The content on this website is accurate as of the date of posting; however, some of our partners' offers may have expired. Please review our listing.best credit cardor use ourCardMatch™a tool to find maps adapted to your needs.
capital firstoffers a wide range of bonus cards, including cards for business use and private use. Whether you're looking for a no-fee card or more premium rewards, Capital One has you covered. Probably one of the most useful publisher rewards is Capital One miles, which can be used for travel, account credits, gift cards, and more.
While Capital One also offers severalcredit card back, you can only earn, redeem, and transfer miles on travel credit cards. Here is a brief description of the available options:
|Able to||Premium Rating||registration bonus||annual fee|
Capital One Venture X Rewards Credit Card
|75,000 miles if you spend $4,000 in the first 3 months||395 $|
Capital One Venture Rewards credit card
|75,000 miles if you spend $4,000 in the first 3 months||95 $|
Capital One VentureOne Rewards Credit Card
20,000 miles if you spend $500 in the first 3 months
Capital One Spark Miles for Businesses
|2X miles with every purchase||50,000 miles if you spend $4,500 in the first 3 months||$95, $0 for the first year|
Capital One® Spark® Miles Select for Businesses*
|1.5X miles with every purchase||20,000 miles if you spend $3,000 in the first 3 months||$ 0|
Loyalty card with no annual fee
Among its loyalty card offerings, Capital One includes two no-fee options. If you want to start earningcapital one mileBut you're not quite ready to spend $95 a year, the VentureOne and Spark Miles Select cards are great places to start.
With the VentureOne card, your total rewards rate is slightly lower - just 1.25 miles to the dollar - compared to Venture Rewards, butwithout annuity.
Business owners can also earn great rewards with no annual fee using Spark Miles Select. This card has a great flat rewards rate that makes it easy to earn rewards on all your business purchases. The biggest disadvantage of choosing a Spark Miles Select card over a Spark Miles card is the much lower priceregistration bonus. At 1 cent per mile, the Spark Miles Select introductory offer is worth just $200, while the Spark Miles offer is worth $500.
Premium Capital One Rewards Card
If you're willing to spend a little more for the annual fee, Capital One also offers two cards with more premium rewards.
The Venture Rewards card is one of the most populartravel credit card,with a simple reward system and a generous sign-up bonus. Cardholders who spend $4,000 within the first three months of opening an account will receive 75,000 award miles - worth $750 each. trip. You'll also earn 2 miles per dollar on every purchase you make and 5 miles per dollar spent on hotels and car rentals booked through Capital One Travel. This makes the Venture card one of the most rewarding options for frequent travelers.
On the more luxurious side, the Venture X card really reaps the benefits, giving you 10 miles to the dollar for hotel and rental car reservations and 5 miles to the dollar for flights throughcapital one travels. For all other purchases, the card still earns 2 miles per dollar. The card's highlight: a 75,000-mile sign-up bonus if you spend $4,000 in the first 3 months, that's $750 per month. trip. The spending target is huge, but if it's within your usual spending range, Venture X and its generous reward structure will make it worth your while.
businessmenthey can also earn great rewards with Spark Miles for Business. Your 2X miles may seem modest compared to premium travel cards, but they'll still bring you a steady stream of rewards throughout the year, especially since Capital One doesn't limit the number of miles you can earn with this card. As for the welcome bonus, cardholders who spend $4,500 within the first three months of opening an account will receive 50,000 award miles.
With Venture X, Venture Rewards and Spark Miles for Business, you can transfer your milesMore than 15 Capital One travel partners,including Air France-KLM, British Airways and Wyndham Rewards. Like many other travel cards on the market, these cards also do not charge fees for overseas transactions. These cards also have no cap on the number of miles you can earn in a year (a big plus for spenders and travelers alike).
While they don't provide miles that can be used at the travel center or that can be transferred to a partner airline, Capital One also offers many cashback cards. If cash prizes are quicker, Capital One likely has a product that fits your needs.
|credit card||Best for|
|Capital One Quicksilver Cash Rewards Credit Card||fast refund rate|
|Capital One Savor Cash Rewards Credit Card*||Gourmet bonus categories|
|Capital One Spark Cash Plus|
Fixed cash return and business benefits
|Journey Student Rewards da Capital One||Students start accumulating credit|
How many Capital One cards can you have?
