Shopping online is a great way to buy things without having to leave your house. One big concern of online shopping:

You may accidentally enter your card number on a less reputable site, or the online retailer might be hacked down the road, revealing your payment information to the hacker. To address these worries, Capital One lets credit card customers create virtual account numbers for safer online shopping.

Capital One Eno is an intelligent virtual assistant that was created to help customers make the most of their credit cards. You can sign up for Eno through Capital One’s website.

From there, all you have to do is text questions or actions to Eno. The digital assistant can help with various tasks that include:

Featured credit card: One of the most useful features of Eno is the ability to quickly create virtual card numbers that you can use to make purchases.

Every credit card has a card number. For Capital One cards, the number is 16 digits long.

If someone is able to get ahold of your card number, they could use it to make online purchases without your permission. When you create a virtual card number, you’re creating a second card number that is tied to your real card number.

You might consider using Eno because it’s much easier to prevent fraud when you use a virtual card number. If someone steals your real card number, you have to ask the card issuer to send you a new card with an entirely new account number.

With a virtual card number, you can set specific expiration dates, spending limits, or other restrictions. If someone steals a virtual card number, they’re likely to be blocked if they try to use it to make a purchase.

You could create a separate virtual card number for every online merchant you shop at, making it easy to determine how someone got access to your card number. Using Eno to make a virtual card number is easy.

One of the best things about Eno: You don’t have to remember the virtual numbers that it creates for you.

That’s good news because you’re likely to have a lot of virtual card numbers. The card numbers it creates are tied to the specific merchant you’re buying from at the time that the number is created.

Keep in mind, virtual account numbers are only for online shopping. You can’t use them at brick-and-mortar stores.

You have to keep track of each number’s expiration date. If you pay for a recurring subscription with a virtual account number and it expires, you might lose service when the company tries to charge your now expired virtual card.

The number one reason to use a virtual account number is security. The reality is that online merchants are a major target for online crime because of the amount of payment information that they have.

Cybersecurity experts and cybercriminals are constantly trying to outpace the other when it comes to discovering and exploiting new bugs and techniques. In all likelihood, your card information being compromised is a when rather than an if.

Using a virtual account number can significantly reduce the impact of having your payment information compromised. If someone steals your true credit card number, you’ll need to get an entirely new card.

This can be an arduous process and you’re likely to miss a few merchants. Using a virtual card number makes dealing with this kind of situation much easier.

There’s no waiting for a new card to show up and no updating card information with multiple merchants. Returning an item bought with a virtual card number is no problem.

Similarly, if you return something that you purchase, Capital One will credit the return against your actual card, even if the merchant reports the return to Capital One using your virtual card number. In short, there is almost no reason that you should not use a virtual account number.

There’s nothing extra required, just use the virtual card numbers as though they were regular card numbers, and pay your bill like usual. Everything else will be the same.

The only exceptions to this are situations where you may new to show your card to confirm a reservation or pick up tickets. If you use a virtual card number for this type of purchase, the merchant will never see your real card number.

In these cases, it might be better to make the purchase without using a virtual card number. That will make it easy to go to the merchant and show them the card so you can check in to the hotel or pick up your tickets.

There’s no reason not to take advantage of this service, so keep your card protected by using a virtual card number whenever possible.

Our experts answer readers’ credit card questions and write unbiased product reviews (here’s how we assess credit cards). In some cases, we receive a commission from our partners.

Terms apply to offers listed on this page. Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel.

Earn unlimited 2 miles on all other purchases. $395.

19.99% – 29.99% variable. Earn 75,000 bonus miles.

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

Earn 1X Points on other purchases. $695.

See Pay Over Time APR. Earn 80,000 Membership Rewards® points.

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

Along with a substantial welcome bonus offer, the card offers a vast range of statement credits and perks — including up to $200 in annual airline fee credit**, more airport lounge access options than any other card, complimentary elite status with Hilton and Marriott**, and up to $200 in Uber credits** every year.

Many cardholders are able to get much more than that in value each year, but if you’re not able to maximize the benefits, paying $695 for a card won’t be worth it. But there’s another premium credit card that offers many of the same perks for a much lower annual fee.

If you’re looking for a card that offers premium benefits and top-notch travel and purchase coverage, either of these cards would be a good fit. Besides the difference in annual fees, there are other factors to consider before you decide which card is best for you.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees.

The Amex Platinum Card welcome bonus offer is 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new card in your first six months of card membership. That’s worth around $1,440 in travel, based on Insider’s valuation of Amex points.

Again, based on Insider’s valuation of Capital One miles, this bonus is worth about $1,275 in travel. The value of Capital One miles and Amex Membership Rewards points vary depending on how you redeem your rewards.

Insider’s points and miles valuations peg Amex Membership Rewards points as worth, on average, 1.8 cents apiece. Capital One miles have a slightly lower average value of 1.7 cents each, largely due to Amex’s transfer partners being more useful for average travelers.

Cardholders earn 5x points on airfare purchased directly through the airline, and on flights and hotels booked through Amex Travel (5x points on flights booked directly with airlines or with Amex Travel applies to up to $500,000 per calendar year). Otherwise, the card earns 1 point per dollar on all other eligible purchases.

All other eligible purchases earn 2 miles per dollar. Overall, you have the potential to earn more rewards on non-bonus category spending with the Capital One Venture X Rewards Credit Card, at 2 miles per dollar versus 1 point per dollar with the Amex Platinum Card.

The Capital One Venture X Rewards Credit Card offers a straightforward annual travel credit: Each year, cardholders receive $300 in credits toward flight, hotel, or car rental purchases made through Capital One Travel. While booking through Capital One Travel means you may not earn hotel or car rental points (or have your loyalty status recognized), it should be fairly easy for most folks to maximize this credit.

Cardholders can now access a free subscription to PRIOR, a luxury travel company. A subscription normally costs $149 per year, and includes access to exclusive, once-in-a-lifetime trips, a library of global travel guides, a biweekly newsletter, and early booking to the service’s pre-built trips.

You can get: By dollar value alone, the Amex Platinum Card comes out ahead — as long as you’re able to maximize the credits.

Both the Amex Platinum Card and Capital One Venture X Rewards Credit Card offer statement credit toward the Global Entry or TSA PreCheck application fee. These trusted traveler programs are worth having if you’re a frequent flyer, because they can save you a lot of time waiting in line at the airport.

On the Capital One Venture X Rewards Credit Card, you’ll receive a credit for either program’s application fee once every four years. With the Amex Platinum Card, the credit is available every four years for Global Entry, but 4.5 years for TSA PreCheck.

Here’s the full list: Both the Amex Platinum Card and Capital One Venture X Rewards Credit Card earn flexible rewards you can transfer an array of airline and hotel partners, but your options with each program are different.

Meanwhile, Capital One miles transfer to 18 airline and hotel partners, also mostly at a 1:1 ratio (except noted): Before you commit to either program, consider the transfer partners you’re likely to use.

Even if your favorite airline isn’t listed, it may be possible to redeem rewards for award flights through alliances and partnerships. For example, if you prefer United, which isn’t a transfer partner of either program, you can transfer rewards to Air Canada Aeroplan or Singapore Airlines.

Capital One Venture X Rewards Credit Card cardholders receive a 10,000-mile bonus each year on their account anniversary. Capital One miles are worth 1 cent each when you redeem them toward travel purchases (and potentially more when you transfer to partners), so this bonus is worth at least $100 in travel.

The Amex Platinum Card doesn’t offer an anniversary points bonus. The Amex Platinum Card offers the widest airport lounge access of any premium card.

These include: The Capital One Venture X Rewards Credit Card also offers Priority Pass airport lounge membership, and the access it offers is actually slightly better than membership that comes with the Amex Platinum Card.

However, it’s important to note that effective January 1, 2023, the Priority Pass membership that comes with the Capital One Venture X Rewards Credit Card will no longer include airport restaurants, spas, or other non-lounge experiences. Amex cards also removed airport restaurant credits from.

(Many of the links in this article redirect to a specific reviewed product. Your purchase of these products through affiliate links helps to generate commission for LiveWell, at no extra cost.

Managing credit card payments is an essential part of personal finance, and for Capital One credit card holders, it’s crucial to understand how to pay your bill on time and efficiently. Capital One offers convenient methods to pay your credit card bill, whether online, through their mobile app, over the phone, or by mail.

Before we dive into the various payment methods, it’s important to highlight the benefits of paying your Capital One credit card bill promptly. First and foremost, making timely payments ensures that you avoid any late fees or penalties, which can have a negative impact on your credit score.

