Capital One offers a more narrow band of cards that earn transferable points when compared to its competitors in American Express, Chase, and Citi. So, when deciding which are the best Capital One credit cards, you’re options are fairly limited. However, Capital One offers valuable airline and hotel transfer partners making it relatively easy to receive high value when redeeming Capital One miles for travel.
The Capital One transfer partners include 16 airlines and 3 hotels. Transfer ratios amongst these partners vary between 1:1, 2:1.5, and 2:1. Of the 1:1 transfer ratio partners, the ones that have the potential to offer the highest value are Avianca LifeMiles, Cathay Pacific Asia Miles, and Etihad Guest. With that context, let’s dive into the best Capital One credit card to help you earn valuable Capital One miles.
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Best Capital One Credit Cards
Capital One Venture Card
The Capital One Venture Card earns 2x miles on all transactions. This makes the card one of the most lucrative Capital One cards to use for everyday spending. New cardmembers earn 60,000 bonus miles after spending $3,000 within the first three months of account opening. Separately, the Capital One Venture Card has a $95 annual fee, does not charge foreign transaction fees, and offers access to Premier Culinary Experiences. Lastly, you have the ability to erase purchases on your account using miles with the purchase eraser feature.
Capital One VentureOne Card
The Capital One VentureOne card earns 1.25x miles on all transactions and earns 20,000 bonus miles after spending $500 in the first three months of account opening. Cardmembers pay a $0 annual fee and no foreign transaction fees. You also receive access to Premier Culinary Experiences. Lastly, cardmembers can use miles to erase charges using the purchase eraser feature.
Best Capital One Credit Cards (Business)
Capital One Spark Business Card
With the Capital One Spark Business Card, you earn 50,000 bonus miles after spending $4,500 in the first three months of account opening. Cardmembers also receive a $100 credit for Global Entry or TSA Pre✓. This $0 annual fee card earns 2x miles on every purchase.
Capital One Spark Miles Select Business
New Capital One Spark Select Business cardmembers earn 20,000 bonus miles after spending $3,000 in the first three months of account opening. This $0 annual fee card earns 1.5x miles on every purchase. Cardmembers receive a $100 credit for Global Entry or TSA Pre✓. There are no foreign transaction fees and you can use miles to erase charges on your account.
Conclusion on the Capital One Credit Cards
The Capital One Venture Card and Capital One Spark Business Card have the highest earn rates on everyday purchases. These cards also currently offer higher bonus miles after meeting the minimum spending requirements. However, the Capital One VentureOne Card and Capital One Spark Miles Select Business have a $0 annual fee. So, these cards can make sense if you’re trying to keep your annual fees to a minimum.
Which Capital One credit cards do you recommend? What benefits do you look for most in a credit card? Please let me know in the comments or by sending me an email on my contact page.
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