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The very best time to use for these fashionable Capital One bank cards based mostly on provide historical past

January 25, 2026
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The very best time to use for these fashionable Capital One bank cards based mostly on provide historical past
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If you’re seeking to apply for a bank card, you might marvel: “How good is the welcome provide I am making use of for?”

There is no easy reply to this query, however realizing the earlier affords a card has had may also help you identify what an excellent welcome provide is. Getting any welcome provide is best than getting nothing in any respect, however you would not need to apply for a card after which see a better provide a month later.

We have collected and analyzed the provide historical past over the previous few years for Capital One’s hottest playing cards and decided the most effective time to use for every card.

It is vital to notice that we’ll solely focus on publicly obtainable welcome affords. Nonetheless, you may obtain focused affords that provide extra bonus miles or money again. Understand that affords might change at any time, and a few of these talked about beneath will not be obtainable.

Finest Capital One bank card welcome bonuses

CardBest welcome provide we have seenWhen to use

Earn as much as 100,000 bonus miles after spending $5,000 on purchases within the first three months from account opening

When the bonus provide is 75,000 miles or increased

Earn 100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening

When the bonus provide is 75,000 miles or increased

Earn as much as 400,000 bonus miles: 200,000 miles after spending $30,000 on purchases within the first three months of account opening, plus an extra 200,000 miles after spending $150,000 on purchases within the first six months of account opening

When the bonus provide is 150,000 miles or increased

Take pleasure in a $100 Capital One Journey credit score to make use of within the first cardholder 12 months. Plus, earn 20,000 bonus miles after spending $500 on purchases inside the first three months from account opening

When the bonus provide is 20,000 miles or increased

Take pleasure in a $100 Capital One Journey credit score to make use of within the first cardholder 12 months. Plus, earn a $200 money bonus after spending $500 on purchases within the first three months from account opening

When the bonus provide is $200 or increased

Take pleasure in a $100 Capital One Journey credit score to make use of within the first cardholder 12 months. Plus, earn a $200 money bonus after spending $500 on purchases within the first three months from account opening

When the bonus provide is $200 or increased

Earn 50,000 bonus miles after spending $4,500 on purchases within the first three months from account opening

When the bonus is 50,000 miles or increased

Earn As much as $3,000: $500 after spending $5,000 on purchases within the first three months from account opening and $2,500 after spending $50,000 on purchases within the first six months

When the bonus is $1,000 or increased

Capital One Enterprise Rewards Credit score Card

The Capital One Enterprise Rewards Credit score Card earns an infinite 2 miles per greenback spent on each buy, plus 5 miles per greenback spent on accommodations, rental automobiles and trip leases booked by way of Capital One Journey.

The cardboard’s modest $95 annual charge, easy incomes construction and strong return on on a regular basis spending make it a keeper when you’re accepted for it.

Capital One Venture Rewards card art
THE POINTS GUY

Listed here are the affords we have seen on the Capital One Enterprise Rewards:

Welcome provide historical past

Approximate dateOfferValue*

75,000 miles after spending $4,000 on purchases within the first three months, plus a $250 Capital One Journey credit score to make use of in your first cardholder 12 months

As much as $1,638, together with the assertion credit score

75,000 miles after spending $4,000 on purchases within the first three months

$1,388

February 2025 to Could 2025

75,000 miles after spending $4,000 on purchases within the first three months, plus a $250 Capital One Journey credit score to make use of in your first cardholder 12 months

As much as $1,638, together with the assertion credit score

September 2024 to February 2025

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 12 months

As much as $1,638, for those who maximize all the credit score

80,000 to 100,000 miles after spending $5,000 on purchases within the first three months (focused provide obtainable by way of QR codes at choose airports)

75,000 miles after spending $4,000 on purchases within the first three months of account opening (public provide)

$1,480 to $1,850 (focused provide)

$1,388 (public provide)

September 2021 to June 2023

75,000 miles after spending $4,000 on purchases within the first three months

$1,388

*Bonus provide worth relies on TPG’s January 2026 valuations and never offered by the bank card issuer.

Highest welcome provide

The very best provide we have seen on this card allowed new cardholders to earn as much as 100,000 bonus miles after spending $5,000 on purchases inside the first three months of account opening.

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When to use for this card

When the bonus provide is 75,000 miles or increased, it meets our standards on when to use.

Study extra: Capital One Enterprise Rewards Credit score Card

Associated: Is the Capital One Enterprise Rewards card value it?

Capital One Enterprise X Rewards Credit score Card

With plentiful, easy-to-understand perks, the Capital One Enterprise X is a no brainer for all vacationers, from luxurious seekers to the extra budget-minded, and the cardboard virtually pays for itself 12 months after 12 months.