Like many issuers, Capital One limitsnumber of credit cardsyou can be opened at once. Per the cards terms and conditions, you are not eligible for a new card if you have five or more open credit card accounts with Capital One or if you have applied for a Capital One credit card two or more times in the last 30 days . However, user experience shows that normally you can only get two Capital One personal credit cards at a time. When applying for a new Capital One credit card, you must also ensure that all existing Capital One accounts are in good standing.
How to apply for the Capital One card
All Capital One earning cards require applicants to be comfortableexcellent credit score(over 670). Before applying for a new Capital One rewards card, check your credit history to make sure it's where you need it. you can order onecredit reportevery 12 months from each of the three major credit bureausAnnualCreditReport.com. Due to the COVID-19 pandemic, credit bureaus are offering free weekly credit reports through April 2022.
If you're still worried about approval and don't want to risk a difficult credit query, you can use tools likeCardMatch™to see if you qualify without affecting your credit score.
Which Capital One Travel credit card should you apply for?
Deciding whether you want a card for business or personal use will help narrow down your choices. Then decide if it's worth paying the annual fee based on the card's rewards and benefits. If you plan on spending enough on your card to earn your sign-up bonus, a Venture Rewards card for personal use or Spark Miles for business is probably best.
*Capital One Enjoy Cash Rewards and Capital One® Spark® Miles Select for Business credit card information independently collected by CreditCards.com. Card details have not been verified or approved by the issuer.
The editorial content on this page is based solely on the objective judgment of our authors and is not driven by advertising. It was not delivered or ordered by credit card issuers. However, we may receive compensation when you click on links to products from our partners.
Emily Shermanis a senior editor at CreditCards.com with a focus on news and product recommendations. She is also one of the founders of To Her Credit, a biweekly series of financial advice for women by women. When she's not writing about credit cards, she's using her own points and miles to plan her next big vacation.
Your travel plans just got easier. The Capital One Venture card lets you earn unlimited double miles per dollar on every purchase and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.Does Capital One Quicksilver earn miles? ›
With the Capital One Quicksilver, you would receive $15 worth of cash back for the $1,000 purchase. For even more value with the Capital One Venture Rewards, you can earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel.Do all Capital One cards have rewards? ›
All of the cards offer a straightforward earning structure, where nearly every purchase earns rewards at the same rate (travel bookings made through Capital One travel earn at an enhanced rate). There are no complicated category bonuses to keep straight and no caps on earning.What airlines does Capital One travel work with? ›
- Aeromexico (Club Premier)
- Air Canada (Aeroplan)
- Air France KLM (Flying Blue)
- Avianca Airlines (LifeMiles)
- British Airways (Avios)
- Cathay Pacific (Asia Miles)
- Emirates (Emirates Skywards)
- Etihad Airways (Etihad Guest)
The Capital One Spark Miles for Business enables applicants to earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening.What is the difference between Capital One Quicksilver and Quicksilver one? ›
Many credit cards offer a range of APRs based on creditworthiness. The Capital One Quicksilver Cash Rewards Credit Card offers a 19.74% - 29.74% (Variable). Because Capital One QuicksilverOne Cash Rewards Credit Card is offered to customers with fair credit, it comes with a higher 29.99% (Variable) APR.What is the difference between Capital One Platinum and Quicksilver? ›
The basic difference between the Capital One Platinum card and the QuicksilverOne card is that the no-annual-fee Capital One Platinum card does not earn rewards while the QuicksilverOne card earns 1.5% cash-back on every purchase.Is it worth upgrading to Capital One Quicksilver? ›
A card that earns 1.5% cash-back for everything is more your speed. That's why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You'll never waste your time with changing categories, and there's no limit to the cash-back you can earn.What is the highest credit limit for Capital One Quicksilver? ›
The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history. According to anecdotal reports, the card's credit limit can be as low as $750 and as high as $10,000.What is the difference between Capital One and Credit One credit cards? ›
Credit One is solely a credit card issuer that primarily focuses on cards for consumers with bad, poor, fair, or good credit scores. On the other hand, Capital One is a financial services company that offers credit cards, bank accounts, loans, and more.
