Should I Close a Capital One credit card account?

Closing a Capital One credit card account could make sense for a variety of reasons, and you can do so online or over the phone within minutes. But you may consider a card upgrade or downgrade instead to minimize credit score impacts. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

How do I Close my Capital One account?

In most cases, once an account has been closed, it is a permanent move. It’s very rare for Capital One to be able to reopen an account once it has closed. What happens to the rewards when you close a Capital One credit card?

Does closing a Capital One credit card affect your credit score?

If you close the account, you can monitor the effect on your credit with CreditWise. It’s free for everyone, even if you don’t have a Capital One credit card. And using it won’t hurt your credit scores. Did you find this article helpful?