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All about booking with Capital One Travel

Planning the perfect getaway? Save yourself from seemingly endless online searches and choose a better way:  Capital One Travel . Capital One Travel is an online booking platform that covers every step of your trip and is designed to help you plan, book and travel with confidence. 

This guide breaks down exactly how it works and what it offers.

Key takeaways

• Capital One Travel is an online booking experience where eligible cardholders can book flights, hotels and rental cars.
• Depending on your card, you can earn as much as 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel.
• Booking through Capital One Travel gives you access to smarter tools like price prediction, price drop protection and more.
• Venture X cardholders receive a $300 annual credit for bookings through Capital One Travel.
• Eligible cardholders also receive an experience credit and premium benefits on every hotel booking from the Premier or Lifestyle collection.

Go further with Capital One Travel

Earn extra rewards and find our best prices for flights, hotels and car rentals.

What is Capital One Travel? 

Capital One Travel is an online booking experience for Capital One rewards credit cardholders in partnership with Hopper. It launched in 2021 to make trip planning and travel enjoyable and hassle free for eligible Capital One cardholders.

Capital One Travel sorts through thousands of options to help you get Capital One’s best prices for flights, hotels and car rentals and confidently book your travel online. 1 As a bonus, eligible cardholders can earn extra rewards when booking through Capital One Travel.

Capital One Travel features and benefits

Cardholders can sign in to Capital One Travel to compare prices and book flights, hotels and rental cars. But that’s just the start. 

You’ll have access to unique tools and offers before and after you book, giving you a rewarding, flexible travel experience. Here’s a closer look at some of the benefits of Capital One Travel:

Cancel your flight for any reason

Need to make your travel booking more flexible? For a small fee when booking, you can add the option to cancel your flight for any reason.

This option gives you the ability to cancel your flight up to a set time within your scheduled departure. Capital One Travel will issue a refund—typically 70%-90% of the ticket price—to your original payment method. 

Sometimes, you’ll also have the option to choose an airline credit worth 100% of your original ticket cost instead of the refund. Airline credit availability depends on the airline’s policies. If you choose this option, Capital One Travel will still cover any related cancellation or rebooking fees. 2

Freeze the price of a flight

Want a little extra time to decide on a flight but don’t want to stress about the price going up? For some flights offered through Capital One Travel, you can “freeze” the price for a specific period of time by paying a small fee. 

When you freeze the price of the flight, Capital One Travel will hold that price for you until the expiration date of your frozen price. That expiration date will be given to you before completing your purchase.

If the price of the flight increases after you freeze it (and before your frozen price expires), Capital One Travel will cover any fare increase up to your maximum refund limit. And if the price goes down, you’ll pay the current lower price. 3

Earn bonus rewards

When you book that fabulous hotel room for the weekend or reserve a car rental for a scenic drive, you’re earning extra rewards you can put toward your next trip. 

Venture X and Venture X Business cardholders get 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel. 

And when booking through Capital One Travel with other eligible U.S.-issued Capital One cards, earn 5X miles or 5% cash back on hotels and car rentals, depending on the card:

• Travel credit cards : Venture, VentureOne
• Cash back credit cards : Quicksilver, QuicksilverOne, Quicksilver for Good Credit, Quicksilver Student, Quicksilver Secured and Capital One Walmart Rewards® Card
• Dining and entertainment credit cards : Savor, SavorOne, SavorOne Student, SavorOne for Good Credit 
• Business credit cards : Spark Miles, Spark Miles Select, Spark Cash Select, Spark Classic, Spark Cash Plus

Get price prediction and price watch alerts for flights

Looking for the best time to book flights? When you search for flights on Capital One Travel, you’ll see a recommendation to either book now or wait for a better price. Capital One Travel uses artificial intelligence (AI) to analyze billions of data points and predict how flight prices will fluctuate. 

To get started, you can set a price alert for the destination and dates you’re interested in flying. Capital One Travel will monitor prices 24/7 and let you know when it’s time to book. With help from our price predictions and alerts, you can save an average of 15% on flights. 4

Get free price drop protection for flights

Did you book a flight to visit loved ones based on Capital One Travel recommendations? If you booked at a recommended time, Capital One Travel will keep watching the price for 10 days. If it drops, you get up to $50 in travel credit for the difference. 5

Get Capital One Travel's best prices, guaranteed

If you find a better price on the same flight, hotel or car rental, Capital One Travel will match it. Simply submit a request within 24 hours of booking with us, and Capital One Travel will give you a travel credit for the difference. For hotels, we also proactively adjust our prices to guarantee they match or beat other travel sites. 6

Redeem rewards for travel

Have you been saving up your rewards? Apply them to any trip booked through Capital One Travel. Or use a combination of rewards and your card when booking. The choice is yours.

Stay in style

Elevate your stay with rooftop drinks, meals at signature restaurants, room service and other unique amenities when you book with the Premier Collection or Lifestyle Collection . The collections also include a $50 or $100 experience credit (depending on the collection) and other premium benefits like room upgrades, early check-in and late checkout when available—all to make it even easier to upgrade your next getaway. 7

Capital One Travel FAQ

Check out these frequently asked questions about Capital One Travel.

How can I access Capital One Travel?

If you have access through your card, you’ll see the option to start booking trips when you sign in and view your rewards . Through the site, you can pay for flights, hotels and car rentals with your Capital One card, your rewards or both. Don’t have an eligible Capital One card? You can compare options and benefits to get started.  

Do I need a Capital One travel rewards credit card to use Capital One Travel?

If you have any eligible Capital One credit card, you can use Capital One Travel to plan your next getaway. Travel rewards credit cards earn miles on hotels and car rentals when booking through Capital One Travel, and other eligible cards earn cash back. 

You can see if you’re pre-approved for an eligible card today—with no harm to your credit.

Can I transfer miles instead of booking through Capital One Travel?

You may be able to transfer your Capital One miles to one of Capital One’s loyalty programs .

Does Capital One offer travel insurance?

Some Capital One rewards credit cards may offer travel insurance . And some coverage may be available through your card’s network . You can check your card’s benefits and terms to determine if you qualify for travel coverage, lost luggage reimbursement or travel accident insurance.

Capital One Travel in a nutshell

Capital One Travel provides advanced booking tools, price guarantees and the ability to earn and redeem your rewards—all to help you travel smarter. All you need is a Capital One travel rewards credit card or any eligible Capital One card to use it. So if you’re jetting off to a new place soon, start planning your trip today with Capital One Travel .

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How to Redeem Capital One Miles for Travel

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Redeeming rewards for travel is a common benefit that some reward credit card programs offer. Earned rewards are usually applied toward future travel purchases to help you lower the cost of an upcoming trip. Capital One, however, lets cardholders retroactively apply their rewards toward past travel purchases at a rate of 1 cent per mile. Here’s how this useful feature works.

How to redeem Capital One miles for statement credit

One of the benefits of this tool is that you’re not restricted to purchasing travel through Capital One’s Rewards Center. Travel-related purchases can be made through a third-party travel site, directly with the carrier or hotel, and even through your local travel agent as long as you use your Capital One Rewards Card.

Transactions that are eligible for reimbursement are restricted to travel purchases that use a qualifying merchant category code. Generally, purchases from airlines, hotels, car rental companies, cruise lines and travel agents are eligible. It's is also limited to eligible purchases that posted to your account within the last 90 days.

» Learn more: NerdWallet's best Capital One cards

Cover your travel purchases with Capital One miles

To redeem your rewards for past travel, you can login to your online Capital One account. From there, click on “Redeem Rewards” and select the “Cover Your Travel Purchases” option.

Click on “Redeem a Purchase,” which then shows you a list of eligible past travel purchases. You’ll also see how many miles are required to erase the entire purchase amount before making your selection. Select which transactions you’d like to apply your rewards toward.

Before finalizing your redemption, you can choose to cover the entire purchase amount of the transaction using rewards or use the slider to select how many miles to apply to that purchase.

Upon finalizing your redemption, you’ll receive a statement credit on your Capital One account for the amount that you erased. This is typically reflected in your balance within a few business days.

Other redemption options

Aside from using the miles to reimburse yourself for travel, Capital One allows you to redeem miles toward new travel through your Capital One online account or by calling the Rewards Center.

You can also transfer your miles to another loyalty program that partners with Capital One or redeem rewards for non-travel purchases, like account credit or gift cards.

» Learn more: The 4 best Capital One transfer partners (and 7 to avoid)

Purchase Eraser FAQs

Being able to remove past travel purchases with just a few clicks is convenient and straightforward. Before using the feature, here are a few frequently asked questions to better acquaint yourself with this feature and Capital One’s rewards program

Do I have to use Capital One’s portal to use my miles?

No, you can miles on any travel-related charges on your eligible Capital One credit card, regardless of how you booked or made the purchase. This means you have the freedom to compare deals from discount travel sites, like Skyscanner or Hotwire.

Is there a minimum amount of miles required for statement credit?

No, you have the flexibility to use as many — or as few — miles as you want. There’s no minimum number of miles needed before you can use this feature. If you have as little as five miles, for example, you may apply it if it’s an eligible travel purchase.

Do Capital One miles expire?

Capital One miles never expire as long as the account remains in good standing. Also, there’s no cap to the number of miles you can earn, so you can redeem miles whenever you want.

