Capital One has developed a fame for providing simple rewards bank cards that make incomes rewards straightforward. That is why I selected the issuer for my very first card.
The Capital One VentureOne Rewards Credit score Card gave me an inexpensive, simplistic entry level to journey rewards, and it held a slot in my pockets for over a decade earlier than I upgraded it to the Capital One Enterprise X Rewards Credit score Card.
Some Capital One playing cards are geared towards vacationers, are loaded with journey perks and supply entry to Capital One Journey, the issuer’s useful reserving portal.
Different Capital One playing cards are designed extra for foodies or small-business homeowners, however all of them have one factor in frequent: They provide versatile, easy-to-use rewards with robust incomes charges in frequent classes, together with nonbonus spending.
Although I’ve since branched out to different card issuers like Chase and American Categorical, Capital One playing cards are nonetheless a cornerstone of my factors and miles technique. They assist me rack up rewards in classes the place my different playing cards cannot compete, and I’ve used these rewards to ebook zero-cost flights to Europe and impartial lodge stays within the U.Ok. and past.
Whether or not you are a beginner to the factors and miles world or a extra superior traveler seeking to increase your rewards on on a regular basis purchases, Capital One has a card for you. Listed below are our prime picks.
One of the best Capital One bank cards
*The data for the Capital One Spark Miles Choose for Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Evaluating one of the best Capital One bank cards
Here is an outline of TPG’s suggestions for one of the best Capital One bank cards.
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| Card | Greatest for | Welcome supply | Incomes charges | Annual payment |
|---|---|---|---|---|
| Capital One Enterprise Rewards Credit score Card | New factors and miles fans | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. Plus, earn a one-time $250 Capital One Journey credit score to make use of within the first cardholder 12 months. |
|
$95 |
| Capital One Enterprise X Rewards Credit score Card | Journey credit and lounge entry | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
|
$395 |
| Capital One Spark Miles for Enterprise | Incomes transferable miles on enterprise bills | Earn 50,000 miles after spending $4,500 on purchases within the first three months from account opening. |
|
$0 introductory payment for the primary 12 months, then $95 |
| Capital One Quicksilver Money Rewards Credit score Card | A easy cash-back incomes construction with no annual payment | Earn a $200 money bonus after spending $500 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Savor Money Rewards Credit score Card | Eating, groceries and leisure | Earn $200 money again after spending $500 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Enterprise X Enterprise | Enterprise homeowners who journey usually | Earn 150,000 miles after spending $30,000 within the first three months from account opening. Plus, earn a further 200,000 miles after spending $200,000 within the first six months. |
|
$395 |
| Capital One VentureOne Rewards Credit score Card | Incomes transferable miles with no annual payment | Earn 20,000 miles after spending $500 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Spark Money Plus | Excessive-spending companies | Earn $2,000 money again after spending $30,000 within the first three months of account opening. Earn a further $2,000 money bonus for each $500,000 spent in the course of the first 12 months. |
|
$150 |
| Capital One Spark Money | Simple money rewards on nonbonus enterprise purchases | Earn $750 money again after spending $7,500 within the first three months from account opening. |
|
$0 introductory payment for first 12 months, then $95 |
| Capital One Spark Miles Choose for Enterprise | Incomes transferable miles on enterprise bills with no annual payment | Earn 50,000 miles after spending $4,500 on purchases within the first three months from account opening. |
|
$0 |
Now, let’s look at every card intimately and take into account why a few of these deserve a spot in your pockets.
Capital One Enterprise Rewards Credit score Card
Welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening. Plus, earn a one-time $250 Capital One Journey credit score to make use of within the first cardholder 12 months.
Annual payment: $95.
Standout advantages: Because of a stellar welcome supply, a profitable incomes technique and worthwhile transferable rewards, the Capital One Enterprise Rewards Credit score Card is persistently ranked among the many finest rewards bank cards.
