Capital One consumer 48-month bonus limit

What it does

Each of these four Capital One product pages carries the same footnote with the product name swapped in: "Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months". The clock runs from the day the bonus was received, not from when the card was opened or closed, and the bar is anchored on having RECEIVED a bonus rather than on having held the account. It is also strictly per product: a Savor bonus does not block a Quicksilver bonus, and vice versa.

How it works

• The window is counted from the bonus, not the account. A bonus received 47 months ago still blocks; one received 49 months ago does not.
• Holding the card before is not by itself a bar. If you had the account and never took the bonus, this rule does not stop you.
• It does not pool across products. The four cards each carry their own 48-month clock, so taking the Savor bonus leaves the Quicksilver bonus available.
• The Quicksilver page words the consequence more broadly than the other three, saying you are not eligible for this product rather than for this bonus. We encode the narrower reading, which is the one the other three pages support.
• The student cards are separate products. Capital One does not say whether a Savor Student bonus counts against the Savor, so we make no claim either way and encode no link between them.
• This is separate from the Venture family rule, which pools one bonus across VentureOne, Venture and Venture X. Moving up a Venture tier is generally still possible; this consumer rule is not about tiers at all.

What to do

• Check the date the bonus posted, not the date you opened the card. That is the date this clock runs from, and it is the one people usually get wrong.
• If you are inside the window on one of these, take a different Capital One consumer product instead. The clocks are independent.
• Watch the 1-in-6 velocity rule at the same time. It governs whether the application is approved at all, while this one governs whether the bonus pays.
• Read the footnote on the page you apply from. Capital One puts this sentence in the small print under the offer rather than in the offer itself.