Capital One Miles: Rack Up Travel Rewards With Every Swipe - NerdWallet
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Capital One Miles: Rack Up Travel Rewards With Every Swipe

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Capital One No Hassle Miles: Rack Up Travel Rewards With Every Swipe

Capital One Miles: The basics

Capital One Miles is the rewards currency earned by certain business and consumer credit cards issued by Capital One. Depending on the card you have, you’ll score 1-2 miles with every dollar you spend.

Capital One Miles can be used in a variety of ways, and are generally worth between half a cent and one cent apiece. The value hinges on what you redeem them for. Read on to learn about your best options.

Cards that earn Capital One Miles

Capital One® Venture® Rewards Credit Card

  • Earn 2 miles for every dollar you spend.
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.

Capital One® VentureOne® Rewards Credit Card

  • Earn 1.25 miles for every dollar you spend.
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.

Capital One® Spark® Miles for Business

  • Earn 2 miles for every dollar you spend on business purchases.
  • Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months.

Capital One® Spark® Miles Select for Business

  • Earn 1.5 miles for every dollar you spend on business purchases.
  • Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months.

Nerd note: All of the earn rates on the plastic listed above are unlimited; there’s no cap on the miles you can rack up with these cards.

How to get more Capital One Miles

With the exception of the Capital One® Spark® Select for Business, all cards that earn Capital One Miles provide the opportunity to earn a signup bonus if you meet a minimum spending requirement, so this is an easy way to pad your rewards account. But beyond this, there aren’t any clever methods for getting more miles.

Capital One doesn’t operate a bonus mall that will allow you to earn more rewards on online purchases, and there is no option to buy miles. Consequently, the best way to earn maximum miles is to simply use your card for as many transactions as possible.

How to redeem Capital One Miles

Good redemption options

The best way to redeem Capital One Miles is for travel. You can do this in 2 ways: By using Purchase Eraser® to get a statement credit for all or part of a recent travel purchase, or by booking travel with your miles through Capital One’s travel portal. Either way, your miles are worth 1 cent each, which is the highest value achievable.

The travel redemptions are preferable for most consumers because you’ll have a lot of choices in how to use your miles. For example, you can use Purchase Eraser® to get a statement credit for airline tickets, hotel stays, limousine services, car rentals, discount travel sites and more. Just be sure to redeem within 90 days of a travel purchase posting to your account.

There’s no minimum number needed to redeem if you choose to cash in through Capital One’s travel portal. If you use Purchase Eraser® to get a partial statement credit, you’ll need a minimum of 2,500 miles to redeem.

Another good option is using miles to purchase gift cards. This redemption method will get you a value of one cent per mile, too, so if a getaway isn’t achievable, there’s still a way to decent value from your rewards. You’ll need a minimum of 2,500 miles to redeem for a gift card.

Bad redemption options

Besides travel and gift cards, you can also use your Capital One Miles for cash back (in the form of a check or statement credit for a non-travel purchase) or merchandise. But cash-back redemptions cut the value of mile in half, meaning that miles are worth half a cent each if this is how you choose to use them. You’ll need a minimum of 5,000 miles for a cash-back redemption.

For merchandise, the value of a mile varies depending on what you’re cashing them in for. Based on the Nerds’ calculations (see methodology section below), miles are worth slightly more than a half a cent apiece for most merchandise redemptions; although there’s the potential for a slightly higher value, it’s unlikely you’ll get a full cent per mile.

Other redemption options

There are two other ways to redeem Capital One Miles: experiences, and donations to charity. “Experiences” are entrance fees to local events or happenings (wine tastings, tandem skydiving and stock car racing are past examples) that you can book and pay for with miles using the Capital One Rewards site. The value you’ll get per mile with this redemption option varies wildly, and is dependent on the event you choose and the city you live in.

The same goes for charitable donations, so be sure to do a little math before forking over your miles for a good cause. There’s a good chance you’re better off donating cash.

The fine print

There’s not a lot in the fine print of the Capital One Rewards program that will cause confusion or trip you up. There’s no limit to the miles you can earn, and miles never expire as long as your account is open and in good standing. If you close your account, you’ll lose any unused miles.

Also, if you pay your credit card bill late and are charged a late fee, you won’t earn miles during the billing cycle that the late fee was charged. Carrying a balance won’t affect your ability to earn rewards, as long as you make your minimum payment on time.

Of course, you should make it a priority to pay your bill in full each month. The interest you’ll accrue is likely to cancel out the value of the miles you’ve earned.

Top cards that earn Capital One Miles

For consumers: Capital One® Venture® Rewards Credit Card

Capital One Venture Rewards Credit Card
Learn More
The Capital One® Venture® Rewards Credit Card is a popular travel credit card because it’s easy to use, and earns big rewards with every swipe. You’ll score 2 miles for every dollar you spend, which equates to a rewards rate of 2% if you choose to redeem for travel. This is double the industry standard of 1%, which means you’re getting a generous influx of rewards every time you use the card.

The Capital One® Venture® Rewards Credit Card also offers a generous signup bonus: Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel. This could really help offset the cost of your next trip.

This card is also a good choice if you like traveling internationally, because charges no foreign transaction fee, comes chip-enabled.

The Capital One® Venture® Rewards Credit Card charges an annual fee of $0 intro for first year; $59 after that. This is lower than many of its competitors. All in all, you’ll do well to keep this card in your wallet as you make your way around the world.

For business owners: Capital One® Spark® Miles for Business

Capital One Spark Miles Credit Card
Learn More
The Capital One® Spark® Miles for Business is similar to the Capital One® Venture® Rewards Credit Card, but is meant for small business owners who travel frequently. With it, you’ll earn 2 miles for every dollar you spend and pay no foreign transaction fees.

It also comes with a signup bonus: Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months. In addition, you’ll get a 5,000-mile bonus if you get at least one employee card within your first 60 days of account opening.

The Capital One® Spark® Miles for Business charges an annual fee of $0 intro for first year; $59 after that. But the Nerds expect that most jet-setting business owners will earn enough in rewards to outweigh this expense.

Methodology

The calculated value of these points is based on an estimated redemption rate, not a credit card rewards earn rate. Therefore, you may notice that these numbers don’t match the rewards rates on our credit card finder tool. Read on for how we estimated these points values.

Capital One states in the terms and conditions of cards that earn miles that one mile is worth one cent for travel purchases. This is done with hypothetical examples, where the points needed for a travel redemption is determined by multiplying the cost of a ticket by 100.

$500 plane ticket X 100 = 50,000 miles needed

$500/50,000 = $.01 (one cent per mile)

For gift cards, the Nerds logged into the Capital One Rewards portal and ran some tests, where we divided the value of a gift card by the miles needed to get it. For example, a $25 gift card requires 2,500 miles:

$25 / 2,500 = $.01 (one cent per mile)

We used a similar methodology for cash redemptions. For example, a $30.15 non-travel Purchase Eraser® credit requires 6,030 miles:

$30.15 / 6,030 = $.005 (half a cent per mile)

A $50.36 check in the mail or regular statement credit requires 10,072 miles:

$50.36 / 10,072 miles = $.005 (half a cent per mile)

For merchandise, the Nerds compared the miles needed to redeem for particular items to their prices on Amazon.com. For example, a Bulova Marine Star watch has a retail price was $245.12 (as of March 14, 2015) and requires 37,750 miles to purchase.

$245.12/37,750 = $.0065 (.65 cents per point)

Last updated on April 10, 2015

Lindsay Konsko is a staff writer covering credit cards and consumer credit for NerdWallet. Follow her on Twitter @lkonsko and on Google+.


Image via iStock.

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  • Seanpatrickryan22

    Question: Let’s say I have a $950 credit and the ticket is $1200, can I use it and pay the difference or do I have to have exactly $1200 in credit?

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  • Susan Pahlke

    but looks like it is not “just add two zeros” but rather travel up to 150 must have 150 “miles” to get the credit…travel from 150 to 350 dollars must have 350 “miles” to get that credit…thus if your flight , for instance, costs 275, and one had 290 “miles”…one still could not get the credit as not having the required 350 points. What is up with that?

  • Melissa

    Thanks, couldn’t find this info anywhere!

  • Dennis

    Susan is absolutely correct. You cannot apply the miles you have to a travel expense unless you can cover the whole transaction. I just had a long discussion with Customer Service in the Capital One Rewards center. They do not allow partial credits. That’s certainly not the way the commercials and printed brochures lead you to believe. Sounds like a “hassle” to me.

    • phonebanshee

      In practice, it turns out not to matter. You’ll have plenty of smaller transactions that they consider “travel” that aren’t hotel and flights. Car2go, taxi, some public transit (Clipper in the Bay Area), car rentals, etc.

  • Dennis

    Susan is absolutely correct. You cannot apply the miles you have to a travel expense unless you can cover the whole transaction. I just had a long discussion with Customer Service in the Capital One Rewards center. They do not allow partial credits. That’s certainly not the way the commercials and printed brochures lead you to believe. Sounds like a “hassle” to me.

  • http://www.facebook.com/profile.php?id=1178076659 Tom Wyrick

    For what it’s worth, I have a Capital One rewards membership. and when I look at all the options? I think you get a better deal accepting one of the gift cards than asking for cash (a check mailed to you in 2-3 weeks). For example, it costs 7,750 miles to buy a $50 gift card (for such places as Amazon.com or Shell gas stations), but the same 7,750 miles converts to only a $38.75 check.

  • Tom Wyrick

    For what it’s worth, I have a Capital One rewards membership. and when I look at all the options? I think you get a better deal accepting one of the gift cards than asking for cash (a check mailed to you in 2-3 weeks). For example, it costs 7,750 miles to buy a $50 gift card (for such places as Amazon.com or Shell gas stations), but the same 7,750 miles converts to only a $38.75 check.

  • jadera

    it seems that Capital one has changed the redeeming ratio. I just noticed that for $1 of purchases I need 200 points/miles. couple months ago that same $1 required 100 miles. Not cool to say the least and is making me pretty upset that they basically halved the rewards without even saying notifying us. So, you might think about other cards out there that don’t keep switching all the good stuff as soon as they got enough new customers – the month I signed up, they killed no fees on international transactions :((

    • http://www.nerdwallet.com/ NerdWallet

      Hi jadera,

      Thanks for your comment. Care to point us to the information you cite?
      To our knowledge, Capital One No Hassle Miles still return a $1 value for every 100 miles you redeem.

      • Clint Schauff

        jadera is correct. Today I logged into their site to redeem 100,000 miles for cash and it said those 100,000 miles are worth $500.00.

        • http://www.nerdwallet.com/ NerdWallet

          Hi Clint,

          I think the trouble is in redeeming No Hassle Miles for cash – the redemption value for cash has always been less than one cent per mile, unfortunately; gift cards and travel get you full value. Capital One confirms that there have been no changes to their rewards program recently, and that you can still get full value for travel/gift cards.

          Cheers,
          The Nerds

          • phonebanshee

            Also, redeeming for travel can be retroactive; you don’t need to buy from the site. Just log in later, pick the travel expenses, and pay for them with points. (We ended up not doing that; some of the gift cards are better deals, if you already shop at the merchants.) The catch (and it’s not a big one) is that you can’t do partial redemptions; you need enough points to cover the entire cost.

          • justthebest

            For my Cap One accounts (I have 2), if I charge the hotel or airline ticket on the card, I can wipe out the charge (get full credit) on the 1 cent/point system described in this piece. I’ve done in many times, with no problems at all. E.g., a $359 hotel bill–I ask them to please take if off the bill and use 35,900 of my points.

          • Michael

            The reward ratio has definitely changed. .005 for good gift cards. Travel is .0064.

          • phonebanshee

            I just tried it and the travel purchase eraser is definitely one cent / mile as of 2 May 2014. ($50 credit cost me 5000 miles). That’s slightly misleading, since $1 spend == 2 miles, so if you have purchases that they consider “travel”, it’s trivial to use this card as identical to a 2% cash back (ok, there’s the overhead of going to the web site every few months and pushing a couple buttons.) The gift cards seem to all be the same as the travel eraser, so they’re not worth bothering with lately.

  • jadera

    it seems that Capital one has changed the redeeming ratio. I just noticed that for $1 of purchases I need 200 points/miles. couple months ago that same $1 required 100 miles. Not cool to say the least and is making me pretty upset that they basically halved the rewards without even saying notifying us. So, you might think about other cards out there that don’t keep switching all the good stuff as soon as they got enough new customers – the month I signed up, they killed no fees on international transactions :((

  • bill

    I rather “guessed” that “miles” might be involved with redeeming travel miles, and was surprised to find out the “miles” card is merely and ONLY a cashback card with a lot of conditions called “hassle free”, when redeeming is anything but. Where has this “hassle free” language come from with Capital One? I have to settle for 6/10 of 1% cashback for simple redemption verses my other cards which are “hassle free” 1% cashback cards…

  • bill

    I rather “guessed” that “miles” might be involved with redeeming travel miles, and was surprised to find out the “miles” card is merely and ONLY a cashback card with a lot of conditions called “hassle free”, when redeeming is anything but. Where has this “hassle free” language come from with Capital One? I have to settle for 6/10 of 1% cashback for simple redemption verses my other cards which are “hassle free” 1% cashback cards…

  • brycenesbittt

    A $10 Target GiftCard is now 2,000 miles. And travel purchases are on a bucket system that resulted in about a half cent per point. Finding nothing worth redeeming, I tried to donate, but apparently need to set up a different giving account (can you say “hassle”) to do so. The information above is almost completely wrong.

  • brycenesbittt

    A $10 Target GiftCard is now 2,000 miles. And travel purchases are on a bucket system that resulted in about a half cent per point.

  • brycenesbittt

    The “no hassle” example above is wrong. If you have a $109 purchase you need to redeem at the 0-$150 level for 15,000 points.

    • http://www.nerdwallet.com/ NerdWallet

      Hi there, if you redeem for travel it should be a 1 cent to 1 point ratio, so you can use 10,900 miles to wipe out $109 of travel.

      • brycenesbittt

        Incorrect, as far as I can tell. See this screenshot capture: http://oi39.tinypic.com/zslrie.jpg . For non-travel purchases I see an offer of 10,736 miles for a $53.98. Only above $600, and only for travel, do you get full value. Hassle.

      • brycenesbittt

        Incorrect. I’m offered 15,000 miles for $109 travel expense. Non-travel expenses are worse. I can get you a screenshot from the members only area.

  • brycenesbittt

    The “no hassle” example above is wrong. If you have a $109 purchase you need to redeem at the 0-$150 level for 15,000 points.

  • Mike Driehuis

    Use 1 ticket to pay for your purchase. I had a trip $1,182.38 and paid with 118,238 Miles .
    If I sued 10 tickets, it would cost me 150,000 miles.

    • Chari Baldwin

      Hi there,
      Did it work out when you used one ticket on the capital one website because I’m thinking about doing the same thing. Chari

    • jenwil

      I don’t understand what you mean by 1 ticket or 10 tickets

  • Mike Driehuis

    Use 1 ticket to pay for your purchase. I had a trip $1,182.38 and paid with 118,238 Miles .
    If I sued 10 tickets, it would cost me 150,000 miles.

  • Chris Timmer

    Here’s the table. Much better than cash rewards. Just need to have an expense near the top of the range to get the best value.

    Miles Needed

    For Travel That Costs…

    Up to $150 15,000 miles
    $150.01 – $350 35,000 miles
    $350.01 – $600 60,000 miles

  • Chris Timmer

    Here’s the table. Much better than cash rewards. Just need to have an expense near the top of the range to get the best value.

    Miles Needed

    For Travel That Costs…

    Up to $150 15,000 miles
    $150.01 – $350 35,000 miles
    $350.01 – $600 60,000 miles

  • phonebanshee

    In practice, it turns out not to matter. You’ll have plenty of smaller transactions that they consider “travel” that aren’t hotel and flights. Car2go, taxi, some public transit (Clipper in the Bay Area), car rentals, etc.

  • Shlomo Boukai

    One thing I want to add is that it looks like the old program still applies to the No Hassle Miles earned through just a Capital One bank account with no credit card. On top of that, in addition to not being able use your points on past travel purchases, for travel rewards, you can only use your points on their version of travelocity.com. Sadly, for those trying to earn points only through a bank account with no credit card, this looks like the best option as it looks like Citi Thank You Points are worse, at least for travel.

  • Shlomo Boukai

    One thing I want to add is that it looks like the old program still applies to the No Hassle Miles earned through just a Capital One bank account with no credit card. On top of that, in addition to not being able use your points on past travel purchases, for travel rewards, you can only use your points on their version of travelocity.com. Sadly, for those trying to earn points only through a bank account with no credit card, this looks like the best option as it looks like Citi Thank You Points are worse, at least for travel.

  • Pat

    I had 18640 points on my cap one card–I could only redeem it for an account credit of $93.20–effectively 1/2% of the points. On my visa card I had 21,411 points and got an account credit of $214.11–or 1%. So, I plan to use my Visa, not my Capital one.

    • Rick

      I have a VISA Signature – Capital One, and just noticed that same math. Googled it and ended up here. It is effectively 1 % cash back, although looks like 2% if I choose to redeem by means of travel, but the website is down, so I can’t verify. In any case, it’s not the 2% advertised.

      Which VISA are you referring to that has 2% cash back that is not capital one? Or do you mean a Visa website and not the Capital one website?

    • Sam

      You get 2 points per dollar with Capital One, whereas your other card is probably 1 point per dollar. That means that you’re getting 1% cash back when you choose a non-travel statement credit — it has to cut your point value in half because each dollar you spent gave you double the points.

  • Pat

    I had 18640 points on my cap one card–I could only redeem it for an account credit of $93.20–effectively 1/2% of the points. On my visa card I had 21,411 points and got an account credit of $214.11–or 1%. So, I plan to use my Visa, not my Capital one.

  • Dan

    Yes, get the gift cards, DO NOT bother booking travel. I just found out that a trip I cancelled in May, using 105,000 points will now cost me an additional $1200 if I want to rebook the tickets!!! That is NUTS. A rountrip today on Orbitz is $208. So $624 for three tickets direct through Orbitz or $1200 plus 105,000 miles if I want Capital one to book it. Either way the 105,000 miles are gone.Even the Capital ones reward travel lady said it seemed crazy. I also had 95,000 miles worth of hotels booked in May that has vaporized. I just got my new AA advantage card in the mail from Citibank and it is in my wallet. I am just going to take the rest of my miles in gift cards. Jeez!

    • properthwacking

      Trips purchased using cash are also nonrefundable. I don’t know what you were thinking, Dan.

  • Dan

    Yes, get the gift cards, DO NOT bother booking travel. I just found out that a trip I cancelled in May, using 105,000 points will now cost me an additional $1200 if I want to rebook the tickets!!! That is NUTS. A rountrip today on Orbitz is $208. So $624 for three tickets direct through Orbitz or $1200 plus 105,000 miles if I want Capital one to book it. Either way the 105,000 miles are gone.Even the Capital ones reward travel lady said it seemed crazy. I also had 95,000 miles worth of hotels booked in May that has vaporized. I just got my new AA advantage card in the mail from Citibank and it is in my wallet. I am just going to take the rest of my miles in gift cards. Jeez!

  • Josh Lang

    I have had this card for almost 6 years. I absolutely love it. If your someone who wants to treat this card as cash back, don’t bother, you will not get the return proportionly. If you choose this card, understand your choosing a Flyer Miles travel card, not a cash back. As a military member, I have no Annual membership fee and my interest rate is capped at 4%, and other waived fees. I treat my credit card like a debit card, I have never paid interest by always paying it off in full and I use it for everything possible. So I earn my flyer miles absolutely free.
    For anyone who has this card, don’t purchase tickets through their website, you’ll find it cheaper somewhere else, like Travelocity or something. Purchase the ticket with your credit card regularly. Then when the transaction posts, use the purchase eraser to credit your account back. This is especially great option because the CapitalOne Site doesnt let you purchase part of a ticket with points and rest with credit card if you dont have enough points. So you can use the purchase eraser to give a credit back for however many points you do have. The statement credit is proportionate. IE: 42,550 Miles will be a credit of $425.50 credit for rental cars and hotels. One thing I haven’t checked to see is if, you purchase the ticket with your credit card, and use the purchase eraser, if it will take back the miles or if you still retain them.
    I recommend this credit card for anone wanting a credit card that will maximize their travel rewards.

    • Ray Berube

      Capital One will NOT take back the miles with purchase eraser . I always purchase the ticket & then redeem with purchase eraser . It’s a no brainer ! Pay the amount for the ticket …redeem the exact miles & still keep all your Double points ! Great Program

  • Josh Lang

    I have had this card for almost 6 years. I absolutely love it. If your someone who wants to treat this card as cash back, don’t bother, you will not get the return proportionly. If you choose this card, understand your choosing a Flyer Miles travel card, not a cash back. As a military member, I have no Annual membership fee and my interest rate is capped at 4%, and other waived fees. I treat my credit card like a debit card, I have never paid interest by always paying it off in full and I use it for everything possible. So I earn my flyer miles absolutely free.
    For anyone who has this card, don’t purchase tickets through their website, you’ll find it cheaper somewhere else, like Travelocity or something. Purchase the ticket with your credit card regularly. Then when the transaction posts, use the purchase eraser to credit your account back. This is especially great option because the CapitalOne Site doesnt let you purchase part of a ticket with points and rest with credit card if you dont have enough points. So you can use the purchase eraser to give a credit back for however many points you do have. The statement credit is proportionate. IE: 42,550 Miles will be a credit of $425.50 credit for rental cars and hotels. One thing I haven’t checked to see is if, you purchase the ticket with your credit card, and use the purchase eraser, if it will take back the miles or if you still retain them.
    I recommend this credit card for anone wanting a credit card that will maximize their travel rewards.

  • MF

    I was hoping you might be able to see the redemption rate to use the miles to purchase gift cards. The above article states there are Target gift cards, but I believe it’s quite old. Are Target or Walmart or Amazon gift cards available for purchase using mile, and if so, what is the redemption rate? I can’t, for the life of me, find something dated as current that shows the rewards.

    I appreciate your time and help!

  • MF

    I was hoping you might be able to see the redemption rate to use the miles to purchase gift cards. The above article states there are Target gift cards, but I believe it’s quite old. Are Target or Walmart or Amazon gift cards available for purchase using mile, and if so, what is the redemption rate? I can’t, for the life of me, find something dated as current that shows the rewards.

    I appreciate your time and help!

  • 1SB

    I have a Capital one card, the one with no fee and you still can apply the miles directly to the travel purchase as you explained however, it accrues miles more slowly. The pro of the card is that there is no yearly fee so I use it as a back up card.

  • 1SB

    I have a Capital one card, the one with no fee and you still can apply the miles directly to the travel purchase as you explained however, it accrues miles more slowly. The pro of the card is that there is no yearly fee so I use it as a back up card.

  • Peter Hsu

    I actually just got off the phone with a repetitiveness and I was told that for new customers, you have to redeem in buckets again. Like the old program.

    I am sad to say this article is outdated.

  • Peter Hsu

    I actually just got off the phone with a repetitiveness and I was told that for new customers, you have to redeem in buckets again. Like the old program.

    I am sad to say this article is outdated.

  • Ahmed

    Great comment! thanks!

  • Ahmed

    Great comment! thanks!

  • Kim

    Your comment was very informative. Thank you. I do have one question so I can understand. Prior to getting the Venture card, we had another card that earned us specific airline points. Can I book my travel on that airlines website and use the points I have with them and then the remainder of the cost pay with my Venture card and then turn around and use Purchase Eraser for the credit back?

  • Kim

    Your comment was very informative. Thank you. I do have one question so I can understand. Prior to getting the Venture card, we had another card that earned us specific airline points. Can I book my travel on that airlines website and use the points I have with them and then the remainder of the cost pay with my Venture card and then turn around and use Purchase Eraser for the credit back?

  • QV

    Unless Capital One allows transferring their points 1:1 to airlines, the most you get is 1 penny per point. This is the worst travel reward credit card to have.

    • http://www.nerdwallet.com/ NerdWallet

      Hi @disqus_FF1F63ygGp:disqus – You’re right that No Hassle Miles can’t be transferred to airline frequent flyer programs – for some travelers, that might be a deal-breaker. But for people looking for a flexible, easy-to-use travel rewards program, the Nerds think it has a lot of value. It’s all about picking the card that’s right for you!

      • rustyTuB

        CapOne is expiring the point of account holders on the banking side. NO HASSLE MILES never expire?

  • QV

    Unless Capital One allows transferring their points 1:1 to airlines, the most you get is 1 penny per point. This is the worst travel reward credit card to have.

  • Donovan Nebreklievski

    Used to be able to purchase merchandise,they took that away.

  • Shahzad Latif

    Bottom line is they don’t allow you to transfer miles to partners which apparently don’t exist. I wish the author had mentioned that upfront

  • Jimnation

    This card is perfect for the business owner fruggle traveler who doesn’t have any loyalty to a specific airline or hotel chain and uses discount travel websites. There are better options if you want perks like free checked bags or want to fly first or business class only (much better) Also there are better cards for cash back or gift cards since you can get 1-3% back using categories i.e. Freedom card imo for the average consumer cash back card is the way to go but for business owner who have reoccurring charges from certain vendors that are likely to be in the 1% category for cash back the Sparks miles is a great option.

  • rustyTuB

    have 83,000 no hassle miles tied to a checking account. The point will be expired; previously I had no expectation of this possibility. I was traveling for work out of the country when CapOne send notice the points would be expired and permanently tied to the bank account if action was not soon taken. So,,, no chance to take action to move the points. I want to spend them on AMTRAK tickets and CapOne travel dept. doesn’t deal with AMTRAK. I can’t buy the tickets and get reimbursement as I don’t have the Venture CC and can’t move the bank points to the CC anyway. Fustrating.