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Capital One Miles are some of the most flexible points out there. Want to transfer to travel partners? Go for it. Want to request a statement credit for travel purchases? It takes just a few clicks. Want to use them to book travel in the Portal? Easy peasy. Capital One Miles are arguably the simplest points to earn, with basic earning structures for each card and no bonus categories. You know exactly what you're earning with every purchase. Let's look at all the cards that earn miles and review your options for putting them to good use.
Personal Cards That Earn Capital One Miles
Capital One has three personal credit cards that earn miles, each with varying fees and benefits attached to the cards.
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit CardAnnual Fee$0New Cardmember Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account openingThe only no-annual-fee personal card to earn transferable Capital One miles, the Capital One VentureOne earns a solid 1.25X miles per dollar on every purchase.- 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; 19.99% - 29.99% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
- 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; 19.99% - 29.99% variable APR after that
- No foreign transaction fees
- $0 annual fee
- 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels and rental cars booked through Capital One Travel.
The Capital One VentureOne is a simple card with no annual fee. It earns 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels and rental cars booked through Capital One Travel. Additionally, new applicants can earn a welcome bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening.
Pros:
- $0 annual fee
- No foreign-transaction fee
- 20,000 miles sign-up bonus
- Has regular offers for introductory APR
- Transfer miles to travel partners
Cons:
- 1.25X earning rate on everyday purchases is low
Related: Our full review of the Capital One VentureOne
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit CardAnnual Fee$95Welcome Offer
Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.Following the revamp of Capital One's rewards program and the addition of airline transfer partners, the Capital One Venture has catapulted into our list of top travel rewards cards. The ability to earn 2X miles on every purchase provides a decent return on spending. Plus the card offers some great perks.- Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening; worth $750 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles on every purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $100)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on hotels and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
- Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening; worth $750 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 2 Miles on every purchase
- Fee credit for Global Entry or TSA Pre✔® (up to $100)
- No foreign transaction fees
- $95 annual fee
- 5X miles per dollar on hotels and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
The Capital One Venture card is the big sibling of the Capital One VentureOne. With a $95 annual fee and a few more benefits to go with it, it's a great card for travelers who want to get more bang for their buck without having to worry about specific spending categories. The card sports a welcome bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. You will earn 2 miles per dollar on every purchase, every day, and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
Pros:
- Two lounge passes per year, valid at Capital One or Plaza Premium Lounges
- No foreign transaction fees
- TSA PreCheck or Global Entry statement credit
- Transfer miles to travel partners
Cons:
- $95 annual fee
Related: Our full review of the Capital One Venture
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit CardAnnual Fee$395Welcome Bonus Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
- 2 miles per dollar on all eligible purchases
- 5 miles per dollar on flights when booking via Capital One Travel
- 10 miles per dollar on hotels and rental cars when booking via Capital One Travel
- 2 miles per dollar on all eligible purchases
- 5 miles per dollar on flights when booking via Capital One Travel
- 10 miles per dollar on hotels and rental cars when booking via Capital One Travel
The Capital One Venture X is the biggest sibling in the Venture card family. It has a whopping $395 annual fee, though that is still the lowest annual fee of all premium credit cards on the market. The welcome bonus provides 75,000 miles when you spend $4,000 on purchases in the first 3 months from account opening. The card earns 2 miles per dollar on every purchase, every day, plus 10 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on flights booked through Capital One Travel.
Pros:
- $300 annual travel credit
- TSA PreCheck or Global Entry statement credit
- 10,000 anniversary bonus miles
- Access to Capital One Lounges, Plaza Premium Lounges, and Priority Pass locations
- No foreign transaction fees
- Transfer miles to travel partners
Cons:
- $395 annual fee
- Bonus categories only apply to purchases in the travel portal
Related: Our full review of the Capital One Venture X
Because they tend to offer similar welcome bonuses and a few overlapping benefits, the Capital One Venture X and Capital One Venture are consistently in competition with each other. One has more benefits and a higher annual fee, while the other has fewer benefits and a lower annual fee. If you're trying to decide which is the best fit for you, read our article comparing the two. It's sure to help you decide.
Business Cards That Earn Capital One Miles
Capital One Spark Miles Select for Business
Capital One Spark Miles Select for BusinessAnnual Fee$0Welcome Offer
Earn 50,000 Miles once you spend $4,500 on purchases within the first 3 months from account openingA no-nonsense business rewards card earning 1.5x Miles per dollar on all business expenses, with no annual fee.- Earn 50,000 Miles Miles once you spend $4,500 on purchases within the first 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 1.5 Miles per $1 on every purchase
- No foreign transaction fees
- $0 annual fee
- 1.5 Miles per $1 on every purchase.
- Earn 50,000 Miles Miles once you spend $4,500 on purchases within the first 3 months from account opening; worth $500 in travel if redeemed for a fixed-value, or potentially much more when transferred to airline partners
- 1.5 Miles per $1 on every purchase
- No foreign transaction fees
- $0 annual fee
- 1.5 Miles per $1 on every purchase.