If I didn’t have enough miles when I purchased a travel expense, can I still erase it?

Yes. If you don’t have a reserve of miles when you make an eligible purchase, you can charge your travel purchase as you normally would using your Capital One rewards card, earn the miles you need and redeem them within the 90-day window.

How much are Capital One miles worth when redeemed for travel?

A mile redeemed for travel is worth 1 cent. If your travel expense is $350, for example, you’ll need 35,000 miles to cover the entire expense. If you choose to redeem your miles in other ways, like for merchandise, the value of your miles may be different.

Frequent travelers who want a straightforward way to redeem miles on travel might find Capital One’s Purchase Eraser worth looking into.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

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

1%-10% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Terms apply.

$200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

2x-10x Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, Earn unlimited 2X miles on all other purchases.

75,000 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.

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Find the best credit card for you

Capital one cash-back rewards can now be redeemed for travel. here's how, rewards earned from capital one's cash-back credit cards can now be redeemed in the travel portal..

There's good news for Capital One cash-back cardholders when it comes to travel benefits and rewards. The credit card issuer announced May 17th, 2022 that cardmembers can now redeem Capital One Rewards for bookings within the Capital One Travel portal, as long as they have one of two student cards — the Capital One SavorOne Student Cash Rewards Credit Card (see rates and fees ) or the Capital One Quicksilver Student Cash Rewards Credit Card (see rates and fees ) — or one of the following cards:

• Capital One SavorOne Cash Rewards Credit Card (See rates and fees )
• Capital One Savor Cash Rewards Credit Card*
• Capital One QuicksilverOne Cash Rewards Credit Card (See rates and fees )
• Capital One Quicksilver Cash Rewards Credit Card (See rates and fees )
• Capital One Spark Cash Plus Credit Card*

On top of that, these cardholders can earn 5% cash back on hotels and rental cars booked through the Capital One Travel portal. The portal is a fairly new feature , and comes with outstanding consumer protection options such as price alerts, price drop protection and the best available prices, plus the flexibility to cancel your flight for any reason.

Below, Select breaks down the new feature for Capital One cardholders, as well as some tips for booking travel efficiently this summer.

Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly.  Sign-up here .

Using Capital One Rewards to book travel

The cost of travel, just like nearly everything else, has skyrocketed in recent months. Airline tickets are up by 25% , rental cars have gone up by 11% and hotel room prices have increased by 20% — all within the last year.

Earning credit card rewards through Capital One — whether it's miles with the Capital One Venture Rewards Credit Card ( see rates and fees ) or cash-back with the Capital One Quicksilver Credit Card ( see rates and fees ) — will allow you to save some money on your upcoming summer vacation.

Simply visit the Capital One Travel portal to book your trip. As you go through the booking process, you will be given the option to pay with your miles or cash back, depending on the card you're using. The amount you redeem will be deducted from your rewards balance, and you're done.

Saving directly on travel at checkout makes Capital One cash-back cards that much more valuable. Depending on the card you select, you could also earn rewards for making the purchase.

The best Capital One credit cards

What's the best credit card? It's a common question among consumers. But the answer really depends on you: Your 'best' credit card is the one that earns you the most rewards based on your purchases and that best aligns with your short- and long-term financial goals.

If your goal is to fly first-class next year, for example, choosing a travel rewards credit card would help you achieve this. If your goal is to save money on your monthly expenses to bolster your emergency fund, a cash-back credit card would be a better option.

If you want to earn points and miles to put toward a summer vacation and other travels, Capital One offers several rewards cards worth considering. Here's a look at two of the most valuable Capital One credit cards, their welcome bonuses and some of their best perks for cardholders.

Capital One Venture Rewards Credit Card

5 Miles per dollar on hotel and rental cars booked through Capital One Travel, 2X miles per dollar on every other purchase

Welcome bonus

Earn 75,000 bonus miles once you spend $4,000 on purchases within 3 months from account opening

N/A for purchases and balance transfers

Regular APR

19.99% - 29.99% variable

Balance transfer fee

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• 5 miles per dollar on hotel and rental cars booked through Capital One Travel
• Global Entry or TSA PreCheck application fee credit up to $100 every 4 years
• No introductory APR
• There’s a $95 annual fee

The Capital One Venture Rewards Credit Card ( see rates and fees ) is a solid pick for consumers looking to earn miles for travel. As you spend on the card, you will earn:

• 5X miles per dollar on hotel and rental car reservations booked via Capital One Travel
• 2X miles per dollar on all other purchases

The card also offers a valuable welcome bonus allowing you to earn 75,000 bonus miles after spending $4,000 within the first three months of card membership — that's a pretty good start if you're looking to redeem miles for flights, hotels, rental cars or other travel expenses this summer.

Cardholders receive several travel-related perks, such as a credit up to $100 to put toward TSA PreCheck or Global Entry membership, access to exclusive reservations and experiences through Capital One Dining and Capital One Entertainment, 24-hour travel assistance, extended warranty protection, and may include *travel accident insurance (fees apply).

*Terms, conditions and exclusions apply.  Refer to your Guide to Benefits for more details.

The Capital One Venture Rewards card has a modest $95 annual fee but no foreign transaction fees. ( see rates and fees )

Capital One Savor Cash Rewards Credit Card

Capital one savor cash rewards credit card.

4% cash back on dining and entertainment, 4% on eligible streaming services, 3% at grocery stores and 1% on all other purchases

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within the first three months from account opening

4% for promotional APR offers; none for balances transferred at regular APR

Terms apply.

• Unlimited 4% cash back on entertainment purchases
• Ability to redeem rewards at any amount, unlike some other cards with $25 minimums
• No fee charged on purchases made outside the U.S.
• $95 annual fee
• No introductory 0% financing offers for purchases or balance transfers

The Capital One Savor Cash Rewards Credit Card* is a great pick for anyone who spends regularly on dining and entertainment. The card has valuable cash-back categories, including:

• 4% cash back on dining and entertainment, and when you pay for popular streaming services
• 3% when you spend at grocery stores (excluding Superstores like Walmart and Target)
• 1% for all other purchases
• 5% for all hotel and car rental reservations booked through Capital One Travel

Once approved for the card, you can earn an up to $300 cash bonus after spending $3,000 within three months of opening your account.

Cardholders also have access to Capital One perks such as extended warranty protection, complimentary concierge services, 24-hour travel assistance and the ability to use rewards to cover your Amazon purchases, among other benefits.

The annual fee is $95, which can be easily earned back by completing the welcome offer's conditions. There are no foreign transaction fees.

Bottom line

Travel is going to be expensive for quite some time and using the right credit card to earn rewards and book travel can be a great strategy for knocking down some of those costs.

Before applying for a new credit card , it's prudent to have a well-established budget and prioritize your emergency fund and any investing for the future . With those foundational pieces in place, a new Capital One credit card could help you earn rewards and save on travel costs.

Catch up on Select's in-depth coverage of  personal finance ,  tech and tools ,  wellness  and more, and follow us on  Facebook ,  Instagram  and  Twitter  to stay up to date.

*Information about the Capital One Savor Cash and Capital One Spark Cash Plus credit cards has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

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

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Credit Cards

Capital One miles guide: How to earn and redeem your Capital One miles

Stella Shon

Carissa Rawson

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 5:19 a.m. UTC Jan. 2, 2024

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Liudmila Chernetska, Getty Images

What if your everyday purchases could turn into unlimited travel possibilities? Capital One miles may be one of the newer credit card rewards programs, but it packs a punch with simplified earnings and over a dozen airline and hotel transfer partners. In this guide, we’ll dive headfirst into the ways you can earn, redeem and maximize your Capital One miles.

Capital One miles overview

Capital One miles are the award currency earned by eligible Capital One travel credit cards . True to their name, you can redeem your miles for award flights on different airlines — but you’re certainly not limited to this redemption option. Cardholders can also redeem their Capital One miles for cash back, gift cards, or to shop online at Amazon and PayPal. In this guide, we’ll explore the pros and cons of each redemption option. 

How to earn Capital One miles

Capital One offers a variety of credit cards for a wide swath of spenders, from a card with a 0% APR interest to one that earns  cash-back rewards . It’s an important distinction, since not all Capital One cards earn travel miles that can be transferred out to airline and hotel partners. These cards tend to get the most value from your rewards.

The two groups of cards that earn Capital One miles are the Venture and Spark Miles cards. Savvy points and miles collectors consider these to be “anchor” cards as they have access to Capital One’s hotel and airline transfer partners. 

It’s also worth noting that if you have other Capital One rewards cards, like the Capital One Savor Cash Rewards Credit Card * The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. that technically earn cash-back, you can “convert” those rewards to Capital One miles if you also carry one of the anchor cards. Conversions are a 1:1 ratio, giving you another way to earn Capital One miles beyond the Venture and Spark Miles card options below.

Other ways you can earn Capital One miles include exchanging rewards with a friend or family member or referring a friend to a Capital One credit card.

Best Capital One credit cards that offer miles

Capital One is well-known for its lineup of Venture cards, with three choices available for any traveler’s budget. No matter which card you choose, you’ll enjoy simple, flat-rate earnings on your purchases. The right card for you will depend on your willingness to pay an annual fee compared to the benefits you’ll receive.

