# Capital One: refer a friend

Canonical: https://dealaka.com/referrals/capital-one-refer-a-friend

This is what an EXISTING customer earns for referring someone. For what a new customer gets for opening the account, see the offer entry linked below.

- Status: live
- Referrer earns: Not published per approved referral (targeted, not a fixed rate: Shown only in your account)
- Referred person earns: no separate bonus
- Cap: Capped per card, amount not published
- Cap scope: per card
- Requirement: Apply through your link and be approved
- Tax form: Not confirmed
- Link sharing: Not confirmed
- Institution: Capital One
- Verified: Jul 21, 2026 against capitalone.com
- Note: Dealaka links only the issuer's own program page and takes no share of any referral reward.

## Summary
Capital One publishes no referral figure anywhere. It confirms the reward depends on which product you hold and tells you to look in your own account, and it confirms that a yearly earnings limit exists without saying what it is. The number of referrals is uncapped; the value is not. Any specific dollar amount you see quoted for Capital One is not from Capital One.

## How the referrer gets their link
Sign in on the web or the mobile app, open Refer a friend, and copy your unique link.

- Share your unique link

## When it pays
Allow up to eight weeks for the bonus to appear.

## Fine print that matters
- Capital One states the referral bonus is based on which product you have and that amounts vary, directing you to your account for the figure.
- The count is uncapped but the value is not. Capital One says there is no limit to the number of referrals and that there are limits on how much you can earn within a calendar year, without publishing the limit.
- Only the primary cardholder can refer. Authorized users cannot, and the account must not be closed or in default.
- The person you refer must not already hold a Capital One consumer or small business card. An existing retail or partner card such as REI or Kohl's does not disqualify them.
- Capital One asks you to warrant that you have the rights, permissions, and consents from friends to send them the link. That is a condition on sending, not a rule about public posting.
- The authoritative Refer a Friend terms document did not render for us, so we make no claim about where the link may be shared.

## Sources
- capitalone.com refer a friend page <https://www.capitalone.com/credit-cards/refer-a-friend/> (checked Jul 21, 2026)

_This entry is reference information, not financial or tax advice. Referral terms change without notice and the figure shown to you may differ from the one shown to someone else. Confirm on the issuer's own page._