2026.2 Replace: Efficient February 1, 2026, this card’s approved customers will lose complimentary airport lounge entry (each Precedence Go Choose and Capital One Lounges). Going ahead, every approved person should pay $125 to retain lounge entry. For our readers, a profit that requires paying further is actually no profit in any respect. Beforehand, the cardboard allowed as much as 4 approved customers without cost, and every approved person acquired full complimentary lounge entry. Additionally efficient February 1, 2026, complimentary airport lounge entry will likely be restricted to the cardholder solely (Precedence Go Choose and Capital One Lounges). Bringing friends will value $35–$45 per particular person, which, once more, successfully removes the visitor profit for our readers. Beforehand, cardholders may carry as much as 2 friends without cost, in step with the lounge advantages supplied by most playing cards.
2026.1 Replace: The100k supply is expired. The present supply is 75k.
2025.11 Replace: The brand new supply is 100k!
Be taught Extra
Advantages
- 75k supply: earn 75,000 Capital One miles after spending $4,000 in first 3 months. The current finest supply is 100k.
- Earn limitless 10x miles on accommodations and rental vehicles booked by Capital One Journey and 5x miles on flights booked by 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 Capital One Journey.
- Complimentary entry to the next lounge collections:
- Capital One Lounges. Complimentary entry is proscribed to the cardholder solely.
- Precedence Go Choose (PPS) lounges. Complimentary entry is proscribed to the cardholder solely.
- 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 software price.
- Cellular phone safety: rise up to $800 per declare and a pair of claims per 12 months in cellphone safety in opposition to lined theft or injury for telephones listed in your month-to-month cellphone invoice once you pay it together with your eligible bank card. Deductible $50.
- No international transaction price.
Disadvantages
- $395 annual price, NOT waived for the primary 12 months.
- [New] First 4 approved person playing cards free. However approved customers don’t have complementary entry to airport lounges. Every approved person should pay $125 to retain lounge entry.
- [New] Complimentary airport lounge entry will likely be restricted to the cardholder solely. No extra 2 friends free profit. Bringing friends will value $35–$45 per particular person.
- 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 may 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 Venture Rewards Credit Card, Capital One VentureOne Rewards Credit Card, Capital One Spark Miles for Business. Cashback incomes playing cards primarily embrace: 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 forth.
- You may transfer your C1 Miles from one Miles incomes card to a different Miles incomes card at any time, and it’s also possible to 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, 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 when you shut the account, however you may forestall dropping your C1 Miles by shifting the factors to a different C1 card beforehand.
- When you’ve got 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 forth. When you use C1 Miles on this manner, the worth is about 1.6 cents/level.
- You may redeem your C1 Miles in the direction of journey expense at a set ratio 1.0 cent/level. You may also redeem your C1 Miles in the direction of some retailers reward playing cards at a set raiot 1.0 cent/level.
- You may redeem your C1 Miles in the direction of assertion credit score at a set ratio 0.5 cents/level.
- In abstract, we estimate that C1 Miles are price about 1.6 cents/level.
Really helpful Software Time
- We advocate you apply for this card after you’ve a credit score historical past of a minimum of two years and you might be 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 X card previously 48 months.
- [1/6 rule] You may 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 when you violate this rule, however there will likely be no exhausting pull.
Abstract
The welcome supply is good. The spending rewards is just like Capital One Enterprise however barely improved.
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, however it must be simple sufficient to make use of. The 10k miles are price about $160. So principally this card pays for itself.
Capital One has improved its miles program over time considerably, these days the switch ratio is sort of all 1:1, so it’s robust sufficient to compete with UR/MR/TYP/Marriott factors system now.
Total, this card is an efficient card, so long as you will get authorized (which is tough) it’s a superb card to have.