Redeeming your Capital One miles

Once you’ve accrued enough Capital One miles, it’s time to redeem them. You’ll quickly see that some options are better than others, with the fixed-value options ranging from 0.5 cent to 1 cent per mile. Although the value will vary greatly, you can often achieve a much better redemption by transferring your Capital One miles to the program’s transfer partners. 

Ways to use Capital One miles

Capital One transfer partners

All programs require a minimum of 1,000 Capital One miles to transfer. You’ll also need to register for an account with the loyalty program you want to transfer to if you don’t already have one.

1:1 transfer ratio

When you transfer 1,000 Capital One miles to any of these transfer partners, you’ll receive 1,000 miles or points with the following travel loyalty programs:

• Aeromexico Club Premier
• Air Canada – Aeroplan
• Cathay Pacific – Asia Miles
• Avianca LifeMiles
• British Airways Executive Club
• Choice Privileges
• Emirates Skywards
• Etihad Guest
• Finnair Plus
• Flying Blue
• Qantas Frequent Flyer
• Singapore Airlines KrisFlyer
• TAP Miles&Go
• Turkish Airlines Miles&Smiles
• Wyndham Rewards

2:1.5 transfer ratio

When you transfer 1,000 Capital One miles to this transfer partner, you’ll receive 750 miles or points with its travel loyalty program:

• EVA Air – Infinity MileageLands

2:1 transfer ratio

When you transfer 1,000 Capital One miles to this transfer partner, you’ll receive 500 miles or points with its travel loyalty program:

• ALL – Accor Live Limitless

How to maximize your Capital One miles

Capital One miles are one of our favorite rewards currencies for travel thanks to their versatility. Whether you’re booking a flight, a vacation rental  or even a cruise, you can redeem your miles for virtually any travel purchase made within 90 days on your statement credit. You’ll receive a flat-rate redemption of 1 cent each, making this an excellent redemption option if you need to book travel from any provider.

Those with more experience maximizing points and miles will want to leverage Capital One’s impressive list of transfer partners. Redemption possibilities are nearly endless, whether you want to book airfare for your whole family or save up for a once-in-a-lifetime first class ticket. 

You may notice that Capital One does not partner with any of the big three U.S. airlines — American, Delta and United. However, Capital One does partner with international carriers from each major airline alliance, where you can find and book award tickets through these programs for a bargain. Redemptions start around 6,000 to 7,500 miles.

Under the Oneworld alliance, you can transfer your Capital One miles to British Airways Avios to book American Airlines tickets. Or, you can transfer your Capital One miles to Virgin Red to SkyTeam partner Delta to book tickets. 

Finally, United Airlines gets the most love out of Capital One’s transfer partners, as there are three airline programs that partner with Star Alliance: Air Canada Aeroplan, Avianca Lifemiles and Turkish Airlines Miles&Smiles. 

There are also several amazing ways to use Capital One miles to fly internationally — and in style. A quick look at some of our favorite Capital One transfer partners include the Air France-KLM Flying Blue and the Turkish Airlines Miles&Smiles programs, which offer business class award tickets to Europe starting at 45,000 to 55,000 miles.

If you’d rather save on lodging, Wyndham Rewards is a fantastic Capital One miles partner with easy-to-understand redemptions. Award rooms can be booked for 7,500, 15,000 or 30,000 points per bedroom, per night across more than 9,000 properties worldwide. Thanks to Wyndham’s partnership with Vacasa, you can even book vacation rental homes starting at 15,000 points per bedroom, per night. 

Frequently asked questions (FAQs)

The best way to use Capital One miles for maximum value is by transferring rewards to airline and hotel partners, where you can often get 2 or even 3 cents per mile redemption value. If you’re looking for a simple yet valuable redemption, you can redeem Capital One miles for travel purchases made within 90 days on your credit card statement.

When redeeming for travel, 20,000 Capital One miles are worth at least $200 if you choose to offset eligible purchases on your statement within 90 days. They have the potential to be worth more if you leverage Capital One’s transfer partners, but the value will vary greatly.

50,000 Capital One miles are worth $500 for travel reimbursements on your statement within 90 days. By strategically transferring to Capital One’s airline and hotel partners, 50,000 miles could result in a much greater value of $1,000 — or more.

No, Capital One miles won’t expire unless you close your Capital One account. If you want to cancel your credit card, you’ll redeem all of your miles before doing so.

At the bare minimum, Capital One miles are worth 1 cent apiece for flights booked through Capital One Travel or redeemed for airfare purchases on your statement credit. For a $300 flight, you would need 30,000 Capital One miles to completely cover the cost. However, don’t overlook the power of airline partners as you may be able to transfer your rewards and gain significantly more value than 1 cent per mile.

Yes. You can redeem your Capital One miles for cash back, but this will lead to a poor redemption value of just 0.5 cents per point. In other words, 10,000 Capital One miles would be worth just $50 as a statement credit or direct deposit.

¹For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

²Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply .

*The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Stella Shon is a freelance writer that connects the dots between personal finance and travel. Her work has appeared in The Points Guy, ValuePenguin and MoneyUnder30, and she's been interviewed by The New York Times, CNBC and more.

Carissa Rawson is a credit cards and award travel expert with nearly a decade of experience. You can find her work in a variety of publications, including Forbes Advisor, Business Insider, The Points Guy, Investopedia, and more. When she's not writing or editing, you can find her in your nearest airport lounge sipping a coffee before her next flight.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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Capital One Miles Program Review – Earning, Redeeming, and Transfer Partners

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What Are Capital One Miles?

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In 2018, Capital One joined the transferable points game by adding transfer partners to its Capital One Venture and Spark Miles cards line. This added more value to an impressive, existing lineup of credit cards and instantly made the mileage currency one that every travel enthusiast should consider.

Over the years, we’ve seen Capital One beef up the transfer partner list. The company has 15+ airline and hotel transfer partners and almost all of its transfer ratios are a favorable 1:1.

This move cemented Capital One’s place in the transferable points space and showed that the bank is continuing to work on enhancing its customers’ Capital One Miles experience.

But is earning Capital One miles right for you? And more importantly, are Capital One miles any good? Here’s a full review of Capital One Miles, Capital One’s transfer partners, and the cards that earn Capital One miles.

Capital One miles are the mileage currency earned by a handful of Capital One credit cards, both personal and business.

You must have an eligible Capital One credit card to earn these miles, and there is no way to acquire them without one of these cards. You can earn Capital One miles on all your purchases, though, and most Capital One credit cards earn more than 1 point per dollar spent on all purchases, in addition to other fantastic benefits.

The actual amount of miles you’ll earn per dollar spent varies from card to card. Don’t worry — we’ll run through how many miles each Capital One Miles credit card earns in the next section of this article. Just note that some Capital One cards earn up to 10x Capital One miles per dollar spent in specific spending categories!

You can redeem your Capital One miles in various ways, but we think transferring them to travel partners is the best . This is because you’ll get the most value for your miles and be able to book redemptions such as ANA first class , Emirates first class , and even tickets in Singapore Suites !

Capital One Miles Credit Cards

You can earn Capital One miles with various Capital One-issued personal and business credit cards .

Here’s a quick look at all of the credit cards that earn Capital One miles:

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

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry or TSA PreCheck credit
• Add authorized users for no additional annual fee ( rates & fees )
• No foreign transaction fees ( rates & fees )
• $395 annual fee ( rates & fees )
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
• 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 booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck ®

Financial Snapshot

• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

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Capital One Miles

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The Capital One Venture X card is Capital One’s ultra-premium travel rewards credit card. It earns 10x miles on hotels and rental cars purchased through Capital One Travel , 5x miles on flights purchased through Capital One Travel, and 2x miles on all other purchases.

This card offers some exceptional perks , including a $300 annual travel credit on bookings made through Capital One Travel, a bonus of 10,000 miles on each account anniversary year, airport lounge access including a complimentary Priority Pass Select membership, access to Plaza Premium Lounges and the coveted Capital One Lounges , and up to $100 Global Entry / TSA PreCheck credit.

Take note of the complimentary Hertz President’s Circle status , primary car rental coverage , cell phone insurance , travel insurance , and no foreign transaction fees, too ( rates & fees ).

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.

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

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 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.

• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and Priority Pass lounges
• No-additional-fee employee cards ( rates and fees )
• No preset spending limit
• No foreign transaction fees ( rates and fees )
• $395 annual fee ( rates and fees )
• 10x and 5x bonus categories are limited to Capital One Travel bookings
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you’ll get the best prices on thousands of options
• Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Skip the lines with up to a $100 statement credit on TSA PreCheck ® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
• This is a pay-in-full card, so your balance is due in full every month
• Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
• APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.

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

The Capital One Venture X Business card is a heavy-hitter. This card earns 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on all other purchases.

Similar to its non-business counterpart, the Capital One Venture X card, the Capital One Venture X Business card offers up to a $100 credit for Global Entry or TSA PreCheck. You’ll also receive 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.

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

• 5x miles per $1 on hotels and rental cars booked through Capital One Travel
• Global Entry or TSA PreCheck application fee credit
• Access to Capital One transfer partners
• $95 annual fee ( rates & fees )
• Limited elite benefits
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs
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The Capital One Venture card is Capital One’s classic travel rewards credit card. It offers 2x miles per dollar on all  purchases . It also earns 5x miles per dollar spent on hotels and rental cars booked through Capital One Travel.

