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Savor

Capital OnePersonal cardMastercard

Credits 0

This card has no statement credits that expire.

Perks 1

Benefits you use rather than credits that post to your statement.

Hertz Five Star status

Complimentary Hertz Five Star status (skip the counter at select locations, wider choice of cars); enroll through the Hertz tile in the card's Benefits tab after signing in.

Also included

  • No foreign transaction fees
  • Extended warranty

Before you apply

Capital One’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules

1/6 mo Soft rule

Capital One tends to approve one new Capital One card, personal or business, every 6 months. Capital One has no published 2/24 rule; this is the closest consistent pattern. Applying sooner often ends in a denial for too many recent Capital One accounts. Recent cards at other banks can also hurt your odds.

2 personal cards Less reliable

Capital One used to cap people at 2 of its own personal cards. Many people now have more. A third personal Capital One card may be declined.

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Last checked Oct 16, 2026. Spot something out of date? Tell us.