By understanding and utilizing the available payment options, you can effectively manage your Capital One credit card and maintain a healthy financial standing. Now that we understand the importance of paying your Capital One credit card bill on time, let’s explore the different methods available to you.

Let’s delve into each method in detail, so you can find the one that works best for you.

This will allow you to securely access your account information, view your statements, and make payments conveniently from the comfort of your own home. Here are the steps to set up your online account:

You can now log in to your account using your username and password to manage your credit card payments and access other account features. Setting up an online account offers several benefits.

Additionally, by opting for paperless statements, you can help reduce paper waste and contribute to a greener environment. With your online account set up, you’re now ready to explore the various methods available to pay your Capital One credit card bill.

Once you have set up your online account with Capital One, you can easily make payments for your credit card bill through their website. This method provides a convenient and secure way to manage your payments.

It’s important to note that you have the option to make a minimum payment, pay the statement balance in full, or choose a custom payment amount. If you choose the minimum payment, keep in mind that you may incur interest charges on the remaining balance.

Additionally, you have the flexibility to set up recurring payments or establish a payment reminder to ensure you never miss a due date. After successfully completing your payment, remember to check your account balance to ensure the transaction has been processed correctly.

Using the Capital One website to make payments is an efficient and straightforward method. It offers convenience, flexibility, and peace of mind knowing that your transactions are protected and easily accessible.

In today’s digital age, mobile apps have become a popular way to manage various aspects of our lives, including finances. Capital One offers a user-friendly mobile app that allows you to conveniently make payments for your credit card bill on the go.

The mobile app also provides the option to set up recurring payments, allowing you to automate your credit card bill payments. This can be particularly useful if you prefer the convenience of not having to manually make a payment each month.

It provides a seamless and secure experience, giving you the flexibility to manage your credit card payments from anywhere at any time. After making your payment via the mobile app, it’s always advisable to check your account balance to ensure the transaction has been processed successfully.

The Capital One mobile app is a convenient and efficient method for paying your credit card bill. It puts the power of managing your finances right at your fingertips.

We will discuss this method in the next step.

Capital One provides a dedicated customer service line where you can make your payment securely and conveniently. Follow these steps to pay your Capital One credit card bill over the phone:

After making your payment, it’s advisable to check your account balance to ensure the transaction has been processed successfully. The payment should reflect in your account within a few business days.

It allows you the opportunity to speak to a customer service representative if you have any questions or concerns. However, if you prefer a more traditional approach, you can still choose to mail your payment.

If you prefer a more traditional method or are unable to make a payment online or over the phone, you can still pay your Capital One credit card bill by mail. Follow these steps to mail your payment:

Capital One typically recommends allowing at least seven to ten days for processing, so plan accordingly. When paying by mail, it’s highly recommended to keep a copy of your check or money order, as well as the payment stub or proof of mailing, for your records.

Once your payment is received and processed by Capital One, it should reflect in your account within a reasonable timeframe. If you have any concerns or questions about your mailed payment, you can contact Capital One’s customer service for assistance.

While it may take a bit longer for the payment to be processed compared to other methods, it can be a suitable option for those who prefer the offline approach. Now that we have discussed various payment methods, let’s explore setting up automatic payments for your Capital One credit card bill in the next step.

To simplify your credit card bill payment process and ensure that you never miss a payment, Capital One offers the convenience of setting up automatic payments. By setting up automatic payments, you can have your monthly credit card bill paid automatically from your designated bank account.

Once you have set up automatic payments, your Capital One credit card bill will be paid automatically on the scheduled date from your designated bank account. This eliminates the need for manual payments each month and reduces the risk of forgetting or missing a payment.

You should also regularly check your bank account and credit card statements to ensure the automatic payments are being processed correctly. If you wish to make any changes to your automatic payments, such as updating the payment amount or changing the bank account details, you can easily do so by accessing your online account or contacting Capital One’s customer service.

It helps you stay in control of your finances and avoids any late fees or penalties. With the six steps discussed in this guide, you now have a comprehensive understanding of the various methods available to pay your Capital One credit card bill.

The world of points, miles and credit cards can be complex — full of potentially confusing terms and unfamiliar abbreviations. That’s what makes a card like the Capital One Venture Rewards Credit Card such a precious commodity, with its simplicity in redeeming miles and a number of valuable airline and hotel transfer partners.