This makes the card an easy go-to for many travelers — you don’t have to worry about using a specific card for bonus miles in a specific purchase category. Instead, you’ll earn 2x miles per dollar across the board, making it easy to rack up miles.

The card has some other neat benefits, too. Namely, it offers up to a $100 statement credit that you can use towards your TSA PreCheck or Global Entry application fee . Simply charge the fee to your Capital One Venture card, and you’ll see the application fee refunded as a statement credit when your statement closes.

Further, the card has no foreign transaction fees ( rates & fees ). This means you can make purchases abroad or pay for purchases in a foreign currency without being penalized. Some cards charge up to 3% per foreign transaction, so a $100 purchase quickly becomes a $103.

You can also access Hertz Five Star status, secondary car rental insurance, and no-additional-fee authorized users with this card ( rates & fees ).

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

• No annual fee ( rates & fees )
• Ability to use transfer partners
• Fraud coverage
• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits
• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
• APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
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The Capital One VentureOne card is the Capital One Venture card’s little brother. The card has no annual fee but earns fewer miles and has fewer benefits ( rates & fees ).

Instead of earning 2x miles on all purchases, the Capital One VentureOne card earns 1.25x miles per dollar . It even earns 5x miles on hotels and rental cars booked through Capital One Travel!

This isn’t the best no-annual-fee card we’ve seen — the Chase Freedom Unlimited ®  earns 1.5% cash-back on all purchases — but it’s still better than a standard 1 point per dollar spent.

The card does not have foreign transaction fees ( rates & fees ). Because of this transfer ability, the Capital One VentureOne card is still worth a look for travelers who don’t want to deal with fees.

Hot Tip: A great perk with all Capital One consumer and business cards through June 22, 2024, is a free 6-month membership to The Cultivist , a service offering free access to museums worldwide.

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

• Unlimited 2x miles per $1 spent on all purchases
• 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
• 2 complimentary visits to a Capital One Lounge per year
• Up to a $100 Global Entry or TSA PreCheck credit
• No foreign transaction fees
• Free employee cards
• Extended warranty coverage
• Annual fee: $0 intro for the first year, $95 after that
• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Skip the lines with up to a $100 statement credit on TSA PreCheck ® or Global Entry
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles from their purchases
• APR: 26.24% (Variable)
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On the other hand, we have the Capital One Spark Miles card . This card is similar to the personal Capital One Venture card, but it has business-specific benefits that make it useful for businesses of all types and sizes. Unlike the popular Capital One Spark Cash Plus Card*, it earns Capital One miles instead of cash-back.

Like the Capital One Venture card, businesses can earn 2x miles per dollar spent on all purchases and 5x miles on hotel bookings and car rentals booked through the Capital One Travel portal. Just note that these hotel stays may not be eligible to earn hotel points or use elite status benefits (if you have them).

Further, there’s an included TSA PreCheck or Global Entry credit  for the primary cardholder. As you’d expect, the Capital One Spark Miles card also has no foreign transaction fees , making it great for businesses that pay international invoices with a credit card.

There are some business-specific benefits that Capital One adds to all of its Spark business credit cards, too. These include easily exporting purchase records, generating year-end spending summaries, and requesting free employee cards with set spending limits. You can also elect account managers on your team to make payments, manage statements, and more.

Hot Tip: If you’re a business owner, familiarize yourself with this business-specific points and miles guide .

Capital One Spark Miles Select for Business

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

The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.

• Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
• Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
• Earn 5X miles on hotel and rental car bookings through Capital One Travel.
• Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
• We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
• 0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
• APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
• Foreign Transaction Fees:
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The Capital One Spark Miles Select card is the no-annual-fee version of the Capital One Spark Miles card. Like the Capital One VentureOne card is to the Capital One Venture card, this card earns fewer miles and has fewer benefits, but may be worthwhile for cash-strapped companies and other businesses that don’t want to lock up cash in card annual fees.

The card earns 1.5x miles per dollar spent on all purchases and has no foreign transaction fees . You’ll also earn 5x miles per dollar spent on rental cars and hotel rooms booked through Capital One Travel, making it easy to earn some bonus miles on employee travel booked through the portal.

Beyond making purchases with your Capital One credit card, there aren’t many ways to earn bonus Capital One miles.

However, there is an exception to this: booking flights, rental cars, and hotel rooms with select cards through Capital One Travel , Capital One’s in-house online travel agency (OTA).

If you have a Capital One Venture card, Capital One VentureOne card, Capital One Spark Miles card, or a Capital One Spark Miles Select card, you’ll earn 5x Capital One miles per dollar when you book rental cars and hotels through the portal.

This can be especially lucrative for businesses that regularly charge client-reimbursable travel expenses to their business credit card.

If you have a Capital One Venture X card or the Capital One Venture X Business card, this number goes up to 10x miles per dollar for rental cars and 5x miles per dollar on flights .

These bonus categories can help you rack up some serious bonus miles if you have lots of paid travel expenses.

A $500 hotel stay could earn a whopping 5,000 Capital One miles . We recently valued Capital One miles at 1.8 cents per point, meaning that this miles haul is worth — at a minimum — a cool $90 for Capital One Venture X cardholders.

Earning Bonus Capital One Miles With Refer a Friend

Cardholders of the Capital One Venture X card, Capital One Venture card, and Capital One VentureOne card can earn bonus miles (that vary by card) through a personal referral link through the Refer-A-Friend program . So long as the person who signs up with your link is a new Capital One cardholder, you’ll earn bonus miles for each friend approved.

To find your link, sign in to your account or look in the app for the Refer a Friend tile on the account details page.

You will only be eligible for the program if all of your accounts are open and not in default.

Capital One offers a variety of ways for its cardholders to redeem Capital One miles . While we generally suggest sticking with moving miles to transfer partners, there are a few other ways Capital One miles can be redeemed, too.

To fully review your options, we’ll take you through all of your Capital One miles redemption options below.

The most lucrative way to redeem your Capital One miles is by transferring them to one of its numerous transfer partners. The bank’s list of transfer partners includes some of the most well-known airline mileage programs and hotel loyalty programs, and some of its transfer partners are exclusive to Capital One .

The upside to transferring to travel partners instead of using one of Capital One’s other redemption options is that you’re not restricted to a single point value. Rather, the value of your miles depends on what you’re redeeming them for after you transfer them.

For example, you can transfer your Capital One miles to Singapore Airlines’ Krisflyer loyalty program and book a ticket in the airline’s world-famous Suites first class product. Doing this will likely give you over 4 cents per point in value .

Most transfer partners are at a 1:1 ratio, though a couple still fall under the 2:1.5 or 2:1 ratio. An example is transferring Capital One miles to EVA Air Infinity MileageLands at 2:1.5. Transferring 100,000 Capital One miles to EVA Air  would yield 75,000 miles . On the other hand, most other transfer partners like Avianca LifeMiles and Emirates Skywards process at a 1:1 ratio.

Here’s a quick look at all of the Capital One Miles transfer partners , along with their transfer rates:

Many transfer partners overlap with Chase Ultimate Rewards, Citi ThankYou Rewards, and American Express Membership Rewards. However, some partners, such as ALL – Accor Live Limitless and Finnair Plus, are exclusive to Capital One Miles , so adding a Capital One card to your wallet could open you up to even more redemptions, even if you have a stash of other points.

Bottom Line: Before you transfer miles,  find the ticket you want to book and ensure that award space is available. Doing this will prevent you from locking up your miles without a plan and potentially getting stuck with airline miles or hotel points you can’t use. Keeping your miles as liquid as possible until you redeem them is critical to ensuring you get the best value when redeeming them.

You can redeem your Capital One miles for gift cards to popular merchants such as Applebee’s, AutoZone, and Macy’s. All gift card redemptions are processed at a value of 1 cent per mile , meaning that 50,000 Capital One miles are equal to a $500 gift card to a merchant of your choice.

We don’t recommend redeeming your Capital One miles for gift cards, as you’ll get a lower cent per point value than redeeming them through one of Capital One’s transfer partners.

However, if you don’t have any upcoming travel plans, gift cards are a better use of miles than if you were to redeem for cash-back or through Amazon.

Like Chase Ultimate Rewards and American Express Membership Rewards, you can use your Capital One miles to cover Amazon purchases at checkout. Add your Capital One card to your Amazon payment methods, and you can use miles to cover your Amazon purchases.

Remember that you’ll get a low-point valuation if you go this route. Capital One miles can be redeemed at a flat rate of 0.8 cents per mile spent. For reference, the 0.8 cent valuation towards Amazon purchases means 125 Capital One miles gives you $1 off your purchase.

So, with that in mind, stay away from this type of redemption . It may be a convenient way to use your miles to save money on everyday purchases, but you’ll lose tons of value in the process.

Finally, you can redeem your Capital One miles for cash-back through a statement credit or a check.

However, we don’t necessarily recommend doing this. You’ll get a flat 0.5 cents per point in value when redeeming miles this way. So 50,000 miles would be worth just $250.

With that in mind, we recommend avoiding cashing out your Capital One miles for statement credit or a check. You’re better off redeeming for a gift card or even redeeming miles through Amazon if you want to use your miles to cover everyday expenses.

