Unlock your pre-approved credit offer in 2025 using the Capital One Reservation Code system.
The Capital One reservation code is a unique 16-digit number paired with a 6-digit access code that you receive via a pre-approved mail offer. It’s your personalized invitation to apply for a specific Capital One credit card offer online through getmyoffer.capitalone.com. These offers are generated based on a soft credit pull, and while not guaranteed approval, they indicate strong prequalification.
Your reservation code is typically printed in a bold, easy-to-spot area on your Capital One mailer. Look near the center or bottom of the offer letter. You’ll find two important codes:
These codes are required to start your application and are tied to the credit offer designed for you.
Once you locate your code, follow these steps to proceed:
Many applicants receive an instant decision. If not, Capital One will notify you by mail within 7–10 business days.
Capital One uses pre-screening criteria from credit bureaus to identify consumers who meet the basic requirements for one of their card products. If you have fair to excellent credit and minimal derogatory marks, you may receive an invitation. Note: even with a reservation code, a full approval depends on your full credit profile at the time of application.
Yes. If you didn’t receive an offer but still want to see if you qualify, you can visit Capital One’s pre-approval page and complete a short questionnaire. This soft inquiry won’t impact your credit score and lets you explore available options before formally applying.
If you misplaced your offer letter, you won’t be able to recover the code online. These codes are tied to your personal invitation and are not stored for public lookup. Your best option is to request pre-approval online directly from Capital One’s website or wait for another offer in the mail.