For a modest annual payment of $95, this card earns an infinite 2 Capital One miles per greenback spent on all purchases (besides inns, trip leases and rental automobiles booked via Capital One Journey, which earn 5 miles per greenback spent).
That makes the Enterprise Rewards an ideal all-around card for on a regular basis, nonbonus spending (suppose: pet care, wedding ceremony bills, residence enchancment retailer purchases and automobile repairs). This card additionally gives a International Entry or TSA PreCheck credit score and doesn’t cost international transaction charges, making it an ideal journey companion for wherever your worldwide journeys take you.
Plus, the Enterprise’s present welcome supply is among the finest we have seen. Not solely are you able to earn 75,000 bonus miles (value $1,388, in line with TPG’s April 2025 valuations), however you can too get a one-time journey credit score value $250 whenever you ebook journey by way of Capital One Journey in your first cardholder 12 months. With an enormous number of flights, lodging, automobile leases and extra out there on the portal, this credit score is simple to make use of.
You possibly can redeem Capital One miles to reimburse your self for journey purchases at a hard and fast price of 1 cent apiece, or you possibly can maximize their worth by transferring them to Capital One’s 15-plus airline and lodge companions. Though Capital One’s record of switch companions is probably not as lengthy or as diverse as some rivals, I’ve gotten nice worth from my miles by transferring them to Air France-KLM Flying Blue and British Airways Membership to ebook worldwide flights.
The Enterprise Rewards is among the finest all-around Capital One journey playing cards and a perfect starter card for brand spanking new factors and miles fans who do not need to fear about memorizing bonus classes. It may also be an ideal alternative for extra superior vacationers seeking to fill the hole between the bonus classes on their different playing cards.
For extra data, try our Enterprise Rewards card evaluate.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Capital One Enterprise X Rewards Credit score Card
Welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Annual payment: $395.
Standout advantages: Consider the Enterprise X because the older sibling to the Enterprise Rewards card. This premium providing comes with the next annual payment and extra perks which might be particularly helpful for frequent vacationers. The Enterprise X was named the Greatest Premium Journey Credit score Card on the 2024 TPG Awards and was additionally the primary premium bank card in my pockets.
With no international transaction charges and an incomes price of an infinite 2 miles per greenback spent on all purchases, the Enterprise X is ideal for purchasing souvenirs and making different nonbonus purchases overseas. Plus, whenever you ebook via Capital One Journey, you may earn a powerful 10 miles per greenback spent on inns and rental automobiles and 5 miles per greenback spent on flights and trip leases. Moreover, you may get entry to elite advantages at choose inns via Capital One’s Premier Assortment.
The cardboard’s perks embrace a International Entry or TSA PreCheck credit score, an annual $300 journey credit score to make use of on Capital One Journey, 10,000 bonus miles every year, journey insurance coverage and entry to Capital One and Precedence Go lounges.
With so many journey choices out there on Capital One Journey, I’ve discovered it straightforward to make use of the $300 journey credit score that comes with the Enterprise X, which successfully drops the annual payment to $95. That is a steal for a card that additionally supplies beneficiant lounge entry.
Granted, Capital One’s lounge community continues to be fairly small, however because it consists of my residence airport in Denver, I get loads of use out of the cardboard’s lounge perk.
If you happen to’re torn between the Enterprise and the Enterprise X, take into account how usually you journey and your journey fashion. If you happen to can simply use the $300 Capital One Journey credit score every year and the extra perks, like lounge entry, the Enterprise X is a no brainer.
Attempting to resolve if that is proper card on your wants? Learn our Enterprise X card evaluate for extra data.
Be taught extra: Capital One Enterprise X Rewards Credit score Card
Capital One Spark Miles for Enterprise
Welcome supply: Earn 50,000 miles after spending $4,500 on purchases within the first three months from account opening.
Annual payment: $0 introductory payment for the primary 12 months, then $95.
Standout advantages: If you would like to earn worthwhile transferable Capital One miles and qualify for a enterprise bank card, take into account the Capital One Spark Miles for Enterprise.
