The attract of journey rewards playing cards makes it simple 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 flexibleness of money rewards.
If in case you have a card that earns Capital One miles, contemplate 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 precious.
Here is what you should 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 approach, 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 charge |
|---|---|---|---|
| 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 throughout the first three months from account opening. |
|
$0 introductory annual charge for first 12 months, 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 charge |
|---|---|---|---|
| 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 through the first 12 months. |
|
$150 |
| Capital One Spark Money Choose | Earn $500 money again after spending $4,500 on purchases throughout the first three months from account opening. |
|
$0 |
With a card from every record, you’ll be able to mix your rewards at a fee 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 because of the flexibility to switch to Capital One’s full vary of 15-plus resort and airline companions.
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 fee.
Associated: Cashing in Capital One miles? How you can get the utmost worth when redeeming miles
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How you can 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
How you can maximize your Capital One 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 fee, 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’ve got 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’ll be able to earn a formidable 3% again on eating, leisure, widespread 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, contemplate pairing the Enterprise X with the Savor Money.
Associated: Higher collectively: The last word information to one of the best bank card mixtures
The perfect Capital One no-annual-fee pair
The most effective facets of this means 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 charge.
The Capital One Savor Money Rewards Credit score Card affords 3% money again on eating, leisure and widespread streaming providers and at grocery shops (excluding superstores like Walmart and Goal), plus 1% money again on all different purchases, additionally for no annual charge.
So, with this duo, you possibly can primarily 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’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.
For those who play your playing cards proper, your cash-back card simply may develop into your pockets’s secret rewards weapon.
Associated: The perfect Capital One bank cards so as to add to your pockets
