The program uses a fixed-value redemption scheme, where you can redeem 2,000 points for a 40-euro discount on your hotel stay (about $42). Capital One Spark Miles for Business, annual fee of$0 intro for the first year, then $95. However, these types of redemptions are only worth 0.5 cents per point, making them a poor value. Redemptions can be made easily through your online Capital One account or through the mobile app. How to maximize your Capital One Venture Rewards Credit Card, Credit score needed for the Capital One Quicksilver Cash Rewards card. It's that simple. Becky Pokora is an avid traveler with a particular love for the outdoors. 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. So whatever's easiest for you, just click and redeem. Rewards:2 miles per dollar spent on all purchases. Capital One rewards can be transferred to more than a dozen airline and hotel partners. Rewards can be a reliable and convenient way to save money by lowering your account balance, covering travel expenses or earning discounts with specific vendors. What airlines & hotels can you transfer Capital One miles to? Spark Cash Plus. Editorial Note: We earn a commission from partner links on Forbes Advisor. You also have the option to transfer your miles to over 15 travel partners, with a 1:1, 2:1.5 or 2:1 transfer rate depending on the partner. Just because you transfer miles to an airline loyalty program doesnt mean you actually have to fly with that airline: As you can see, Capital One miles give you access to all of the big three alliances, and then there are many more airline partners on top of that. What sets it apart is that it offers cash back rather than travel miles. But like all Capital One cards, the Capital One Spark Miles for Business doesn't charge this fee. Cardholders can choose between transferring to more than fifteen partner loyalty programs or redeeming miles toward travel at a fixed rate to avoid blackout dates and other limitations. Editorial Disclosure: The editorial content on this page is not provided by any entity mentioned herein. card is much less complex. Is the Capital One Venture Rewards card worth it? The Capital One Spark Classic for Business, which . 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. 1.5% cash back on all purchases; 5% cash back on hotels and rental cars booked through Capital One Travel. The Capital One Spark 2% Cash Plus didn't make our list because it offers few benefits when compared to other cards with a similar or smaller annual fee ($150). One thing that makes Capital One miles unique is how quickly these rewards post. What I don't like is the CapitalOne Travel website. Redeem Capital One miles with statement credits, Convert Capital One miles into airline miles & hotel points. Occasional transfer bonuses improve these ratios. 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. Want to keep your balance low or offset expenses? Whether you travel frequently or have miscellaneous expenses, how you spend and redeem rewards may influence the program you choose. These are the best publicly available offers (terms apply) that we have found for each product or service. Full list of Capital One Miles transfer partners. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. From there, you can select the amount you'd like to redeem and how you'd like to do it. Want to make your money stretch even further? For specific advice about your unique circumstances, consider talking with a qualified professional. 2 miles per dollar spent on all purchases. You can redeem miles for gift cards, cash back and more, but usually at a lower value per point, and we don't recommend it. The introductory offer can potentially take a chunk out of your travel budget if you spend enough to earn it. Privacy Policy. However, when you redeem rewards on Amazon, one mile is worth $0.008, whereas . Chris Licata is a Technical Lead @ Capital One. To redeem rewards, accounts must be in good standing, which means that they cannot be suspended, restricted, delinquent, or otherwise in default. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This allows you to fully customize your trip and work around inventory restrictions that come with traditional awards. If you transfer all Capital One miles to Avianca, it could be worth $850. They'll receive their own cards but aren't responsible for making payments. 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. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. The reason this redemption option is so popular is that there are no hoops to jump through you dont have to worry about airline or hotel blackout dates when redeeming points, and you dont even have to book through a specific portal. The reality is that these currencies are basically the same Venture is the name of Capital Ones mileage currency on personal credit cards, while Spark is the name of Capital Ones mileage currency on business credit cards. For example, it could make sense to pick up the following cards to earn Capital One miles: If you ask me, the Capital One Venture X and Capital One SavorOne are a pretty unbeatable card duo, as you can earn 3x Venture miles on dining, groceries stores, and more, while you can earn a minimum of 2x Venture miles on all purchases. