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2025.4 Replace: The brand new provide is 150k-350k. The spending requirement is crazily excessive, subsequently it’s only appropriate for individuals who have an enormous quantity of spending.
2024.3 Replace: The provide now could be $150k with $30k spending requirement.
2024.1 Replace: The brand new provide is 150k-300k. The spending requirement is crazily excessive, subsequently it’s only appropriate for individuals who have an enormous quantity of spending.
Study Extra
Advantages
- 350k provide: earn 150,000 Capital One miles after spending $30,000 in first 3 months. Earn extra 200,000 Capital One miles after spending $200,000 within the first 6 months. That’s 350k miles in complete. That is the most effective provide on this card.
- Earn limitless 10x miles on motels and rental automobiles booked by way of Capital One Journey and 5x miles on flights booked by way 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 beneath for a short introduction.
- Get 10,000 bonus miles yearly, beginning in your first anniversary. No spending required.
- $300 Annual Journey Credit score (membership yr): Obtain as much as $300 in assertion credit when reserving by way of Capital One Journey.
- Complimentary entry to the next lounge collections (for each major card holder and approved customers):
- Capital One Lounges, 2 complementary friends.
- Precedence Move Choose (PPS) lounges, 2 complementary friends. Licensed customers will get a separated PPS card.
- Plaza Premium lounges, 2 complementary friends.
- As much as $120 credit score for World Entry or TSA Precheck utility payment.
- No international transaction payment.
Disadvantages
- $395 annual payment, NOT waived for the primary yr.
- 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 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 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. 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 in the event you shut the account, however you’ll be able to stop shedding your C1 Miles by shifting the factors to a different C1 card beforehand.
- You probably have a Miles incomes card, C1 Miles could 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. If you happen to use C1 Miles on this means, the worth is about 1.6 cents/level.
- You’ll be able to redeem your C1 Miles in the direction of journey expense at a hard and fast ratio 1.0 cent/level. You too can redeem your C1 Miles in the 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 the direction of assertion credit score at a hard and fast 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’ve got a credit score historical past of not less than two years and you might be very comfy with the bank card sport.
- [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 computerized denial in the event you violate this rule, however there will likely be no laborious pull.
Abstract
This card is actually the identical as the non-public card Capital One Venture X besides that it’s a enterprise bank card. This card has $395 annual payment, however it comes with 10k miles and $300 journey portal credit score yearly, and so they can principally cowl the annual payment. Capital One has improved its miles program over time considerably, these days the switch ratio is nearly all 1:1, so it’s robust sufficient to compete with UR/MR/TYP/Marriott factors system now. Subsequently, its 2x miles incomes capacity may be very robust. Its welcome provide is beneficiant however its spending requirement is big. This card is appropriate for giant spenders.