Hot Tip: When your eligible card is linked to PayPal, you can checkout with PayPal and redeem your miles at a rate of 125 miles to $1. We’d recommend this only if you can’t use your miles for travel or as a statement credit.

Comparing Capital One Miles to Other Transferable Points Programs

As you know, Capital One Miles isn’t the only transferable points currency out there. Here’s a look at how these miles stack up to other transferable points programs like Amex, Chase, and Citi.

American Express Membership Rewards is a premier transferable points program. There are more American Express transfer partners than Capital One, and its personal and business cards have more points-earning options, too.

For example, the American Express ® Gold Card earns 4x points per dollar spent at restaurants and U.S. supermarkets (up to $25,000 per calendar year). When you consider that almost all Membership Rewards transfer partners transfer at a 1:1 ratio, many will find that Membership Rewards points are more valuable than Capital One miles.

Further, Capital One and American Express share many of the same transfer partners. There are some exceptions to this rule, though. For example, Amex does not offer ALL – Accor Live Limitless and Turkish Airlines.

On the other hand, many Membership Rewards-earning credit cards have higher annual fees than Capital One cards.

Like Membership Rewards, Chase’s Ultimate Rewards points currency can be more easily earned than Capital One miles. This is especially true for business owners as the Ink Business Preferred ® Credit Card earns 3x points per dollar spent in select business spending categories , including travel, shipping, and online advertising.

Further, Chase Ultimate Rewards points transfer 1:1 to all of its Chase transfer partners . You can redeem your points at up to 1.5 cents per point in value towards paid bookings through the Chase travel portal . The value you’ll get depends on the Ultimate Rewards credit card you have, though.

We recommend starting with Ultimate Rewards points when you begin your miles and points journey. This is because Chase’s famous 5/24 rule makes those with over 5 new credit cards in the past 24 months ineligible for new Chase credit cards .

Citi’s ThankYou Points currency is another underdog of the miles and points world. It isn’t quite as well known as Amex or Chase’s options, but it’s worth a look if you’re over 5/24 and want to take advantage of exclusive transfer partners such as  Turkish Airlines Miles & Smiles . That said, we still value Capital One miles higher than Citi ThankYou Points (which we value at 1.6 cents apiece).

So, you may want to check out Capital One before Citi , but only after you’ve exhausted your options for earning more valuable points currencies such as Amex Membership Rewards or Chase Ultimate Rewards.

Now you know the ins and outs of Capital One Miles. We started by discussing what these miles are, and then we examined how to earn and spend them and compared them to other types of transferable points.

Capital One miles are a solid addition to your points and miles portfolio. They may not be as valuable as Chase Ultimate Rewards or American Express Membership Rewards. Still, the unique set of transfer partners, lucrative earnings on non-bonus spend categories, and interesting credit card benefits make them attractive for specific uses.

We highly recommend you stick to redeeming your Capital One miles through transfer partners.

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

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g., at Hertz.com) will not automatically detect a cardholder as being eligible for the program, and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.   For rates and fees of the American Express ® Gold Card, click  here .

Frequently Asked Questions

Can i transfer capital one miles to southwest airlines.

Capital One miles do not transfer to Southwest Airlines.

Does the Capital One Venture card earn 5x miles on car rentals and hotels through Capital One Travel?

Yes! The Capital One Venture card, Capital One VentureOne card, and the Spark Miles family of business credit cards earn 5x on car rentals and hotel stays booked through Capital One Travel. Also, the Capital One Venture X card and Capital One Spark Travel Elite card both earn 10x miles on hotels and rental cars purchased through Capital One Travel.

Do any Capital One credit cards include airport lounge access?

The Capital One Venture X card and the Capital One Venture X Business card both offer unlimited free visits, including 2 free guests per visit, to Capital One Lounges and Plaza Premium Lounges, as well as complimentary Priority Pass Select membership. Lounge access is available for authorized users of the Capital One Venture X card, while the Capital One Venture X Business card does not include lounge access for authorized users.

The Capital One Venture card and Capital One Spark Miles card offer 2 complimentary visits to Capital One Lounges or Plaza Premium Lounges per year.

What are 100,000 Capital One miles worth?

According to our valuations , 100,000 Capital One miles is worth around $1,800. You can get better or worse value depending on how exactly you use your miles, but this is a good rule of thumb.

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About Andrew Kunesh

Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City.

He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Andrew formerly worked for The Points Guy and is now Senior Money Editor at CNN Underscored.

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Key takeaways

• The Capital One miles program is flexible and user-friendly, making it a great choice for new travel rewards users.
• The Capital One Venture X in particular is a good option for travelers who are looking for a luxury travel card, but without the high annual fee associated with other popular products.
• As with any travel card, it's still important to make sure potential Capital One miles redemptions make sense for your travel and spending habits.

If you’re looking for a prime example of how a credit card rewards program can offset travel costs and maximize value, look no further than Capital One miles. This rewards program is user-friendly, flexible and offers a number of valuable redemption options.

In this guide we’ll take a closer look at what Capital One miles are, how you can earn and redeem them, which credit cards earn Capital One miles and everything else you need to know about this rewards program.

Capital One miles basics

Capital One miles — also known as Capital One Rewards or Capital One Travel Rewards — is the rewards program for several Capital One credit cards. With this program, you’ll earn miles on all qualifying purchases, which you can then redeem for travel or non-travel options. The number of miles you’ll earn vary depending on the card you have, but several Capital One cards allow you to earn more miles for certain types of travel purchases.

Who is the Capital One miles program best for?

The Capital One miles rewards program is best for people who travel frequently and would rather earn and redeem flexible travel rewards instead of cash back.

How to earn Capital One miles

Many people don’t take advantage of the full potential of their travel rewards cards because the process can be confusing and overwhelming. Luckily, earning miles toward your next flight or hotel stay is easy with Capital One.

Earn with eligible credit card spending

To earn miles, simply use one of the Capital One credit cards that earn miles — the Capital One VentureOne Rewards for Good Credit card, Capital One VentureOne Rewards credit card, Capital One Venture Rewards credit card, Capital One Venture X Rewards credit card, Capital One Spark 2X Miles for Business or Capital One Spark 1.5X Miles Select for Business.

With these Capital One cards, there’s no limit to the number of miles you can earn. No matter which card you have, you’ll earn miles on all purchases you make. With the more premium cards, however, you’ll earn boosted miles on certain types of travel purchases — like the 10X miles on hotels and rental cars and 5X on miles booked through Capital One Travel with the Capital One Venture X Rewards Credit Card.

Earn with a credit card welcome bonus

All of the above-mentioned Capital One cards with the exception of the Capital One VentureOne Rewards Credit Card for Good Credit offer welcome bonuses for new cardholders, offering you the chance to earn thousands of extra miles as long as you meet certain spending requirements.

For example, you can earn 75,000 miles after spending $4,000 within the first three months for both the Capital One Venture and Capital One Venture X . Or, you could earn 50,000 miles after spending $4,500 within the first three months with the Capital One Spark 2X Miles for Business.

How to redeem Capital One miles

To redeem your Capital One miles, log in to your account via the website or Capital One mobile app . Then, go to the rewards page and choose which redemption option you’re interested in. Here are all of the ways you can redeem your Capital One miles:

Redeem for travel purchases

The best way to redeem Capital One miles is for travel purchases , including transfers to Capital One travel partners. Through the Capital One travel portal , you can redeem your miles for flights, hotel stays, car rentals, vacation packages and more. Alternatively, you can redeem your miles to cover qualifying travel purchases made with your card within 90 days of purchase.

Redeem for transfers to travel partners

Capital One has more than 15 airline and hotel partners you can transfer your rewards to. As with booking travel through Capital One Travel, this is one of the best ways to redeem your rewards, since you’ll usually get far more value out of your miles.

Redeem for gift cards

If you don’t want to use your miles for travel, you can also redeem them for gift cards to popular merchants. Some merchants include Apple, Best Buy and Barnes & Noble.

Redeem for cash back

You can also choose to redeem your miles for cash through the “cash” section of the redemption portal. Cash back can be redeemed in the form of a statement credit, account credit or check. However, keep in mind that this is not the best way to use Capital One miles since you’ll get far less value out of this redemption method.

Redeem for event tickets

Another option is to redeem your miles for tickets to a wide variety of events — including sports, dining and music events — through Capital One Entertainment .

Redeem for PayPal or Amazon shopping

If you want to redeem your miles for online shopping purchases, you have two options: PayPal or Amazon. With PayPal, you’ll shop with a participating merchant and choose the option to checkout with PayPal. Then, you’ll choose your linked Capital One card and pay with Capital One Rewards.

Shopping with Amazon follows a similar process. First, you’ll link your eligible Capital One card to its Shop with Points program. Then, you’ll shop on Amazon and choose the option to pay with Capital One Rewards.

How much are Capital One miles worth?

According to valuations from Bankrate , Capital One miles are worth about 1.7 cents each. This valuation falls into the mid- to high-range for credit card rewards programs. Of course, how you choose to redeem your rewards ultimately determines the value of your rewards.

How do Capital One miles compare to other programs?

For comparison, here is how Capital One miles stack up against other major credit card rewards programs:

Credit card rewards program

Capital One miles transfer partners

Transferring miles to Capital One transfer partners is easy. Once you’re logged in to your account, go to the Capital One rewards page. Then, select the option to transfer rewards and choose which partner you’d like to transfer your miles to. Keep in mind that when you transfer your miles to a loyalty partner, transfers are irreversible.

