The attract of journey rewards playing cards makes it straightforward to neglect that there are tons of excellent causes to additionally maintain a cash-back card in your pockets. Money-back playing cards typically have a easy incomes and redeeming construction, and you’ll’t beat the pliability of money rewards.
If in case you have a card that earns Capital One miles, take into account including a Capital One cash-back card to your pockets. With the best card pairing, you possibly can flip your Capital One cash-back rewards into transferable miles, making them much more beneficial.
This is what you have to know to completely 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 method, you possibly can mix your rewards so your money again turns into absolutely 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 Enterprise X Rewards Credit score Card | Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening. |
|
$395 |
| Capital One Enterprise X Enterprise | Earn 150,000 bonus miles after spending $30,000 on purchases within the first three months from account opening. |
|
$395 |
| Capital One Enterprise Rewards Credit score 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 score 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 Enterprise | Earn 50,000 miles after spending $4,500 on purchases inside the first three months from account opening. |
|
$0 introductory annual price for first 12 months, then $95 |
Then, when you’ve got one of many playing cards listed above, you possibly can 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 Money Rewards Credit score Card | Earn $200 money again after spending $500 on purchases inside three months from account opening. |
|
$0 |
| Capital One Savor Pupil Money Rewards Credit score Card | Earn $100 money again after spending $300 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Quicksilver Money Rewards Credit score Card | Earn a one-time $200 money bonus after spending $500 on purchases inside three months from account opening. |
|
$0 |
| Capital One QuicksilverOne Money Rewards Credit score Card | N/A. |
|
$39 |
| Capital One Quicksilver Pupil Money Rewards Credit score Card | Earn $100 after spending $300 on purchases within the first three months from account opening. |
|
$0 |
| Capital One Quicksilver Secured Money Rewards Credit score Card | N/A. |
|
$0 |
| Capital One Spark Money 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 throughout the first 12 months. |
|
$150 |
| Capital One Spark Money Choose | Earn $500 money again after spending $4,500 on purchases inside the first three months from account opening. |
|
$0 |
With a card from every listing, you possibly can mix your rewards at a price of 1 cent of money again to 1 Capital One mile, which TPG’s July 2025 valuations peg at 1.85 cents apiece. That is due to the power to switch to Capital One’s full vary of 15-plus resort and airline companions.
It is vital 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? Tips on how to get the utmost worth when redeeming miles
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Tips on how to 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: Greatest Capital One bank cards
Tips on how to maximize your Capital One card pairing
If, for instance, you could have the Capital One Enterprise Rewards card, you earn a strong 2 miles per greenback spent on all of your purchases. For those who even have the Capital One Savor Money card, you possibly can earn a powerful 3% again on eating, leisure, well-liked streaming providers and grocery retailer purchases.
The magic of this card pairing is that it means that you can successfully earn 3 miles per greenback spent on these bonus purchases.
Moreover, if you would like extra premium perks like lounge entry and an annual $300 Capital One Journey portal credit score, take into account pairing the Enterprise X with the Savor Money.
Associated: Higher collectively: The last word information to one of the best bank card combos
The most effective Capital One no-annual-fee pair
Probably the greatest facets of this skill to show money again into miles is that you are able to do so with out paying any annual charges.
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 choices because the Enterprise Rewards and the Enterprise X for no annual price.
The Capital One Savor Money Rewards Credit score Card gives 3% money again on eating, leisure and well-liked streaming providers 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 possibly can basically earn 3 miles per greenback spent on eating, leisure and streaming providers and at grocery shops — with out paying any annual charges.
Associated: The entire information to bank card annual charges
Backside line
If in case you have a miles-earning Capital One card and a cash-back Capital One card, you possibly can maximize the variety of Capital One miles you earn. In doing so, you’ll mix your rewards and unlock the power to switch these rewards to Capital One’s in depth roster of switch companions.
For those who play your playing cards proper, your cash-back card simply would possibly turn into your pockets’s secret rewards weapon.
Associated: The most effective Capital One bank cards so as to add to your pockets
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