Everything you need to know about Capital One's pre-approved credit card offers and how to use your reservation code to secure your card today.
Getmyoffer.Capitalone.com is a secure, dedicated portal created by Capital One to help consumers access and respond to pre-approved credit card offers. If you’ve received a physical mailer or email from Capital One containing a reservation code, this website is the gateway to redeem that offer and apply for a credit card online.
The system is streamlined for ease of use. Instead of browsing through dozens of card options, Capital One pre-screens candidates based on soft credit checks and sends out specific invitations. This means you’re not just applying blindly — you’re already a qualified candidate based on your creditworthiness. While approval isn’t 100% guaranteed, it significantly improves your chances.
The site also ensures the process remains safe and user-friendly. With encryption and verification protocols in place, you can securely enter your reservation and access code to begin the application process with confidence.
Eligibility for the GetMyOffer Capital One promotion is determined through soft credit inquiries. Capital One reviews consumer credit profiles via credit bureaus without affecting credit scores. If you meet certain financial and creditworthiness criteria — such as stable income, moderate to good credit history, and low debt-to-income ratio — you may receive a targeted offer.
These offers are typically sent by mail and include personalized codes. However, receiving an offer doesn’t mean guaranteed approval. Once you apply using your code, a hard inquiry is performed, and your full credit report is reviewed before final approval is granted. It’s important to review your credit report and make sure there are no recent negative items before submitting your application.
If you didn’t receive a reservation code but still want to see if you qualify, you can visit Capital One’s pre-approval page and check your eligibility online without impacting your score.
One of the biggest advantages of using a GetMyOffer invitation is that it simplifies the credit card application process. You’re not starting from scratch or unsure if you’ll be accepted. Here are some of the top benefits:
Getting started with your Capital One offer is straightforward. You’ll need two things: your 16-digit reservation number and 6-digit access code — both provided in the mailer or email. Once you have these, follow these steps:
In most cases, Capital One provides an instant decision. If more review is needed, you’ll receive a notification by mail within 7–10 business days.
Capital One’s pre-approved mail offers clearly display both the reservation and access codes. These can usually be found near the bottom or center of the letter. The reservation number is a 16-digit sequence, and the access code is 6 digits. Keep in mind that each code is unique and linked to your individual credit profile.
If you’ve lost the letter, unfortunately you won’t be able to retrieve the code. However, you can visit Capital One’s online pre-qualification tool and apply using your basic personal information.
For security reasons, it’s best to avoid sharing your codes with anyone. These are intended solely for your use and can’t be transferred to someone else.
After accessing the GetMyOffer website and entering your reservation details, you’ll be prompted to fill in additional application information. This typically includes:
Once submitted, Capital One will perform a hard credit inquiry and evaluate your eligibility. Most applicants get an instant decision. If additional verification is required, expect a follow-up via mail.
If approved, you’ll receive your new Capital One card in 7 to 10 business days. Make sure to monitor your email for any confirmation or next steps from Capital One.
Activating your card is the final step before you can start using it. Capital One offers two convenient ways to do this:
Call the number on the sticker attached to your card. You’ll be asked to verify your identity using your reservation number, Social Security Number, or other personal details.
Once your card is activated, you can use it online, in stores, and even set up mobile payments with Apple Pay or Google Pay. Don’t forget to enroll in Capital One’s mobile app to manage your transactions, check balances, and monitor your FICO score.
By understanding and completing each step outlined in this guide, you'll be well-equipped to make the most of your Capital One credit offer and manage your credit wisely in 2025 and beyond.