With the many ways to use your rewards, booking free travel can be as complicated or effortless as you make it. Here are seven reasons why the Capital One Venture is one of the best rewards credit cards to have in your wallet.

The Capital One Venture card offers a sign-up bonus of 75,000 miles after you spend $4,000 on the card within the first three months of account opening. This is a notable jump from the standard offering.

Of course, it’s possible to get even more value from them depending on which transfer partners you leverage and which awards you book. However, if you use your miles at a fixed value for travel purchases, you’ll still get $750 worth of flights, hotels or car rentals.

But what about purchases that don’t fall under one of these categories, such as online shopping, gym memberships or kitchen appliances.

You’ll also earn 5 miles per dollar on hotels and car rentals booked through the Capital One travel portal. But for everyday spending, the Venture is ideal since there are no categories to keep track of and no bonuses to worry about missing out on.

This means you can effectively cover eligible travel purchases made in the last 90 days by redeeming your miles at a rate of 1 cent each. There’s no minimum redemption amount, either (unless you don’t have enough miles to cover the entire purchase, in which case the minimum is 2,500 miles).

You can use 560 miles — as each mile is worth 1 cent — to cover this small purchase. Capital One makes it easy to redeem your miles this way, and you have two options.

You can squeeze more value out of your Capital One miles by transferring them to any of the following 15+ travel loyalty partners. All of your Capital One miles will transfer at a simple 1:1 rate, with the exception of two partners (as noted below):

You have airlines covering all three major alliances and several non-alliance airlines, such as Etihad and Emirates. Some of these options (such as Finnair) are unique to Capital One, too.

You can convert cash-back rewards from Capital One into miles if you also have a Capital One miles-earning card. For example, you can turn the cash back you earn with the Capital One Savor Cash Rewards Credit Card into miles if you’ve also got the Capital One Venture or the no-annual-fee Capital One VentureOne Rewards Credit Card (see rates and fees).

The information for the Capital One Savor Cash Rewards 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.

*These benefits are only available to accounts approved for the Visa Signature card. Terms apply.

Folks with the Capital One Venture X Rewards Credit Card get unlimited access for themselves and up to two guests, but Venture Rewards cardholders aren’t entirely left out. The Capital One Venture card only charges a $95 annual fee (see rates and fees), which is a low cost for such a potentially valuable card.

Related: The 8 best credit cards with annual fees under $100. However, be sure to crunch the numbers and make sure that the higher-priced Venture X card doesn’t make more sense for your situation.

Read more: Credit card showdown: Capital One Venture vs. Capital One Venture X.

Not only do you accumulate 2 miles per dollar on every purchase, but you also can keep things simple and flexible by redeeming your miles for the travel purchases you put on the card. If you decide to study award charts and look for sweet spots instead, you’ll have lots of airline and hotel programs to choose from in the Capital One transfer partner lineup.

All that and more is why the card deserves a place in your wallet, especially with its elevated 75,000-mile offer. Official application link: Capital One Venture Rewards Card.

See the respective Guide to Benefits for details, as terms and exclusions apply. Additional reporting by Ryan Wilcox, Stella Shon and Joseph Hostetler.

The Capital One Platinum Credit Card comes with simple, straightforward benefits targeted toward those with less-than-perfect credit. While it doesn’t have a sign-up bonus or ongoing rewards for spending, the card’s perks could be useful in certain situations.

A few Capital One Platinum benefits that may be most useful to you are aimed at helping you build credit — especially considering this is a credit card designed for people whose credit is a work in progress. Capital One markets this card to people with fair credit, which generally means a FICO score between 580 and 669.

Thankfully, this card offers a handful of tools to help. Probably the most useful of these credit-building benefits is the regular credit line reviews.

So, even though you may start with a fairly low credit limit, if you follow good financial practices — like paying your bill in full each month — your credit line can increase. And since the total amount of available credit is one factor that makes up your FICO credit score, having a higher credit limit can help raise your score.

With this service, you can get email alerts whenever your credit report changes, notifying you of potentially fraudulent or unexpected charges. Capital One will also monitor your Social Security number and identity information on the dark web.

Like most rewards credit cards, the Capital One Platinum offers $0 fraud liability. This means that if your card is lost or stolen, you won’t be liable for any charges made by unauthorized users.

