Edited by: Keri Stooksbury
& Kellie Jez
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Every purchase you make, every swipe you take, you’ll be earning miles with your Capital One credit card. No, that’s not a new advertising slogan — it’s more of a statement on the simplicity of earning miles with Capital One credit cards.
Simplicity translates into earnings with no requirements to register for quarterly bonus categories. You won’t have to memorize long lists of which purchases earn extra miles either. Simplified earning also provides a fast track to easily accumulating lots of Capital One miles.
When it comes time to redeem your Capital One miles, you’ll find several options, including travel statement credits or the potential for greater value when transferring miles to airline or hotel partners.
Whether you have personal spending you’d like to earn miles for, or you run a business with unrewarded business expenses, there’s a Capital One Miles credit card that can fit your spending profile.
In this article, we’ll highlight what Capital One miles are and why you’d want to earn them, which Capital One credit cards earn miles, and how to earn lots of miles with Capital One cards (and why you’d want to!).
Capital One uses the term “miles” only to correspond with the fact that you can use them for statement credits for previous travel purchases — and that you are able to use the miles toward travel purchases directly.
Although Capital One miles are not real airline miles, the most flexible and valuable redemption option of Capital One miles is that you can turn them into real miles! This is done by transferring Capital One miles to airline or hotel partners.
This option elevates the value of earning miles on Capital One credit cards and is a major consideration for jumping on the bandwagon.
Let’s sum up the value of Capital One miles:
Hot Tip: Capital One miles are valuable because you can use them like cash-back toward travel purchases or transfer them to airline or hotel partners for potentially more value!
As we mentioned at the start of this article, Capital One credit cards are known for their simple earning structures.
There are no fluctuating bonus categories, periodic registration requirements, or annual spending levels to meet — you simply make a purchase and earn miles. You’ll also earn miles on every purchase you make.
Let’s take a look at which Capital One credit cards earn the most miles.
Capital One personal credit cards earn miles on every purchase and have bonus spending categories to earn even more.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.
Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card, the no-annual-fee version of the more popular Capital One Venture Rewards Credit Card.
In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.
But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?
Welcome offers are the fastest way to accumulate Capital One miles.
Just complete the required spending in the first 90 days after you are approved for the card, and your welcome offer will be credited to your Capital One Miles account.
You’ll earn well when you purchase travel with certain personal Capital One credit cards.
Capital One defines travel quite generously; this category includes:
Here’s how these Capital One credit cards reward travel purchases:
|Capital One Venture X card||
|Capital One Venture card||
|Capital One VentureOne card||
Whether you need to fill up the car with gas, pay your heating bill, or pay your auto insurance, you can earn more Capital One miles by paying household expenses with your Capital One credit card.
Both the Capital One Venture X card and the Capital One Venture card earn 2 miles per dollar spent on every purchase, including those everyday household expenses.
The Capital One Venture X card and Capital One Venture card earn 2 miles per dollar spent at the supermarket, which may mean one of them becomes your everyday spending card!
Hot Tip: Use your Capital One Venture X card or Capital One Venture card to purchase no-fee gift cards at supermarkets to use for non-bonus category purchases, such as entertainment and gas. Note that not all stores allow purchasing gift cards with credit cards, but many do.
Getting back to simplified earnings, it’s a good reminder that Capital One business credit cards have no bonus spending categories.
You’re going to earn 1.5 to 2 miles per dollar spent, depending on the credit card.
Fortunately, there are a few ways to leverage those earnings and also score some upfront bonuses.
Every prudent business owner knows the importance of keeping personal and business purchases separate.
Business credit cards facilitate that objective, but they also allow you to earn miles on all of those business purchases.
The following business credit cards earn Capital One Miles:
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
(Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.
The fastest way to build a bank of Capital One miles is with a welcome offer.
After selecting the business credit card that best fits your spending profile, just complete the required initial spending in the first 90 days to receive a generous bonus of Capital One miles.
Beyond the initial welcome offer, Capital One may offer another spending tier for an additional bonus.
For example, an initial welcome offer may require you to spend $5,000 in the first 3 months after card approval to receive a 50,000-mile welcome offer.
But there may be an additional tiered spending bonus after that, too. For example, you might earn 150,000 miles if your business spends $50,000 in the first 6 months after card approval.
