2025.10 Replace: The brand new provide is 40k+$100. That is one of the best ever provide on this card. HT: DDG.

2025.8 Replace: The brand new provide is 20k+$100.

2023.5 Replace: The 40k provide is not accessible. The present provide is 20k.

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Advantages

1. 40k+$100 provide: earn 40,000 Capital One Miles after spending $1,000 in first 3 months. Plus, take pleasure in a $100 credit score to make use of in the direction of flights, stays and rental automobiles booked by means of Capital One Journey throughout your first cardholder 12 months. That is one of the best provide on this card.
2. Earn 5X miles on resorts, trip leases and rental automobiles booked by means of Capital One Journey; earn limitless 1.25X miles on each buy, daily.
3. The general worth of Capital One Miles is 1.6 cent/level. See under for a short introduction.
4. No overseas transaction payment.
5. No annual payment.

Disadvantages

1. 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 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 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 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. Nonetheless, 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 possibly can stop dropping your C1 Miles by transferring the factors to a different C1 card beforehand.
• When you have 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. In the event you use C1 Miles on this means, 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. 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 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 useful Utility Time

1. We suggest you apply for this card after you will have a credit score historical past of no less than two years and you’re very comfy with the bank card recreation.
2. [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’re going to get automated denial if you happen to violate this rule, however there might be no laborious pull.

Abstract

The welcome provide is fairly good for a no annual payment card. If you wish to earn lots of Capital One Miles, perhaps Capital One Enterprise of Enterprise X is extra appropriate. However what’s good about this card is it has no annual payment, so it’s a superb downgrade possibility. You have to be cautious that Capital One will pull all three main credit score bureaus (Experian, TransUnion, Equifax) for one bank card utility (see Traits of Main Banks for extra particulars).

Associated Credit score Playing cards

Historic Provides Chart

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