Capital One
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
24,000 points a year at 1.00¢ = $240, $400 of credits you'd actually use, minus the $395 annual fee = $245 a year. The 75,000-point welcome bonus adds $750 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 2× Capital One Miles | none |
| Flights, hotels and transport | 2× Capital One Miles | none |
| Groceries | 2× Capital One Miles | none |
| Everything else | 2× Capital One Miles | none |
2x on everything, 5x on flights and 10x on hotels booked through Capital One Travel.
Capital One Miles points are worth about 1.00 cents each on our published table, our own. What Capital One Miles points are worth →
75,000 Capital One Miles — about $750 — after $4,000 of spending in 3 months. The example spending above does not clear that, so it is left out of the sum.
Credits count for $400 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. $300 annual travel credit through Capital One Travel plus a 10,000-mile anniversary bonus, counted here at our published Capital One rate.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.