So, You Want to Get a Capital One Card to Get Taylor Swift’s Latest Album? Read This First
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News of Taylor Swift’s latest partnership with Capital One is almost causing more shockwaves than the Kim Kardashian feud. The pop star’s new partnership allows cardholders to get the chance to pre-order an exclusive album bundle that includes some pretty cool perks: a digital standard edition of “Lover,” her latest album due out on August 23, and a one-of-a-kind Taylor Swift t-shirt.
Understandably, the news has hardcore Taylor fans running to apply for a Capital One card.
But if your head is spinning and you don’t know which card to sign up for to get these exclusive perks, well, you’ve come to the right place.
Applying for a Capital One Card
Some credit-card issuers have strict rules when it comes to applying for cards. For example, regardless of what credit score you have, Chase won’t approve you for a new card if you’ve opened five or more personal credit cards across all banks in the last 24 months. Capital One isn’t as strict, though it still has some rules you need to be aware of.
First, you’re only allowed to have two personal Capital One cards in your wallet any given moment. This rule shouldn’t affect you if this is your first Capital One card, but should serve as a reminder to pick your card(s) carefully.
Next, you’re only able to get approved for one Capital One card every six months. Again, all this should mean for new Capital One customers is to go with the card that suits your needs best.
The final rule applies to sign-up bonuses, which is just another way of saying “If you spend a certain amount of money in a certain amount of time, you’ll get a certain amount of bonus points.” While Capital One has been known to award sign-up bonuses multiple times on the same card if you follow the above rules and are approved, for most cards, Capital One includes language that gives them the right not to award the sign-up bonus again. This simply implies that you might be rolling the dice on applying for a new card and earning a bonus if you’re a current or past holder of that card.
Although this has become more of a hit-or-miss proposition, sometimes Capital One will let you instantly gain access to your card number and expiration date immediately after being approved. Translation: You may be able to purchase your Taylor Swift bundle as soon as you’re done reading this story.
Choosing a Capital One Card
Capital One offers 14 different credit cards you could choose from, including ones specifically for students and those rebuilding their credit. Not all of them are equal, so we’ve picked the best one for every type of Swiftie. Note that all of the cards on this list with an annual fee also have watered-down, no-annual fee versions — such as the Capital One VentureOne Rewards Credit Card — with fewer perks and lower earning rates.
- Capital One Venture Rewards Credit Card: Best for travel
- Capital One Savor Cash Rewards Credit Card: Best for dining and entertainment
- Capital One Quicksilver Cash Rewards Credit Card: Best no annual fee flat-rate card
- Journey Student Rewards from Capital One: Best for students
This card is ideal for travelers because the rewards you earn with it can be transferred to airline miles. It’s currently offering a 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months and earns you 2x miles on purchases. This card has a $95 annual fee, but perks like a free TSA PreCheck or Global Entry application fee credit (up to $100) and no foreign transaction fees help justify it. After all, who wouldn’t want to get through airport security faster?
APPLY HERE: Capital One Venture Rewards Credit Card
The Savor Rewards from Capital One is a no-frills cash-back card that aims to compete on its earning rates. It earns 8% back on event tickets purchased through Vivid Seats (offer ends January 2022), 4% back on dining and entertainment, 2% back at grocery stores and 1% on everything else. It is currently offering new cardholders $300 after spending $3,000 in the first 3 months and has a $95 annual fee.
The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If it’s pure simplicity and no annual fee you’re after, then the Quicksilver from Capital One is your best bet. It earns a fixed and unlimited 1.5% cash back on all purchases, so there’s no need spend time learning about transferring miles or keeping track of bonus spend categories. The sign-up bonus is $200 after you spend $500 in the first 3 months of account opening, which isn’t massive, but the spending requirement is low. Just note that if you’re in the market for a no-annual-fee cash back card like this and are open to non-Capital One cards, you’d likely be better off picking the Citi® Double Cash Card instead.
The Journey Student Rewards card is targeted toward those with minimal credit history. It pays 1% cash back on all purchases and gives a 25% bonus if you pay your bill on time (totaling 1.25% cash back for that month). Aside from no annual fee, this card doesn’t have any foreign transaction fees, so it’s a good option for students studying abroad.
Credit cards are good for a lot of things besides earning points for free business-class flights and stays at aspirational hotels. They often come with a number of lesser known perks, such as cell phone insurance, discounts at SoulCycle, annual Saks Fifth Avenue shopping credits and VIP event access. And sometimes, they can get you access to exclusive T-Swizzle swag.
While the exclusive album package will only be on sale until September 30, 2019, Taylor Swift’s partnership with Capital One will last multiple years, so there will likely be more cardmember-exclusive perks to come. If you want to sign up for one of the best capital one credit cards now to get access to the limited-edition perks, there are clearly so many options to choose from, you’re bound to find one that fits your overall spending needs.
Other ongoing Capital One cardholder-exclusive perks include access to exclusive restaurant reservations through Resy and special access to the James Beard Foundation’s 2019-2020 Taste America series. Additionally, Capital One cardholders have previously gotten special access to certain music festivals like the iHeartRadio Music Festival and JamFest at the March Madness Music Festival.
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WELCOME OFFER: 80,000 Points
TPG'S BONUS VALUATION*: $1,650
CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners
*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.