If you’re considering applying for a credit card, one of the factors you may be considering is the sign-up bonus. It can be disappointing to apply for a card and then see a more lucrative bonus offered shortly after. While there’s no exact answer to when the best time to apply for a card is, it can be helpful to understand the historical offers of popular credit cards to determine how good the current offer is.
In this article, we will focus on the sign-up bonuses offered by Capital One credit cards and provide some guidance on when to apply for each card based on the bonus offer. We’ll also provide an overview of the benefits and features of each card to help you make an informed decision.
1. Capital One Venture Rewards Credit Card
Best welcome offer we’ve seen: 100,000 bonus miles when you spend $5,000 on purchases in the first three months from account opening
When to apply: When the bonus offer is 75,000 miles or higher
2. Capital One Venture X Rewards Credit Card
Best welcome offer we’ve seen: 100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening
When to apply: When the bonus offer is 75,000 miles or higher
3. Capital One Venture X Business Rewards Credit Card
Best welcome offer we’ve seen: 300,000 bonus miles: 150,000 after spending $30,000 in the first three months of account opening and another 150,000 after spending $500,000 in the first six months of account opening
When to apply: When the bonus offer is 150,000 miles or higher
4. Capital One VentureOne Rewards Credit Card
Best welcome offer we’ve seen: 20,000 bonus miles once you spend $500 on purchases within the first three months from account opening
When to apply: When the bonus offer is 20,000 miles or higher
5. Capital One Savor Cash Rewards Credit Card
Best welcome offer we’ve seen: $300 cash bonus once you spend $3,000 on purchases within three months from account opening
When to apply: When the bonus offer is $300 or higher
6. Capital One SavorOne Cash Rewards Credit Card
Best welcome offer we’ve seen: $200 cash bonus after spending $500 on purchases within the first three months from account opening
When to apply: When the bonus offer is $200 or higher
7. Capital One Quicksilver Cash Rewards Credit Card
Best welcome offer we’ve seen: $200 bonus after spending $500 in the first three months from account opening
When to apply: When the bonus offer is $200 or higher
8. Capital One Spark Miles for Business Credit Card
Best welcome offer we’ve seen: Up to 200,000 bonus miles: 50,000 bonus miles after spending $5,000 in the first three months from account opening and another 150,000 bonus miles after spending $50,000 in the first six months
When to apply: When the bonus offer is higher than 50,000 miles
9. Capital One Spark Cash Plus Credit Card
Best welcome offer we’ve seen: Up to $3,000: $500 after spending $5,000 in the first three months from account opening and $2,500 after spending $50,000 in the first six months
When to apply: When the bonus offer is higher than $1,000
It’s important to note that these bonus offers are based on historical data and may change over time. Additionally, the value of the bonus offer is based on The Points Guy’s valuations and not provided by the card issuer.
In conclusion, if you’re considering applying for a Capital One credit card, it can be helpful to know the historical bonus offers to determine if the current offer is good. The best time to apply for each card will depend on the bonus offer, and it’s always a good idea to review the benefits and features of the card to ensure it aligns with your spending habits and financial goals.