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

1. 100k provide: earn 100,000 Capital One miles after spending $10,000 in first 6 months.
2. Earn limitless 10x miles on resorts and rental vehicles 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.
3. The general worth of Capital One Miles is 1.6 cent/level. See beneath for a short introduction.
4. Get 10,000 bonus miles yearly, beginning in your first anniversary. No spending required.
5. $300 Annual Journey Credit score (membership 12 months): Obtain as much as $300 in assertion credit when reserving by way of Capital One Journey.
6. First 4 licensed consumer playing cards free.
7. Complimentary entry to the next lounge collections (for each major card holder and licensed 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.
8. Herz President’s Circle membership (for each major card holder and licensed customers).
9. As much as $120 credit score for World Entry or TSA Precheck software price.
10. Mobile phone safety: rise up to $800 per declare and a pair of claims per 12 months in cellular phone safety in opposition to lined 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.
11. No international transaction price.

Disadvantages

1. $395 annual price, NOT waived for the primary 12 months.
2. 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 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 possibly can 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. Nonetheless, you can’t 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 when you shut the account, however you may stop shedding your C1 Miles by shifting the factors to a different C1 card beforehand.
• When you 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. When you use C1 Miles on this means, the worth is about 1.6 cents/level.
• You possibly can redeem your C1 Miles in the direction of journey expense at a set ratio 1.0 cent/level. It’s also possible to redeem your C1 Miles in the direction of some retailers reward playing cards at a set raiot 1.0 cent/level.
• You possibly can 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 value about 1.6 cents/level.

Advisable Utility Time

1. We suggest you apply for this card after you will have a credit score historical past of at the least two years and you’re very comfy with the bank card sport.
2. [New] [48 month rule] You aren’t eligible for this product when you’ve got obtained a brand new cardmember bonus for the Capital One Enterprise X card previously 48 months.
3. [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’re going to get automated denial when you violate this rule, however there shall be no arduous 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 may get these advantages on the primary 4 licensed consumer playing cards totally free!

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 not so good as CSR or Citi Status, nevertheless it must be straightforward sufficient to make use of. The 10k miles are value about $160. So principally 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 may get permitted (which is difficult) it’s card to have.

Associated Credit score Playing cards

Advisable Downgrade Choices

Historic Provides Chart

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