The Spark Miles Select card is a simple, entry-level business card with a $0 annual fee and a sign-up bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening. Like all of the Capital One personal cards that earn miles, there is a simple earning structure with no additional bonus categories. The card earns 1.5x on everyday purchases, plus 5x on hotels and rental cars booked through Capital One Travel.
Pros:
- No annual fee
- Transfer miles to travel partners
- Introductory APR offer
Cons:
- No travel benefits
- Welcome bonuses tend to be small compared to the spending required
Capital One Spark Miles for Business
Capital One Spark Miles for BusinessAnnual Fee$0 intro for first year; $95 after thatWelcome 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 openingThe Capital One Spark Miles for Business is one of just a handful of business rewards cards offering at least a 2% return on business expenses (issued as 2x Miles). Your rewards never expire as long as your account is open and in good standing.- 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 $100)
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles on hotels and rental cars booked through Capital One Travel
- 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 $100)
- No foreign transaction fees
- $0 intro for first year; $95 after that
- 2X miles per dollar on every purchase, everywhere, no limits or category restrictions
- 5X miles on hotels and rental cars booked through Capital One Travel
The Spark Miles card is a quality all-around option for business owners who want a good return on their spending and don't want to think much about it. The card has a sign-up bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening. Earn 2X miles on every purchase and 5X miles on hotels and rental cars booked through Capital One Travel.
Pros:
- No annual fee for the first year
- TSA PreCheck or Global Entry Statement credit
- Two Capital One Lounge passes per year
- Transfer points to travel partners
- No foreign transaction fees
Cons:
- $95 annual fee after the first year
Related: Our full review of the Spark Miles Card
Capital One Venture X Business
Capital One Venture X BusinessAnnual Fee$395Welcome Bonus
150,000 Miles once you spend $30,000 in the first 3 months from account opening.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on flights booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on flights booked via Capital One Travel
- 2X miles per $1 on other eligible purchases
The Capital One Venture X Business recently became available to the general public after a long wait. The welcome bonus is a gigantic 150,000 Miles miles once you spend $30,000 in the first 3 months from account opening.. This is out of reach for many small businesses, but it's extremely valuable for any business owner who can earn it.
Pros:
- $300 annual travel credit
- TSA PreCheck or Global Entry statement credit
- 10,000 anniversary bonus miles
- Lounge access to Capital One Lounges and Priority Pass lounges
- Access to non-lounge Priority Pass spaces, such as restaurants, spas, and sleep pods
- No foreign transaction fees
- No preset spending limit
- Transfer miles to travel partners
Cons:
- Huge minimum spending requirement to earn the welcome bonus
- $395 annual fee
- Bonus categories only apply to travel bookings in the portal
Capital One Card Application Rules
It's worth noting that Capital One can be a bit picky about card approvals. You will not be approved for more than one card in six months, whether it's a personal or business card. Additionally, you cannot hold more than two personal Capital One cards at a time. Further, most Capital One business cards report to your personal credit report. Make sure you're well acquainted with Capital One's application rules before applying for a new card. There's no use applying for a card only to be denied because you were ineligible in the first place.
Other Ways To Earn Capital One Miles
The only other way to earn Capital One Miles is by referring a friend to a card that you currently hold. The referral bonus depends on the card you have and ranges from 10,000 to 25,000 miles.
It's also possible to share Capital One miles with anyone. You don't need to add that person as an authorized user on one of your cards.
Ways To Redeem Capital One Miles
There are quite a few ways to redeem Capital One miles, and you can maximize their value by choosing how to spend them.
First, you can use them as a credit against recent travel purchases. This is similar to using them for cash back, except you're using them as a credit toward travel purchases made within the last 90 days.
Second, use your miles to book travel through Capital One Travel. You can search flights, hotels, and rental cars, then use miles to book. However, we don't recommend redeeming miles in the portal because you lose the opportunity to earn miles on your purchase. For example, Capital One Venture X cardholders lose out on 10x miles they could earn on hotels and rental cars booked in the portal. That's a huge amount. Instead, book travel in the portal using your credit card, then use your miles as a credit against the purchase afterward. This way you're still paying zero out of pocket, but you're earning miles in the process.
Related: Why You Should Never Redeem Capital One Miles Through Capital One Travel
Third, transfer miles to 18 hotel and airline partners. We've collected our thoughts on the four most valuable Capital One partners, so you can learn how to get maximum value out of each point.
Lastly, you can redeem your miles for cash back or gift cards. Unfortunately, you lose out on a lot of the value by doing this; we don't recommend it.
Final Thoughts
Capital One makes earning and redeeming miles very straightforward. There are multiple personal and business card options, each with a set earning rate which makes them easy go-to cards. Choose the level of benefits you prefer and annual fee you're willing to pay, then start watching those miles add up.
Related: The 6 Best Capital One Credit Cards for Every Purchase
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