Two visits per year to Capital One Lounges or Plaza Premium Lounges, 40,000 miles after spending $1,000 on purchases within 3 months from account opening, equal to $400 in travel, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on every other purchase, $0 intro for the first year; $95 after that, 50,000 bonus miles after spending $4,500 on purchases within the first 3 months of account opening, 2 miles per dollar on every purchase and 5 miles per dollar on hotels and rental cars booked through Capital One Travel. If you want to redeem your rewards for cash, Capital One will mail you a check. This versatility means youll always have an option that works for you. Our Capital One Spark 2X Miles review can show you how. You can redeem miles for any airline, hotel or vacation package purchase at a rate of a penny per mile, and there are no blackout dates or restrictions on when or how you travel. A great option for small-business operators who prize simplicity in a travel rewards program, or whose spending doesn't fit neatly into the bonus categories of other travel cards. Capital One recently made it possible to redeem Capital One Spark Miles for purchases on Amazon.com You'll receive a redemption value of 0.8 cent per mile using this option. While Capital One miles transfer to most airline partners at a 1:1 ratio, note that we sometimes see transfer bonuses, whereby they transfer at a better rate for a limited time. Its flat rewards rate double miles on everything makes it ideal for a business whose expenses are all over the map or don't easily fit into the typical bonus categories for business credit cards. $48,000 x 2% back - $150 =. Since the Travel Center isnt affiliated with specific airlines or hotels, youll have access to your choice of airlines and properties, including those that arent direct transfer partners. If you're searching for the right business credit card rewards for your company, check out Capital One Spark Business Cards. Unlike the points or miles in programs tied to a specific airline or hotel chain, these rewards allow you to book how you want, with no blackout dates or exclusions. Terms apply. We believe everyone should be able to make financial decisions with confidence. Sign-up bonus: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. And if you use the card for working capital, it can really supercharge your earning. To learn more about business credit card options, see NerdWallet's list of the best credit cards to have. Capital One offers business travel cards with access to exclusive booking sites, airport lounges and more. To use this feature, first book your hotel stay, flight or cruise with your Capital One rewards card. The card details on this page have not been reviewed or provided by the card issuer. Use your rewards to reduce your credit card balance or reinvest in your business. Paul Soucy has led the Credit Cards content team at NerdWallet since 2015. Thats primarily because of the ability to transfer Capital One miles to most airline partners at a 1:1 ratio, which is a great use of points, especially for international first and business-class redemptions. The $0-annual-fee American Express Blue Business Cash Card offers 2% cash back on eligible purchases on up to $50,000 in spending per year (1% back after that). Attempts to buy airline tickets, hotels, or car rentals are often either impossible or substantially overpriced compared to anywhere else. Similarly, you can link your Capital One card to PayPal to pay with rewards when checking out with other online retailers or service providers. If youre a cardmember who is used to that, the number of hoops you have to jump through to redeem airline miles might come as a surprise. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Rewards can be used to book travel, transferred to more than a dozen airline and hotel partners or redeemed for cash, gift cards and more. Capital One Spark Cash Select - 0% Intro APR for 12 Months. Full list of Capital One Miles transfer partners. NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. The benefit of converting Capital One miles into airline miles is that often the cost of a ticket when paying cash isnt correlated to the cost of a ticket when redeeming points. 1.5% cash back on all purchases; 5% cash back on hotels and rental cars booked through Capital One Travel. Cardholders can earn 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back . See the respective Guide to Benefits for details, as terms and exclusions apply. Keep your business running smoothly with Capital One Business Checking Products. Across all Capital One rewards cards, cardholders have no limits to the number of miles they can earn. Capital One Spark Miles Select for Business. However, we may receive compensation when you click on links to products from our partners. But you can also transfer miles to one of more than a dozen travel partners. Accuracy, independence and authority remain as key principles of our editorial guidelines. Just sign in to your account online or use the Capital One Mobile app. With the right credit card, a customer can get away with a single card in their wallet and still take advantage of strong earnings and a wide variety of redemption options, including some with no strings attached. If you are a Capital One rewards credit card customer, you can view and redeem your awards on your Redeem Rewards page. While the ability to convert Venture and Spark miles into airline and hotel points is exciting, there are still going to be plenty of circumstances under which you get a better deal using the statement credit redemption method. It also offers an intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR. Best of all, both cards have no foreign transaction fees. At an effective rewards rate of 2% for most purchases, this card will pay for its annual fee with $4,750 a year in purchases. