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 simply 75k.
2025.2 Replace: The brand new provide is 75k + $250 Capital One journey credit score.
Be taught Extra
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 latest greatest provide is 100k.
- The general worth of Capital One Miles is 1.6 cent/level. See beneath for a quick introduction. Due to this fact the 100k highest provide is value about $1,600!
- Earn 5X miles on lodges, trip leases and rental vehicles booked by means of Capital One Journey; earn limitless 2X miles on each buy, on daily basis.
- As much as $120 credit score for World Entry or TSA Precheck software payment.
- No international transaction payment.
Disadvantages
- $95 annual payment, NOT waived for the primary 12 months. (Earlier than 2017.10, the annual payment was $59)
- Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card software!
Introduction to Capital One (C1) Miles
- You possibly can 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 Venture Rewards Credit Card, Capital One VentureOne Rewards Credit Card, Capital One Spark Miles for Business. Cashback incomes playing cards primarily embody: Capital One Savor Cash Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Capital One Spark Cash Plus and so on.
- You possibly can 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. Nevertheless, you cannot transfer your Miles from a Miles incomes card to a cashback incomes card, subsequently 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 should you shut the account, however you may stop dropping your C1 Miles by shifting the factors to a different C1 card beforehand.
- In case you have a Miles incomes card, C1 Miles might be transferred to some airline miles and lodge 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 lodge factors, and so on. In the event you use C1 Miles on this means, the worth is about 1.6 cents/level.
- You possibly can redeem your C1 Miles in direction of journey expense at a set ratio 1.0 cent/level. You can too redeem your C1 Miles in direction of some retailers present playing cards at a set raiot 1.0 cent/level.
- You possibly can 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.
Really useful Utility Time
- We advocate you apply for this card after you’ve gotten a credit score historical past of no less than two years and you’re very snug with the bank card sport.
- [New] [48 month rule] You aren’t eligible for this product in case you have acquired a brand new cardmember bonus for the Capital One Venture card or the Capital One Venture X card up to now 48 months.
- [1/6 rule] You possibly can solely apply for 1 Capital One bank card for each 6 months, together with each private and enterprise bank cards. You’ll get automated denial should you violate this rule, however there will likely be no exhausting pull.
Abstract
In 2021, Capital One improved its Miles system rather a lot, which makes this card extra invaluable. Now that C1 Miles are valued greater than 1 cent/level, its every thing 2x incomes construction is enticing. The incomes construction on itself is just like Citi Double Cash (DC) within the TYP system, and this card has an annual payment, however C1 Miles system has different good playing cards which have a very good incomes price to work collectively. Be aware that Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card software, and it is vitally tough to get permitted in case you have numerous latest exhausting pulls. In the event you don’t need this card after one 12 months, you may downgrade it to Capital One VentureOne.
Associated Credit score Playing cards
Really useful Downgrade Choices
Historic Provides Chart
Be aware: Typically there are gives similar to 50k+50k on this card, however the spending necessities after the latter half are enormous. Due to this fact, we don’t deal with them as sign-up bonus.
