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Capital One offers an array of personal and business credit cards that cater to various spending habits and reward-earning preferences. Whether you're looking for transferable rewards or straightforward cash back, Capital One cards are worth considering if you're serious about maximizing the return on every dollar you spend.
But when is the right time to apply for a Capital One credit card? And how do you distinguish a good welcome offer from a great one?
Below, we’ll break down the highest-ever welcome offers on several Capital One credit cards and highlight the best times to apply based on past trends. While some of these offers are no longer available, knowing their history can help you recognize a great offer when you see one.
Page Contents
- Best Capital One Card Offers
- Which Capital One Cards Are Offering Best-Ever Offers Now?
- Miles-Earning Capital One Credit Cards
- Cash Back Capital One Credit Cards
- Small Business Capital One Credit Cards That Earn Miles
- Small Business Cash Back Capital One Credit Cards
- Publicly Available vs. Targeted Offers
- Bottom Line
Best Capital One Card Offers
The table below outlines several Capital One cards, showcasing their best-ever offers, spending requirements, and when those offers were available. You'll also see our recommendation on when to apply based on historical trends.
A “best-ever offer” refers to the highest publicly available welcome bonus for a given card. This does not include targeted offers that may be sent via email, direct mail, or other marketing channels.
| Credit Card | Best-Ever Offer | Spend Requirement | When That Offer Happened | When to Apply |
|---|---|---|---|---|
| Capital One Venture X Rewards Credit Card | 100,000 miles | $10,000 in 6 months | November 9, 2021 — March 15, 2022 | Apply for this card when the bonus is 75,000 miles or greater. |
| Capital One Venture Rewards Credit Card | 100,000 miles | $20,000 in 3 months | March 31, 2021 — July 19, 2021 | Apply for this card when the bonus is 75,000 miles or greater. |
| Capital One VentureOne Rewards Credit Card | 40,000 miles | $1,000 in 3 months | February 22, 2023 — May 17, 2023 | Apply for this card when the bonus is 20,000 miles or greater. |
| Capital One Quicksilver Cash Rewards Credit Card | $200 | $500 in 3 months | October 20, 2020 — Ongoing | Apply for this card while the current offer is still active. |
| Capital One Savor Cash Rewards Credit Card | $250 | $500 in 3 months | October 22, 2024 — December 9, 2024 | Apply for this card while the current offer is still active. |
| Capital One Venture X Business | 300,000 miles | $100,000 in 6 months | January 24, 2024 — March 12, 2024 | Apply for this card when the offer is over 150,000 miles or when the spending requirement drops under $30,000. |
| Capital One Spark Miles for Business | 200,000 miles | $50,000 in 6 months | October 22, 2019 — January 28, 2020 | Apply for this card when the bonus is 50,000 miles or greater. |
| Capital One Spark Cash Plus | $3,000 | $50,000 in 6 months | January 25, 2022 — January 23, 2024 | Apply for this card when the bonus is at least $2,000 cash back with a spending requirement you can meet. |
| Capital One Spark Cash Select | $750 | $6,000 in 3 months | November 14, 2023 — September 10, 2024 | Apply for this card while the current offer is still active. |
| Capital One Spark Cash | $2,000 | $50,000 in 6 months | October 22, 2019 — January 27, 2020 | Apply for this card when the bonus is at least $750 cash. |
Before we dive in, it's important to note that Capital One has some of the strictest credit card application restrictions in the industry. Before applying for any of the cards listed, be sure you fully understand these restrictions and the best practices for maximizing your chances of approval.
Related: Best Capital One Credit Cards for Every Purchase
Which Capital One Cards Are Offering Best-Ever Offers Now?
Currently, just one Capital One card is offering a best-ever offer: The Capital One Quicksilver is offering a best-ever $200 cash back after you spend $500 on purchases within 3 months from account opening.
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- No foreign transaction fees
- $0 annual fee
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase, every day
However, there's a solid argument that the current Capital One Venture is the best-ever offer on the card. While Capital One has offered as much as 100,000 bonus miles, that bonus required a whopping $20,000 in spending in three months to earn. In comparison, the current offer seems pretty appealing:
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Miles-Earning Capital One Credit Cards
Capital One miles are a versatile currency that can be transferred to 19 airline and hotel partners. Here’s a look at three personal Capital One cards that earn transferable rewards and their offer histories.
Capital One Venture X Rewards Credit Card
Capital One's flagship travel card, the Capital One Venture X Rewards Credit Card, offers premium perks, including airport lounge access, an annual $300 travel credit, and several other perks.
- Best-Ever Offer: 100,000 miles after spending $10,000 in six months (November 2021 — March 2022)
- Current Offer: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
- Welcome Offer Range: 75,000–100,000 miles
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
Offer history for the Capital One Venture X
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| March 16, 2022 | Ongoing | 75,000 | $4,000 | 3 |
| November 9, 2021 | March 15, 2022 | 100,000 | $10,000 | 6 |
Related: Capital One Venture X Card Full Review
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is a well-rounded travel rewards card that earns lots of Capital One miles in exchange for a modest annual fee.
- Best-Ever Offer: 100,000 miles after spending $20,000 in three months (March 2021 – July 2021)
- Current Offer: 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
- Welcome Offer Range: 50,000–100,000 miles
- Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles on all other purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Offer history for the Capital One Venture
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) | Welcome Offer Perks |
|---|---|---|---|---|---|
| May 13, 2025 | Ongoing | 75,000 | $4,000 | 3 | None. |
| February 18, 2025 | May 12, 2025 | 75,000 | $4,000 | 3 | In addition to the 75,000 points, enjoy $250 to use on Capital One Travel in your first cardholder year. |
| September 10, 2024 | February 17, 2025 | 75,000 | $4,000 | 3 | None. |
| July 16, 2024 | September 10, 2024 | 75,000 | $4,000 | 3 | In addition to the 75,000 points, enjoy $250 to use on Capital One Travel in your first cardholder year. |
| May 18, 2022 | July 15, 2024 | 75,000 | $4,000 | 3 | None |
| July 20, 2021 | May 18, 2022 | 60,000 | $3,000 | 3 | None |
| March 31, 2021 | July 19, 2021 | 100,000 | $20,000 | 3 | Earn 50,000 miles after spending $3,000, then another 50,000 after spending a total of $20,000. |
| December 15, 2020 | March 31, 2021 | 60,000 | $3,000 | 3 | None |
| September 22, 2020 | December 15, 2020 | 100,000 | $20,000 | 3 | Earn 50,000 miles after spending $3,000, then another 50,000 after spending a total of $20,000. |
| Unknown | September 22, 2020 | 50,000 | $3,000 | 3 | None |
Related: Capital One Venture Card Full Review
Capital One VentureOne Rewards Credit Card
The Capital One VentureOne Rewards Credit Card is a solid no-annual-fee card that earns Capital One miles. It's light on perks, but consistently offers attainable welcome offers.
- Best-Ever Offer: 40,000 miles after spending $1,000 in three months (February 2023 — May 2023)
- Current Offer: 20,000 miles once you spend $500 on purchases within 3 months from account opening
- Welcome Offer Range: 20,000–40,000 miles
- Earn 20,000 Miles once you spend $500 on purchases within 3 months from account opening; worth $200 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 1.25 Miles on every purchase
- 0% intro APR on purchases for 15 months; 19.24% - 29.24% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 1.25 Miles per dollar on every purchase, every day.
Offer history for the Capital One VentureOne
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| May 17, 2023 | Ongoing | 20,000 | $500 | 3 |
| February 22, 2023 | May 17, 2023 | 40,000 | $1,000 | 3 |
| November 18, 2020 | February 22, 2023 | 20,000 | $500 | 3 |
| Unknown | November 18, 2020 | 20,000 | $1,000 | 3 |
Related: Capital One VentureOne Card Full Review
Cash Back Capital One Credit Cards
Capital One also offers a handful of personal credit cards that earn cash back. For those who want to put a little extra back in their wallet, here's a look at the offer history on three formidable cash-back earning cards:
Related: How To Convert Capital One Cash Back to Miles for Transfer Partners
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a simple, flat-rate cash-back card that is a great option for everyday spending.
- Best-Ever Offer: $200 after spending $500 in three months (October 2020 — Ongoing)
- Current Offer: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Welcome Offer Range: $150–$200
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- 1.5% cash back on every purchase, every day
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- No foreign transaction fees
- $0 annual fee
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 5% cash back on purchases through Capital One Entertainment (through 12/31/2025)
- 1.5% cash back on every purchase, every day
Offer history for the Capital One Quicksilver
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| October 20, 2020 | Ongoing | $200 | $500 | 3 |
| Unknown | October 20, 2020 | $150 | $500 | 3 |
Related: Capital One Quicksilver Card Full Review
Capital One Savor Cash Rewards Credit Card
The is a lucrative no-annual-fee card if some of your most-used spending categories include dining, groceries, and entertainment.
- Best-Ever Offer: $250 after spending $500 in three months (October 2024 — December 2024)
- Current Offer: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- Welcome Offer Range: $200–$250
- $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% on all other purchases
- No foreign transaction fees
- $0 annual fee
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
Offer history for the Capital One Savor Cash
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| December 10, 2024 | Ongoing | $200 | $500 | 3 |
| October 22, 2024 | December 9, 2024 | $250 | $500 | 3 |
| August 17, 2023 | October 21, 2024 | $200 | $500 | 3 |
| May 17, 2023 | August 17, 2023 | $200 | $1,000 | 3 |
| October 20, 2020 | May 17, 2023 | $200 | $500 | 3 |
| Unknown | October 20, 2020 | $150 | $500 | 3 |
Related: Capital One Savor Cash Card Full Review
Small Business Capital One Credit Cards That Earn Miles
If you run a small business or just have a side hustle, Capital One offers two cards that occasionally run high-flying welcome bonuses denominated in miles. Here's a look at the offer history on two cards that can easily make business spending handsomely rewarding.
Capital One Venture X Business
Much like the personal variant, the Capital One Venture X Business offers valuable travel perks like lounge access and useful earning structure for business expenses.
- Best-Ever Offer: 300,000 miles after spending $100,000 in six months (January 2024 — March 2024)
- Current Offer: Earn 150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
- Welcome Offer Range: 150,000–300,000 miles
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per $1 on flights booked via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
Offer history for the Venture X Business
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) | Welcome Offer Perks |
|---|---|---|---|---|---|
| March 12, 2024 | Ongoing | 150,000 | $30,000 | 3 | None |
| January 24, 2024 | March 12, 2024 | 300,000 | $100,000 | 6 | Earn 150,000 bonus miles after spending $20,000 on purchases in the first 3 months and an additional 150,000 bonus miles after spending a total of $100,000 on purchases within 6 months. |
| September 12, 2023 | January 24, 2024 | 150,000 | $30,000 | 3 | None |
Related: Venture X Business Card Full Review
Capital One Spark Miles for Business
The Capital One Spark Miles for Business is a nifty business card that earns Capital One miles without all the bells and whistles of a premium travel card. And with that, it carries a reasonable annual fee.
- Best-Ever Offer: 200,000 miles after spending $50,000 in six months (October 2019 — January 2020)
- Current Offer: Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within 3 months from account opening
- Welcome Offer Range: 50,000–200,000 miles
- Earn 50,000 bonus miles once you spend $4,500 on purchases within 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles per $1 on every purchase, everywhere
- Fee credit for Global Entry or TSA Pre✔® (up to $120)
- No foreign transaction fees
- $0 introductory fee for the first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Offer history for the Spark Miles
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| January 25, 2021 | Ongoing | 50,000 | $4,500 | 3 |
| January 28, 2020 | January 25, 2021 | 50,000 | $4,500 | 3 |
| October 22, 2019 | January 28, 2020 | 200,000 | $50,000 | 6 |
| January 29, 2019 | October 21, 2019 | 50,000 | $4,500 | 3 |
| November 13, 2018 | January 28, 2019 | 200,000 | $50,000 | 6 |
Related: Spark Miles Card Full Review
Small Business Cash Back Capital One Credit Cards
Capital One also offers a few products tailored to businesses that want to earn cash back. Here's the offer history on two products that have a history of offers worth paying attention to.
