To participate in our referral program, please adhere to the following terms and conditions:

• You must apply and be approved for a Capital One credit card in the referral program.
• Use the referral link provided by your friend to complete the application process; otherwise, they will not receive a referral bonus.
• This program is designed for new customers joining Capital One, so you must be a new credit card customer for your friend to get a bonus through the referral program. Your friend won't receive a referral bonus if you already have a Capital One credit card.
• Ensure that the referral offer you received from your friend remains valid when you apply from the referral page. An expired link will result in your referral not going through.

By participating in the referral program, you acknowledge and agree that the Capital One customer who referred you could receive a referral bonus if your application is approved and may be informed of your approval status. We reserve the right to modify, change, or terminate the referral program at our discretion, and qualifications may change at any time.

Personalized messages sent with the referral link are solely from your friend; we have not reviewed their content. We also reserve the right to delay or choose not to enforce our rights under the referral program without forfeiting our ability to implement them later.

Always Earning

• 3% cash back on all dining, including takeout and delivery services.
• 3% cash back on drugstore purchases.
• 5% cash back on travel booked through Chase Ultimate Rewards.
• 1.5% cash back on all other purchases.

Discover Cards are becoming a trend in earning rewards. When you refer a friend through Upnor Credit, and they're approved by December 31, 2023, you'll receive a $100 Statement Credit after they purchase within three months of account opening. It's an excellent way to share the benefits and enjoy a little extra. The promotional reward applies within 8 weeks.

At Upnor Credit, the security of your information is our top priority. We employ state-of-the-art encryption and security measures to safeguard your personal and financial data. Rest assured that when you choose Upnor Credit, you choose a partner committed to protecting your privacy and ensuring a secure financial experience.