Although the cardboard carries a $395 annual charge, it affords a $300 annual credit score towards bookings made by way of Capital One Journey and rewards cardholders with 10,000 bonus miles every account anniversary.

Capital One Venture X card
THE POINTS GUY

Listed here are the affords we have seen on the Capital One Enterprise X:

Welcome provide historical past

Approximate dateOfferValue*

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening

$1,388

November 2025 to January 2026

100,000 bonus miles after spending $10,000 on purchases inside the first six months of account opening

$1,850

March 2022 to November 2025

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 inside the first six months of account opening

$1,850

*Bonus provide worth relies on TPG’s January 2026 valuations and never offered by the bank card issuer.

Highest welcome provide

The very best provide we have seen on this card provided 100,000 bonus miles earned after spending $10,000 on purchases inside the first six months of account opening.

When to use for this card

When the bonus provide is 75,000 miles or increased, it is a good time to use.

Study extra: Capital One Enterprise X Rewards Credit score Card

Associated: Is the Capital One Enterprise X well worth the $395 annual charge?

Capital One Enterprise X Enterprise

The Enterprise X Enterprise launched in early 2023 with an unbelievable welcome bonus and an identical sky-high spending requirement.

The Enterprise X Enterprise carries the identical $395 annual charge as the private model and affords the identical main perks, together with a $300 annual journey credit score for bookings made by way of Capital One Enterprise Journey and entry to Capital One and Precedence Go lounges. It additionally carries the identical incomes charges because the Enterprise X.

a hand holds a credit card
THE POINTS GUY

Listed here are the affords we have seen on the Capital One Enterprise X Enterprise:

Welcome provide historical past

Approximate dateOfferValue*

Earn 150,000 bonus miles after spending $30,000 within the first three months from account opening.

$2,775

As much as 400,000 bonus miles: 200,000 miles after spending $30,000 on purchases within the first three months from account opening, plus an extra 200,000 miles after spending $150,000 on purchases within the first six months.

As much as $7,400

June 2025 to November 2025

150,000 miles after spending $30,000 on purchases within the first three months from account opening

$2,775

As much as 350,000 miles: 150,000 miles after spending $30,000 on purchases within the first three months of account opening, plus an extra 200,000 miles after spending $200,000 on purchases within the first six months of account opening

As much as $6,475

150,000 miles after spending $30,000 on purchases within the first three months from account opening

$2,775

January 2024 to March 2024

As much as 300,000 miles: 150,000 miles after spending $20,000 on purchases within the first three months of account opening and one other 150,000 miles after spending $100,000 on purchases within the first six months of account opening

$5,550

September 2023 to January 2024

150,000 miles after spending $30,000 on purchases within the first three months from account opening

$2,775

Could 2023 to September 2023

As much as 300,000 miles: 150,000 miles after spending $30,000 on purchases within the first three months of account opening and one other 150,000 miles after spending $500,000 on purchases within the first six months of account opening.

$5,550

*Bonus provide worth relies on TPG’s January 2026 valuations and never offered by the bank card issuer.

Highest welcome provide

The very best provide we have seen on this card is as much as 400,000 bonus miles: earn 200,000 miles after spending $30,000 on purchases within the first three months from account opening, plus an extra 200,000 miles after spending $150,000 on purchases within the first six months.

When to use for this card

When the bonus provide is 150,000 miles or increased, it meets our standards on when to use.

Study extra: Capital One Enterprise X Enterprise

Associated: Is the Enterprise X Enterprise well worth the $395 annual charge?

Capital One VentureOne Rewards Credit score Card

Whereas it comes with fewer perks, the Capital One VentureOne Rewards affords the identical nice redemption choices as its sister playing cards, the Capital One Enterprise Rewards and the Capital One Enterprise X, with no annual charge. You may earn a flat 1.25 miles per greenback spent on on a regular basis purchases.

Card art of the Capital One VentureOne
THE POINTS GUY

At present, new cardholders can earn a bonus of 20,000 miles after spending $500 on purchases inside three months from account opening.

Highest welcome provide

The very best provide we have seen included a $100 Capital One Journey credit score to make use of within the first 12 months, and 20,000 miles that may be earned after spending $500 on purchases inside the first three months of account opening.

When to use for this card

When the bonus provide is 20,000 miles or increased.

Study extra: Capital One VentureOne Rewards Credit score Card

Associated: How (and why) it’s best to earn transferable bank card factors

Capital One Savor Money Rewards Credit score Card

The most important downsides to cash-back playing cards are low incomes charges and an absence of bonus classes, however that is undoubtedly not true of the Capital One Savor Money Rewards.