This enterprise card has the identical incomes construction as its shopper counterpart, the Enterprise Rewards card, incomes 5 miles per greenback spent on inns, trip leases and rental automobiles booked via Capital One Journey and a couple of miles per greenback spent on the whole lot else. Consequently, this card is ideal for enterprise homeowners who spend lots in classes not coated by different enterprise playing cards or preferring a easy incomes construction with no spending limits or classes to trace.
Plus, the welcome bonus on the Spark Miles for Enterprise is the simplest to earn of all of the Capital One enterprise playing cards on this record, making it attainable even for companies with comparatively small bills.
The 50,000 Capital One miles you possibly can earn after spending $4,500 on purchases inside the first three months of account opening are value $925 per our April 2025 valuations — or $500 when you redeem your miles at a hard and fast price of 1 cent every (although we sometimes advocate redeeming your miles for journey, as you possibly can stretch their worth additional this fashion).
For extra data, try our Spark Miles for Enterprise card evaluate.
Be taught extra: Capital One Spark Miles for Enterprise
Capital One Quicksilver Money Rewards Credit score Card
Welcome supply: Earn a $200 money bonus after spending $500 on purchases within the first three months from account opening.
Annual payment: $0.
Standout advantages: One factor I really like about Capital One bank cards is that almost all of them present entry to the Capital One Journey portal — even no-annual-fee cash-back playing cards like this one. Capital One Journey gives an enormous number of flights, lodging and rental automobiles, and its worth prediction device and worth watch options give it an edge over competitor portals.
Irrespective of which card you maintain, you possibly can earn bonus rewards on some journey booked via Capital One Journey. Nonetheless, journey classes and incomes charges differ barely from card to card. Within the case of the Quicksilver Money Rewards Credit score Card, you may earn 5% money again on inns and rental automobiles booked via the portal and an infinite 1.5% money again on all different purchases.
You possibly can convert these rewards to money again and use them on nearly something with no minimal quantity to redeem your rewards, which means you possibly can apply your earnings instantly to your assertion credit score and decrease your bank card invoice. With no annual payment and no expiration on your money again, this is among the most foolproof methods to economize in your on a regular basis purchases.
Alternatively, when you presently maintain a miles-earning Capital One card (or plan to get one ultimately), the Quicksilver Money Rewards can turn out to be much more worthwhile. That is as a result of you possibly can convert your cash-back rewards into absolutely transferable Capital One miles when you maintain one other card that earns Capital One miles.
If you happen to’re hoping to start out with a easy, no-fuss cash-back rewards technique and ultimately department out into the factors and miles world, it is a nice card to get you began.
Take a look at our Quicksilver Money Rewards card evaluate that will help you resolve if that is the appropriate product for you.
Be taught extra: Capital One Quicksilver Money Rewards Credit score Card
Capital One Savor Money Rewards Credit score Card
Welcome supply: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual payment: $0.
Standout advantages: After holding varied Capital One journey playing cards for years, I’ve my eye on the Savor Money Rewards for the subsequent addition to my pockets. That is as a result of I spend lots on groceries (and these days, who does not?), and this gem of a card may help me rack up rewards on this class, in addition to on eating, leisure and streaming purchases.
Cardholders earn 8% money again on Capital One Leisure purchases, 5% money again on inns and rental automobiles booked via Capital One Journey, 3% money again at grocery shops (excluding superstores like Walmart and Goal) and on eating, leisure and standard streaming providers and 1% money again on all different purchases. That is a reasonably spectacular incomes construction for a card with no annual payment, and it makes it one in all our favourite eating bank cards.
One other main perk? The Savor Money Rewards card does not cost international transaction charges, which implies you possibly can proceed incomes bonus rewards on eating, groceries, leisure and extra whereas overseas.
This card has much more potential when you pair it with a miles-earning card just like the Enterprise X, which lets you convert your cash-back rewards into absolutely transferable Capital One miles.