The Capital One Platinum credit limit can be as high as $3,000 according to online cardholder reports, but it will depend entirely on the specifics of each applicant's credit and their overall financial situation. Most cardholders get credit limits of at least $300, though.Does my Capital One Platinum card have rewards? ›
It doesn't offer rewards or perks or even a low interest rate. What makes it such a popular card is who can get it. It's specifically marketed to people with average credit. Here are the benefits of the Capital One Platinum Credit Card.What type of card is Capital One Platinum? ›
The Capital One Platinum is a no-frills starter credit card designed primarily for those with either limited credit history or seeking a credit builder card. Most of the time, cards aimed at this segment carry annual fees, opening fees and/or may require an upfront security deposit.What type of card is Capital One Quicksilver? ›
What type of card is Capital One Quicksilver? Capital One Quicksilver is a cash back credit card operating on the Mastercard network. Capital One Quicksilver offers a flat rewards rate of 1.5% cash back on every purchase, a $0 annual fee, and a one-time initial bonus of $200 for spending $500 in the first 3 months.Can I use my Capital One miles on American Airlines? ›
No, you can't transfer Capital One miles to American Airlines, but you can transfer your miles to British Airways, Cathay Pacific, Etihad, Finnair, or Qantas and use those miles to book American Airlines flights.What are Capital One travel miles? ›
Capital One miles — also known as Capital One Rewards or Capital One Travel Rewards — is the rewards program for several Capital One credit cards. With this program, you'll earn miles on all qualifying purchases, which you can then redeem for travel or non-travel options.Can I book Delta flights with Capital One miles? ›
Can you use Capital One Venture miles on Delta? Yes, you can use Capital One Venture miles on Delta. The Capital One Venture allows you to book Delta flights with miles through Capital One, or you can redeem miles to pay for airfare previously charged to the card within 90 days from the purchase date.How much is 100000 Capital One miles in dollars? ›
100,000 Capital One miles are worth an average of $700, depending on how you redeem them. Capital One miles are worth the most when redeemed for travel, but you can also redeem for a statement credit, a check or gift cards, among other options.Do Capital One miles expire? ›
Do Capital One miles expire? Capital One miles never expire as long as your card remains open. If you close your account, you will lose any unused miles. There's no limit to the amount of miles you can earn on the card.What can 75k miles get you Capital One? ›
With 75k Capital One miles transferred to travel partners, you can book a one-way business class flight to Europe, up to 5 round-trip tickets to Hawaii in economy, and even 5 nights in a vacation rental property.
The Capital One Venture Rewards Credit Card is the winner over the Capital One Quicksilver Cash Rewards Credit Card. Capital One Venture is a better credit card than Capital One Quicksilver because it offers uniquely valuable travel rewards at a worthwhile price.Is it hard to get Capital One Quicksilver card? ›
It's fairly hard to get the Capital One Quicksilver Cash Rewards Credit Card because it requires good to excellent credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it may be difficult for you to get approved for the Capital One Quicksilver.Is Capital One Quicksilver a card for bad credit? ›
The Capital One Quicksilver Cash Rewards Credit Card is for good credit. You'll need good-to-excellent credit (a score of at least 690 on the FICO scale) to qualify for the Capital One Quicksilver Cash Rewards Credit Card.How many credit cards should you have? ›
If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.How often does Capital One increase credit limit? ›
The Capital One Platinum Credit Card will increase your credit limit no more than once every six months generally. This time frame applies whether you request a credit limit increase yourself or wait for Capital One to offer you an automatic increase.How do I upgrade my Capital One Platinum card to Quicksilver? ›
- Click “Upgrade Now” on the notice in your online account or email, followed by “Finalize Now.”
- Check the box stating you agree to the terms.
- Click “Upgrade Card” to complete the process.
