For those who’re contemplating making use of for a bank card, you’re most likely questioning whether or not the present sign-up bonus is an efficient one.
Whereas any bonus is good to get, there’s a particular type of heartbreak in pulling the set off for a card — solely to see it supply a profitable bonus the next month.
There’s no straightforward reply to exactly when is the very best time to use for a card, but it surely does assist to know what a card has supplied prior to now to assist decide how good the present supply is.
We’ve rounded up the supply historical past on the preferred playing cards from Capital One and decided our standards for the very best time to use for every card.
Greatest Capital One bank card sign-up bonuses
| Card | Greatest welcome supply we’ve seen | When to use |
|---|---|---|
| Capital One Enterprise Rewards Credit score Card | 100,000 bonus miles while you spend $5,000 on purchases within the first three months from account opening | When the bonus supply is 75,000 miles or greater |
| Capital One Enterprise X Rewards Credit score Card | 100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening | When the bonus supply is 75,000 miles or greater |
| Capital One VentureOne Rewards Credit score Card | 20,000 bonus miles when you spend $500 on purchases inside the first three months from account opening | When the bonus supply is 20,000 miles or greater |
| Capital One Savor Money Rewards Credit score Card | $300 money bonus when you spend $3,000 on purchases inside three months from account opening | When the bonus supply is $300 or greater |
| Capital One SavorOne Money Reward Credit score Card | $200 money bonus after spending $500 on purchases inside the first three months from account opening | When the bonus supply is $200 or greater |
| Capital One Quicksilver Money Rewards Credit score Card | $200 bonus after spending $500 within the first three months from account opening | When the bonus supply is $200 or greater |
| Capital One Spark Miles for Enterprise Credit score Card | As much as 200,000 bonus miles: 50,000 bonus miles after spending $5,000 within the first three months from account opening and one other 150,000 bonus miles after spending $50,000 within the first six months | When the bonus is greater than 50,000 miles |
| Capital One Spark Money Plus Credit score Card | As much as $3,000: $500 after spending $5,000 within the first three months from account opening and $2,500 after spending $50,000 within the first six months | When the bonus is greater than $1,000 |
Capital One Enterprise Rewards Credit score Card
The Capital One Enterprise Rewards Credit score Card earns limitless 2 miles per greenback on each buy, plus 5 miles per greenback on motels and rental vehicles booked by Capital One Journey.
The cardboard’s modest annual charge, easy incomes construction and stable return on on a regular basis spending make it a keeper when you’re permitted for it.
| Approximate date | Supply | Worth* |
|---|---|---|
| June 2023 to now | 80,000-100,000 miles after spending $5,000 on purchases within the first three months (focused supply accessible by QR codes at choose airports)
75,000 miles after spending $4,000 on purchases within the first three months (public supply) |
$1,480-$1,850 (focused supply)
$1,388 (public supply) |
| September 2021 to June 2023 | 75,000 miles after spending $4,000 on purchases within the first three months | $1,388 |
| Could to August 2021 | 60,000 miles after spending $3,000 on purchases within the first three months | $1,110 |
| September 2020 to April 2021 | 50,000 miles if you happen to spend $3,000 on purchases within the first three months from account opening, or 100,000 bonus miles while you spend $20,000 on purchases within the first 12 months from account opening | $925 or $1,850 |
| November 2019 to August 2020 | 50,000 miles after spending $3,000 on purchases within the first three months | $925 |
| March to October 2019 | 60,000 miles after spending $3,000 on purchases within the first three months | $1,110 |
| December 2014 to February 2019 | 40,000 miles after spending $3,000 on purchases within the first three months | $740 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is 75,000 miles or greater.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Join our day by day publication
Capital One Enterprise X Rewards Credit score Card
With plentiful perks which are straightforward to grasp, the Capital One Enterprise X Rewards Credit score Card is sort of a no brainer for all vacationers, starting from luxurious seekers to the extra budget-minded. It launched in November 2021 with a 100,000-mile supply; nonetheless, we don’t see that coming again.
Although the cardboard carries a $395 annual charge, it affords as much as $300 in annual assertion credit towards bookings made by Capital One Journey, and in addition rewards cardholders with 10,000 bonus miles each account anniversary (for much more free journey), plus in depth airport lounge entry, wonderful journey protections and rental automobile privileges.
It affords limitless 10 miles per greenback on motels and rental vehicles booked by Capital One Journey, 5 miles per greenback on flights booked by Capital One Journey and a pair of miles per greenback on each different buy.
| Approximate date | Supply | Worth* |
|---|---|---|
| March 2022 to now | 75,000 miles after spending $4,000 on purchases within the first three months | $1,388 |
| November 2021 to March 2022 | 100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening | $1,850 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is 75,000 miles or greater.
Be taught extra: Capital One Enterprise X Rewards Credit score Card
Capital One VentureOne Rewards Credit score Card
Whereas it comes with fewer perks, the Capital One VentureOne Rewards Credit score Card affords the identical nice redemption choices as its sister playing cards, the Capital One Enterprise Rewards Credit score Card and the Capital One Enterprise X Rewards Credit score Card, with no annual charge.
You’ll earn a flat 1.25 miles per greenback on on a regular basis purchases, which equates to a stable 2.31% return utilizing TPG’s valuations.
| Approximate date | Supply | Worth* |
|---|---|---|
| September 2021 to now | 20,000 miles after spending $500 on purchases inside the first three months from account opening | $370 |
| December 2014 to August 2021 | 20,000 miles after spending $1,000 on purchases inside the first three months from account opening | $370 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is 20,000 miles or greater.
Be taught extra: Capital One VentureOne Rewards Credit score Card
Capital One Savor Money Rewards Credit score Card
The largest downsides to cash-back playing cards are low incomes charges and a scarcity of bonus classes, however that’s undoubtedly not true of the Capital One Savor Money Rewards Credit score Card.
For an annual charge of $95, the Savor affords robust cash-back incomes charges on fashionable and sometimes missed classes, together with 4% again on eating, leisure and fashionable streaming companies.
| Approximate date | Supply | Worth* |
|---|---|---|
| November 2017 to now | $200 money bonus after spending $500 on purchases inside the first three months from account opening | $200 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is $200 or greater.
Be taught extra: Capital One Savor Money Rewards Credit score Card
The data for the Capital One Savor card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Capital One SavorOne Money Rewards Credit score Card
Like its older sibling, the Capital One SavorOne Money Rewards Credit score Card affords spectacular bonus classes however with no annual charge.
The SavorOne launched in 2018 as a model of the Savor card with no annual charge. Whereas it earns barely lower than the Savor, this card nonetheless earns 10% money again on purchases made by Uber and Uber Eats, 8% money again on Capital One Leisure purchases, 5% money again on motels and rental vehicles booked by Capital One Journey, and limitless 3% money again on eating, leisure, fashionable streaming companies and at grocery shops.
| Approximate date | Supply | Worth* |
|---|---|---|
| Could 2023 to now | $200 money bonus after spending $1,000 on purchases inside the first three months from account opening | $200 |
| November 2020 to Could 2023 | $200 money bonus after spending $500 on purchases inside the first three months from account opening | $200 |
| August 2018 to November 2020 | $150 bonus after spending $500 within the first three months from account opening | $150 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is $200 or greater.
Be taught extra: Capital One SavorOne Money Rewards Credit score Card
Capital One Quicksilver Money Rewards Credit score Card
Whereas many different playing cards supply greater incomes potential in particular spending classes, this card affords the protection of figuring out you’ll earn a stable 1.5% again it doesn’t matter what you purchase.
| Approximate date | Supply | Worth* |
|---|---|---|
| September 2019 to now | $200 bonus after spending $500 within the first three months from account opening | $200
|
| September 2017 to September 2019 | $150 bonus after spending $500 within the first three months from account opening | $150 |
| June 2013 to Sept. 2017 | $100 bonus after spending $500 within the first three months from account opening | $100 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is $200 or greater.
Be taught extra: Capital One Quicksilver Money Rewards Credit score Card
Capital One Spark Miles for Enterprise
This card is particularly helpful for small-business house owners who need to earn versatile miles on all their purchases. It earns a constant 2 miles per greenback spent on all purchases and has a $95 annual charge waived for the primary yr of card possession.
| Approximate date | Supply | Worth* |
|---|---|---|
| January 2020 to now | 50,000 bonus miles after spending $4,500 within the first three months from account opening | $925 |
| October 2019 to January 2020 | Earn as much as 200,000 bonus miles: 50,000 after spending $5,000 within the first three months from account opening and one other 150,000 bonus miles after spending $50,000 within the first six months. | As much as $3,700. |
| January to October 2019 | Earn 50,000 bonus miles after spending $4,500 within the first three months from account opening. | $925. |
| November 2018 to January 2019 | Earn as much as 200,000 bonus miles: 50,000 after spending $5,000 within the first three months from account opening and one other 150,000 bonus miles after spending $50,000 within the first six months. | As much as $3,700. |
| Could 2017 to November 2018 | Earn 50,000 bonus miles after spending $4,500 within the first three months from account opening. | $925. |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus is greater than 50,000 miles.
Be taught extra: Capital One Spark Miles for Enterprise
Capital One Spark Money Plus
This card affords one of many highest constant cash-back incomes charges of any card and is superb for small-business house owners who need to earn money again on all purchases. It’s price noting that it is a cost card, that means cardholders should repay their balances in full every month.
| Approximate date | Supply | Worth* |
|---|---|---|
| June 2023 to now | Earn $1,200 money again after spending $30,000 within the first three months from account opening | $1,200 |
| April 2022 to June 2023 | Earn as much as $1,000: $500 after spending $5,000 within the first three months from account opening and $500 after spending $50,000 within the first six months | As much as $1,000 |
| August 2021 to April 2022 | Earn as much as $3,000: $500 after spending $5,000 within the first three months from account opening and $2,500 after spending $50,000 within the first six months | As much as $3,000 |
*Bonus supply worth is predicated on TPG’s valuations and never offered by the bank card issuer.
When to use for this card: When the bonus is greater than $1,000.
Be taught extra: Capital One Spark Money Plus
Backside line
While you’re contemplating making use of for a card — any card — you’ll need to contemplate whether or not its sign-up bonus is traditionally excessive.
Use our supply historical past guides as a reference level as you consider the professionals and cons of signing up for any card:
