2024.1 Replace: The brand new provide is 150k-300k. The spending requirement is crazily excessive, due to this fact it’s only appropriate for individuals who have an enormous quantity of spending.

2023.9 Replace: This card is now obtainable on-line (beforehand solely obtainable through enterprise relationship supervisor). The welcome provide is 150k.

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Advantages

1. 300k provide: earn 150,000 Capital One miles after spending $20,000 in first 3 months. Earn further 150,000 Capital One miles after spending $100,000 within the first 6 months. That’s 300k miles in complete. That is the most effective provide on this card.
2. Earn limitless 10x miles on inns and rental vehicles booked by means of Capital One Journey and 5x miles on flights booked by means 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 under 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 means of Capital One Journey.
6. Complimentary entry to the next lounge collections (for each main 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.
7. As much as $100 credit score for International Entry or TSA Precheck utility price.
8. No overseas 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 utility!

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 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 many others.
• You possibly can transfer your C1 Miles from one Miles incomes card to a different Miles incomes card at any time, and you can even 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 if you happen to shut the account, however you’ll be able to stop dropping your C1 Miles by transferring the factors to a different C1 card beforehand.
• When you have a Miles incomes card, C1 Miles might 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 many others. For those who use C1 Miles on this approach, 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 reward 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.

Advisable Utility Time

1. We suggest you apply for this card after you will have a credit score historical past of a minimum of two years and you might be very comfy with the bank card recreation.
2. [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 computerized denial if you happen to violate this rule, however there shall be no exhausting pull.

Abstract

This card is actually the identical as the private card Capital One Enterprise X besides that it’s a enterprise bank card. This card has $395 annual price, but it surely comes with 10k miles and $300 journey portal credit score yearly, and so they can principally cowl the annual price. Capital One has improved its miles program through the years 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. Due to this fact, its 2x miles incomes potential may be very robust. Its welcome provide is beneficiant however its spending requirement is big. This card is appropriate for giant spenders.

Associated Credit score Playing cards

Historic Provides Chart

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