2026.1 Replace: The brand new provide is 75k + $250 Capital One journey credit score.
2025.5 Replace: The 75k+$250 provide is expired. The present provide is just 75k.
2025.2 Replace: The brand new provide is 75k + $250 Capital One journey credit score.
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Advantages
- 75k+$250 provide: earn $250 to make use of on Capital One Journey in your first cardholder 12 months, plus earn 75,000 Capital One Miles if you spend $4,000 within the first 3 months. The current greatest provide is 100k.
- The general worth of Capital One Miles is 1.6 cent/level. See beneath for a short introduction. Subsequently the 100k highest provide is price about $1,600!
- Earn 5X miles on lodges, trip leases and rental automobiles booked by Capital One Journey; earn limitless 2X miles on each buy, on daily basis.
- As much as $120 credit score for International Entry or TSA Precheck utility charge.
- No international transaction charge.
Disadvantages
- $95 annual charge, NOT waived for the primary 12 months. (Earlier than 2017.10, the annual charge was $59)
- 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 embrace: 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 embrace: 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 too can transfer your cashback from a cashback incomes card to a Miles incomes card at any time. Nonetheless, you cannot 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 if you happen to shut the account, however you possibly can forestall shedding your C1 Miles by shifting the factors to a different C1 card beforehand.
- When you have a Miles incomes card, C1 Miles may 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. In the event you use C1 Miles on this manner, the worth is about 1.6 cents/level.
- You’ll be able to redeem your C1 Miles in direction of journey expense at a hard and fast ratio 1.0 cent/level. You can too redeem your C1 Miles in direction of some retailers reward playing cards at a hard and fast raiot 1.0 cent/level.
- You’ll be able to redeem your C1 Miles in direction of assertion credit score at a hard and fast ratio 0.5 cents/level.
- In abstract, we estimate that C1 Miles are price about 1.6 cents/level.
Really helpful Utility Time
- We advocate you apply for this card after you’ve gotten 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 you probably have obtained a brand new cardmember bonus for the Capital One Enterprise card or 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 if you happen to violate this rule, however there can be no onerous pull.
Abstract
In 2021, Capital One improved its Miles system lots, which makes this card extra useful. Now that C1 Miles are valued greater than 1 cent/level, its every little thing 2x incomes construction is enticing. The incomes construction on itself is much like Citi Double Money (DC) within the TYP system, and this card has an annual charge, however C1 Miles system has different good playing cards which have a great incomes fee to work collectively. Word that Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card utility, and it is rather tough to get permitted you probably have plenty of current onerous pulls. In the event you don’t need this card after one 12 months, you possibly can downgrade it to Capital One VentureOne.
Associated Credit score Playing cards
Really helpful Downgrade Choices
Historic Provides Chart
Word: Generally there are provides akin to 50k+50k on this card, however the spending necessities after the latter half are enormous. Subsequently, we don’t deal with them as sign-up bonus.
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