Note: Capital One is a Frequent Miler advertiser, but we always show the best public offer even when we don't earn a commission. Please see our Advertiser Disclosure.
| Card Details and Application Link |
|---|
Capital One Venture X Rewards Credit Card  ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months. $395 Annual Fee Click here to learn how to apply This is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership (lounges only) after enrollment ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
Capital One Venture X Application Tips
Capital One Application Tips
Call (800) 903-9177 to check your application status |
Should you apply?
This is a decent travel rewards credit card with good “everywhere” rewards since it earns 2 Capital One miles per dollar for all spend. Miles are worth 1 cent each when redeemed for travel or they can be transferred to airline and hotel partners.
To redeem miles against paid travel, simply use the card to pay for any travel expenses, and then log onto your account and apply miles to offset your statement charges.
You can get even more value by transferring Capital One Miles to airline miles since award tickets often yield better value than 1c per mile. The ability to earn the equivalent of 2 airline miles per dollar spent everywhere is excellent.
It is worth noting that Capital One is known to pull from all three credit bureaus for new applications, resulting in hard inquiries on all of them. Anecdotally, some have reported being approved with a single report frozen.
Are you eligible?
Capital One allows at most 2 Capital One consumer cards and you must wait six months before applying for another card.
Existing or previous cardholders are not eligible if they have received a new cardmember bonus for a Venture X card within the last 48 months.
However, beyond those rules, Capital One also tends to be less likely to approve those who have opened many credit cards with other issuers. There is no known rule as to how many is too many, but those who regularly open rewards credit cards are likely to have difficulty being approved.
How to apply
You can find the current best welcome bonus offer and application link at the top of this page: Capital One® Venture X Rewards Credit Card.
Application status
After you apply, call (800) 903-9177 or (877) 277-5901 to check your application status.
Reconsideration
If your application is denied, we recommend calling for reconsideration (800) 625-7866. It’s surprising how often denials can be changed to approvals just by asking, though note that Capital One is unlikely to approve those with many open credit cards.
Capital One Venture X Credit Card Perks
Capital One “Miles”
Capital One calls its rewards currency “miles”, though really it is like other transferable currencies in that it offers the ability to redeem towards travel or to transfer to airline miles as follows:
- Redeem Points $0.01 each toward travel: Points are worth 1 cent each toward travel and can be used to reimburse a broad range of travel purchases (including flights, lodging, ride shares, cruises, and more) within 90 days of purchase.
- Transfer Points to Partners: Points can be transferred to a number of airline and hotel loyalty programs. It’s possible to get much better than 1 cent per “mile” value via high value airline or hotel awards. See Capital One Transfer Partners for details.
Anniversary Bonus
- Receive 10,000 bonus miles each year starting at first cardholder anniversary.
Travel Benefits
- Annual $300 Travel Credit: Venture X cardholders get a $300 credit towards travel booked through Capital One Travel.
- Premier Collection Access: Capital One’s “premium hotel collection. When booking through Capital One, get $100 experience credit, daily breakfast for two and other premium benefits (see terms and properties here).
- Global Entry/Pre Check Credit: Receive up to $100 credit for Global Entry or TSA PreCheck® when you use your Venture X card. Get one statement credit every four years.
Lounge Access
- Priority Pass: Complimentary Priority Pass membership (Lounges only) with up to two guests.
- Capital One Lounges: Cardholders and authorized users get complimentary access to a Capital One Lounges, including the cardholder and up to two guests.
Travel Protections (apply to authorized users)
- Auto Rental Coverage: The Venture X offers primary auto rental CDW (collision damage waiver), which means that it acts as the first insurance policy before your personal car insurance. Here’s the description directly from Capital One: “Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.”
- Trip Delay Insurance: If you pay for at least a portion of your airfare with a Venture X Card, can get up to $500 if your travel is delayed by six or more hours or forces you into an overnight stay. Cardholder, spouse, and dependent children under 22 years old are covered.
Cell Phone Insurance (applies to authorized users)
- If you pay your cell phone bill with your Capital One Venture X card, you’re insured if your cell phone is stolen or damaged.
- You must have paid with your card in the billing cycle before the month the incident occurs.
- Cell phone coverage applies to all lines listed on the account.
- There is a $50 deductible per claim.
- Maximum of two claims per year.
Purchase Protection (applies to authorized users)
- Extended Warranty: “Doubles the time period of the original manufacturer’s written U.S. repair warranty up to one (1) additional year on eligible warranties of three (3) years or less for items purchased entirely with your eligible Visa Signature card.”
