The attract of travel rewards cards makes it straightforward to overlook that there are tons of fine causes to additionally maintain a cash-back card in your wallet. Money-back playing cards typically have a easy incomes and redeeming construction, and you’ll’t beat the pliability of money rewards.
You probably have a card that earns Capital One miles, think about including a Capital One cash-back card to your pockets. With the suitable card pairing, you’ll be able to flip your Capital One cash-back rewards into transferable miles, making them much more useful.
Here is what you could know to totally maximize your Capital One rewards.
Which Capital One cash-back playing cards can convert to miles?
To transform Capital One money again to miles, you will want to carry each a Capital One cash-back card and a miles-earning card. That manner, you’ll be able to mix your rewards so your money again turns into totally transferable Capital One miles.
To be eligible to show your money again into miles, you will want considered one of these miles-earning playing cards:
| Card | Welcome supply | Incomes charges | Annual price |
|---|---|---|---|
| Capital One Venture X Rewards Credit Card | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
|
$395 |
| Capital One Venture X Business | Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. |
|
$395 |
| Capital One Venture Rewards Credit Card | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
|
$95 |
| Capital One VentureOne Rewards Credit Card | Earn 20,000 bonus miles after spending $500 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Spark Miles for Business | Earn 50,000 miles after spending $4,500 on purchases inside the first three months from account opening. |
|
$0 introductory annual price for first yr, then $95 |
Then, if in case you have one of many playing cards listed above, you’ll be able to flip cash-back rewards from any of the next playing cards into miles at a 1:1 ratio:
| Card | Welcome supply | Incomes charges | Annual price |
|---|---|---|---|
| Capital One Savor Cash Rewards Credit Card | Earn $200 money again after spending $500 on purchases inside three months from account opening. |
|
$0 |
| Capital One Savor Student Cash Rewards Credit Card | Earn $100 money again after spending $300 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Quicksilver Cash Rewards Credit Card | Earn a one-time $200 money bonus after spending $500 on purchases inside three months from account opening. |
|
$0 |
| Capital One QuicksilverOne Cash Rewards Credit Card | N/A. |
|
$39 |
| Capital One Quicksilver Student Cash Rewards Credit Card | Earn $100 after spending $300 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Quicksilver Secured Cash Rewards Credit Card | N/A. |
|
$0 |
| Capital One Spark Cash Plus | Earn $2,000 money again after spending $30,000 on purchases within the first three months from account opening. Plus, earn a further $2,000 money bonus for each $500,000 spent in the course of the first yr. |
|
$150 |
| Capital One Spark Cash Select | Earn $500 money again after spending $4,500 on purchases inside the first three months from account opening. |
|
$0 |
With a card from every record, you’ll be able to mix your rewards at a price of 1 cent of money again to at least one Capital One mile, which TPG’s July 2025 valuations peg at 1.85 cents apiece. That is due to the flexibility to switch to Capital One’s full vary of 15-plus hotel and airline partners.
It is necessary to notice that when you can flip your cash-back rewards into miles, Capital One doesn’t provide the choice to switch your miles to money again on the identical price.
Associated: Cashing in Capital One miles? How to get the maximum value when redeeming miles
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convert money again to miles
Comply with these steps to transform your money again to miles:
- Log in to your Capital One account and navigate to “View Rewards.”
- Choose the cardboard you wish to convert money again to miles from.
- Scroll down till you see the “Mix Rewards” part, then choose that.
- Select the cardboard account you wish to ship rewards to.
- Choose how a lot money again you wish to convert, and choose verify.
Associated: Best Capital One credit cards
maximize your Capital One card pairing
Ideally, you wish to pair a fixed-rate earning card with a card that has bonus classes. Since all eligible Capital One miles-earning playing cards earn at a flat price, your only option 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 have got the Capital One Enterprise Rewards card, you earn a strong 2 miles per greenback spent on all of your purchases. In case you even have the Capital One Savor Money card, you’ll be able to earn a powerful 3% again on eating, leisure, well-liked streaming companies and grocery retailer purchases.
The magic of this card pairing is that it permits you to successfully earn 3 miles per greenback spent on these bonus purchases.
Moreover, in order for you extra premium perks like lounge access and an annual $300 Capital One Journey portal credit score, think about pairing the Enterprise X with the Savor Money.
Associated: Better together: The ultimate guide to the best credit card combinations
The most effective Capital One no-annual-fee pair
Among the finest features of this means to show money again into miles is that you are able to do so with out paying any annual fees.
With the Capital One VentureOne Rewards Credit score Card, you will earn 1.25 miles per greenback spent on each buy and have entry to the identical redemption options because the Enterprise Rewards and the Enterprise X for no annual price.
The Capital One Savor Money Rewards Credit score Card presents 3% money again on eating, leisure and well-liked streaming companies and at grocery shops (excluding superstores like Walmart and Goal), plus 1% money again on all different purchases, additionally for no annual price.
So, with this duo, you can primarily earn 3 miles per greenback spent on eating, leisure and streaming companies and at grocery shops — with out paying any annual charges.
Associated: The complete guide to credit card annual fees
Backside line
You probably have a miles-earning Capital One card and a cash-back Capital One card, you’ll be able to maximize the variety of Capital One miles you earn. In doing so, you’ll mix your rewards and unlock the flexibility to switch these rewards to Capital One’s in depth roster of switch companions.
In case you play your playing cards proper, your cash-back card simply may turn into your pockets’s secret rewards weapon.
Associated: The best Capital One credit cards to add to your wallet
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