The Savor Money Rewards card is an incomes powerhouse for budget-conscious shoppers who spend lots on groceries and nights out however do not need to pay a hefty annual payment to maximise rewards on these purchases.
It is also a wise alternative when you already maintain a Capital One miles-earning card, just like the Enterprise or Enterprise X, that enhances the Savor’s incomes construction. And when you’re planning to check overseas or turn out to be a digital nomad, this card is the proper companion for grocery runs in international nations.
With no annual payment and an easy-to-earn welcome bonus, there isn’t any cause not to use for this card.
For extra data, try our evaluate of the Savor Money Rewards card.
Be taught extra: Capital One Savor Money Rewards Credit score Card
Capital One Enterprise X Enterprise
Welcome supply: Earn 150,000 miles after spending $30,000 within the first three months from account opening. Plus, earn a further 200,000 miles after spending $200,000 within the first six months.
Annual payment: $395.
Standout advantages: The enterprise model of the Enterprise X is sort of similar to the patron model, all the way down to the $395 annual payment.
The variations lie in business-friendly options, like the flexibility to assign account managers, obtain buy data into varied codecs and add worker playing cards at no extra value. As a substitute of getting a preset spending restrict, this card adapts to your wants primarily based on spending conduct, cost historical past and credit score profile.
The Capital One Enterprise X Enterprise card additionally has probably the most profitable welcome gives within the business. It is value $2,775, per TPG’s April 2025 valuations — and that is earlier than you issue within the likelihood to earn an additional 200,000 miles after spending a further $200,000 inside six months from account opening.
Between the versatile spending restrict and the hefty spending required to realize the welcome bonus, this card is right for companies with excessive month-to-month bills. Simply needless to say it is a pay-in-full card, which means you have to be ready to repay your steadiness every month. If it’s essential to carry a steadiness or might not spend sufficient to earn the welcome bonus, different playing cards on this record could also be a greater match for your corporation.
For extra data, learn our evaluate of the Enterprise X Enterprise.
Be taught extra: Capital One Enterprise X Enterprise
Capital One VentureOne Rewards Credit score Card
Welcome supply: Earn 20,000 miles after spending $500 on purchases within the first three months from account opening.
Annual payment: $0.
Standout advantages: The VentureOne is the primary journey card I ever received — and, for a few years, it was the one card in my pockets. Again then, I did not need to preserve observe of a number of playing cards and spending classes, nor did I need to pay an annual payment simply to carry onto a chunk of plastic. The VentureOne was the proper starter card for my younger touring self, with no annual payment, no international transaction charges and an infinite 1.25 miles per greenback spent on all purchases, daily.
Plus, it earns 5 miles per greenback spent on inns and rental automobiles booked via Capital One Journey. As somebody who loves staying at boutique and impartial inns, I earned plenty of miles this fashion and stayed at some distinctive properties that I’ll not have found in any other case.
Not like Capital One’s different no-annual-fee playing cards, the VentureOne earns absolutely fledged Capital One miles. You possibly can redeem these at a hard and fast worth via Capital One Journey or for an announcement credit score to cowl journey purchases, or you possibly can switch them to airline and lodge companions for extra worth. This makes the VentureOne a perfect gateway to the world of factors and miles for anybody who likes to start out small and be taught at their very own tempo.
I selected the assertion credit score route for years, utilizing my miles to cowl my most up-to-date journey buy. With a redemption price of 1 cent per mile, 30,000 miles was sufficient to pay for a $300 airplane ticket residence to go to my mother and father. Later, I began exploring Capital One’s switch companions and found that 30,000 miles might get me a round-trip ticket to Paris if I transferred them to Air France-KLM Flying Blue. I used to be hooked.
The VentureOne can even make a superb companion card as a result of it earns greater than 1 mile per greenback spent on nonbonus purchases. Even after I dove deeper into factors and miles and crammed out my pockets with different playing cards that earned bonus factors and miles on varied classes, I continued utilizing my VentureOne for nonbonus purchases like pet bills and residential enchancment. It remained a staple in my pockets till I finally upgraded to the Enterprise X to earn much more miles on nonbonus purchases.