Note that Capital One miles transfers can take up to five business days to process, but travelers on a time crunch are not out of luck. Several Capital One travel partners offer instant transfers, while others take 24 to 36 hours (rather than five business days).

Airline partners

• Accor Live Limitless (2:1)
• Aeromexico Club Premier
• Air France/KLM Flying Blue
• Air Canada (Aeroplan)
• Cathay Pacific Asia Miles
• Avianca LifeMiles
• British Airways
• Emirates Skywards
• Etihad Guest
• EVA Air (2:1.5)
• Finnair Plus
• Qantas Frequent Flyer
• Singapore Airlines KrisFlyer
• TAP Air Portugal
• Turkish Airlines

Hotel partners

Top credit cards that earn capital one miles.

There are a number of Capital one credit cards that earn miles, all with varying rewards structures, welcome bonuses, benefits and more. The top Capital One credit cards for earning miles include:

Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card offers a fair amount of value for a no-annual-fee travel card. It offers a welcome bonus of 20,000 miles (worth $200) if you spend $500 within the first three months, which is very attainable. For rewards, you’ll earn 5X miles on hotels and rental cars booked through Capital One Travel and 1.25X miles on all other purchases.

Notable travel perks include 24/7 travel assistance services, no foreign transaction fees, an auto rental collision damage waiver and travel accident insurance.

Capital One Venture Rewards Credit Card

Another top Capital One card for earning miles is the Capital One Venture Rewards Credit Card . Travelers looking to earn miles can enjoy 5X miles on hotels and rental cars booked through Capital One Travel and 2X miles on all other purchases. Plus, new cardholders can earn 75,000 bonus miles (worth $750 in travel) after spending $4,000 within the first three months of account opening.

This card comes with a $95 annual fee, but the cost of the card’s membership can be easily recouped if you take advantage of the up to $100 credit for TSA PreCheck or Global Entry. Some other travel benefits include two free Capital One Lounge visits per year, no foreign transaction fees, 24/7 travel assistance services, an auto rental collision damage waiver and travel accident insurance.

Capital One Venture X Rewards Credit Card

If you’re interested in a lower-cost luxury travel card, consider the Capital One Venture X Rewards Credit Card . This card has a $395 annual fee, which is much lower than The Platinum Card® from American Express’s $695 annual fee or the Chase Sapphire Reserve®’s $550 annual fee.

As for rewards, the Capital One Venture X earns 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel and 2X miles on all other purchases. New cardholders can also earn 75,000 miles after spending $4,000 with the first three months of card membership.

Notable travel benefits include up to a $300 annual travel credit for bookings through Capital One Travel, up to a $100 credit for TSA PreCheck or Global Entry, 10,000 bonus miles every account anniversary (worth $100 in travel), no foreign transaction fees and unlimited access to Capital One Lounges and more than 1,300 partner lounges.

Capital One Spark 2X Miles for Business

For business owners looking to earn travel rewards, the Capital One Spark Miles for Business is a great card to consider. This card comes with a $95 annual fee, but that fee is waived for the first year. To start with, you can earn 50,000 miles after spending $4,500 within the first three months of account opening. You’ll also earn 2X miles on all purchases.

Some notable travel benefits include up to a $100 credit for TSA PreCheck or Global Entry and no foreign transaction fees. As for business benefits, you’ll get perks like streamlined purchase records, free employee cards, customized spending limits for employee cards, itemized annual spending reports and more.

Capital One Spark 1.5X Miles Select for Business

Capital One also has a no-annual-fee business card that earns miles, the Capital One® Spark® Miles Select for Business *. With this card you’ll earn 1.5X miles on all purchases, along with the chance to earn 20,000 bonus miles when you spend $3,000 within the first three months of card membership. You’ll also get a 0 percent intro APR on purchases for nine months, followed by a variable APR of 13.99 percent to 23.99 percent.

Like the Capital One Spark 2X Miles, you’ll get free employee cards, customized spending limits for employee cards, streamlined purchase records and itemized annual spending reports. This card also comes with no foreign transaction fees, auto rental collision coverage and roadside assistance.

FAQs about Capital One miles

Do capital one miles expire, can you share miles with friends and family members, how many capital one miles do you need for a flight, the bottom line.

The Capital One miles program is user-friendly, flexible and easy to understand. You can earn miles quickly on eligible purchases made with a Capital One travel card of your choice . Plus, there are no special categories you’ll need to remember for earning rewards and there’s no cap on the number of rewards you can earn. As for redeeming miles, the sky’s the limit — your next flight, hotel stay or vacation could be covered just by using your Capital One travel card.

For more travel tips & tricks, check out Bankrate’s travel toolkit .

The information about the Capital One Spark 1.5X Miles Select for Business card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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Earn, redeem, repeat: How to maximize Capital One Venture Rewards

Update: Some offers mentioned below are no longer available. View the current offers here .

Whether you prefer cash back rewards or transferable miles , Capital One Venture Rewards miles can be a good choice. TPG himself, Brian Kelly , picked the Capital One Venture Rewards Credit Card as the one card he wouldn't live without earlier this year. Brian said he chose the Venture over many of his other beloved cards primarily due to the ease of earning and redeeming Capital One miles. And, now the Capital One Venture offers a 60,000-mile sign-up bonus after spending $3,000 on purchases in the first 3 months of account opening.

Historically, the best way to use Capital One miles was to redeem for recent travel purchases . But, in late 2018, Capital One introduced transfer partners . And, earlier this year, Capital One added new, temporary ways to redeem miles . So, now you have to decide whether to redeem at a fixed-value or transfer to partners .

In this guide, I'll first introduce the cards that earn Capital One miles . Then, I'll discuss what you need to know about redeeming Capital One miles .

Get the latest points, miles and travel news by signing up for TPG's free daily newsletter .

Capital One has two types of consumer and business credit cards : Cash-back rewards cards , such as the Capital One Quicksilver Cash Rewards Credit Card, and travel rewards cards that earn Capital One miles. Today, I'll focus on Capital One miles and the cards that earn these miles.

Earning Capital One miles is easy as long as you have one of four specific Capital One credit cards . In particular, there are two consumer cards and two small business cards that earn Capital One miles . I'll discuss these cards later in this guide.

When it comes to redeeming Capital One miles , redemption options are all the same. In particular, you don't need a premium card or bank account to get the most value from your miles. I'll introduce redemption partners in the next section before discussing how to redeem Capital One miles later in this guide.

Related: Have the Capital One Venture Card but new to points and miles? Here's what you need to know

Capital One introduced transfer partners in late 2018. And, these partners provide an additional way to redeem Capital One miles . Here are the current Capital One transfer partners :

• Accor Live Limitless (ALL)
• Aeromexico Club Premier
• Air Canada Aeroplan
• Air France KLM Flying Blue
• Alitalia MilleMiglia
• Avianca LifeMiles
• Cathay Pacific Asia Miles
• Emirates Skywards
• Etihad Guest
• EVA Air Infinity MileageLands
• Finnair Plus
• JetBlue TrueBlue
• Qantas Frequent Flyer
• Singapore Airlines KrisFlyer
• Wyndham Rewards

So, as you can see from the above list, you can transfer Capital One miles to 13 airline partners and two hotel partners. We'll discuss these partners in more detail below. But, for now, it's enough to know that JetBlue TrueBlue isn't your only option to redeem Capital One miles for domestic flights . And, you can redeem Capital One miles to fly worldwide on Star Alliance airlines , Oneworld airlines and SkyTeam airlines .

Related: The easiest airline miles to get and why you want them

How to earn

While there are many Capital One credit cards , only the following can earn transferable miles :

Capital One Venture Rewards Credit Card

Capital one ventureone rewards credit card, capital one spark miles for business, capital one spark miles select for business.

The information for the Capital One Spark Miles Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Generally, you'll earn Capital One miles through these cards in two ways. First, you can earn a sizeable sign-up bonus when you open a new account and meet a minimum spending requirement . And second, you'll earn miles as you use your card.

So, let's take a closer look at each of these four cards.

Sign-up bonus : Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening. Based on TPG's valuations (which aren't provided by the issuer), 60,000 Capital One miles are worth $1,020.

Rewards rate :

• 2x miles on everything else (2.8% return based on TPG's valuations)

Annual fee : $95

Card benefits :

• Global Entry or TSA PreCheck application fee credit every four years (up to $100)
• Extended warranty on purchases
• No foreign transaction fees

Who should apply : The Capital One Venture Rewards Credit Card is one of the best cards for everyday spending . In particular, you'll earn at least two miles per dollar spent on every purchase. But, the value you'll get depends on how you plan on redeeming your miles. If you redeem at a fixed value , you'll do better with the no-annual-fee Citi® Double Cash Card. However, the Capital One Venture Card is a good choice if you'll transfer Capital One miles to partners .

For more details, see the Capital One Venture Rewards Credit Card review .

Related: Why the Capital One Venture Rewards credit card has a front spot in our wallets

Sign-up bonus : Earn 20,000 bonus miles once you spend $500 on purchases within the first three months. Based on TPG's valuations , 20,000 Capital One miles are worth $280.