Further, you can get a free replacement card that will arrive within a few business days. You can rest easy knowing Capital One is always monitoring your account information.

That way, you can either confirm the transaction or take decisive action to lock your card if it is being used fraudulently. If you’re concerned about giving your credit card information out, another nice feature is the ability to get a virtual or one-time card number through Eno.

While the Capital One Platinum doesn’t offer rewards for your purchases or a first-year welcome bonus, this credit-building card is low on fees. As a cardholder, you won’t owe an annual fee or foreign transaction fees for purchases made outside of the United States.

Capital One makes it easy to use the Platinum Card, especially through its mobile app. Capital One Mobile allows you to access account information like your balance, spending history and more, from wherever you are.

Since the Capital One Platinum is designed to help people improve their overall credit profile, the main Capital One Platinum Card benefits that you’ll want to maximize are the ones that help you do just that. The regular credit line increases start after six months of having the card and are automatic, so there is no need to enroll or do anything to receive this benefit.

If you’re working on building up your credit score, you’ll definitely want to take advantage of the Capital One CreditWise benefit as well. CreditWise offers a ton of articles and information about credit and what’s affecting your credit score specifically.

Lastly, as noted, CreditWise also allows you to monitor your credit score and credit report, so you’ll be the first to know if your credit score changes. The Capital One Platinum is a basic credit card targeted to those with fair credit.

Whether the Capital One Platinum is worth it is up to you, but before you apply, consider reading through our list of credit cards for fair and average credit. Editorial Disclaimer.

It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

How do I start getting notifications from Eno.

That’s right, Eno is already looking out for you.

Text and app push notifications If you’re a Capital One banking or credit card customer1, manage your account with Capital One online, and have given Capital One permission to contact you, then you should already be receiving text and app notifications from Eno. Eno currently has the most robust capabilities and features for credit card customers.

Currently, virtual card numbers from Eno are available for Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari web browsers. How do I get started chatting with Eno.

Most Capital One customers1 can chat with Eno via text messages, in the Capital One Mobile app, or when signed in to our website banking online from a computer. If you are not currently eligible to chat with Eno, rest assured that Eno will be rolled out to additional customers over time.

You’re all set. Start chatting with Eno by sending a text message to 227-898.

For terms and privacy information, click here.

Select one of the suggested questions or type your own question to start the conversation.

The focal point of this essay is Capital One credit card login. Learn how to log into your Capital One account with this kind of rewards credit card in the next paragraphs, along with detailed instructions.

Every time you make a purchase using this card, you accrue points you can exchange for money, present cards, or travel. Additionally, there is absolutely no yearly charge and you get access to special discounts and deals.

A Capital One credit card offers a range of advantages according to which one you use, including rewards on purchases and interest-free purchases. Capital One gives you the possibility to create an online login to control your account conveniently when it comes time to produce a payment.

The 30 card options provided by Capital One are diverse. Each card has unique features and advantages for various credit profiles.

For references, we recommend credit cards with good or exceptional credit like the Walmart Reward Mastercard, Venture Rewards, Platinum Mastercard, Secured Mastercard lot (with secured balance), Ventureone Rewards, and Quicksilver Rewards (with cash reward). Use this technology to access your account after signing up for online banking and activating your Capital One purchasing card.

TD Ameritrade Signup, Ulta Credit Card Signup, Banana Republic Credit Card. For the full-screen version of the Capital One website, go to verified.capitalone.com/auth/signin or capitalone.com.

Enter your login information only. You can save the username by checking the “Remember me” box.

Select the blue “REGISTER” button. You possibly can make payments now, transactions, and more as the process is over.

you can find them by third , guide back. Click on the Forgot your password or perhaps username.

Enter the last name, social security number, and birthdate on the next tab. Choose the Find Me option.

Your best bet is to start out with the following tips: Visit the registration page for Capital One online banking.

To proceed, click on the blue Get Started button. Fill out the remaining registration-related information.

You must have your new card readily available as the activation code is a three-digit code on the back. Calling the toll-free customer support number is the quickest and most convenient way to contact Capital One.

Call 1-877-383-4802. Press 1 (credit card).

You shall reach a live agent using this method. Request a call transfer to the correct department if your phone is for something apart from credit cards.

Please go to this site for further information: Capital One provides toll-free customer support numbers that are specific to your situation, such as for example: Call 1-800-227-4825 for customer support for those with active accounts.

