How To Earn 100,000 Capital One Miles [In 90 Days]

Capital One miles are an excellent currency for consumers who enjoy traveling. And if you’re looking to earn a ton of miles in a short amount of time, Capital One may be a great issuer to lean into.

This valuable currency can be transferred to airline and hotel partners, making it one of the more sought-after programs to earn rewards with. We currently value Capital One miles at 1.8 cents per point. That means 100,000 miles are worth a solid $1,800. However, you can often redeem them for even more value.

So how do you earn 6 figures in credit card rewards as fast as possible? The best way is to apply for multiple credit cards with 1 issuer. However, each issuer has rules to abide by. But with a simple strategy, you can quickly earn and spend your way to a significant miles balance.

Why Would You Want To Earn 100,000 Capital One Miles?

Capital One miles are an excellent currency to earn for 2 core reasons: the ability to earn across multiple cards and the ample transfer partners available.

First, Capital One offers 4 personal credit cards and 3 business cards that earn Capital One miles:

• Capital One Venture X Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.
• Capital One Venture Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.
• Capital One VentureOne Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.
• Capital One VentureOne Rewards Credit Card for Good Credit*×Information collected independently. Not reviewed by Capital One.
• Capital One Venture X Business Card*×Information collected independently. Not reviewed by Capital One.
• Capital One Spark Miles for Business*×Information collected independently. Not reviewed by Capital One.
• Capital One Spark Miles Select for Business*×Information collected independently. Not reviewed by Capital One.

Each of these cards offers vastly different benefits, features, and spending categories, but all earn the same Capital One miles.

And these miles are quite valuable, as they can be redeemed in several ways. You can use them to:

1. Cover travel purchases within the last 90 days.
2. Transfer to any of the hotel or airline loyalty programs listed below.
3. Book travel within the Capital One Travel portal.
4. Redeem for gift cards.
5. Redeem your miles for cash-back.
6. Purchase merchandise from Amazon or through PayPal.
7. Redeem your miles for tickets and other in-person events.

The variety of redemptions helps make Capital One miles valuable, but the highest-value redemption is transferring your miles to one of the many travel partners.

Capital One Airline and Hotel Transfer Partners

The Rules To Know Before Applying for a Capital One Credit Card

Each bank has rules associated with their credit card products and how applicants are approved. Before you run to apply for any Capital One card, there are a couple of rules worth noting:

• Capital One gives each applicant 1 approval every 6 months.
• Each person is generally limited to 2 active personal cards.

Hot Tip:

Before you apply for any credit card, it can be helpful to quickly check your credit score. This can help you ensure that your score is in line with the score needed to get approved.

How To Earn 100,000 or More Capital One Miles

Capital One is a solid issuer for pushing toward the 6-figure mark in your miles balance. However, doing it in 90 days could be tricky, as you can only be approved for 1 card within that time span. But with enough spending, it can be done.

Here’s how you can quickly earn your way to 100,000 Capital One miles.

1. Get a Card With a Significant Welcome Bonus Offer

Capital One has both personal and business credit cards with valuable welcome bonus offers. Some of them require significant spending, which may be unobtainable for some.

Here are the current welcome offers available and the value we assign those miles if you can meet the threshold:

Unfortunately, you won’t be able to earn 100,000 miles in 3 months with 1 welcome bonus offer unless you grab the Capital One Venture X Business card and are able to meet the $30,000 threshold. This would put you far past the 100,000 mark.

But if you have longer than 90 days, you could easily grab 2 consumer cards and surpass 100,000 Capital One miles.

Recommended Capital One Miles Personal Credit Cards

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-840)

Why We Like This 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.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee (rates & fees)
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This 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.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Recommended Capital One Miles Business Credit Cards

Capital One Venture X Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Capital One Venture X Business Card

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Welcome Offer

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening

150,000 miles

UP's Bonus Valuation*:

$2,700

Annual Fee

$395

APR

All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.

Why We Like This Card

The information regarding the Capital One Venture X Business card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles per dollar on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Pros & Cons

Pros

• 10x miles per dollar on hotels and rental cars purchased through Capital One Travel
• 5x miles per dollar on flights and vacation rentals purchased through Capital One Travel
• 2x miles per dollar on all other purchases

Cons

• $395 annual fee (rates and fees)
• 10x and 5x bonus categories are limited to Capital One Travel bookings

Read Full Review

Card Highlights

• Earn unlimited 2X miles per dollar on every purchase, everywhere—with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles per dollar on hotels and rental cars and 5X miles per dollar on flights and vacation rentals booked through Capital One Travel, where you’ll get the best prices on thousands of options
• Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Skip the lines with up to a $120 statement credit on TSA PreCheck^® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
• This is a pay-in-full card, so your balance is due in full every month
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  

Financial Snapshot

• APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Capital One Spark Miles for Business

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every dollar you spend. (Information collected independently. Not reviewed by Capital One.)

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Bonus Valuation*:

$900

Annual Fee

$0 intro for the first year, $95 after that

APR

25.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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.