To seek out out extra, try our evaluate of the VentureOne Rewards card.
Learn extra: Capital One VentureOne Rewards Credit score Card
Capital One Spark Money Plus
Welcome supply: Earn $2,000 money again after spending $30,000 within the first three months of account opening. Earn a further $2,000 money bonus for each $500,000 spent in the course of the first 12 months.
Annual payment: $150.
Standout advantages: The Spark Money Plus is similar to the Enterprise X Enterprise besides it earns cash-back rewards as a substitute of Capital One miles. Its annual payment can also be considerably decrease: $150, which shall be refunded if your corporation spends greater than $150,000 in a 12 months.
When it comes to reward incomes charges, you may get 5% money again on inns and rental automobiles booked via Capital One Journey and an infinite 2% money again on all different purchases.
The precious $2,000 welcome bonus requires the next minimal spend, and you’ll earn a further $2,000 money again for each $500,000 spent within the first 12 months. That quantity could also be out of attain for a lot of small companies, however when you anticipate spending over $500,000 in a 12 months, the welcome bonus alone makes this card a no brainer. If you happen to spend much more, there isn’t any restrict to what number of $2,000 money bonuses you possibly can earn within the first 12 months.
This card rewards companies with excessive working prices, however needless to say the steadiness have to be paid in full each month. If your corporation has excessive bills — and you possibly can pay them off in full every month — this may very well be probably the most profitable Capital One enterprise card for you.
For extra data, learn our evaluate of the Spark Money Plus card.
Be taught extra: Capital One Spark Money Plus
Capital One Spark Money
Welcome supply: Earn $750 money again after spending $7,500 within the first three months from account opening.
Annual payment: $0 introductory payment for the primary 12 months, then $95.
Standout advantages: If you happen to maintain the Capital One Spark Money, your card and all worker bank cards (which you may get for no extra value) earn an infinite 2% money again on all purchases.
This card additionally comes with a few journey advantages. You may earn 5% money again on inns and automobile leases booked via Capital One’s journey portal, and there aren’t any international transaction charges. Consequently, the Spark Money is a streamlined solution to earn money again on enterprise bills, each at residence and overseas.
This card is particularly helpful for enterprise homeowners who do not spend a lot throughout frequent bonus classes like workplace provides and for many who want a simple incomes construction with no bonus classes or spending necessities to trace.
Plus, the welcome bonus is comparatively straightforward to earn in comparison with different enterprise playing cards on this record, making the Spark Money a superb possibility for small companies with decrease month-to-month bills.
Debating which Capital One enterprise card to pick out? Learn our evaluate of the Spark Money that will help you resolve.
Be taught extra: Capital One Spark Money
Capital One Spark Miles Choose for Enterprise
Welcome supply: Earn 50,000 miles after spending $4,500 on purchases within the first three months from account opening.
Annual payment: $0.
Standout advantages: With no annual payment and one of many best welcome bonuses to earn on a Capital One enterprise card, the Spark Miles Choose makes an ideal starter card for small-business homeowners with decrease overhead.
This card does not cost international transaction charges and earns 1.5 miles per greenback spent on all purchases, with no restrict to what number of miles you possibly can earn. These are absolutely transferable Capital One miles, which means you possibly can redeem them at a flat price of 1 cent every or switch them to Capital One’s 15-plus journey companions to get higher worth.
For instance, I just lately booked an Aer Lingus flight from London to Dublin utilizing British Airways Membership Avios that I transferred from Capital One. If I had booked and paid with money, the ticket would have value $138 (or 13,800 Capital One miles), however as a result of I leveraged my reward miles by transferring them, this award flight solely value 4,000 Avios (the reward foreign money Aer Lingus makes use of). Because of Capital One’s switch companions, I saved practically 10,000 miles and received a stellar worth of three.5 cents per mile.
