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
• Capital One Venture Rewards Credit Card
• Capital One VentureOne Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.
• Capital One Venture X Business Card
• Capital One Venture Business Card*×Information collected independently. Not reviewed by Capital One.
• Capital One VentureOne Business Card*×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 or Capital One Business Travel portals.
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 Offer

Capital One has both personal and business credit cards with valuable welcome offers to earn. 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:

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

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 ins and outs 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 Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (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 card application.

Excellent

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
• 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
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• 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^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

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 ins and outs 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

Earn 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 Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.49% - 28.49% (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 card application.

Good to Excellent Credit

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
• Limited elite benefits

Read Full Review

Card Highlights

• Earn 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
• 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
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (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 ins and outs 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 Offer Valuation*:

Up to $2,700

Annual Fee

$395

APR

25.74% (Variable)

Why We Like This Card

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

Cons

• $395 annual fee
• 10x and 5x bonus categories are limited to Capital One Business Travel

Read Full Review

Card Highlights

• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
• With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
• 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
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
• Top rated mobile app

Financial Snapshot

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

Rewards Center

Capital One Miles

Capital One Venture Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Capital One Venture Business Card

Welcome Offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.

100,000 miles

UP's Offer Valuation*:

Up to $1,800

Annual Fee

$95

APR

24.49%

Why We Like This Card

The Capital One Venture Business card is a great fit for business owners looking for a well-rounded travel rewards card that offers an uncomplicated earn structure, a handful of useful benefits, and a reasonable annual fee.

Pros & Cons

Pros

• Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
• Earn 2x miles on all other purchases
• $50 annual travel credit for bookings through Capital One Business Travel

Cons

• Charges a $95 annual fee
• Limited travel protections

Read Full Review

Card Highlights

• Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 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
• Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck^® every four years. Terms and conditions apply
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business 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
• $95 annual fee
• Free employee cards which also earn unlimited 2X miles from their purchases
• Top rated mobile app

Financial Snapshot

• APR: 24.49%
• Foreign Transaction Fees: 

Capital One VentureOne Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Capital One VentureOne Business Card

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 Offer Valuation*:

Up to $900

Annual Fee

$0

Pros & Cons

Pros

• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee

Cons

• Doesn’t offer business bonus categories
• Not as rewarding as other business cards that earn 2x points or 2% back

Read Full Review

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.
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee
• Hertz Gold Plus Rewards Five Star status
• No foreign transaction fees
• Rental car insurance

Financial Snapshot

• Foreign Transaction Fees: $0

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 or Capital One Business Travel portals.

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 25,000 miles through Turkish Airlines. With 100,000 miles, that would be 2 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 a Saver award flight from New York City (JFK) to Frankfurt, Germany (FRA) in business class will cost you 89,000 KrisFlyer miles.

Hot Tip:

In addition to a fixed award chart, Singapore KrisFlyer offers dynamic Access Awards. These awards have greater availability, though the cost might be significantly higher too (25%-80% higher, according to reports).

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 offer with the card you choose.

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