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. If you do, there are a variety of ways to redeem your cash back and miles to help cover your everyday expenses.1. Capital One's Spark Cash Select for Business card doesn't require complicated category tracking and earns a flat 1.5% back on all purchases. The Capital One Shopping Privacy Policy can be found at capitaloneshopping.com/our-terms/privacy-policy. All Rights Reserved. 4PayPal Pay with Rewards is available to eligible Venture X, Venture, VentureOne, Quicksilver, QuicksilverOne, Savor, SavorOne, Spark Miles, Spark Miles Select, Spark Cash, Spark Cash Select, Spark Classic, and Journey Student account holders with accounts open and in good standing. Capital One Spark Cash Select - 0% Intro APR for 12 Months, annual fee of $0. The Capital One Spark Miles card offers a $100 credit for Global Entry or TSA PreCheck, plus two complimentary visits to Capital One airport lounges each year. The most straightforward way to redeem your Capital One miles is directly toward the cost of a travel purchase. Lets discuss that in a bit more detail. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Each card offers different benefits and earning rates so with that many choices, theres likely to be a card (or two) to fit your personal needs. My own paid ticket was $4,320. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. If you're able to spend $200,000 on the card during the calendar year ($16,667 per month), you'll receive the $200 bonus which will offset the fee and put extra money in your pocket. However, that value is subject to change. Capital One Spark Cash Select - $500 Cash Bonus. Since the events are limited access, using your points for these can offer outsized value. What I don't like is the CapitalOne Travel website. We love our Venture X and Venture Business cards. Learn more about FDIC insurance coverage. Enrollment required. For example, the Capital One Spark Miles Select card offers a 20,000 miles bonus when you spend $3,000 in the first 3 months. There is no cap to the amount of rewards you can earn on purchases. Products and services are offered by Capital One, N.A., Member FDIC. If you have Capital One miles and are looking to travel to Orlando for spring break on Frontier Airlines or Spirit Airlines, the statement credit feature might be the best option you can just buy your ticket as you usually would, and then have the cost reimbursed. Capital One Spark Miles for Business. Its flat rewards rate double miles on everything makes it ideal for a business whose expenses are all over the map or don't easily fit into the typical bonus categories for business credit cards. Annual $200 cash bonus: Earn a $200 cash bonus every year you spend . The mileage bonuses and earned miles allowed me to purchase an RT business class seat for my wife on Singapore Airlines from SFO to SIN (This was before Singapore's recent mileage devaluation). Learn more about FDIC insurance coverage. Content published under this author byline is generated using automation technology. How you redeem your rewards may affect their value. When you consider that some Capital One cards earn 2x miles on everyday purchases, to me these cards offer an incredible 3.4% return on everyday spending. Since Capital One Rewards are flexible points, cardholders have multiple types of redemptions to choose from. Capital Ones mileage currency has become increasingly useful in recent years, especially with the popularity of the Capital One Venture X Card. To do so, youll need to link your Capital One card to your Amazon.com account. Theyre yours for the life of your account. In general, I recommend earning transferable points currencies with your credit cards whenever possible, to give you the most flexibility if youre looking for travel rewards. The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Capital One Venture Rewards Credit Card 75,000 bonus miles Earn an unlimited 2X miles on all purchases that can be put towards any kind of travel including airfare, hotels, car rentals, and moreall at a low annual fee. Want to make your money stretch even further? These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. You just make a purchase with your card as you usually would, and then you can redeem for statement credits. Put $10,000 a month in inventory purchases on the card, for example, and you're looking at 240,000 miles at the end of the year good for $2,400 worth of travel. Spark Cash Select - $500 Bonus. Credit Score ranges are based on FICO credit scoring. But if you routinely spend more in specific categories, other cards can be more rewarding. If you still want to redeem your Capital One rewards for something other than travel, you can also choose to use your miles to purchase gift cards. The opportunity cost of 100,000 Capital One miles would be a $1,000 purchase with statement credits. Transfers to most partners are instant, though for some partners, it can take anywhere from a few hours to a few days. By. Year-end itemized report of spending and easy to download purchase record. Just sign in to your account online or use the Capital One Mobile app. This information does not represent any opinion, guidance or recommendation, whether formal or informal, of Capital One, National Association, or any of its officers, directors, employees, advisors, attorneys, consultants, affiliates or subsidiaries (collectively, Capital One). Similar to the Spark Miles card, the Spark Cash offers a flat 2 percent rate on every purchase. The Capital One Spark Classic for Business, which . Sign In to Redeem How rewards work Choose rewards that work for you Travel miles or cash back? NerdWallet's ratings are determined by our editorial team. See the online credit card applications for details about the terms and conditions of an offer. Capital One gives cardholders the option to redeem their miles for purchases made on Amazon.com. document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() ); When I purchase tickets through Capital One, how long do I have to redeem the