 

Pros & Cons

Pros

• Unlimited 2x miles per dollar spent on all purchases
• 5x miles per dollar spent on hotels, vacation rentals, and rental cars purchased through Capital One Travel
• 2 complimentary visits to a Capital One Lounge per year

Cons

• Annual fee: $0 intro for the first year, $95 after that

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Unlimited 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles per dollar from their purchases

Financial Snapshot

• APR: 25.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Capital One Spark Miles Select for Business

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

(Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles Select for Business

(Information collected independently. Not reviewed by Capital One.)

Welcome Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Bonus Valuation*:

$900

Annual Fee

$0

APR

18.49% - 24.49% Variable,

Why We Like This Card

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.

Card Highlights

• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
• Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
• Earn 5X miles on hotel and rental car bookings through Capital One Travel.
• Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
• We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.

Financial Snapshot

• APR: 18.49% - 24.49% Variable,
• Foreign Transaction Fees: 

Rewards Center

Capital One Miles

2. If You Have a Small Business, Grab a Business Card

Don’t think you’re not a business owner if you don’t have a large enterprise with employees. If you have a side hustle, even as simple as mowing your neighbor’s yard, freelancing, or doing any work as a 1099 contractor, you could be eligible for a business credit card.

To get started, apply for an employer identification number (EIN) with the IRS. It’s free and only takes a few minutes to be approved. And that’s it!

Using a business credit card is a great way to earn more miles and keep organized between your personal and business expenses.

3. Purchase Travel To Earn Sweet Multipliers

Using a Capital One card for your travel expenses could be a great way to multiply your miles balance quickly.

For example, the Capital One Venture X card earns up to 10 miles per $1 spent on hotels and rental cars booked through Capital One Travel. You also earn 5 miles per $1 on flights and vacation rentals purchased through Capital One Travel.

What’s more, many Capital One cards, including the Capital One Venture card, come with excellent travel insurance protection, ensuring that, if things go wrong on your trip, you have recourse to collect lost funds.

4. Use Capital One Cards for Everyday Expenses

Capital One is known for its broad spending categories and base rates. For example, the Capital One Venture X card and Capital One Venture card earn a minimum of 2x miles on all purchases.

This can seem small, but over time, it can add up to a significant amount of rewards. For example, if you spend $2,000 per month, you will net 48,000 miles over a year.

5. Transfer Rewards From Cash-Back Cards to Miles-Earning Cards

Cash-back earned from cards like the Capital One Spark Cash Plus Card*×Information collected independently. Not reviewed by Capital One., Capital One Quicksilver Cash Rewards Credit Card*×Information collected independently. Not reviewed by Capital One., and Capital One Savor Cash Rewards Credit Card*×Information collected independently. Not reviewed by Capital One. can be transferred to Capital One miles-earning cards at a rate of 1 cent to 1 mile. Transferring your rewards from cash-back to miles allows you to utilize Capital One’s transfer partners to maximize your rewards.

How To Use 100,000 Capital One Miles or More

Once you earn over 100,000 Capital One miles, it can seem overwhelming to decide what you should do with them. Much of this depends on how you prefer to travel. If you like to stretch your miles out as far as possible, you may consider keeping your miles with Capital One and simply booking through the Capital One Travel portal.

However, if you want to redeem your miles by transferring them to loyalty programs, here are a few ideas for inspiration.

Turkish Airlines Miles&Smiles for Cheap Flights to Hawaii

Turkish Airlines doesn’t fly to Hawaii, but its partner, United Airlines, does. From time to time, you can find one-way economy flights from the mainland for as low as 7,500 miles through Turkish Airlines. With 100,000 miles, that would be 6 round-trip economy flights.

Singapore Airlines Business Class to Europe

If you want to experience one of the nicest business class seats in the sky, you may want to save up your Capital One miles for a flight in Singapore Airlines business class.

You can transfer your miles directly from Capital One to Singapore Airlines KrisFlyer loyalty program at a 1:1 ratio. Prices will vary on your route, but you can expect to spend roughly 100,000 miles for a one-way ticket. For example, a flight from New York City (JFK) to Frankfurt, Germany (FRA) in business class will cost you 87,500 KrisFlyer miles.

South Beach for 3 Nights at MB Hotel, Trademark Collection by Wyndham

South Beach in Miami Beach, Florida, is a notoriously expensive destination, so using miles to save can be a great strategy. The MB Hotel, Trademark Collection by Wyndham, in South Beach costs 30,000 Wyndham Rewards points per night, which is a steal. Hotels in this area can go for hundreds of dollars per night. So, for 100,000 Capital One miles, you can get 3 nights at the hotel and be within walking distance from the sand of South Beach.

Final Thoughts

Capital One miles are worth considering along your rewards-earning journey. However, before you apply for any cards, look into the transfer partners to see if they fit what you’re looking for. Additionally, consider if you have any large expenses coming up to ensure you will earn the welcome bonus offered with the card you choose.

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For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.