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TravelThe best time to apply for these popular Capital One credit cards,...

The best time to apply for these popular Capital One credit cards, based on offer history


If you’re considering applying for a credit card, you’re probably wondering whether the current sign-up bonus is a good one.

While any bonus is nice to get, there’s a special kind of heartbreak in pulling the trigger for a card — only to see it offer a lucrative bonus the following month.

There’s no easy answer to precisely when is the best time to apply for a card, but it does help to know what a card has offered in the past to help determine how good the current offer is.

We’ve rounded up the offer history on the most popular cards from Capital One and determined our criteria for the best time to apply for each card.

Best Capital One credit card sign-up bonuses

Card Best welcome offer we’ve seen When to apply
Capital One Venture Rewards Credit Card 100,000 bonus miles when you spend $5,000 on purchases in the first three months from account opening When the bonus offer is 75,000 miles or higher
Capital One Venture X Rewards Credit Card 100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening When the bonus offer is 75,000 miles or higher
Capital One Venture X Business 300,000 bonus miles: 150,000 after spending $20,000 in the first three months of account opening and another 150,000 after spending $100,000 in the first six months of account opening When the bonus offer is 150,000 miles or higher
Capital One VentureOne Rewards Credit Card 20,000 bonus miles once you spend $500 on purchases within the first three months from account opening When the bonus offer is 20,000 miles or higher
Capital One Savor Cash Rewards Credit Card* $300 cash bonus once you spend $3,000 on purchases within three months from account opening When the bonus offer is $300 or higher
Capital One SavorOne Cash Rewards Credit Card $200 cash bonus after spending $500 on purchases within the first three months from account opening When the bonus offer is $200 or higher
Capital One Quicksilver Cash Rewards Credit Card $200 bonus after spending $500 in the first three months from account opening When the bonus offer is $200 or higher
Capital One Spark Miles for Business 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 the bonus is higher than 50,000 miles
Capital One Spark Cash Plus 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 the bonus is higher than $1,000

*The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card earns unlimited 2 miles per dollar on every purchase, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

THE POINTS GUY

The card’s modest annual fee, simple earning structure and solid return on everyday spending make it a keeper once you’re approved for it.

Approximate date Offer Value*
June 2023 to now 80,000-100,000 miles after spending $5,000 on purchases in the first three months (targeted offer available through QR codes at select airports)

Current offer: 75,000 miles after spending $4,000 on purchases in the first three months of account opening (public offer)

$1,480-$1,850 (targeted offer)

$1,388 (public offer)

September 2021 to June 2023 75,000 miles after spending $4,000 on purchases in the first three months $1,388
May to August 2021 60,000 miles after spending $3,000 on purchases in the first three months $1,110
September 2020 to April 2021 50,000 miles if you spend $3,000 on purchases in the first three months from account opening, or 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening $925 or $1,850
November 2019 to August 2020 50,000 miles after spending $3,000 on purchases in the first three months $925
March to October 2019 60,000 miles after spending $3,000 on purchases in the first three months $1,110
December 2014 to February 2019 40,000 miles after spending $3,000 on purchases in the first three months $740

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is 75,000 miles or higher.

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Learn more: Capital One Venture Rewards Credit Card


Capital One Venture X Rewards Credit Card

With plentiful perks that are easy to understand, the Capital One Venture X Rewards Credit Card is nearly a no-brainer for all travelers, ranging from luxury seekers to the more budget-minded. It launched in November 2021 with a 100,000-mile offer; however, we don’t see that coming back.

THE POINTS GUY

Though the card carries a $395 annual fee (see rates and fees), it offers a $300 annual credit toward bookings made through Capital One Travel, and also rewards cardholders with 10,000 bonus miles every account anniversary (for even more free travel), plus extensive airport lounge access, excellent travel protections and rental car privileges.

It offers unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights booked through Capital One Travel and 2 miles per dollar on every other purchase.

Approximate date Offer Value*
March 2022 to now 75,000 miles after spending $4,000 on purchases in the first three months of account opening. $1,388
November 2021 to March 2022 100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening $1,850

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is 75,000 miles or higher.


Learn more: Capital One Venture X Rewards Credit Card


Capital One Venture X Business

The Venture X Business launched in early 2023 with an incredible welcome bonus and a matching sky-high spending requirement. At first only available through a Capital One Relationship Manager, the card became publicly available a few months later with a lower — but still impressive— welcome offer.

THE POINTS GUY

The Business Venture X carries the same $395 annual fee (see rates and fees) as the personal version and comes with the same major perks, including a $300 annual credit for travel booked through Capital One Travel and access to Capital One, Priority Pass and Plaza Premium lounges.

It also carries the same earning rates of 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights purchased through Capital One Travel and 2 miles per dollar on all other purchases.

Approximate date Offer Value*
March 2024 to now 150,000 miles after spending $30,000 in the first three months from account opening $2,775
January 2024 to March 2024 Up to 300,000 miles: 150,000 after spending $20,000 in the first three months of account opening and another 150,000 after spending $100,000 in the first six months of account opening $5,550
September 2023 to January 2024 150,000 miles after spending $30,000 in the first three months from account opening $2,775
May 2023 to September 2023 Up to 300,000 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. $5,550

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is 150,000 miles or higher.


