If you happen to’re contemplating making use of for a bank card, you are most likely questioning whether or not the present sign-up bonus is an effective one.
Whereas any bonus is sweet to get, there is a particular form of heartbreak in pulling the set off for a card — solely to see it supply a profitable bonus the next month.
There is not any simple reply to exactly when is one of the best time to use for a card, but it surely does assist to know what a card has supplied previously to assist decide how good the present supply is.
We have rounded up the supply historical past on the preferred playing cards from Capital One and decided our standards for one of the best time to use for every card.
Greatest Capital One bank card sign-up bonuses
| Card | Greatest welcome supply we have seen | When to use |
|---|---|---|
| Capital One Enterprise Rewards Credit score Card | 100,000 bonus miles once 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 throughout the first six months of account opening | When the bonus supply is 75,000 miles or greater |
| Capital One Enterprise X Enterprise | 300,000 bonus miles: 150,000 after spending $20,000 within the first three months of account opening and one other 150,000 after spending $100,000 within the first six months of account opening | When the bonus supply is 150,000 miles or greater |
| Capital One VentureOne Rewards Credit score Card | 20,000 bonus miles when you spend $500 on purchases throughout 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 | $200 money bonus when you spend $500 on purchases inside 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 | 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 | 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 inns, trip leases and rental vehicles booked via Capital One Journey.
The cardboard’s modest $95 annual price, easy incomes construction and stable return on on a regular basis spending make it a keeper when you’re authorized for it.
| Approximate date | Supply | Worth* |
|---|---|---|
| September 2024 to now | 75,000 miles after spending $4,000 on purchases within the first three months | $1,388 |
| July 2024 to September 2024 | 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening, plus a $250 Capital One Journey credit score within the first cardholder yr. | As much as $1,638, in the event you maximize all the credit score |
| June 2023 to July 2024 | 80,000-100,000 miles after spending $5,000 on purchases within the first three months (focused supply obtainable via QR codes at choose airports)
Present supply: 75,000 miles after spending $4,000 on purchases within the first three months of account opening (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 |
| Might 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 in the event you spend $3,000 on purchases within the first three months from account opening, or 100,000 bonus miles once 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 relies on TPG’s January 2025 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
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Capital One Enterprise X Rewards Credit score Card
With plentiful perks which are simple to know, 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; nevertheless, we do not see that coming again.
Although the cardboard carries a $395 annual price, it presents a $300 annual credit score towards bookings made via Capital One Journey, and likewise rewards cardholders with 10,000 bonus miles each account anniversary (for much more free journey), plus intensive airport lounge entry, wonderful journey protections and rental automotive privileges.
It presents limitless 10 miles per greenback on inns and rental vehicles booked via Capital One Journey, 5 miles per greenback on flights and trip leases booked via 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 of account opening. | $1,388 |
| November 2021 to March 2022 | 100,000 bonus miles after spending $10,000 on purchases throughout the first six months of account opening | $1,850 |
*Bonus supply worth relies on TPG’s January 2025 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 Enterprise X Enterprise
The Enterprise X Enterprise launched in early 2023 with an unimaginable welcome bonus and an identical sky-high spending requirement. At first solely obtainable via a Capital One Relationship Supervisor, the cardboard turned publicly obtainable a number of months later with a decrease — however nonetheless spectacular— welcome supply.
The Enterprise Enterprise X carries the identical $395 annual price as the non-public model and comes with the identical main perks, together with a $300 annual credit score for journey booked via Capital One Journey and entry to Capital One, Precedence Go and Plaza Premium lounges.
It additionally carries the identical incomes charges of 10 miles per greenback on inns and rental vehicles booked via Capital One Journey, 5 miles per greenback on flights and trip leases bought via Capital One Journey and a pair of miles per greenback on all different purchases.
| Approximate date | Supply | Worth* |
|---|---|---|
| March 2024 to now | 150,000 miles after spending $30,000 within the first three months from account opening | $2,775 |
| January 2024 to March 2024 | As much as 300,000 miles: 150,000 after spending $20,000 within the first three months of account opening and one other 150,000 after spending $100,000 within the first six months of account opening | $5,550 |
| September 2023 to January 2024 | 150,000 miles after spending $30,000 within the first three months from account opening | $2,775 |
| Might 2023 to September 2023 | As much as 300,000 miles: 150,000 after spending $30,000 within the first three months of account opening and one other 150,000 after spending $500,000 within the first six months of account opening. | $5,550 |
*Bonus supply worth relies on TPG’s January 2025 valuations and never offered by the bank card issuer.