That is the facility of incomes transferable currencies, and the Spark Miles Choose for Enterprise is a simple, inexpensive solution to do it. If you happen to’re considering incomes journey miles on enterprise bills with no annual payment, look no additional.
Be taught extra: Capital One Spark Miles Choose for Enterprise
What to contemplate when selecting a Capital One bank card
There isn’t a single finest Capital One bank card as a result of one of the best card is determined by your way of life and funds. Listed below are some inquiries to ask your self to search out the best choice on your particular wants.
Most popular rewards
What kinds of rewards are most helpful to you? You possibly can usually get probably the most worth out of versatile bank card rewards by transferring them to airline and lodge companions, however this provides effort and time to the redemption course of. If you happen to want a simplistic strategy to incomes and redeeming bank card rewards throughout the purchases you make, one in all Capital One’s cash-back playing cards could also be excellent for you.
I want incomes Capital One miles as a result of I journey usually and really feel assured that I can get extra worth out of transferable miles than money again. If you happen to’re on this route, spend a while attending to know Capital One’s 15-plus switch companions to see how you possibly can use your miles.
As an illustration, Avianca LifeMiles is nice for home journey, and Air Canada Aeroplan has some incredible long-haul candy spots, particularly now that it has eradicated gas surcharges.
Flying Blue is one in all my favourite redemption paths as a result of it usually runs incredible Promo Rewards on flights to Europe. On the lodge facet, there are a number of distinctive methods to redeem Selection Privileges factors, plus packages like Wyndham Rewards supply redemptions beginning at 7,500 factors per night time.
These are only a few of the loyalty packages the place you possibly can switch Capital One miles. With greater than 15 airline and lodge companions, Capital One has a switch associate for nearly everybody.
Spending habits
Subsequent, take into account your private spending habits (or enterprise bills); which classes seem in your bank card statements most frequently?
One of the best card for you’ll earn rewards within the classes you spend most in. Capital One shines within the realm of flat-rate bank cards, that are nice for nonbonus spending, because it gives playing cards that earn further rewards on eating, groceries, leisure and journey. In case your bills usually fall into different frequent bonus classes, you could discover higher choices with different issuers.
If you happen to journey usually, you may need to be sure you have at the very least one card in your pockets that does not cost international transaction charges. You must also look carefully on the journey classes and incomes charges on Capital One’s playing cards. Most of them earn bonus rewards on inns and rental automobiles booked via Capital One Journey, however solely a pair — the Enterprise and Enterprise X — earn further on flights booked via the portal. If you happen to spend lots on flights, this may occasionally affect your resolution.
Welcome bonus
Your most popular rewards kind and spending habits are probably the most essential elements in figuring out one of the best Capital One card for you in the long run. That stated, welcome bonuses may help you resolve when so as to add a card to your pockets and by which order to use for a number of playing cards — I’ve actually been recognized to attend to use for a card till a greater welcome bonus comes alongside.
Welcome bonuses can even make it easier to slender down your selections. As an illustration, say you are torn between the Enterprise and the Enterprise X. The Enterprise is presently providing an elevated welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening, plus a $250 Capital One Journey credit score to make use of within the first cardholder 12 months.
This is among the finest gives we have seen on this card. If you have already got confirmed journey plans, that $250 Capital One Journey credit score will assist offset the prices of your upcoming journey.
Annual payment
I’ve really useful some Capital One playing cards that cost an annual payment. Nonetheless, many playing cards’ rewards and advantages outweigh their annual charges. It is as much as you to resolve what works finest on your wants on a card-by-card foundation.
Make it possible for your required card’s annual payment suits into your funds and that you will get sufficient worth from the cardboard to make it worthwhile. If not, there are many standout Capital One playing cards on this record that do not cost an annual payment.
Final 12 months, I received accredited for the Enterprise X, my first premium bank card. It is presently the most costly card in my pockets, and once I lastly received it, the $395 annual payment was robust to swallow.
