2025.11 Replace: The brand new provide is 100k!
2023.12 Replace: The 90k provide is expired. The present provide is 75k.
2023.9 Replace: There’s a particular hyperlink for 90k provide. HT: USCardForum tcelvis.
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Advantages
- 100k provide: earn 100,000 Capital One miles after spending $10,000 in first 6 months.
- Earn limitless 10x miles on resorts and rental vehicles booked by means of Capital One Journey and 5x miles on flights booked by means of Capital One Journey, plus limitless 2x miles on all different purchases.
- The general worth of Capital One Miles is 1.6 cent/level. See under for a short introduction.
- Get 10,000 bonus miles yearly, beginning in your first anniversary. No spending required.
- $300 Annual Journey Credit score (membership 12 months): Obtain as much as $300 in assertion credit when reserving by means of Capital One Journey.
- First 4 approved consumer playing cards free.
- Complimentary entry to the next lounge collections (for each main card holder and approved customers):
- Capital One Lounges, 2 complementary friends.
- Precedence Go Choose (PPS) lounges, 2 complementary friends. Licensed customers will get a separated PPS card.
- Plaza Premium lounges, 2 complementary friends.
- Herz President’s Circle membership (for each main card holder and approved customers).
- As much as $120 credit score for World Entry or TSA Precheck utility price.
- Cellphone safety: stand up to $800 per declare and a couple of claims per 12 months in cellular phone safety in opposition to coated theft or injury for telephones listed in your month-to-month cellular phone invoice once you pay it together with your eligible bank card. Deductible $50.
- No overseas transaction price.
Disadvantages
- $395 annual price, NOT waived for the primary 12 months.
- Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card utility!
Introduction to Capital One (C1) Miles
- You’ll be able to earn C1 Miles with two sorts of playing cards: Miles incomes playing cards, or cashback earninng playing cards. Miles incomes playing cards primarily embody: Capital One Enterprise Rewards Credit score Card, Capital One VentureOne Rewards Credit score Card, Capital One Spark Miles for Enterprise. Cashback incomes playing cards primarily embody: Capital One Savor Money Rewards Credit score Card, Capital One SavorOne Money Rewards Credit score Card, Capital One Quicksilver Money Rewards Credit score Card, Capital One Spark Money Plus and so on.
- You’ll be able to transfer your C1 Miles from one Miles incomes card to a different Miles incomes card at any time, and you may also transfer your cashback from a cashback incomes card to a Miles incomes card at any time. Nonetheless, you can’t transfer your Miles from a Miles incomes card to a cashback incomes card, due to this fact cashback is extra versatile than Miles in C1’s system.
- C1 Miles by no means expire. You’ll lose the C1 Miles on one card for those who shut the account, however you’ll be able to forestall dropping your C1 Miles by shifting the factors to a different C1 card beforehand.
- You probably have a Miles incomes card, C1 Miles will be transferred to some airline miles and resort factors. Some good 1:1 switch choices are: Air Canada (AC) (Star Alliance), Avianca (AV) (Star Alliance), Asia Miles (CX) (Oneworld), British Airways (BA), and Wyndham resort factors, and so on. For those who use C1 Miles on this means, the worth is about 1.6 cents/level.
- You’ll be able to redeem your C1 Miles in direction of journey expense at a set ratio 1.0 cent/level. You may also redeem your C1 Miles in direction of some retailers present playing cards at a set raiot 1.0 cent/level.
- You’ll be able to redeem your C1 Miles in direction of assertion credit score at a set ratio 0.5 cents/level.
- In abstract, we estimate that C1 Miles are value about 1.6 cents/level.
Beneficial Utility Time
- We suggest you apply for this card after you have got a credit score historical past of a minimum of two years and you’re very snug with the bank card recreation.
- [New] [48 month rule] You aren’t eligible for this product if in case you have obtained a brand new cardmember bonus for the Capital One Enterprise X card up to now 48 months.
- [1/6 rule] You’ll be able to solely apply for 1 Capital One bank card for each 6 months, together with each private and enterprise bank cards. You’re going to get automated denial for those who violate this rule, however there will likely be no onerous pull.
Abstract
The welcome provide is sweet. The spending rewards is much like Capital One Enterprise however barely improved.
The profit for holding this card is sweet, the PPS card and Hertz President Circle membership are helpful, particularly contemplating you will get these advantages on the primary 4 approved consumer playing cards without spending a dime!
The annual price is $395, however you get $300 journey credit score and 10k anniversary bonus miles. The $300 journey credit score requires to be booked through Capital One Portal, its flexibility is inferior to CSR or Citi Status, but it surely must be simple sufficient to make use of. The 10k miles are value about $160. So mainly this card pays for itself.
Capital One has improved its miles program through the years considerably, these days the switch ratio is nearly all 1:1, so it’s sturdy sufficient to compete with UR/MR/TYP/Marriott factors system now.
Total, this card is an efficient card, so long as you will get accepted (which is difficult) it’s a very good card to have.
Associated Credit score Playing cards
Beneficial Downgrade Choices
Historic Presents Chart
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