popular rewards cards participate in the Refer a Friend city index review program, but some cards are excluded. For example, if your friend has the Capital One® Quicksilver® (learn more) and you refer them to the Capital One® Venture®, you probably won’t get a bonus. Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate.

Are business credit cards included in the Capital One® Refer a Friend program? is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Sign in to your account or log into the mobile app to view what your specific referral bonus offer is.

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Now, you have the complete breakdown of how to use the Capital One refer a friend program. Capital One® Savor®The Capital One® Savor® card is designed for people on the go. The annual fee is waived for the first year, after that it has a $95 annual fee. But the card earns 8% back on Vivid seats, 4% back on entertainment and dining, 2% back at grocery stores, and 1% back on everything else. All information about the Capital One Savor Cash Rewards Credit Card and Spark 1% Classic has been collected independently by Bankrate and has not been reviewed or approved by the issuer. Choose a name that you’ll easily recognize and then you’ll see that nickname next to your account wherever it appears.

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If they’re a new Capital One cardholder and get approved using your link, you’ll earn a bonus for each friend approved. It’s worth noting that banks may issue a 1099-MISC tax form on any referral bonuses you receive. While rewards you earn from credit card spending (as well as sign-up alpari review bonuses) are generally considered a discount or rebate on goods you’ve purchased, referrals are different. If you’re a Capital One cardholder, you can refer friends, family, colleagues, and even strangers to your Capital One card and earn rewards when they’re approved.

However, by using your personalized link, you (as the referrer) can earn a bonus after the person you referred applies for and is approved for a credit card. They must start and finish their application using your link for you to receive the bonus. Every person you refer to will navigate to a page that describes the features of the credit card. First, navigate to the Capital One Refer a Friend page (or the Refer a Business page for business credit cards).

For credit cards, you can usually share a unique link to refer your credit card to your friends, family, business partners, or colleagues. The best part about referral bonuses is that they don’t require any spending on your end. You simply generate a link, get someone to apply for a credit card through the link and then collect a bonus after that person is approved for a new account. Some review evidence-based technical analysis credit card referral programs like American Express allow you to earn referral bonuses with any of the card issuer’s cards, but not Capital One®. Capital One Refer a Friend is a great way to maximize your credit card rewards while sharing card benefits with friends. Keep in mind that you’ll have to make sure your specific credit card is eligible for the program before you can participate.

To refer your friend to Capital One, log into your account, generate your referral link, and share the link. After your friends apply and are approved, you will automatically earn your referral bonus. If your friend signs up through your referral link, you’ll get a bonus. Note that only new cardholders are eligible, so if your friend already has a card open with Capital One, they aren’t eligible. You’ll also only earn the referral bonus if they apply for a card you currently have.

Refer-A-Friend program is available for the following account types:

Your friend will also be eligible for all the other card-member benefits. Most cardholders who are eligible for this offer should have received an email with the Refer a Friend link. You can also check the Capital One website after logging in to see if you have a Refer a Friend offer. The referral link is now showing on my wife’s Capital One login as well even though she never received the email. The following screenshots illustrate the process to complete a referral through the website.

You may also receive a targeted email from Capital One® inviting you to refer a friend for a referral bonus. Log into your Capital One® account and select the credit card you want to refer, then choose “Refer a Friend” from the “I Want To…” menu. EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity.

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