For no annual charge, the Savor affords sturdy cash-back incomes charges on fashionable and infrequently neglected classes, together with 3% again on eating, leisure and fashionable streaming companies.

Capital One Savor
THE POINTS GUY

At present, new cardholders can earn a one-time $200 money bonus after spending $500 on purchases inside the first three months from account opening.

Highest welcome provide

The very best provide we have seen included a $100 Capital One Journey credit score to make use of within the first 12 months, and a $200 money bonus earned after spending $500 on purchases inside the first three months of account opening.

When to use for this card

When the bonus provide is $200 or increased, it meets our standards for when to use.

Study extra: Capital One Savor Money Rewards Credit score Card

Associated: The professionals and cons of cash-back bank cards

Capital One Quicksilver Money Rewards Credit score Card

The Capital One Quicksilver Money Rewards is one other nice card with no annual charge. It earns a dependable 1.5% money 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 provide increased incomes potential in particular spending classes, this card affords the security of realizing you may earn a strong 1.5% again it doesn’t matter what you purchase.

Capital One Quicksilver Cash Rewards
THE POINTS GUY

At present, new cardholders can earn a one-time $200 money bonus after spending $500 on purchases inside three months from account opening.

Highest welcome provide

The very best provide we have seen included a $100 Capital One Journey credit score to make use of within the first 12 months, and a $200 money bonus earned after spending $500 on purchases inside the first three months of account opening.

When to use for this card

When the bonus provide is $200 or increased, it meets our standards for when to use.

Study extra: Capital One Quicksilver Money Rewards Credit score Card

Associated: 5 causes to maintain a cash-back bank card in your pockets

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 selection for small-business house owners who need to earn journey rewards on all their bills and a easy earnings construction.

This card is very helpful for small-business house owners 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 charge ($0 introductory annual charge for the primary 12 months).

a hand holds a credit card
THE POINTS GUY

At present, new cardholders can earn 50,000 bonus miles after spending $4,500 on purchases within the first three months from account opening.

Highest welcome provide

The very best welcome provide we have seen on this card is the present provide of fifty,000 bonus miles after spending $4,500 within the first three months from account opening

When to use for this card

When the bonus is increased than 50,000 miles, it is a good time to use. That stated, this card’s welcome provide hardly ever modifications, so do not maintain out ready for an important provide.

Study extra: Capital One Spark Miles for Enterprise

Associated: Enterprise playing cards vs. private playing cards: Key variations

Capital One Spark Money Plus

The Capital One Spark Money Plus earns 2% money again on all purchases and is right for enterprise house owners who need to earn dependable cash-back rewards on all their bills. It’s value noting that this can be a no preset spending restrict card, that means cardholders should repay their balances in full every month.

The cardboard has a modest $150 annual charge that may be refunded once you spend at the least $150,000.

THE POINTS GUY

Listed here are the affords we have seen on the Capital One Spark Money Plus:

Welcome provide historical past

Approximate dateOfferValue* 

$2,000 money again after spending $30,000 on purchases within the first three months from account opening and an extra $2,000 money bonus for each $500,000 spent throughout the first 12 months

$2,000 (or extra, relying on spending within the first 12 months)

March 2024 to August 2024

$1,200 money again after spending $30,000 on purchases 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 on purchases within the first three months from account opening and an extra $1,500 after spending $100,000 on purchases within the first six months from account opening

As much as $3,000

June 2023 to January 2024

$1,200 money again after spending $30,000 on purchases within the first three months from account opening

$1,200

As much as $1,000: $500 after spending $5,000 on purchases within the first three months from account opening and $500 after spending $50,000 on purchases within the first six months from account opening

As much as $1,000

August 2021 to April 2022

As much as $3,000: $500 after spending $5,000 on purchases within the first three months from account opening and $2,500 after spending $50,000 on purchases within the first six months from account opening

As much as $3,000

*Bonus provide worth relies on TPG’s January 2026 valuations and never offered by the bank card issuer.

Highest welcome provide

The very best welcome provide we have seen on this card provided as much as $3,000: $500 after spending $5,000 on purchases within the first three months from account opening and $2,500 after spending $50,000 on purchases within the first six months from account opening.

When to use for this card

When the bonus is increased than $1,000, it meets our standards to use.

Study extra: Capital One Spark Money Plus

Associated: A information to Capital One’s Spark enterprise playing cards

Backside line

Earlier than you go fill out a Capital One bank card software, you may need to guarantee you will get the most effective welcome bonus attainable. We have collected knowledge 12 months over 12 months on Capital One welcome affords that may give you some steering on the most effective time to use.

This information can function a reference for the most effective time to use in your subsequent Capital One card.

Try our different provide historical past guides once you’re seeking to apply in your subsequent bank card:

For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.



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