The Capital One Quicksilver Cash Rewards for Good Credit will increase your credit limit no more than once every six months generally. This time frame applies whether you request a credit limit increase yourself or wait for Capital One to offer you an automatic increase.Does Capital One Quicksilver pay for TSA PreCheck? ›
Benefits of applying using a Capital One travel card
If you're a Capital One Venture, Venture X or Spark Miles cardholder, you can receive up to a $100 statement credit on your application fee for TSA PreCheck® or Global Entry.
Automatic credit limit increase to $500 after making your first 5 monthly payments on time is for card holders that are on the capital one credit steps program.How to get a $10,000 credit limit with Capital One? ›
You can get a Capital One Quicksilver credit limit of $10,000 if your credit score and overall creditworthiness are good enough. You will need at least good credit (a credit score of 700+). But the higher your credit score is, the better are your chances of getting a $10,000 credit limit.
Cardholders in good standing (e.g. good credit score, consistent on-time payments) may also receive an automatic credit limit increase once or twice a year. If requesting an increase from Capital One, approval can happen immediately or could take up to 30 days to process.Does Capital One Quicksilver do a hard or soft pull for credit limit increase? ›
While Capital One might choose to increase your credit limit because you've been a responsible cardholder, it also accepts requests for increases. Unlike several issuers who carry out hard credit pulls when cardholders request credit limit increases, Capital One makes its decision based on a soft pull.What are the negatives with a Capital One credit card? ›
Drawbacks and considerations
While you'll avoid certain fees with the Capital One Platinum Credit Card, you won't earn any rewards with it. Also, if you carry a balance on the card, it could get expensive: The ongoing APR is 29.99% Variable APR.
Start with one solid card that meets your immediate financial goals. Then, after demonstrating you can maintain good standing by paying bills on time and keeping a low balance, consider upgrading to a card with better rewards or applying for a second credit card that pairs well with your existing card.Is it OK to have 2 Capital One credit cards? ›
There is no predefined number of Capital One cards you can have at a time. More specifically, you can have as many Capital One credit cards as your credit standing would allow. Approval would be based on your credit history, your income and any potential debt you might have.What is the credit limit for 50000 salary? ›
What will be my credit limit for a salary of ₹50,000? Typically, your credit limit is 2 or 3 times of your current salary. So, if your salary is ₹50,000, you can expect your credit limit to be anywhere between ₹1 lakh and ₹1.5 lakh.What is considered a high credit limit? ›
A high credit limit is a limit of $5,000 or more. For high credit limits, you'll need good-to-excellent credit, high income and low existing debt, if any. If you have good credit, you should have high odds of getting approved for a credit limit around $5,000.How long does it take for Capital One Platinum to increase credit limit? ›
Credit limit increase
With the Platinum Mastercard, you'll automatically be considered for a higher credit limit in as little as six months. Unlike a Platinum Secured Credit Card, there is no security deposit. Capital One will review your account and notify you if you've been approved for additional credit.
The Capital One Platinum card is a starting point on the road to securing a more lucrative travel rewards credit card. It does not earn miles or points, but you also don't have to pay an annual fee.What is the best way to use Capital One Platinum card? ›
To get the most out of the Capital One Platinum card, you should only make purchases you can afford to pay off when your monthly bill is due. Paying your credit card bill on time and in full each month is the best way to improve your credit score and avoid paying high interest charges and late fees.
Earn miles on everything
With Venture, you'll earn unlimited double miles on every purchase before, during and after your vacation. Redeem to cover any past travel purchase—flights, vacation rentals, rental cars and more. Or use your rewards to book through Capital One Travel. It's that simple.
