® | Reservation Number & Access Code for mail offer

Congratulations! The reason why you have received this mail offer ( is because you have met the eligibility criteria for one of the Capital One® credit cards. The credit card issuer works with the credit bureaus to look at your basic credit information. Receiving this mail offer suggests that you are a good potential customer.

Reservation numbers are sent through different mediums, they could be sent through phone, email or mail by the bank with a reservation number or access code. If you are interested in getting the new card, you can respond to the offers by applying for approval to receive your new card.

*This is an extremely easy to follow process that takes a very short time to complete.

You will find a 16-digit reservation number at the bottom of the letter along with a 6-digit access code.

Who gets pre-qualified/pre-approved mail offers?

Pre-qualified or pre-approved mail offers are reserved for individuals who meet the general criteria for credit score ranges. Some other criteria that may be more specific such as the percentage of credit-card payments made on time related to your credit history.

If you have not received your mail offer, you can always reach out to the bank and see if you have been pre-approved for any the credit card offers and apply directly through the bank. Capital One® offers a tool that can be used to check if you pre-qualify for a credit card with no impact on your credit score at

Things to pay attention to when responding to mail offers?

When applying to the credit card through mail offers, you are sharing financial information and financial status. The information will be verified by the card issuer when doing a full credit check.

You may want to pay close attention to the following information:

  • Interest rates
  • Benefits being offered
  • Liability terms for fraudulent activities
  • Insurance offered
  • Premium services

Understanding the terms and the rewards that you may receive will give you a better satisfaction when applying to the mail offer.

Steps to follow when applying for the offer:

There are three basic steps to the process that you need to follow:

Step 1: You need to enter the URL: to be directed to the Capital One® page where you can enter your exclusive information. The page should look like the following page.

Step 2: Insert the required information; you will find the information in your mail offer sent by the bank.

Reservation Number would look like

Step 3: After entering the information click the “Next step” and follow through with the application process.

*Note: if you have not received the mail offer or any other credit card offer, you can also check to see if you are legible for an offer by clicking the link on the right hand side “see if you’re pre-qualified.”

What other information does Capital One® require?

You will to provide personal information;

  • Full name
  • Social Security Number (SSN)
  • Date of Birth (DOB)
  • Physical Address (No P.O. Boxes)
  • Estimated Gross Annual Income
  • Checkings and/or savings account information

Finding the status of your credit card application:

If you apply by phone or online, you will often get a response in 60 seconds. However, in some cases credit card issuer needs to collect additional information to make a decision.

You can check the status of your application anytime by calling 1-800-903-9177. Capital One® will notify you in writing of their decision within 7 to 10 days of your application.

Impact on credit score?

As the banks constantly work with the credit bureaus to check your credit status, these checks are called “soft” inquiries. These checks do not affect your credit score, rather assist the bank in the preselection process to send you the reservation number in mail offers.

Secondly, once you respond to the mail offers and apply to become a cardholder, the bank conducts a “hard” inquiry. The card issuer then performs a full check of your credit report and history, which can affect your credit score. If your credit history is sound and you’ve made timely bill payments, the credit check may only have a minor on your credit score.

The full credit check helps determine if you will get approved for the specific card you have applied for. If there are any significant changes in your financial or credit information from the time you applied to getting approved, the terms of the card or the eligibility for pre-approval may change as well.

To get a better understanding of how the credit checks work and their impact on your credit score, please visit

When will you receive your new credit card?

If you’re approved, you’ll receive your Capital One® card, credit limit information, and welcome materials by mail within 7 to 10 business days. However, customers approved for a Secured Mastercard card will need to pay the deposit in full before the card ships—then it will be 7 to 10 business days.

Most popular Capital One® cards:

If you are someone that likes to travel a lot or has a hard time saving up for the trips that you would otherwise love to plan for, Venture Rewards card is perfect for you.

Venture rewards card:

With a reasonable $95 fee you will receive top of the line services to suit your travelling needs

APR: 17.24%-24.49% variable

  • You will earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, every day

Excellent Credit required

VentureOne Rewards card:

If you do not want to pay the annual fee, this card is suitable to you.

APR: 0% intro APR for 12 months; 15.49% – 25.49% variable APR after that

  • Earn 25,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 1.25 miles per dollar on every purchase, every day.

Good Credit Required

If you are an individual that is more interested in cash, ‘CASH IS KING’ after all, you would be interested in the following Quicksilver Cash back rewards card.

Quicksilver Rewards:

There is no annual fee for this card and the benefits are in your favor, a card that gives back.

APR: 0% intro APR for 15 months; 15.49% – 25.49% variable APR after that

  • Earn a one-time $250 cash bonus once you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day

Excellent Credit required

QuicksilverOne Rewards

There is no need to worry if your credit is not the best! Capital One® has just the card to make sure you are served with great benefits! You will get the same cash back incentives. This card has a small annual fee of $39

APR: 26.99% variable

  • Earn unlimited 1.5% cash back on every purchase, every day

Fair Credit required

Suggestively, if you are an individual that loves dining out, entertainment, and/or also does a great deal of grocery shopping, you may want to consider Savor Rewards credit card.

Savor Rewards card:

This card has really great cashback benefits for a reasonable annual fee of $95. You will not be regretting your decision after you cash in at the end.

APR: 15.99% – 24.99% variable

  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Excellent Credit required

SavorOne Rewards card:

Relatively the same benefits with no annual fees. This card still has the potential to earn you the best cashback percentage to your advantage.