• 1.25x miles on everything else (1.75% return based on TPG valuations)

Annual fee : $0

Who should apply : Consider the VentureOne card if you're looking for a no-annual-fee version of the Venture. But, if you're looking for a cash-back card with no annual fee , there are better options. For example, you might consider the Citi® Double Cash Card or Capital One Quicksilver Cash Rewards Credit Card.

For more details, see the Capital One VentureOne Rewards Credit Card review .

Related: Capital One Venture Card vs. Capital One VentureOne Card: Which one is right for you?

Sign-up bonus : Earn 50,000 miles once you spend $4,500 on purchases within the first three months. Based on TPG's valuations , 50,000 Capital One miles are worth $700.

• 2x miles on all purchases (2.8% return based on TPG valuations)

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

Who should apply : The Capital One Spark Miles for Business is suitable for businesses that only want one card. The card can also be useful if your spending doesn't fall into common business bonus categories . Plus, it provides simple redemption options as well as the ability to transfer miles to travel partners .

For more details, see the Capital One Spark Miles for Business card review .

Sign-up bonus : Earn 20,000 miles once you spend $3,000 on purchases within the first three months. Based on TPG's valuations , 20,000 Capital One miles are worth $280.

• 1.5x miles on all purchases (2.1% return based on TPG valuations)

Who should apply : The Capital One Spark Miles Select for Business is a solid no-annual-fee business credit card . The card earns at least 1.5x on all purchases, which can be useful if many of your purchases aren't typically included in business bonus categories . In short, this card makes sense if you like the Spark Miles but don't want to pay an annual fee .

For more details, see the Capital One Spark Miles Select for Business card review .

How to redeem Capital One Venture miles

There are many options for redeeming Capital One miles. But, some redemption options will provide more value than others. So, let's take a closer look at your options.

Things to know

If you're new to Capital One miles or simply haven't been maximizing your miles , here are some key points to know:

• You can redeem Capital One miles at a fixed-value
• Not all fixed-value redemption options provide equal value
• Some fixed-value redemption options are temporary
• It's possible to transfer Capital One miles to 13 airline partners and two hotel partners
• You can easily share your Capital One miles
• Miles don't expire as long as your account is open. But, you'll lose any rewards you haven't redeemed if your account is closed.

I'll discuss fixed-value redemptions as well as transfer options below. But, in short, you should choose redemptions that provide at least one cent per mile in value.

Related: To transfer or not to transfer: What to do with Capital One miles

Fixed-value awards

You have the following options if you want to redeem your Capital One miles at a fixed value :

• Redeem to cover recent purchases
• Redeem for recent travel purchases
• Only purchases made within the last 90 days are eligible
• Provides one cent per mile of value
• Book flights, hotels and car rentals through Capital One Travel
• Buy gift cards
• Most gift cards give 0.8 cents per mile of value
• But, some (such as L.L.Bean) give one cent per mile of value
• Pay for Amazon.com orders by applying miles at checkout
• Provides 0.8 cents per mile of value
• Cash-back applied toward your account balance or as a check
• If applied to your account balance, it doesn't count toward your minimum monthly payment
• Only provides 0.5 cents per mile of value

As you can see, multiple fixed-value redemption options provide one cent per mile in value. But, redeeming for recent purchases is your best option. That's because you may be able to buy gift cards at a discount through other vendors. You don't need to book through Capital One Travel when you redeem miles for recent travel purchases.

Related: Are non-travel statement credit redemptions worthwhile?

Partner awards

You can also transfer your Capital One miles to select airline and hotel partners .

Part of the value of transferable miles comes from the flexibility these miles provide. But, some transfer partners offer better value than others. In the next section, I will cover some of the best sweet spots when redeeming Capital One miles .

Related: Savvy rewards travelers focus on transferable points for the most flexibility

Sweet spots

It's easy to redeem Capital One miles for one cent each, using fixed-value options. But, if you want to maximize your Capital One miles , you'll need to utilize Capital One's transfer partners .

Many travelers aren't interested in booking international travel right now. But, there are some great options to redeem Capital One miles for domestic flights . Specifically, you'll want to consider the following domestic sweet spots:

• Avianca LifeMiles to book domestic United Airlines flights
• 6,500-13,500 Avianca LifeMiles per direction plus a booking fee of $10 to $25
• You can transfer Capital One miles to Avianca at a 2:1.5 ratio. So, you'd need between 8,667 and 18,000 Capital One miles each way.
• Singapore KrisFlyer to book domestic Alaska Airlines flights
• 7,500-12,500 Singapore KrisFlyer miles for a one-way economy flight within the U.S. including Alaska and Hawaii
• You can transfer Capital One miles to Singapore KrisFlyer at a 2:1 ratio. So, you'd need 15,000 to 25,000 Capital One miles each way.
• Etihad Guest to book domestic American Airlines flights
• 12,500 Etihad Guest miles for a one-way economy flight and 25,000 miles for a one-way first-class award
• You can transfer Capital One miles to Etihad Guest at a 2:1.5 ratio. So, you'd need 16,667 Capital One miles each way in economy and 33,334 miles each way in first class.

International travel is still on hold for most U.S. residents due to entry restrictions and coronavirus concerns . But, if you're looking to book an international trip, here are some of the best sweet spots for using Capital One miles with each airline alliance:

• Oneworld airlines sweet spots
• SkyTeam airlines sweet spots
• Star Alliance airlines sweet spots

Related: These are the airlines with the best award availability for late 2020 and early 2021

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

Bottom line

One of the primary advantages of Capital One miles over other transferable currencies is flexibility. Specifically, you can redeem miles at a fixed value or transfer miles to select airline and hotel partners.

When topping off my frequent flyer account to book an award flight , I generally check whether I can transfer Capital One miles. After all, according to TPG's valuations , Capital One miles are less valuable than most other transferable miles . But, I haven't had any issues getting great value from my Capital One miles.

Capital One SavorOne Cash Rewards Credit Card Review

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

Whether you prefer to dine in or explore restaurants around town, the Capital One SavorOne Cash Rewards Credit Card might be ideal for you.

This card offers a high cash-back rate on dining and at grocery stores (excluding superstores like Walmart® and Target®) plus other popular spending categories. And it doesn’t have annual or foreign transaction fees, which makes it a great addition to any wallet.

Read on for a deep dive into the card’s benefits, features and potential drawbacks.

• Pros and cons

Interest rates and fees

How we evaluated the capital one savorone cash rewards credit card.

• Summary of Money’s review

Pros and cons of the Capital One SavorOne Cash Rewards Credit Card

• Earn unlimited 3% cash back on dining, entertainment, select streaming services and at grocery stores (excluding superstores such as Walmart(R) and Target(R))
• No annual or foreign transaction fees
• Includes travel accident insurance, which isn't common among no-annual-fee cards
• You can transfer your rewards from this card to a different Capital One travel card that earns miles
• Includes fewer insurance policies and purchase protections than other cards without an annual fee
• 5% cash back bonus on travel does not include airfare and only applies to hotels and car rentals booked through Capital One Travel

The Capital One SavorOne Cash Rewards Credit Card is one of the best cash-back credit cards around.

This no-annual-fee credit card offers a high bonus rate on six spending categories, including 3% cash back on dining, entertainment and grocery stores (excluding superstores like Walmart® and Target®). So, if you spend a lot on groceries or are frequently going to restaurants or concerts, this is one of the best credit cards to keep handy in your wallet.

Moreover, the Capital One SavorOne Cash Rewards Credit Card doesn’t charge foreign transaction fees, which are common for credit cards with no annual fee. The card also provides travel accident insurance and 5% cash back on hotels and rental cars booked through Capital One Travel, making it one of the best travel credit cards around.

The Capital One SavorOne Cash Rewards Credit Card is meant for excellent credit; however, if your credit falls in the “good” but not excellent range, you can consider the Capital One SavorOne Cash Rewards for Good Credit.

This version offers pretty much the same rewards rate and benefits, just not the welcome bonus or an introductory APR. It can also have a higher APR of up to reg_apr,reg_apr_type .

There’s also a higher-end version of these cards, the Capital One Savor Cash Rewards Credit Card. It has a $95 annual fee, but does offer a higher reward rate — 4% cash back on dining, entertainment, and select streaming services and 3% back at grocery stores (excluding superstores like Walmart® and Target®).

Earning cash back with the Capital One SavorOne Cash Rewards Card

With the Capital One SavorOne Cash Rewards Credit Card you can earn:

• 8% cash back on Capital One Entertainment purchases
• 5% cash back on hotels and rental cars booked through Capital One Travel
• 3% cash back on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart® and Target®)
• 1% on all other purchases

Additionally, cardmembers can get 10% cash back on qualifying Uber and Uber Eats purchases through November 14, 2024. (Offer valid in the U.S. only.)

It’s worth mentioning that Capital One has broad definitions for its bonus categories, giving cardmembers outstanding cash-back earning potential at countless establishments, both here and internationally.

For example, the dining category includes restaurants, cafes, bars, bakeries, food delivery services (such as DoorDash), takeout services and more. The entertainment category is also quite comprehensive, including venues and events like movie theaters, professional sporting events, amusement parks and tourist attractions, among others.

More importantly, the card doesn’t have quarterly or yearly reward caps or foreign transaction fees, so you can earn unlimited rewards worldwide.