When to use for this card: When the bonus supply is 150,000 miles or greater.
Be taught extra: Capital One Enterprise X Enterprise
Capital One VentureOne Rewards Credit score Card
Whereas it comes with fewer perks, the Capital One VentureOne Rewards Credit score Card presents 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 price.
You may 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 January 2025 valuations.
| Approximate date | Supply | Worth* |
|---|---|---|
| September 2021 to now | 20,000 miles after spending $500 on purchases throughout the first three months from account opening | $370 |
| December 2014 to August 2021 | 20,000 miles after spending $1,000 on purchases throughout the first three months from account opening | $370 |
*Bonus supply worth relies on TPG’s January 2025 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 most important downsides to cash-back playing cards are low incomes charges and a scarcity of bonus classes, however that is undoubtedly not true of the Capital One Savor Money Rewards Credit score Card.
For no annual price, the Savor presents sturdy cash-back incomes charges on widespread and infrequently neglected classes, together with 3% again on eating, leisure and widespread streaming companies.
| Approximate date | Supply | Worth* |
|---|---|---|
| Might 2023 to now | $200 money bonus after spending $500 on purchases throughout the first three months from account opening | $200 |
| November 2020 to Might 2023 | $200 money bonus after spending $500 on purchases throughout 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 relies on TPG’s January 2025 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
Capital One Quicksilver Money Rewards Credit score Card
The Capital One Quicksilver Money Rewards Credit score Card is one other nice card with no annual price. It earns a dependable 1.5% again on all purchases, making it an ideal go-to card for the odd buy that does not slot in any bonus classes.
Whereas many different playing cards supply greater incomes potential in particular spending classes, this card presents the security of understanding you may 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 relies on TPG’s January 2025 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
The Capital One Spark Miles for Enterprise earns 2 miles per greenback spent on all purchases, making it a wonderful alternative for small-business homeowners who need to earn journey rewards on all their bills.
This card is particularly useful for small-business homeowners 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 price 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 | 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 | 50,000 bonus miles after spending $4,500 within the first three months from account opening. | $925 |
| November 2018 to January 2019 | 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 |
| Might 2017 to November 2018 | 50,000 bonus miles after spending $4,500 within the first three months from account opening | $925 |
*Bonus supply worth relies on TPG’s January 2025 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
The Capital One Spark Money Plus earns 2% money again on all purchases and is right for enterprise homeowners who need to earn dependable cash-back rewards on all their bills.
This card presents one of many highest constant cash-back incomes charges of any card and is great for small-business homeowners who need to earn money again on all purchases. It’s price noting that this can be a cost card, which means cardholders should repay their balances in full every month. The cardboard has a modest $150 annual price that may be waived once you spend a minimum of $150,000.
| Approximate date | Supply | Worth* |
|---|---|---|
| August 2024 to now | $2,000 money again when you spend $30,000 within the first three months and an extra $2,000 money bonus for each $500,000 spent throughout the first yr | $2,000 (or extra, relying on spending within the first yr) |
| March 2024 to August 2024 | $1,200 money again after spending $30,000 within the first three months from account opening | $1,200 |
| January 2024 to March 2024 | As much as $3,000: $1,500 after spending $20,000 within the first three months from account opening and an extra $1,500 after spending $100,000 within the first six months | As much as $3,000 |
| June 2023 to January 2024 | $1,200 money again after spending $30,000 within the first three months from account opening | $1,200 |
| April 2022 to June 2023 | 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 | 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 relies on TPG’s January 2025 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
For Capital One merchandise listed on this web page, among the above advantages are offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
Backside line
While you’re contemplating making use of for a card — any card — you may need to take into account 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:
