You can apply for a Capital One Canada credit card online at capitalone.ca. Applications take under 10 minutes and most decisions are instant.
Step-by-Step: Applying Online
- Choose your card — Compare Capital One Canada credit cards
- Go to capitalone.ca — Click “Apply Now” on your chosen card
- Complete the form — Name, date of birth, SIN, annual income, address, housing costs
- Submit — Capital One runs a hard credit inquiry (Equifax/TransUnion). Most decisions are instant.
Income Requirements
Capital One Canada does not publish minimum income requirements for any of its personal credit cards. The Guaranteed Mastercard requires no minimum income.
Applying for the Capital One Costco Mastercard
The Costco Mastercard has a separate application pathway:
- Visit costco.ca/credit-card or apply at a Costco Canada location
- A Costco membership is required (Executive: ~$130/year; Gold Star: ~$65/year)
- Complete the Capital One application form (available on the Costco credit card page)
Guaranteed Mastercard: Eligibility Check
Before applying for the Guaranteed Mastercard, confirm you meet all conditions:
- Canadian resident ✓
- Age of majority in your province ✓
- Have not applied for a Capital One product in the last 30 days ✓
- Have not defaulted on a Capital One product in the past ✓
- Do not already have a Capital One account ✓
If you meet all five, approval is guaranteed.
Required Information
| Field | Details |
|---|---|
| Legal name | As on your government ID |
| Date of birth | |
| SIN | For identity verification (Guaranteed Mastercard may not require) |
| Annual income | From all sources |
| Employment status | |
| Home address | Current address |
| Monthly housing cost | Rent or mortgage |
After You Apply
| Outcome | Timing | What to Expect |
|---|---|---|
| Approved | Seconds | Card mailed; arrives in 5–10 business days |
| Under review | 1–5 business days | Capital One may call or email |
| Declined (standard cards) | Immediate | Consider the Guaranteed Mastercard |
To follow up: 1-800-481-3239 (Capital One Canada).
Related Articles
- Best Capital One Cards in Canada
- Capital One Guaranteed Mastercard Guide
- Best Secured Credit Cards in Canada
Process current as of June 2026. Verify at capitalone.ca. See our Advertiser Disclosure.