However, you should review the card’s fine print as there are a few restrictions. For example, the entertainment category excludes golf courses and college sporting events. And while the card’s streaming service bonus includes popular names like Netflix and Hulu, it doesn’t cover Amazon Prime Video.

Redeeming your cash back

With the Capital One SavorOne Cash Rewards Credit Card, you can redeem your rewards for:

Statement credits

You can redeem your cash back as a physical check or as statement credits to reduce your outstanding balance. You can manually request the cash back through your Capital One account or set up automatic redemptions that can be scheduled for a fixed date each year or after accruing a set amount of rewards (starting at $25).

You can also transfer your rewards to a Capital One card that earns miles, such as the card_name. This would convert your rewards into miles, which you can then transfer to any of Capital One’s 17 travel partners. These include:

• Aeromexico Club Premier
• Air Canada Aeroplan
• Air France KLM Flying Blue
• Accor Live Limitless
• Avianca LifeMiles
• British Airways Executive Club
• Choice Privileges
• Emirates Skywards
• Etihad Guest
• EVA Air Infinity MileageLands
• Finnair Plus
• Qantas Frequent Flyer
• Singapore Airlines KrisFlyer
• TAP Portugal Miles&Go
• Turkish Airlines Miles&Smiles

Lastly, you can redeem accumulated rewards for gift cards from retailers, restaurants and more or through Amazon or PayPal checkout.

Benefits and Perks

Insurance and warranties.

• Travel accident insurance. You, your spouse (or domestic partner) and dependent children are covered up to $1,000,000 against accidental loss of life, limb, sight, speech or hearing while riding, entering or exiting a licensed common carrier, such as an airline, cruise or train. You must pay the passenger fare in full with your card to be eligible for coverage.
• Extended warranty. It doubles the original manufacturer’s warranty (up to a maximum of 24 months) on select items purchased with your card. If you buy an optional extended warranty of up to 24 months, this policy will provide up to 24 additional months of coverage once the original and optional coverage periods end.
• Complimentary Uber One membership. Use your Capital One SavorOne Cash Rewards Credit Card to sign up and pay for Uber One, and you’ll get a monthly statement credit to cover the membership cost. Uber One includes $0 delivery on eligible food purchases, groceries and more on Uber Eats. You also get member pricing and access to top-rated drivers for Uber rides. This offer is available through November 14, 2024. Offer valid only in the U.S.

Other benefits

• Complimentary concierge service. Get personalized assistance with dinner reservations, travel bookings, entertainment experiences and more, 24/7, 365 days a year.
• 24-hour travel assistance services. Get an emergency replacement card and a cash advance if your credit card is lost or stolen while traveling.
• Capital One Travel. You can use this platform to book flights, hotels and car rentals — and the reservations come with a price match guarantee. If you find a cheaper itinerary elsewhere, notify Capital One within 24 hours after making the reservation, and you may receive a travel credit for the difference. ( Terms apply. )
• Capital One Dining. Cardholders can gain access to hard-to-book restaurants and exclusive dinners by acclaimed chefs.
• Capital One Entertainment. This ticketing platform provides access to exclusive events such as celebrity meet-and-greets and premium seats at sporting and musical events.

Capital One SavorOne Cash Rewards Credit Card FAQs

Who is the capital one savorone cash rewards credit card best for, can i use the capital one savorone cash rewards credit card while traveling.

To evaluate the Capital One SavorOne Cash Rewards Credit Card, we considered the following factors:

• Annual fee. The card’s yearly fee is key when deciding if its rewards and benefits are worth the expense. It’s also important when determining how a card compares to others in the same price range.
• Additional rates and fees. We also considered other relevant rates and fees, including the card’s foreign transaction, balance transfer and interest rates.
• Rewards. We evaluated the card’s bonus categories and how easy it is for cardholders to maximize their rewards. We also looked into the card’s redemption options, such as cash back or travel.
• Benefits. We reviewed the card’s insurance policies and purchase protections as well as their coverage level. We also considered additional perks, such as complimentary statement credits or memberships.

Summary of Money’s Capital One SavorOne Cash Rewards Credit Card review

If you frequently spend on dining and entertainment, or spend a lot on groceries, the Capital One SavorOne Cash Rewards Credit Card is definitely worth considering. The card offers high rewards on several popular spending categories, including dining and entertainment. Pair this with its lack of annual and foreign transaction fees, and you get a solid cash-back credit that can maximize your point-earning potential both at home and while traveling.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Frugal Traveler

Credit Card Swipe Fees Are Going Down. Are Points Going With Them?

A new agreement by Visa and Mastercard to reduce fees charged to merchants may drain the lucrative rewards that grant free travel to many credit card users.

By Elaine Glusac

Elaine Glusac is the Frugal Traveler columnist, focusing on budget-friendly tips and journeys.

On Tuesday, the largest credit card companies in the United States reached an agreement with merchants to reduce the so-called swipe fees retailers pay for accepting credit card payments, potentially saving the retailers $30 billion.

These fees also help fund the credit card rewards programs that many travelers redeem for things like free flights and hotel stays, leading points hawks to wonder: Are loyalty programs at risk?

Here’s what we know so far about the changes.

What are the terms of the deal?

Last year, credit card payments generated an estimated $72 billion in fees paid by merchants, which are generally passed along to customers in the form of higher prices. For nearly 20 years, merchants have been seeking reductions in the fees they pay Visa and Mastercard for handling transactions where the cards are used.

The proposed settlement , awaiting approval in a federal court, reduces and caps those fees for five years. It would also allow merchants to potentially charge consumers more based on the card they pay with. For example, a person paying with a premium card like the Chase Sapphire Reserve, which costs $550 a year, could be charged more than someone paying with the more basic Chase Sapphire Preferred card, with an annual fee of $95.

Why does it matter?

The majority of the fees collected go back to the banks that issue the credit cards. Those banks have used the funds to push premium credit cards that offer loyalty points, which can be redeemed for free travel and other perks. The cards with the biggest benefits tend to be those that charge higher swipe fees.

While the reduction in the fees collected sounds small — averaging at least .07 percent — they represent an estimated $30 billion over the five-year term of the deal, which banks could try to make up by reducing points perks.

“It’s reasonable to think that,” said Brian Kelly, the founder of the Points Guy , a news site devoted to maximizing credit card points.

While he speculated that banks will be able to “find other ways to make up the difference,” he acknowledged that a points squeeze could emerge.

“Opportunities to earn probably aren’t going to flourish,” he said.

The idea that merchants could charge more to the holders of premium, perks-rich cards, which are expensive, might also deter consumers from using them. Some experts question the viability of the practice given the potential for consumer backlash.

Is the new agreement related to the Credit Card Competition Act?

The legal actions that led to the new credit card agreement date back to 2005. But the newer Credit Card Competition Act , proposed in 2023, aims to introduce more competition in the credit card payment system. By creating a cheaper alternative pipeline for processing payments, the proposed legislation is seen as a greater threat to rewards programs.

Responding to the just-announced agreement between the credit card companies and retailers, Senator Dick Durbin, Democrat of Illinois, and the lead sponsor of the Credit Card Competition Act, released a statement urging the act’s passage.

“I fear that this deal only provides temporary concessions negotiated by a few lawyers behind closed doors,” he said in the statement.

Other experts said the agreement may ease the pressure on Congress to pass the act.

“I think it’s a way for Visa and Mastercard to show that they are making a good-faith effort to help out merchants by lowering the fees they’ve been complaining about for 20 years, and hopefully enough to let senators know they’re doing their part,” said Chris Hassan, the social media and brand manager for Upgraded Points , a website that tracks credit card benefits.

Separately, the proposed merger between Capital One and Discover, which is pending federal approval, could introduce more competition among credit cards and potentially improve rewards for holders of those cards.

What should I do now?

The points and payments systems won’t change until the agreement is approved, which is expected in late 2024 or early 2025, according to a news release from Mastercard.

But the topic should remind travelers of the reality of playing with points: The rules always change. Values tend to fall as redemption levels rise, which companies issuing these currencies are free to adjust at will.

If you have points, spend them, say experts like Sara Rathner, a travel and credit card specialist at the financial website NerdWallet . “They’re not a trophy to dust and admire.”

Follow New York Times Travel on Instagram and sign up for our weekly Travel Dispatch newsletter to get expert tips on traveling smarter and inspiration for your next vacation. Dreaming up a future getaway or just armchair traveling? Check out our 52 Places to Go in 2024 .

Open Up Your World

Considering a trip, or just some armchair traveling here are some ideas..

Italy :  Spend 36 hours in Florence , seeking out its lesser-known pockets.

Southern California :  Skip the freeways to explore the back roads between Los Angeles and Los Olivos , a 100-mile route that meanders through mountains, canyons and star-studded enclaves.

Mongolia : Some young people, searching for less curated travel experiences, are flocking to the open spaces of this East Asian nation .

Romania :  Timisoara  may be the most noteworthy city you’ve probably never heard of , offering just enough for visitors to fill two or three days.

India: A writer fulfilled a lifelong dream of visiting Darjeeling, in the Himalayan foothills , taking in the tea gardens and riding a train through the hills.

52 Places:  Why do we travel? For food, culture, adventure, natural beauty? Our 2024 list has all those elements, and more .