Learn more: Capital One Venture X Business


Capital One VentureOne Rewards Credit Card

While it comes with fewer perks, the Capital One VentureOne Rewards Credit Card offers the same great redemption options as its sister cards, the Capital One Venture Rewards Credit Card and the Capital One Venture X Rewards Credit Card, with no annual fee (see rates and fees).

THE POINTS GUY

You’ll earn a flat 1.25 miles per dollar on everyday purchases, which equates to a solid 2.31% return using TPG’s valuations.

Approximate date Offer Value*
September 2021 to now 20,000 miles after spending $500 on purchases within the first three months from account opening $370
December 2014 to August 2021 20,000 miles after spending $1,000 on purchases within the first three months from account opening $370

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is 20,000 miles or higher.


Learn more: Capital One VentureOne Rewards Credit Card


Capital One Savor Cash Rewards Credit Card

The biggest downsides to cash-back cards are low earning rates and a lack of bonus categories, but that’s definitely not true of the Capital One Savor Cash Rewards Credit Card.

THE POINTS GUY

For an annual fee of $95, the Savor offers strong cash-back earning rates on popular and often overlooked categories, including 4% back on dining, entertainment and popular streaming services.

Approximate date Offer Value*
November 2017 to now $300 cash bonus once you spend $3,000 on purchases within three months from account opening $300

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is $300 or higher.

The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.


Learn more: Capital One Savor Cash Rewards Credit Card


Capital One SavorOne Cash Rewards Credit Card

Like its older sibling, the Capital One SavorOne Cash Rewards Credit Card offers impressive bonus categories but with no annual fee (see rates and fees).

THE POINTS GUY

The SavorOne launched in 2018 as a version of the Savor card with no annual fee. While it earns slightly less than the Savor, this card still earns 10% cash back on purchases made through Uber and Uber Eats (through Nov. 14, 2024), 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, and unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).

Approximate date Offer Value*
May 2023 to now $200 cash bonus after spending $500 on purchases within the first three months from account opening $200
November 2020 to May 2023 $200 cash bonus after spending $500 on purchases within the first three months from account opening $200
August 2018 to November 2020 $150 bonus after spending $500 in the first three months from account opening $150

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is $200 or higher.


Learn more: Capital One SavorOne Cash Rewards Credit Card


Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card is another great card with no annual fee (see rates and fees). It earns a reliable 1.5% back on all purchases, making it a perfect go-to card for the odd purchase that doesn’t fit in any bonus categories.

THE POINTS GUY

While many other cards offer higher earning potential in specific spending categories, this card offers the safety of knowing you’ll earn a solid 1.5% back no matter what you buy.

Approximate date Offer Value*
September 2019 to now $200 bonus after spending $500 in the first three months from account opening $200

 

September 2017 to September 2019 $150 bonus after spending $500 in the first three months from account opening $150
June 2013 to Sept. 2017 $100 bonus after spending $500 in the first three months from account opening $100

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus offer is $200 or higher.


Learn more: Capital One Quicksilver Cash Rewards Credit Card


Capital One Spark Miles for Business

The Capital One Spark Miles for Business earns 2 miles per dollar spent on all purchases, making it an excellent choice for small-business owners who want to earn travel rewards on all their expenses.

THE POINTS GUY

This card is especially beneficial for small-business owners who want to earn flexible miles on all their purchases. It earns a consistent 2 miles per dollar spent on all purchases and has a $95 annual fee waived for the first year of card ownership (see rates and fees).

Approximate date Offer Value* 
January 2020 to now 50,000 bonus miles after spending $4,500 in the first three months from account opening $925
October 2019 to January 2020 Earn up to 200,000 bonus miles: 50,000 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. Up to $3,700
January to October 2019 Earn 50,000 bonus miles after spending $4,500 in the first three months from account opening. $925
November 2018 to January 2019 Earn up to 200,000 bonus miles: 50,000 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. Up to $3,700
May 2017 to November 2018 Earn 50,000 bonus miles after spending $4,500 in the first three months from account opening. $925

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus is higher than 50,000 miles.


Learn more: Capital One Spark Miles for Business


Capital One Spark Cash Plus

The Capital One Spark Cash Plus earns 2% cash back on all purchases and is ideal for business owners who want to earn reliable cash-back rewards on all their expenses.

THE POINTS GUY

This card offers one of the highest consistent cash-back earning rates of any card and is excellent for small-business owners who want to earn cash back on all purchases. It is worth noting that this is a charge card, meaning cardholders must pay off their balances in full each month.

Approximate date Offer Value* 
March 2024 to now Earn $1,200 cash back after spending $30,000 in the first three months from account opening $1,200
January 2024 to March 2024 Earn up to $3,000: $1,500 after spending $20,000 in the first three months from account opening and an additional $1,500 after spending $100,000 in the first six months Up to $3,000
June 2023 to January 2024 Earn $1,200 cash back after spending $30,000 in the first three months from account opening $1,200
April 2022 to June 2023 Earn up to $1,000: $500 after spending $5,000 in the first three months from account opening and $500 after spending $50,000 in the first six months Up to $1,000
August 2021 to April 2022 Earn 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 Up to $3,000

*Bonus offer value is based on TPG’s June 2024 valuations and not provided by the credit card issuer.

When to apply for this card: When the bonus is higher than $1,000.


Learn more: Capital One Spark Cash Plus


For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Bottom line

When you’re considering applying for a card — any card — you’ll want to consider whether its sign-up bonus is historically high.

Use our offer history guides as a reference point as you evaluate the pros and cons of signing up for any card:

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