The attract of travel rewards cards makes it simple to neglect that there are tons of excellent causes to additionally maintain a cash-back card in your wallet. Money-back playing cards usually have a easy incomes and redeeming construction, and you may’t beat the flexibleness of money rewards.
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 proper card pairing, you possibly can flip your Capital One cash-back rewards into transferable miles, making them much more worthwhile.
This is what you have to 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 may want to carry each a Capital One cash-back card and a miles-earning card. That manner, you possibly can 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 may want certainly one of these miles-earning playing cards:
| Card | Welcome provide | Incomes charges | Annual payment |
|---|---|---|---|
| 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 throughout the first three months from account opening. |
|
$0 introductory annual payment for first yr, 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 provide | Incomes charges | Annual payment |
|---|---|---|---|
| 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 an extra $2,000 money bonus for each $500,000 spent throughout the first yr. |
|
$150 |
| Capital One Spark Cash Select | Earn $500 money again after spending $4,500 on purchases throughout the first three months from account opening. |
|
$0 |
With a card from every checklist, 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 because of the flexibility to switch to Capital One’s full vary of 15-plus hotel and airline partners.
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 similar price.
Associated: Cashing in Capital One miles? How to get the maximum value when redeeming miles
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Easy methods 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 affirm.
Associated: Best Capital One credit cards
Easy methods to 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 certainly 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 the Capital One Enterprise Rewards card, you earn a stable 2 miles per greenback spent on all of your purchases. When you even have the Capital One Savor Money card, you possibly can earn a powerful 3% again on eating, leisure, in style streaming companies and grocery retailer purchases.
The magic of this card pairing is that it lets you successfully earn 3 miles per greenback spent on these bonus purchases.
Moreover, if you need extra premium perks like lounge access and an annual $300 Capital One Journey portal credit score, take into account pairing the Enterprise X with the Savor Money.
Associated: Better together: The ultimate guide to the best credit card combinations
One of the best Capital One no-annual-fee pair
The most effective points of this potential 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 may 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 payment.
The Capital One Savor Money Rewards Credit score Card presents 3% money again on eating, leisure and in style streaming companies and at grocery shops (excluding superstores like Walmart and Goal), plus 1% money again on all different purchases, additionally for no annual payment.
So, with this duo, you possibly 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
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 flexibility to switch these rewards to Capital One’s intensive roster of switch companions.
When you play your playing cards proper, your cash-back card simply may change into your pockets’s secret rewards weapon.
Associated: The best Capital One credit cards to add to your wallet