Capital One® Venture X Credit Card Earn Points
Welcome Bonus
This card earns Capital One “miles”. Here’s the current welcome offer:
| Card Offer |
|---|
ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months. $395 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review |
Refer Friends
Capital One occasionally sends out targeted email offers to refer friends and receive a bonus for each referral.
Bonus Spend
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. |
Capital One® Venture® Rewards Credit Card offers 2X everywhere with no permanent bonus categories.
Capital One® Venture X Credit Card Redeem Points
Cash Back
Cash back is the poorest use of Capital One “miles”. This is because if you redeem for cash back, whether as a statement credit or via check, you’ll only receive half the value of travel redemptions: just 0.5 cents per “mile”. If you are looking for cash back rewards, there are much better options on the market.
Travel
Redeem points for paid travel: 1 cent per “mile”
Capital One "miles" can be redeemed for paid travel at a rate of 1 cent per "mile". Travel purchases can be reimbursed by redeeming miles within 90 days of purchase. Note that Capital One keeps a fairly broad definition of travel, with things like flights, hotels, Airbnb, ride shares, cruises, and more qualifying. There is no minimum redemption if you are covering the charge completely with your "miles". If you are redeeming for a partial credit toward a travel purchase, the minimum is 2,500 miles. Also keep in mind that Capital One allows you to combine miles earned on each of their miles-earning cards as well as transfer to other cardholders with eligible miles-earning cards.Some customers get “special hotel offers”
Capital One "miles" can be redeemed for gift cards for many popular merchants. Some cardholders with older Capital One miles-earning cards may additionally have the ability "Get Special Hotel Offers". If you happen to have a card with this option, you can redeem 64,250 Capital One "miles" for a $900 gift card with select hotel chains. See this post for more detail.
Transfer points
Capital One miles are transferable to a number of airline and hotel partners. Capital One plans to add more transfers partners on an ongoing basis.
Transfer to another Capital One miles-earning card
Capital One allows you to combine miles earned from all of your Capital One miles-earning credit cards. Additionally, Capital One allows transfers to any other cardholder who has a miles-earning Capital One card. This makes it very easy to combine miles to redeem for a valuable award.Transfer Partners
| Rewards Program | Capital One Transfer Ratio | Best Uses |
|---|---|---|
| Accor Live Limitless | 1000 to 500 | Use to pay hotel bill with value of 2 Euro cents per point. In some cases (such as hotel to airline transfer bonuses) it may make sense to convert Accor points to the following airline miles at a 1 to 1 ratio: Finnair, Iberia, Qantas, or Virgin Australia |
| Aer Lingus Avios | 1 to 1 via BA | Fuel surcharges are sometimes lower when booking with Aer Lingus rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| AeroMexico ClubPremier | 1 to 1 | AeroMexico is a SkyTeam partner. Club Premier points can be used to book flights on AeroMexico, SkyTeam alliance members (such as Delta or Korean Air), or on select partner airlines. Unfortunately many have reported that awards are extremely difficult to book through AeroMexico so we do not recommend transferring points to this program. If you want to fly AeroMexico, look to transfer points to another SkyTeam partner (such as Air France) and then book AeroMexico with that program. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | 1 to 1 | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| Avianca LifeMiles | 1 to 1 | Avianca LifeMiles can be decent for Star Alliance awards. They offer reasonable-ish prices and no fuel surcharges on awards. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details. |
| British Airways Avios | 1 to 1 | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can often be had in redeeming BA points for short distance flights outside the US. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Cathay Pacific Asia Miles | 1 to 1 | Cathay Pacific has a decent distance based award chart, but they don't allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of a premium cabin award by adding on a lower cabin segment. See this post for details. |
| Choice | 1 to 1 | Choice Privileges points seem to be randomly valuable within the US, but dependably valuable internationally in expensive locations such as Scandinavia and Japan. Points can sometimes offer great value when used towards participating Preferred Hotels of the World. |
| Emirates Skywards | 1 to 1 | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be extremely steep. One workaround is to book select routes such as JFK to Milan or Newark to Athens. See: How to find and book Emirates first class awards. |
| Etihad Guest | 1 to 1 | Etihad offers a distance based award chart for flying Etihad and another for its partners. Points may offer good value for expensive but short-distance flights. |
| EVA Air Infinity MileageLands | 1000 to 750 | If you want to fly one of the best business class products in the sky, the best way to snag EVA flights is with their own miles since they release more award space to their own members. One-way business class flights from the US to Taipei cost 75K to 80K miles. Fuel surcharges are very low on these routes. |
| Finnair Plus+ | 1 to 1 | Finnair points are now "Avios" and points can be moved to/from other Avios programs. Finnair uses zone based award charts rather than distance based. As a result, Finnair sometimes has better (and sometimes worse) pricing than other Avios programs. |
| Iberia Avios | 1 to 1 via BA | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| JetBlue | 1,000 to 600 | JetBlue points offer the most value when cheap ticket prices are available and when award taxes are high relative to the overall cost of the ticket (more details can be found here). The JetBlue Plus Card and the JetBlue Business Card offer a 10% rebate on awards, so you can get more value by holding one of these cards. |
| Qantas Frequent Flyer | 1 to 1 | Best use is probably for flights on El Al with no fuel surcharges. Also useful for short AA flights. Qantas offers distance based award charts similar to Cathay Pacific. Both are OneWorld Alliance members. I recommend comparing award prices across both programs before transferring to either. Qantas offers round the world business class awards for only 280,000 points (but with many restrictions) |
| Qatar Privilege Club Avios | 1 to 1 via BA | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | 1 to 1 | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| TAP Air Portugal | 1 to 1 | Surcharge-free Emirates redemptions. Increased availability on TAP flights between US and Europe. |
| Turkish Airlines Miles & Smiles | 1 to 1 | Miles & Smiles offers a number of awesome sweet-spot awards including 7.5K one-way anywhere within the US, even to Hawaii. Many awards cannot be booked online but can be booked via phone or email. See: Turkish Miles & Smiles Complete Guide and Turkish business class sweet spots from the US. |
| Virgin Atlantic Flying Club | 1 to 1 | Virgin Atlantic offers a few excellent sweet spot awards. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
| Wyndham | 1 to 1 | Wyndham often allows booking multi-room suites for the same price as a standard room. It's sometimes possible to get great value from points in that way. Bonus: award nights are not subject to resort fees. Additionally, you can book Vacasa vacation rentals starting at 15K points per bedroom per night. Wyndham Earner cards offer automatic 10% discount on award stays. |
Other ways to redeem points
Capital One "miles" can be redeemed to reimburse travel purchases or transferred to airline partners. Additionally, they can be redeemed for gift cards or travel booked through the Capital One travel portal. You'll usually get 1 cent per point value when redeeming for gift cards or travel booked through Capital One, but you'll only get half a cent per point in value when redeeming for cash back as a statement credit or via check.
You can also use points to pay some merchants directly (for example: Amazon.com). Don't do this. These options offer poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Capital One "miles" - causing you a headache in getting your points reinstated).
You can also use points to pay some merchants directly (for example: Amazon.com). Don't do this. These options offer poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Capital One "miles" - causing you a headache in getting your points reinstated).
Capital One® Venture X Credit Card Manage Points
Combine Points Across Cards
If you have multiple cards that earn Capital One "miles", you can freely combine those miles via your online account. This can be useful when you want to put together the miles for a valuable redemption in a single account.
Share Points Across Cardholders
Capital One allows cardholders to share points with any other customer who has a credit card that earns Capital One miles. There are no annual caps or limitations. To share points with another cardholder, you will need that person's credit card number. Simply call the number on the back of your card to initiate the transfer. Capital One miles transfer to other customers instantly.
How to Keep Points Alive
Thankfully, it is very easy to keep Capital One "miles" alive: simply keep the miles in an open Capital One miles-earning account and they will not expire. Note that if you close a Capital One miles-earning card, you will lose any miles associated with that card. You should either redeem your miles or move them to another card that will remain open as per the sharing section above before canceling.
Capital One® Venture® Rewards Credit Card Lifecycle
How to meet minimum spend requirements
Once you are approved for a Capital One card, you have three months to meet the required spend in order to get the welcome bonus. If your usual spend isn’t enough, check out this resource to find many more options for increasing credit card spend.
Keep, cancel, or product change?
Is this card worth keeping in the long run? If you are looking for a simple one-card solution that offers a reasonable return on everyday purchases, it might be. With a baseline redemption of 2 cents per dollar spent and the ability to also transfer to airline partners, this card offers just enough flexibility to make it worth considering as a lone card solution. However, keep in mind that there are long-term options on the market to earn 2% cash back with no annual fee and several cards that are even better in the first year. There are alternatively cards that offer bonus categories for more miles per dollar. The Venture card’s strength is in offering a combination that is less common in a single card.
For Capital One products listed on this page, some of the benefits may be provided by Visa(R) or Mastercard(R) and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Related Cards
Capital One Consumer Cards
| Card Offer and Details |
|---|
 ⓘ $192 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer One time bonus: $200 after $500 spend in 3 months from account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: While you can do better with a 2% cash back card that has no annual fee, the Quicksilver card often offers excellent discounts with popular services such as Spotify. Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One Travel ✦ 5% on Capital One Entertainment through 12/31/25 Base: 1.5% Other: 5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
 ⓘ $95 1st Yr Value EstimateClick to learn about first year value estimates $100 Cash Back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler One time bonus: $100 after $300 spend in 3 months from account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: You can do better with a 2% cash back card that has no annual fee. Earning rate: 1.5% everywhere Base: 1.5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
 ⓘ $190 1st Yr Value EstimateClick to learn about first year value estimates $200 Cash Back ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer One time bonus: $200 after $500 spend in 3 months from account opening. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Earning rate: 3% on dining, entertainment, select streaming services, and purchases at grocery stores (excluding superstores like Walmart® and Target®) ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel (terms apply) ✦ 1% everywhere else Base: 1% Dine: 3% Grocery: 3% Other: 3% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
 ⓘ $284 1st Yr Value EstimateClick to learn about first year value estimates 20K miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Decent welcome offer for a card with no annual fee, but other cards offer better rewards for ongoing spend. Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
 ⓘ $985 1st Yr Value EstimateClick to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75k miles after $4k spend within first 3 months + a one-time $250 Capital One Travel credit to use in your first cardholder year FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 2X miles everywhere ✦ 5X miles on hotels, vacations rentals and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Receive up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees |
ⓘ $950 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 75K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 75k miles after $4k spend within first 3 months. $395 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights and vacation rentals booked via Capital One travel. ✦ 2X miles everywhere else. Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership (lounges only) after enrollment ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
Capital One Business Cards
| Card Offer and Details |
|---|
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash" />) ⓘ $1335 1st Yr Value EstimateClick to learn about first year value estimates $1,500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer $1,500 after $15,000 spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 FM Mini Review: A good option for business owners who prefer simple cash back rewards. Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
 ⓘ $1520 1st Yr Value EstimateClick to learn about first year value estimates $2,000+ Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a $2K cash bonus when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.. (Rates & Fees)$150 Annual Fee Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months FM Mini Review: This may be a good option for business owners who prefer simple cash back rewards. Note that this is a pay-in-full card, so your balance is due in full every month. Earning rate: 2% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 2% Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Big spend bonus: Spend at least $150,000 annually and get $150 annual fee refunded. Noteworthy perks: No foreign transaction fees ✦ No preset spending limit |
![](http://cdn.nextinsure.com/imaging/opt/0a1a73c8-b137-4393-9ef9-2437b08b5b2b.png?w=300" alt="Capital One Spark Cash Select" />) ⓘ $428 1st Yr Value EstimateClick to learn about first year value estimates $500 Cash Back ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer One time bonus: $500 after $4,500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Recent better offer: Expired 9/9/24: $750 Cash Back after $6k spend in 3 months FM Mini Review: This is a good option for business owners looking for simple cash back rewards with no annual fee. If you spend $30,000 or more per year, though, you would be better off with the 2% Spark Cash Plus card. Earning rate: 1.5% everywhere ✦ 5% on hotels and rental cars booked via Capital One's travel booking site Base: 1.5% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
![](http://cdn.nextinsure.com/imaging/opt/e19aa472-38e5-4c90-9980-8ac54ecec6be.png?w=300" alt="Capital One Spark Miles for Business" />) ⓘ $716 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95 Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotels, vacations rentals and rental cars booked through Capital One's travel booking site Base: 2X (2.9%) Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees ✦ Up to $120 fee credit for TSA PreCheck® application fee or Global Entry application fee |
 ⓘ $683 1st Yr Value EstimateClick to learn about first year value estimates 50K Miles ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card. Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One's travel booking site Base: 1.5X (2.18%) Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees |
![](http://cdn.nextinsure.com/imaging/opt/069349bf-0ace-40a6-97df-330cb99c73df.png?w=300" alt="Capital One Venture X Business" />) ⓘ $1985 1st Yr Value Estimate$300 travel credit valued at $265 Click to learn about first year value estimates 150K Miles ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150k miles after $30k spend within first 3 months. $395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One's travel booking site ✦ 5x on flights and vacation rentals booked via Capital One's travel booking site. ✦ 2X everywhere else. Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One's travel booking site ✦ 10,000 bonus miles starting at first anniversary ✦ Up to $120 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge Access ✦ Priority Pass access (lounges only) after enrollment ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
I am thinking of getting the card and adding AU so they can access Priority Pass.
But is it possible if my AUs do not have an SSN?
Got denied pre-approval for the Venture X and called Capital One today for reconsideration. I already have two Capital One consumer cards and asked if this was the reason for the denial. The rep said that it likely was not, as Capital One allows up to 5 Capital One consumer cards, and that there is not a limit of two for either Capital One generally or the Venture X in particular. We went over this multiple times because there is so much secondhand internet information to the contrary, but she said it multiple times. She even read some policies out loud to me. So maybe something has changed!
I applied for the Venture card and Capital One denied me. This, despite the fact that I have over $200,000 in Capital One bank accounts and a Quicksilver card that I’ve had for 10 years. My FICO score is over 800 and I’ve never made a late payment in my life. The reason for the denial is that I have too many open credit cards (8). I called their reconsideration line and they said it would take 3 weeks for them to go over the details and give me a decision. I’m closing everything with them right now.
P.S. I used their pre-approval tool before putting through the actual application and they said that I was approved in advance.
The “are you eligible” section in the post says “Capital One allows at most 2 Capital One consumer cards and you must wait six months before applying for another card.” I was approved for a Venture card in June 2023. I was looking to apply for a Venture X now. Would I be right in assuming that this would be an automatic denial because it has not been 6 months yet since the Venure card approval?
Capital One’s application rules are fairly inconsistently applied, and we’ve seen DP’s of folks being approved for more than one consumer card, as well as getting more than one card within a six month period. However, I think it’s safe to say that you maximize your odds of approval by waiting at least six months.
The current link doesn’t work
Thanks, fixed.
Still not working
It was working, but that link died. I’ve fixed it again, but there seems to be a caching issue that might not be loading the update in your browser. Try a different browser or device and it should work.
Works now. Thanks
Just applied. 812 credit score. Denied. I think this is only the 2nd credit card I’ve ever been rejected for, and it was so long ago for the 1st that I can’t even remember what it was or when. 🙁 I can only guess that it’s the credit card applications from 2022. I’ve always avoided Capital One because of the triple hit to my credit reports. Guess I should have continued that.
Love the show Nick and Greg, just applied via your link. Keep up the great work!!!
I stumbled into a bit of a hack with the travel credit… So I booked a flight & immediately realized I needed to book on Amex plat due to long layover in SLC & only one lounge available.
I cancelled the flight I booked within 15 min, but the trigger to use the travel credit must be immediate because it showed up against the cancelled flight the following day.
After the flight was 100% refunded, the travel credit was also refunded, but I had a balance in my account from costco, and the travel credit wiped out the costco balance..
Seems like a glitch, but there is a round-about way of travel credit being used to offset a non-travel purchase..
Yeah, that kind of thing can work for lots of card travel credits. But regarding the Amex Plat, why did you need to book on the Amex Platinum? You don’t need to have booked your flight with that card to get lounge access.
Yeah – brain fart… I somehow conflated setting Delta as airline for incidental fees, and using that to get my wife into the sky lounge on this trip with actually booking the ticket.. Oh well, had already cleared bonus on venture X and still have a little to go on the plat, so I guess it worked out anyway.
I noticed in trying to use my $300 travel credit that hotel rates are about 20% higher than a direct reservation. You do get 10x in Cap One miles, but still, it’s a bit annoying as you lose any benefits from booking directly through a hotel.
They will price match: “ Flight, hotel, and rental car purchases made through Capital One Travel are eligible for price matches if you find a cheaper itinerary elsewhere and let us know within 24 hours of booking through Capital One Travel”
Does this work with autoslash too?
Can you book autoslash through portal? If not, I would think no. That’s the one caveat – they’ll price match, but have to be able to get to a booking in the portal to activate
Why does this have such a lower first year value estimate, compared to the regular venture, when right now they have the same welcome offer and same effective annual fee?
A question on the $200 vacation rental spend:
Are there limitations or can I just book an AirB&B or Vrbo and pay with the card?
Do I have to book through the Cap One travel portal?
Same question from me … anyone know the answer?
You can just book and pay with the card.
Thanks.
applied today using link from best deal site. So hopefully someone at FM got a bonus. New to Capital One.
yep, rejected. 800+ credit score. Maybe didn’t like that I have opened two cards already this year.
I applied when the card was first announced and was rejected. Figured I’d give it another try using your link since the offer is about to be pulled. Dinged again. Oh well, I have opened a lot of cards recently, Amex in particular.
Just applied and got rejected. Credit score 820-850. I am not sure for what reason. Is there a number to call for reconsideration?