APR: 26.99% variable APR

  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases.
  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening

Good Credit required

Best Student Option:

As a student, we do not have much experience in the credit or financial market. We are not accustomed to the terminologies, let alone, what is best for us. Based on the assumption that you are a young student over the age of 18 years old, your credit score and credit history are not developed. The following Capital One® credit offers a great credit card for young ones to build their credit whilst enjoying the rewards.

Journey Student Card:

Earn rewards today. Build credit history for tomorrow with responsible use. There is no annual fee.

APR: 26.99% variable

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
  • Earn $5 per month for 12 months on select streaming subscriptions when you pay on time. *Exclusions Apply

More so, this card allows you to be automatically considered for a credit line in as little as 6 months, depending on your spending habits and repayment on time.

To eliminate further fees, you won’t pay a transaction fee when making purchases outside of the United States.

Fair Credit required

Bad or Poor Credit Score?

If you have struggled in the past and your credit history is not the most appealing, worry not. There is an option to help and assist you in rebuilding your credit status. Capital One® has a Secured Mastercard that allows you put an initial deposit down to start spending on the credit card build your credit history and develop some positive spending habits.

Secured Mastercard

Refundable deposit of $49, $99 or $200 gets you a $200 initial credit line. Be automatically considered for a higher credit line in as little as 6 months.

APR: 26.99% variable

Poor Credit is okay

Standard Benefits that come along with the Capital One® Credit Cards:

Fraud Coverage:

You’re covered by $0 Fraud Liability if your card is ever lost or stolen. That means you will not be responsible for fraudulent purchases.

Virtual Card Numbers from Eno®:

Use Eno, your Capital One® assistant, to pay for online purchases with virtual card numbers and keep your actual card number private.

Account Alerts from Eno®:

Receive alerts from Eno, your Capital One® assistant, if a potential mistake or unexpected charge is detected—like a duplicate purchase or a sudden increase in a recurring bill.


Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®. It’s free and available to anyone, whether you have a Capital One® product.

What to do if your card is stolen?

Reporting your lost or stolen card online is the fastest way to start the process of getting a replacement card. When you do that, Capital One® will deactivate your old card so no one else can use it, and you can tell the bank if there are purchases on your account you didn’t make. If you can’t complete the process online, call 1-800-955-7070. From outside the United States, call Capital One®’s collect number at (804) 934–2001.

What do some of the financial education sites have to say?

Nerd wallet: has given a 4.9 rating to the Capital One® SavorOne Rewards Credit Card for its whopping 3% cashback returns on dining out. “This card is a better choice for people who don’t eat out all the time” – understandable given that you are maximizing your trips out.

Credit Karma: With an overall 4.0 rating, Quicksilver cash rewards credit card is a really great choice for individuals who are seeking a well-balanced return on their spending. “It does a good job of meeting multiple needs and providing ongoing value.”

Value Penguin: “The Capital One® Venture Rewards Credit Card is an excellent card for moderate spenders who like to travel.” – with a great 4.5 Editor’s rating – simple rewards structure with the ability to transfer your points to many hotel and airline partners. “Imagine credit cards that are easy to use, miles that are easy to redeem and rewards that are easy to love. Capital One® has all this and more…. All backed by one of the nation’s largest banks.”


Capital One® transfer partners — complete list:

You can currently transfer Capital One® miles to 13 airline and two hotel partners, and most are at a rate of 2 Capital One® miles to 1.5 airline miles or hotel points, with a few exceptions as noted below:

  • Aeromexico Club Premier
  • Air Canada Aeroplan
  • Air France-KLM Flying Blue
  • Alitalia MilleMiglia
  • ALL – Accor Live Limitless (2:1 ratio)
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Emirates Skywards (2:1 ratio)
  • Etihad Guest
  • EVA Infinity MileageLands
  • Finnair Plus
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore KrisFlyer (2:1 ratio)
  • Wyndham Rewards

Occasionally Capital One® offers transfer bonuses, so it’s worth keeping an eye out if there’s an award you want to book.

Best to worst – Capital One® Airline Transfer Partners:

Air France-KLM Flying BlueEtihad GuestAeromexico Club Premier
Singapore KrisFlyerCathay Pacific Asia MilesAlitalia MilleMiglia
Avianca LifeMilesJetBlue TrueBlueEmirates Skywards
Air Canada AeroplanQantas Frequent FlyerFinnair Plus

How do you apply my payments?

Capital One® generally applies payments up to your minimum payment first to the balance with the lowest APR, and then to balances with higher APRs. They apply any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances with lower APRs.

What should I do if I’ve been declined and can’t access my secure letter online?

If you’ve been notified online that you were declined for a credit card from Capital One®, They want to make sure they help you understand why. If you are unable to access your secure letter online containing further details, please call them at 1-800-903-9177 to request that a paper copy be mailed to you.

When does Capital One® update an account to the credit bureaus?

We typically share credit card account information with credit bureaus once a month. A credit report will show the date we sent the updated information.

How can I reduce the amount of interest that I pay?

If possible, pay your balance in full to avoid interest charges.

Making on-time payments of more than your minimum payment each month will reduce the overall amount of interest you pay.

How can I review and redeem my rewards—or get help if I have questions?

If you are already a Capital One® rewards credit card customer, you can access your rewards information online anytime by signing into your account. You can even set a specific threshold for redemption in which you would automatically receive your cash back.

Final Words

You have received a mail for, consider yourself as one of the chosen ones. Your spending habits and your habit of repayment on time made your credit history and credit score appealing to the bank. You have now read through the benefits of different credit card programs and should not hesitate to reply to the mail offer. If you have a low credit score, do not worry, Capital One® still has a program in place to get you started and very soon, you reap the rewards as well. Browse through different programs and apply for the one that fits your needs the best.

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