Nonetheless, since I usually keep at impartial inns, I knew I might simply use the cardboard’s $300 annual journey credit score on a lodge keep via Capital One Journey, basically decreasing the annual payment to $95.
For all the opposite advantages I get from the cardboard — like the flexibility to earn an infinite 2 miles per greenback spent on all purchases, lounge entry and 10,000 bonus miles every anniversary 12 months — $95 now looks like a steal.
How we selected one of the best Capital One bank cards
We rated one of the best Capital One playing cards primarily based on a number of elements, together with reward-earning charges, welcome bonuses and different advantages related to every card.
Take a look at our methodology to be taught extra about how TPG evaluates and selects playing cards for our roundups.
Redemption choices for Capital One bank cards
If you happen to go for a cash-back Capital One card, you possibly can apply your rewards as an announcement credit score towards your bank card invoice. Thus, you possibly can redeem them for something — an upcoming trip, new home equipment on your residence, a present for a liked one or just final week’s groceries.
If you happen to maintain a card that earns Capital One miles, you are restricted to redeeming your rewards for journey, however there are various methods to take action.
One possibility is to make use of your miles towards journey at a price of 1 cent every, both by reserving via the Capital One Journey portal or redeeming for an announcement credit score towards a current journey buy. We advocate the latter as a result of you possibly can basically save 5% on inns and rental automobiles this fashion.
Alternatively, you possibly can switch Capital One miles to one of many program’s 15-plus journey companions and redeem them straight for flights or lodge stays. I sometimes use my miles for worldwide flights via Air France-KLM Flying Blue or British Airways Membership as a result of these packages supply low award charges and direct flights from my residence airport. Listed below are just a few different concepts for associate redemptions you possibly can make with Capital One miles:
- Switch to Air Canada Aeroplan to ebook home financial system flights for as little as 6,000 factors every approach.
- Switch to Avianca LifeMiles to fly enterprise class to anyplace in Europe for under 80,000 miles one-way and no gas surcharges.
- Switch to Etihad Visitor to snag the ultraluxe first-class Residences ranging from 200,000 miles every approach.
- Switch to Wyndham Rewards to ebook this system’s new all-inclusive resorts beginning at 15,000 factors per night time.
Transferring to companions will make it easier to stretch the worth of your miles to greater than 1 cent every, however there are some things to remember.
Know that whereas most Capital One companions let you switch miles at a 1:1 ratio, just a few of them supply a much less fascinating ratio. These embrace EVA Air Infinity MileageLands (2:1.5), JetBlue TrueBlue (5:3) and Accor Dwell Limitless (2:1). Typically, you may get higher than a 1:1 ratio if Capital One is working a switch bonus.
Additionally, remember that transfers are irreversible. All the time seek for your dates on the associate’s web site and ensure award availability earlier than transferring miles, and make it possible for your identify in your Capital One account and your associate loyalty account match. Our information to Capital One switch occasions can inform you how lengthy to count on a switch to take.
In case you have a favourite switch associate(s) on Capital One’s record, you may take into account pairing your Capital One card with a cobranded card within the associate program to construct your factors or miles steadiness quicker.
Backside line
Capital One’s bank card portfolio actually shines with regards to incomes rewards on nonbonus purchases and offering versatile methods to redeem these rewards. It additionally gives some playing cards that earn bonus rewards in frequent buy classes like journey, eating, groceries and leisure.
If you happen to’re a frequent traveler, Capital One’s transferable miles supply a slew of worthwhile redemption alternatives. Plus, all of the Capital One playing cards on this record award bonus miles or money again on at the very least some journey classes booked via Capital One Journey, which, in my expertise, is an easy-to-use journey portal with tons of choices.
Whether or not you are a foodie, frequent jet-setter, enterprise proprietor or a mixture of all of those, you are certain to discover a card on this record that fits your way of life.
Associated: One of the best journey bank cards so as to add to your pockets
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
