Do you have a Capital One® Quicksilver® Cash Rewards, Capital One® Savor® Cash Rewards, Capital One® SavorOne® Cash Rewards, Capital One® Venture® Rewards, or a Capital One® VentureOne® Rewards credit card?
You can earn $100 every time you refer a friend to your credit card through the Capital One® Refer a Friend program.
Capital One® offers one of the most generous referral programs in the industry as long as you have a qualifying Capital One® card with the ability to earn up to $500 per year just by sharing with your friends the rewards card benefits you already enjoy.
Here's how to use the Capital One® referral program to start earning statement credits today.
What Is Capital One® Refer a Friend?
The Capital One® Refer a Friend program is a referral program for Capital One® cardholders with select Capital One® cards.
The program allows you to earn an impressive $100 referral bonus when you refer someone who gets approved for the same Capital One® credit card you have.
Through the program, you send a friend a unique referral link that they can use to apply for the same Capital One® card you have. You can earn up to $500 per year through Capital One® referrals.
If you have any of these Capital One® cards and know someone who could enjoy the same benefits you do, it definitely pays to refer them:
- Savor® Rewards from Capital One® (learn more)
- SavorOne® Rewards from Capital One® (learn more)
- Venture® from Capital One® (learn more)
- VentureOne® from Capital One® (learn more)
- Quicksilver® from Capital One® (learn more)
The referral program rewards you both: you get a $100 statement credit and your friend will still qualify for a welcome offer from Capital One®.
How Does Capital One® Refer a Friend Work?
The Capital One® Refer a Friend program is a bit different than other credit card referral programs.
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.
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.
Every referral earns you $100 with a cap of $500 in referral bonuses per year.
The process of referring someone to a Capital One® credit card is easy:
- Generate your unique referral link by signing into your Capital One® account or using the app
- Share your referral link with your friends
- Get a $100 bonus when your friend uses your link and gets approved for a Capital One® card
Note: you can only refer someone to the card you have.
You won't earn a referral bonus if your friend is already a Capital One® cardholder, even if they have never had the Capital One® card you're referring them to.
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.
Once your friend is approved, you will receive the referral bonus as a statement credit somewhere between a few days and 4 weeks.
To qualify for a referral bonus, you must meet these basic requirements:
- Your account must be open and in good standing.
- You must have a qualifying Capital One® Quicksilver®, Savor®, SavorOne®, Venture®, or VentureOne® credit card.
- Your friend cannot be a current Capital One® cardholder.
Refer a Friend Online
The only way to refer someone to a Capital One® card is online, not through the Capital One® app.
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.
You may also receive a targeted email from Capital One® inviting you to refer a friend for a referral bonus.
Capital One® Cards That You Can Refer a Friend
Some 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®.
Most of Capital One®'s most popular rewards cards participate in the Refer a Friend program, but some cards are excluded.
You won't earn a referral bonus for these cards:
- Capital One® Platinum card
- Capital One® QuicksilverOne® card (but the Quicksilver® qualifies)
- Capital One® Journey® Student Rewards
- Capital One® Secured Mastercard®
- Capital One® Walmart Rewards™ Mastercard®
- BuyPower Card® and BuyPower Business Card™
- Cabela's CLUB® Card and Bass Pro Shops® CLUB Card
Only the following Capital One® cards qualify for a $100 Refer a Friend bonus:
Capital One® Quicksilver®
The Quicksilver® is a popular flat-rate cash back credit card that earns an unlimited 1.5% back on all spending without worrying about bonus categories or rotating categories you need to sign up for.
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.
Capital One® SavorOne®
Spend a lot on entertainment and food? The Capital One® SavorOne® card is a great way to get rewarded with 3% back on entertainment and dining, 2% back at grocery stores, and 1% back on everything else plus no annual fee.
Capital One® Venture®
The Capital One® Venture® card is one of the best general travel rewards cards if you want a no-nonsense program without restrictions or blackout dates. Earn an unlimited 2x miles on all spending which can be redeemed as statement credits against travel expenses. Plus, get free Global Entry worth $100 every 5 years.
Capital One® VentureOne®
The no annual fee version of the Venture® card earns an unlimited 1.25x miles on all purchases that can be redeemed for statement credits against travel rewards.
Capital One® Refer a Friend for Business Cards
You can also be able to refer a friend to a Capital One® business credit card through your online account.
Business credit cards that qualify for the Capital One® Refer a Friend program include:
- Capital One® Spark® Classic (learn more)
- Capital One® Spark® Cash (learn more)
- Capital One® Spark® Cash Select (learn more)
- Capital One® Spark® Miles (learn more)
- Capital One® Spark® Miles Select (learn more)
You will earn $300 for every business you refer to the Capital One® Spark® Business credit card.
The maximum you can earn per year in referral cash is $1,800. This is substantially more than the maximum limit allowed for personal card referrals.
If you have a Capital One® Spark® Business card you can refer friends online by clicking on your card account. From here you click on "More Account Services", then click on "Refer a Business".
Now you can share you referral code and earn $300 per successful Capital One® Spark® Business credit card referral.
While it's unfortunate that Capital One® excludes its student from its referral program, it still offers one of the most generous referral bonuses in the game.
All five qualifying personal Capital One® cards have the same referral bonus of $100 (up to $500 total) and Capital One®'s most popular rewards cards are included in the promotion, including no annual fee cards.
If you have a Capital One® business card you can also refer business and earn $300 per referral.
If you know someone who could benefit from the straightforward cash back or travel rewards card you already enjoy, it definitely pays to send them your referral link and make sure you're both rewarded.
Who is eligible for Capital One® refer a friend?
You're eligible to earn a referral bonus with Capital One® if you have an open and current Capital One® credit card in good standing. Your referral must not be a current Capital One® cardholder and must be considered creditworthy to be approved for the referred card.
What cards are included Capital One®'s refer a friend?
There are five personal cards that qualify for a Capital One® referral bonus: Venture®, VentureOne®, Savor®, SavorOne®, and Quicksilver®. You can also refer a friend to Capital One® Spark® Business cards.
How do I create my Capital One® refer a friend referral link?
You can generate a Capital One® referral link by signing into your Capital One® account, selecting the credit card you want to refer, and navigating to the "I Want To..." menu. Choose "Refer a Friend."
How long does it take to earn the referral bonus?
According to Capital One®, your referral bonus will post to your account within 4 weeks. Many people report getting the statement credit in a matter of days, however, once their friend is approved.
How many points can I earn per year?
You can earn up to $500 per year through the Capital One® referral program at $100 per referral. For business card referrals you will earn $300 per referral, up to $1,800 per year.
Are business cards included in Capital One® refer a friend?
Yes, the Capital One® Spark® Business credit cards are now included in the Capital One® Refer a Friend program.