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is a powerful earner for businesses that want to earn a lot of cash back on spending. Even better, the card has a $150 annual fee that is refundable after spending $150,000 in a calendar year.
- Best-Ever Offer: $3,000 after spending $50,000 in six months (January 2022 — January 2024)
- Current Offer: $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
- Welcome Offer Range: $1,000–$3,000
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site.
Offer history for the Spark Cash Plus
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) | Welcome Offer Perks |
|---|---|---|---|---|---|
| August 13, 2024 | Ongoing | $2,000 | $30,000 | 3 | Earn $2,000 after spending a total of $30,000 in the first 3 months, then another $2,000 for every $500,000 spent during the first 12 months. |
| March 12, 2024 | August 12, 2024 | $1,200 | $30,000 | 3 | Earn $1,200 after spending a total of $30,000 in the first 3 months. |
| January 23, 2024 | March 12, 2024 | $3,000 | $100,000 | 6 | Earn $1,500 after spending $2,000 in the first 3 months, then another $1,500 after spending a total of $100,000 in the first 6 months. |
| January 25, 2022 | January 23, 2024 | $3,000 | $50,000 | 6 | Earn $500 after spending $5,000 in the first 3 months, then another $2,500 after spending a total of $50,000 in the first 6 months. |
| August 18, 2021 | January 25, 2022 | $1,000 | $50,000 | 6 | Earn $500 after spending $5,000 in the first 3 months, then another $500 after spending a total of $50,000 in the first 6 months. |
Related: Spark Cash Plus Card Full Review
Capital One Spark Cash
The Capital One Spark Cash is a solid business card that earns 2% back on every purchase and 5% back on hotels and rental cars booked through Capital One Travel.
- Best-Ever Offer: $2,000 after spending $50,000 in six months (October 2019 — January 2020)
- Current Offer: Earn $750 Cash Back once you spend $7,500 in the first 3 months from account opening
- Welcome Offer Range: $500–$2,000
- 2% cash back for your business on every purchase, everywhere
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site.
Offer history for the Spark Cash
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| November 13, 2024 | Ongoing | $750 | $7,500 | 3 |
| January 24, 2021 | November 13, 2024 | $500 | $4,500 | 3 |
| January 27, 2020 | January 24, 2021 | $500 | $4,500 | 3 |
| October 22, 2019 | January 27, 2020 | $2,000 | $50,000 | 6 |
| January 28, 2019 | October 22, 2019 | $500 | $4,500 | 3 |
| November 13, 2018 | January 28, 2019 | $2,000 | $50,000 | 6 |
Capital One Spark Cash Select
The Capital One Spark Cash Select is somewhat similar to the Capital One Spark Cash, but one of the main differences is that the Spark Cash Select has a lower annual fee.
- Best-Ever Offer: $750 after spending $6,000 in three months (November 2023 — September 2024)
- Current Offer: $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- Welcome Offer Range: $200–$750
- $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
- $0 annual fee
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Travel
Offer history for the Spark Cash Select
| Start Date | End Date | Welcome Offer | Spend Requirement | Spend Timeframe (Months) |
|---|---|---|---|---|
| September 10, 2024 | Ongoing | $500 | $4,500 | 3 |
| November 14, 2023 | September 10, 2024 | $750 | $6,000 | 3 |
| July 20, 2021 | November 14, 2023 | $500 | $4,500 | 3 |
| January 25, 2021 | July 20, 2021 | $200 | $3,000 | 3 |
| January 28, 2020 | January 25, 2021 | $200 | $3,000 | 3 |
Related: Spark Cash Select Card Full Review
Publicly Available vs. Targeted Offers
The offers listed above are the highest publicly available offers for these Capital One cards, but targeted offers, such as those sent via mail, email, or even displayed in unexpected places like airport banners, can sometimes be even better.
Keep an eye out for these elevated offers and take advantage of them when they appear.
Related: How To Get Targeted Credit Card Offers
Bottom Line
Before applying for a Capital One credit card, it’s necessary to evaluate the welcome offer in front of you in the context of past offers. Knowing what a strong offer looks like can help you decide whether to apply now or wait for something better.
Related: The Best Small-Business Credit Card Offers Right Now
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