value off my accrued mileage? Here are the five credit cards that directly earn Capital One miles, along with the mileage earning rates, and the annual fees: Theres another interesting angle for earning Capital One miles. In the interest of full disclosure, OMAAT earns a referral bonus for anyone thats approved through some of the below links. Most other programs dont offer that simplicity. Capital One has added more value to its Venture and Spark Miles credit cards, including new transfer partners and an improved transfer ratio. For business owners who travel frequently, the, The card also comes with useful perks, including a. What credit cards earn Capital One miles? Employees can usually be added to your business credit card account as authorized users or account managers for free. Learn the best ways to earn and redeem your Capital One miles to get the most out of the rewards program. You can use a combination of points and cash to pay for your tickets which is a plus but the rate of redemption is less than stellar at a 0.8 cents per point. You can then redeem against the purchase, getting the best of both worlds. Since Capital One Rewards are flexible points, cardholders have multiple types of redemptions to choose from. When you click on You can get cash advances up to your available cash limit. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. This allows you to make a travel-related purchase with your favorite travel provider (whether thats an airline, hotel, online travel agency, Uber, Airbnb, or other travel company), and then receive a statement credit from Capital One for that purchase at the rate of one cent per mile. Emily Sherman Using your miles for travel purchases still offers the best consistent value. You have two broad options . . The Capital One rewards program is well known for its ease of use, making cards such as the Capital One Venture Rewards Credit Card a favorite of frequent travelers. To help understand how these values stack up, consider what you can get out of a Capital One intro offer. Generally these airlines dont have robust loyalty programs, and theres no way to efficiently transfer miles to those programs. Across all Capital One rewards cards, cardholders have no limits to the number of miles they can earn. Amazon has offered discounts and other promotions in the past to incentivize shoppers to boost the value of your redemption. Rewards Earning Details. My own paid ticket was $4,320. Advertiser Disclosure: Some links to credit cards and other products on this website will earn an affiliate commission. We hope you found this helpful. The introductory offer can potentially take a chunk out of your travel budget if you spend enough to earn it. That way, you can go hunting for travel deals and still take advantage of your miles, as long as you redeem within 90 days of the purchase date. Transfer rates vary by partner, with most at a 1-to-1 ratio, meaning 1 Capital One mile is equivalent to 1 point or mile with the travel loyalty program. Rewards:2 miles per dollar spent on all purchases. Disclaimer: NerdWallet strives to keep its information accurate and up to date. You can also transfer miles to one of more than a dozen airline and hotel programs, but not always at a 1:1 ratio. Here are other things you should know: Your rewards are yours for the life of the accountthey will not expire. These points have the same redemption values toward travel, and can be combined if you have both personal and business cards. Capital One miles can be transferred to over a dozen airline programs. Sign-up bonus:Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening. Capital One also allows cardholders to redeem their rewards as cash back (in the form of a mailed check or an electronic statement credit), although only at 0.5 cents per point. Capital One miles can be redeemed to offset the cost of a travel purchase, or they can be transferred to Capital Ones airline and hotel partners, which provide outsized value if you know what youre doing. Just be sure to pay off your balance each month to avoid accruing interest. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Link your eligible rewards card to your PayPal account and apply your miles or cash back on eligible purchases when you check out at millions of places online, like Target, Apple and The Home Depot. It has not been provided or commissioned by the credit card issuers. Regardless of the reward type, there are other aspects to consider when creating a rewards and spending strategy. With this option, you can often get the full point value of 1 cent per mile. 1Redemption rates vary and are subject to change without notice. The right business credit card rewards program for your business usually depends on how much and where you spend money. Whats the best use of Capital One miles? Your feedback is important in helping us keep our community safe. It offers an intro 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR. Simply choose the amount of the charge you want to use miles for, and it will be awarded to your account as a statement credit. Capital One offers gift cards as another redemption option for your miles. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. 2023 Forbes Media LLC. (More on that below.). To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Employees receive free cards and earn rewards from their purchases; you can customize spending limits on employee cards and see all transactions. Among the three cash-back cards, Spark Cash is the most premium, followed by Spark Cash Select. Even the Ink Business Premier Credit Card is a good option if you want flat-rate cash back (up to 2.5% back) and are willing to pay a $195 annual fee. 2Account credits lower your account balance but do not count toward your minimum monthly payment obligation. Savings and available coupons vary. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Terms apply. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. Capital One offers both personal cards and business cards that earn transferable rewards. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. The Capital One Spark Cash Plus has a $150 annual fee. Points are worth a penny each when redeemed for cash, and 25% more when redeemed for travel through Chase Ultimate Rewards. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Sign-up bonus: 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. For example, in the United States we have ultra low cost carriers that have really lowered the cost of airfare in many markets. He lives in Des Moines, Iowa, with his fiance, his two sons and a dog named Sam. Capital One Shopping is a separate program from your credit card rewards and points do not combine. It also offers an intro, 0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.74%-25.74% Variable APR, Get more smart money moves straight to your inbox. Spark Cash Plus. There are no complicated category bonuses to keep straight and no caps on earning. Capital One Shopping Credits are subject to terms and conditions that are available at capitaloneshopping.com and are separate from any rewards you may be earning on a Capital One rewards credit card. A vast majority of these partners allow 1:1 transfers. Visit paypal.com/capitalone for additional details. And if you use the card for working capital, it can really supercharge your earning. And once youve earned them, you can decide what makes the most sense for your budget. He has decades of experience in digital and print media, including stints as a copy desk chief, a wire editor and a metro editor for the McClatchy newspaper chain. The Capital One Travel Center is an online travel agency (OTA), which works similarly to the interfaces youre already familiar with at sites like Expedia or Priceline. But if your account is closed, you will lose any rewards you have not redeemed. If youre looking to finance business purchases upfront, youll also want to turn to another card. The Capital One Venture X Rewards Credit Card ( review) earns 2x Venture miles per dollar spent; the card has a $395 annual fee, but offers all kinds of perks that help offset it, like a $300 annual travel credit, 10,000 anniversary bonus miles, a Priority Pass membership, Plaza Premium Lounge access, Capital One Lounge access, cell phone This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Commissions do not affect our editors' opinions or evaluations. Read how Antonellis Cheese Shop used their cash back rewards to pay for employee health insurance. Both of these options only get you 0.5 cents per mile half the standard value. Sign-up bonus:Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. MORE: Which Capital One Spark credit card is right for your small business? NerdWallet strives to keep its information accurate and up to date. If you spend above $19,000 a year, the rewards you'd earn at a 2X rate would top a 1.5X rate, even taking into account the annual fee on the Capital One Spark Miles for Business. The Capital One Spark Cash for Business features a few standard business management tools and a handful of travel protections. read full answer Among the two travel cards, Spark Miles offers higher rewards than Spark Miles Select, along with an annual fee after one year. Each Venture or Spark mile can be redeemed for one cent toward the cost of a travel purchase. Capital One VentureOne Rewards Credit Card, Capital One Venture X Rewards Credit Card, Capital One Spark Miles Select for Business, Sign up for Capital One rewards cards to earn intro bonuses, Keep an eye out for referral bonus offers, Use your Capital One rewards card for most of your purchases, Booking travel through the Capital One Travel Center, Transferring miles to a Capital One travel partner, Capital One Platinum Credit Card benefits guide, Credit score required for the Capital One SavorOne Cash Rewards card, See more You can take your cash back as a statement credit, which reduces your outstanding card balance, and many more options. Chase has excellent business credit when you want to earn travel rewards with the Ink Business cards. Use Capital One's travel portal to book travel. Ultimately this is a good option its an easy redemption with no learning curve, it gives you lots of flexibility, and given that many Capital One cards earn 2x miles per dollar spent, youre still earning a good return on your spending. 2% cash back on all purchases; 5% cash back on hotels and rental cars booked through Capital One Travel. Or you can choose to redeem only some of your rewards. That means youre losing value by transferring, in some cases. You can also redeem your Capital One points for live events, like sports, dining and music events, via the Capital One Entertainment platform, which is available through the Capital One mobile app or by going to entertainment.capitalone.com. It earns only 1.5 miles back on all purchases, but its annual fee is $0. is a freelance writer covering finance, tech, and other related topics. Since cash back is much more flexible than miles, you can always cash out your rewards and use . Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening. $720. Youll earn miles faster without increasing your monthly spending. $48,000 x 1.5% back =. Right business credit when you spend money points do not combine reduce your credit card applications for about... 200 cash bonus every year you spend in the United States we have ultra low cost carriers have. Apr for 12 Months, annual fee of $ 0 that means youre losing by. Where you spend enough to earn it One Venture X card to help cover your everyday expenses.1 we everyone!, check out Capital One miles to One of many different types of to. Travel website ; 5 % cash back is capital one spark rewards redemption more flexible than miles, you can to. Provided or commissioned by the card for working Capital, it can really supercharge your earning cash back much! 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