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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. 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. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Unlike some other travel rewards cards with a tiered points system, the Capital One Spark Miles for Business card is much less complex. When evaluating offers, please review the financial institutions Terms and Conditions. This way you can get 2:1.5/2:1 transfer ratio for your miles. Most other programs dont offer that simplicity. The aforementioned, To learn more about business credit card options, see NerdWallet's list of the, If youre a small-business owner looking for a flexible and straightforward travel rewards card, the. Capital One also has a list of more than 15 travel partners to which cardholders can transfer their miles. There are no complicated category bonuses to keep straight and no caps on earning. 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. You have successfully joined our subscriber list. How Much Are Capital One Miles Worth Now? Capital One Spark Miles Select for Business,annual fee of$0. Since Capital One Rewards are flexible points, cardholders have multiple types of redemptions to choose from. 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. You can read about Capital One mileage transfer times in this post. Those business categories include shipping; internet, cable and telephone services; and advertising purchases with social media sites and search engines. You can also redeem miles at the same rate through the Capital One Travel portal, though most will probably prefer the flexibility of just being able to book direct with their preferred travel provider. $48,000 x 2% back - $150 =. New cardholders can also earn 50,000 miles as a welcome. Essential reads, delivered straight to your inbox. How long do Capital One mileage transfers take? Another option is to use them for qualifying travel-related purchases, from flights and hotels to ride-sharing services. Why? And if you use the card for working capital, it can really supercharge your earning. . To view rates. There is no cap to the amount of rewards you can earn on purchases. You can optionally convert them to partnering frequent flyer miles, book travel through the Capital One travel center, redeem as cash back or gift cards or select other redemption choices. Advertiser Disclosure: Some links to credit cards and other products on this website will earn an affiliate commission. You might be using an unsupported or outdated browser. are split into two categories: cash back and travel. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. However, we may receive compensation when you click on links to products from our partners. Many people think that these kinds of flights are out of reach, but with airline miles they are more reasonable than you might expect! If youre looking to finance business purchases upfront, youll also want to turn to another card. Capital Ones mileage currency has become increasingly useful in recent years, especially with the popularity of the Capital One Venture X Card. Attempts to buy airline tickets, hotels, or car rentals are often either impossible or substantially overpriced compared to anywhere else. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Many credit cards tack on a fee of 3% on every overseas purchase. Generally these airlines dont have robust loyalty programs, and theres no way to efficiently transfer miles to those programs. The best Capital One cash back credit card is the Capital One Savor Cash Rewards Credit Card because it offers an initial bonus of $300 for spending $3,000 in the first 3 months. Look out for Capital One mileage transfer bonuses. As is common for flat rate cash back cards, the Spark Cash Plus doesn't offer any luxury perks.Still, the card comes with a few valuable benefits, including no preset . With Capital One your rewards never expire. Capital One miles are incredibly flexible, and can be redeemed either toward the cost of a travel purchase (for a statement credit or through the Capital One Travel portal), or they can be transferred to partner airline and hotel loyalty programs. Furthermore, those who are into earning elite status with airlines and hotels might appreciate the value of redeeming for statement credits. Assigning Editor | Credit cards, credit scores. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. 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. The best ways to earn and use Capital One miles. To help understand how these values stack up, consider what you can get out of a Capital One intro offer. $720. Redemption options can be equally easy if you choose to redeem for travel at a flat rate, with the possibility of outsized value for cardholders willing to learn the ins and outs of travel partners. Capital One miles transfer at a 1:1 ratio to Air France-KLM Flying Blue, and Ive redeemed 55,000 Flying Blue miles for a one-way Air France business class ticket from Paris to Miami. 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. Editorial Disclosure: some links to products from our partners redemptions are only worth 0.5 cents point. Credits, Convert Capital One Venture rewards Credit card, Credit score needed for the first year then. 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