Both the Capital One Spark Miles card and Capital One Spark Miles Select card earn 5x miles on hotel and rental car bookings made through Capital One Travel.
However, you’ll also earn unlimited 2 miles per dollar spent on every purchase, including travel, with the Capital One Spark Miles card.
Whether you’re paying for business dinners, remodeling the office, or purchasing office supplies, you’ll earn 2 miles per dollar spent on every business purchase with the Capital One Spark Miles card.
Hot Tip: You would only need to spend $4,750 annually to offset the annual fee on the Capital One Spark Miles card, which provides a greater level of earning potential than the Capital One Spark Miles Select card.
Miles that you earn on your Capital One card never expire as long as you have a Capital One account open and in good standing. If you close your account, unused miles will be forfeited.
Capital One miles can be transferred to other Capital One accounts, and Capital One credit cards do not charge foreign transaction fees.
Occasionally, Capital One runs Refer a Friend promotions that reward you with statement credits for referring a friend who is subsequently approved for the credit card.
These promotions are usually targeted to specific cardholders who receive an invitation email with the terms of the referral program, but cardholders of the Capital One Venture X card, Capital One Venture card, or Capital One VentureOne card in good standing may qualify for the referral program.
To find your referral link, sign in to your account or look in the app for the Refer a Friend tile on the account details page.
There’s also no need to feel left out if you have bad credit or no credit — Capital One issues several credit cards for building or rebuilding credit. The issuer also offers the opportunity to find out if you’re pre-qualified or pre-approved for one of its credit cards.
While simplicity can be a positive thing, when it comes to earning Capital One miles, some added analysis is worthwhile.
There’s no doubt that Capital One cards offer decent (and sometimes lucrative) welcome bonuses that deliver great value. The ongoing value will depend on whether your spending matches their few sweet spots. For example, if you’re booking a lot of hotel rooms and don’t have a loyalty preference, earning 10 miles for each dollar spent is fantastic.
But Capital One miles basically have a fixed value, so if you’re only earning 2 miles per dollar spent on most of your purchases, you might do better on those purchases with a card that earns Membership Rewards or Ultimate Rewards points.
The American Express® Gold Card, for instance, earns 4 Membership Rewards points per dollar spent on dining — and Membership Rewards have the potential to deliver value far greater at 2.2 cents per point than Capital One’s value of 1.8 cent per mile (according to our valuations).
However, a big positive is that Capital One miles can be transferred to airline and hotel partners, which opens up new possibilities for receiving increased redemption value.
Look long and hard at Capital One options — but don’t fall in love unless it’s the perfect match of a generous sign-up bonus, ongoing earnings that match your spending, and redemption value that you can use.
The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here.
You earn Capital One miles on several Capital One credit cards by making purchases.
The miles are deposited into your Capital One account and are ready to redeem after your credit card statement closes.
You can transfer Capital One miles to airline partners and receive real miles that you can use to purchase an award ticket. The resulting value and transfer ratios vary.
You can also redeem the miles to redeem against travel purchases (including flight purchases) from the previous 90 days on your credit card statement. Each mile is worth 1 cent toward a travel statement credit.
In addition, you can redeem the miles toward travel purchases directly with Capital One.
Capital One miles are generally worth 1 cent each if you redeem them for travel or gift cards.
If you choose to redeem the miles for cash and have a check sent to you, you will receive as little as half a cent per mile (which is not good value).
You can also transfer miles to airline partners, where it is possible to exceed 1 cent per mile in value.
The best Capital One credit card for you will depend on your spending habits and whether you want to pay an annual fee.
This is because personal Capital One credit cards have bonus categories that offer higher miles for spending in those categories. For example, if you have high spending in the travel category, the Capital One Venture card or the Capital One Venture X card is the best for hotel purchases. All other spending earns between 1.5 to 2 miles per dollar, depending on the card.
You’ll also want to make sure that the redemption options on the card you choose deliver value for you or your business.
It’s easy to earn Capital One miles. You can earn Capital One miles by getting a welcome bonus on a Capital One Miles credit card, making normal purchases on your Capital One Miles credit card, booking travel through Capital One Travel using your Capital One Miles credit card, referring a friend to a Capital One Miles credit card, and even making business purchases!
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