Methods to convert Capital One money again into miles

It is easy to get caught up within the glamour of journey rewards playing cards and neglect that there are various good causes to maintain a cash-back card in your pockets. Money-back playing cards usually have a easy incomes and redeeming construction, and you may’t beat the flexibleness of money rewards.

And in case you have a card that earns Capital One miles, you’ve another reason so as to add a Capital One cash-back card to your pockets. With the suitable card pairing, you may flip your Capital One cash-back rewards into transferable miles, making them much more worthwhile.

Here is what you’ll want to know to maximise your Capital One earnings.

Which Capital One cash-back playing cards can convert to miles?

If in case you have a Capital One cash-back card in addition to a Capital One card that earns miles, you may mix your rewards in order that your cash-back turns into transferable Captial One miles.

To be eligible to show your cash-back into miles, you will want considered one of these playing cards:

Then, in case you have one of many playing cards listed above, you may flip cash-back rewards from any of those playing cards into miles:

With a card from every listing, you may mix your rewards at a charge of 1 cent of cash-back to 1 Capital One mile, which we worth at 1.85 cents due to the flexibility to switch to Capital One’s full vary of 18 lodge and airline companions.

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Nevertheless, it’s price noting that when you can flip your cash-back rewards into miles, Capital One doesn’t provide the choice to switch your miles to cash-back on the identical charge.

The data for the Capital One Savor has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Associated: Methods to redeem Capital One miles for max worth

Methods to maximize your Capital One card pairing

The power to transform your Capital One money again into miles means it could actually turn out to be rather more worthwhile, particularly with a strategic card pairing.

Ideally, you wish to pair a fixed-rate incomes card with a card that has bonus classes. Since all eligible Capital One miles-earning playing cards earn at a flat charge, the best choice is to pair considered one of them with a card within the Savor household since they earn bonus rewards on spending in particular classes.

If, for instance, you’ve the Capital One Enterprise Rewards Card, you earn a stable 2 miles per greenback on all of your purchases. Should you even have the Capital One Savor card, you may earn a formidable 4% again on eating, leisure, standard streaming companies and grocery retailer purchases.

The magic of this card pairing is that it permits you to successfully earn 4 miles per greenback on these bonus purchases — double what you’d earn with the Enterprise Rewards card alone.

Associated: The most effective bank card pairings

The most effective Capital One no-annual-fee pair

Among the finest facets of this potential to show money again into miles is that you are able to do it with out paying any annual charges.

The Capital One VentureOne Rewards Credit score Card solely earns 1.25 miles per greenback on each buy however affords the identical redemption choices because the Enterprise Rewards for no annual payment (see charges and costs). The Capital One SavorOne Money Rewards Credit score Card affords 3% money again on eating, leisure, standard streaming companies and at grocery shops (excluding superstores like Walmart and Goal), plus 1% on all different purchases, additionally for no annual payment (see charges and costs).

So, with this combo, you may basically earn 3 miles per greenback on eating, leisure and streaming companies and at grocery shops — with out paying any annual charges.

Associated: The SavorOne and VentureOne duo

Backside line

You’ll be able to earn much more Capital One miles in case you maintain a cash-back Capital One card and a card that earns miles. With each, you may mix your rewards and unlock the flexibility to switch your rewards to Capital One’s full vary of lodge and airline switch companions. Should you play your playing cards proper, your cash-back card simply may turn out to be your pockets’s secret incomes weapon.

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Apply right here: Capital One Enterprise X Rewards Credit score Card