A: The Capital One Platinum Credit Card is designed for fair credit, so you may need a FICO credit score of at least 580 to qualify. But it's possible you'll be approved with a lower score.What is the difference between Capital One secured and platinum? ›
Capital One Platinum is an unsecured credit card, so you won't have to provide collateral. The Capital One Platinum Secured card, on the other hand, requires you to fund a security deposit in exchange for your credit line.Which Capital One card is metal? ›
Yes, Capital One offers three metal cards. The Capital One metal credit cards are the Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card and Capital One Savor Cash Rewards Credit Card, among others.Is Quicksilver better than Platinum? ›
FICO defines a good credit score as one between 670 and 779. If your credit score falls within these parameters, the Quicksilver card is better than the Capital One Platinum card because it earns 1.5% cash-back on every purchase, while the Capital One Platinum card does not earn rewards.What is the difference between platinum card and Quicksilver? ›
The Platinum has no annual fee, whereas the QuicksilverOne will cost you $39 per year. The QuicksilverOne offers rewards, though, which may help offset the cost of the annual fee, whereas the Platinum doesn't have a rewards program. Neither card offers a welcome bonus or a 0 percent introductory APR, either.What's the difference between the Capital One Quicksilver card and the Quicksilver One card? ›
The underlying difference between the two cards is the credit required for approval. The Capital One Quicksilver Cash Rewards Credit Card is aimed at consumers with “good” credit or better. By comparison, the Capital One QuicksilverOne Cash Rewards Credit Card is available to consumers with “fair” or limited credit.How much is 20000 miles worth Capital One? ›
Capital One miles are worth 1 cent each when redeemed for travel, 0.8 cents each when redeemed for gift cards and 0.5 cents each when redeemed for cash back. That means 20,000 Capital One miles are worth $200 in travel or $100 in cash back.How much is 100000 miles Capital One? ›
100,000 Capital One miles are worth an average of $700, depending on how you redeem them. Capital One miles are worth the most when redeemed for travel, but you can also redeem for a statement credit, a check or gift cards, among other options.How much is 75000 miles worth Capital One? ›
According to our valuations, 75,000 Capital One miles are worth $1,350. When you go to redeem those Capital One miles, you could get $750 in travel through the Capital One Travel portal, $750 at Amazon.com, $600 at PayPal, $375 to $750 in gift cards, or $375 in cash-back.
Earn 75,000 Bonus Miles With the Capital One Venture Card
Before we dig in, to unlock the 75,000 bonus miles, new cardholders will need to spend $4,000 on the card within the first 3 months of opening their account. By Upgraded Points' valuations, 75,000 bonus miles equate to a cash value of around $1,350.
60,000 Capital One miles are worth an average of $420, depending on how you redeem them. Capital One miles are worth the most when redeemed for travel, but you can also redeem for a statement credit, a check or gift cards, among other options.How many miles do I earn on Capital One Venture card? ›
How do Capital One Venture miles work? , you earn 2 miles per dollar spent on all purchases. You can redeem those miles (at a value of 1 cent apiece) for any travel purchase — flights on any airline, stays at any hotel, auto rentals from any agency, and so on.How many Capital One miles do I need for a ticket? ›
Tom Lipkis, WalletHub Credit Card Consultant
Editorial and user-generated content is not provided, reviewed or endorsed by any company. You need 100 Capital One miles for every dollar that a flight costs. Each mile is worth one cent when spent on travel.
Your rewards are yours for the life of the account—they will not expire. But if your account is closed, you will lose any rewards you have not redeemed. There is no cap to the amount of rewards you can earn on purchases.How does Capital One convert miles to cash? ›
Capital One miles are worth 1 cent each when redeemed for travel, 0.8 cents each when redeemed for gift cards and 0.5 cents each when redeemed for cash back. That means 20,000 Capital One miles are worth $200 in travel or $100 in cash back. Travel Purchases: 1 cent per mile.How many flights can you get with 75000 miles? ›
75,000 Delta miles get you $840, on average. You can use Delta miles for plane tickets to over 300 destinations across 50 countries, seat upgrades, and SkyMiles Marketplace purchases, among other things. Depending on the route, 75,000 Delta miles may very well cover the cost of one or multiple tickets.How do I get into Capital One Lounge? ›
How can I access Plaza Premium Lounges? Good news, there's no need to enroll! You can enter Plaza Premium Lounges by simply showing your eligible Venture X, Venture or Spark Miles card, as well as a same-day boarding pass and government-issued ID at reception.How much are Capital One miles worth on Amazon? ›
|Reward Program||Value of a Point (In Cents)|
|Capital One Cash Back||1 point = 1 cent|
|Capital One Miles||1 point = 0.8 cents|
|Chase Ultimate Rewards®||1 point = 0.8 cents|
|Citi ThankYou Points||1 point = 0.8 cents|
|Number of United Miles||Average Value|