Award System

Capital One Miles

Capital One Miles »

Bank

Capital One

Bank Details »

Reconsideration Phone
800.867.0904

Breaking Points

Bonus Points Minimum Spend Point Value Annual Value Annual Fee 1st Year Value
50,000 $4,500 1.1 ¢ $25 $0 $625
Best Value Differentiating Perks Rules
Wyndham transfers 2x Miles on every purchase, erase travel purchases, primary car insurance. No CR , 5/24
Most Recent Special Offer: 200,000 Bonus Points for $50,000 spend ended Jan 2020
Card Type: Business

Spend Categories

All Other + »

2X points
2.2¢ Per Dollar Spent

Hotels - »

5X points
5.5¢ Per Dollar Spent

Travel - »

5X points
5.5¢ Per Dollar Spent

Card Benefits

TSA Pre Check »
Get up to $120 statement credit for Global Entry, or TSA PreCheck.
Car Rental Insurance »
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Roadside Assistance »
Call 1-800-847-2869; a flat $69.95 charge for towing up to 5 miles, tire changing, jump starting, locksmith service, fuel delivery and standard winching; cardholder will be charged for any additional services or goods provided.
Purchase Protection »
You're covered on items lost or stolen within 90 days, up to $10,000 per claim, and $50,000 per cardholder.
Extended Warranty »
You can double the warranty up to 1 additional year on eligible purchases with warranties of 3 years or less.
Price Protection »
If you find a lower price within 120 days of purchase, you can be reimbursed for the difference.

Point Transfer Options

Transfer To Spouse/Partner Yes

Transfer To Friends Yes

Travel Partner Transfers

Capital One Miles Outside Point System

Transfers Out To
Point Transfer Options
Air Canada Aeroplan

1:1 109% value retained

Point Transfer Options
Avianca LifeMiles

1:1 136% value retained

Point Transfer Options
British Airway Executive Avios

1:1 91% value retained

Point Transfer Options
Cash in Cents

1:1 91% value retained

Point Transfer Options
Cathay Pacific

2:1.5 75% value retained

Point Transfer Options
Etihad Guest

1:1 109% value retained

Point Transfer Options
Flying Blue and Air France

1:1 109% value retained

Point Transfer Options
Qantas Frequent Flyer

1:1 118% value retained

Point Transfer Options
Singapore KrisFlyer

1:1 118% value retained

Point Transfer Options
Turkish Airways

1:1 109% value retained

Point Transfer Options
Virgin Atlantic Flying Club

1:1 136% value retained

Point Transfer Options
Wyndham Rewards

1:1 91% value retained

Why You Might Want This Card

Potential 300,000 Point Bonus

The sign-up bonus is an uninspiring 50,000 points after requiring a hefty $4,500 spend in the first 3 months. But if you want to swing for the fences, you can get a 200,000 point bonus by spending $50,000 in the first 6 months (it's a special offer that comes around annually). This isn't attractive to most people. But for people with big business spends, this can be a good option. When combined with the 2x miles, you'll earn 300,000 points total, meaning you'll earn 6 cents plus back on spends in virtually every category. On the other hand, if your goal is to keep earning, this card will make that happen. Earn unlimited 2x miles per $1 on every purchase. If you book hotels or travel, you'll get 5x points. That's a nice boost to your point total. Once you're ready to redeem your points, you have two choices: You can either "erase" a travel purchase at 1 cent per point, or transfer to one of their numerous airline partners to book your travel.

Check out our Capital One Miles page for more details on how to best use Capital One Points.

Bottom Line

If you're stuck in 5/24 purgatory, but you have some sizable business spends coming up -- this might be a solid no-hassle business card for you. You don't have to keep track of much, but you'll have to wait on the 200,000 point bonus special offer. The 50,000 point sign-up bonus might be attractive enough for smaller spenders due to Capital One Miles flexibility.


Application Rules

This business card will not show on your personal credit report, so it won't count against your 5/24 status

Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months

Best for Series

Below is a snapshot of where this card performs best compared to the other cards in our database:

Breaking Points

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