1-800-219-7931 for secured bank cards. 1-866-750-0873 for online support.

You need to download the Capital One app in order to log in on your device: Go to Google Play or the Apple App Store.

You must enter your username and password to log in after the download is complete. Once you click the Sign In button, the procedure is finished.

Your profile, which includes links to your personal information, security settings, and account settings, is displayed on another primary screen. Help, Alerts & Notifications, Feedback, and Digital Wallet Manager are more possibilities.

You must get an SMS to confirm your phone number to be able to access. This message contains a six-digit code that you must enter.

You will then be prompted to enable alerts. You may manage your account and make payments online once you’ve registered.

To access your Capital One account, log in. Simply select “Pay Invoice.”.

Decide on the payment sum. You have the option of entering a different amount or making the minimum payment required.

Submit your Capital One credit card payment after your bank has been validated. Link:.

Capital One Platinum Secured. The Capital One Platinum Secured credit card is designed for applicants who have low or no credit.

The security deposit starts at $49, there’s no annual or foreign transaction fee, and you can increase the credit line by increasing your deposit. For those that have strong credit, a secured card may not fit your needs.

The is one of the best secured credit cards on the market. Whether you’re a student looking to begin building your credit, or a seasoned credit user needing to repair your credit, the card is a great option to make you a strong player in the credit game.

We broke down the basics behind the card: As with other secured credit cards, you’ll need to pay a security deposit if you’re approved and want to use Capital One Platinum Secured.

You can reclaim your security deposit at any time by paying the card’s balance in full and closing the account. Depending on the information in your application and your credit history, your deposit will be $49, $99, or $200.

You must transfer portions of the deposit from a bank account, rather than writing a check or deposit cash, and each transfer must be for at least $20. Capital One Platinum Secured will send you the card once it receives the entire security deposit, and you have up to 80 days to complete the funding.

Regardless of whether you’re asked to make a $49, $99, or $200 deposit, the limit starts at $200. Additionally, you can raise the credit limit by increasing your security deposit before activating the card.

Over time, your credit limit may also increase based on your payment history and creditworthiness. A high credit limit could help cardholders build credit.

With credit cards, the utilization rate, or the percentage of available credit in use, is an important factor. For example, if you have a $200 credit limit and a $50 balance your utilization rate is 25 percent.

The balance used to determine your utilization rate is the balance on your account when an issuer sends your statement. You could, therefore, have a high utilization rate even if you pay the balance in full each month.

The Capital One Platinum Secured has relatively few fees. To start, cardholders don’t have to worry about an annual fee.

There is a fee of up to $40 for late payments. To avoid the late payment fee, you could set up automatic payments for at least the minimum amount due.

In spite of the low fees, this card has a relatively high annual percentage rate (APR). The rate is variable and may increase or decrease with the Prime Rate, but won’t change based on the cardholder’s creditworthiness.

On a positive note, the Capital One Platinum Secured doesn’t have a penalty APR, an increased interest rate that some cards apply to future transactions and could be triggered by going over one’s credit limit or missing a payment. The low-security deposit, credit limit rules, minimal fees, and high-interest rate are the defining attributes of this card, but you may also be interested in the additional perks and benefits.

You can also make payments online, by check, or at a Capital One branch.

You can use the free CreditWise tool to track your credit score and see how financial decisions might affect your score. CreditWise show’s users their TransUnion Vantage Score, which may differ from the more widely used FICO credit scores.

MasterCard also offers two purchase-related benefits. It doubles the manufacturer’s warranty on select purchases, providing up to one additional year of coverage.

There’s a limit of $250 per claim, and four claims per year. The security deposit starts at just $49 and the ability to pay the deposit over time could make it easier for some people to get the card.

With its high interest rate on purchases and balance transfers, the card may not be a good choice for someone that carries a balance. But, if you’re trying to rebuild or establish your credit and can regularly pay your balance in full this may be a good secured card for you.

Even if you don’t have a Capital One credit card, you can take advantage of some of the best shopping deals in existence thanks to a shopping portal (and app and browser extension) bearing their name. Unfortunately, thanks to the way Capital One has branded things, there is a lot of confusion surrounding similar but different products.

The best cash back deals they offer actually require no Capital One credit card at all). In this post, I wanted to unambuguify the differences and the key reasons why you should be paying attention whether or not you’ve got a Capital One card.

In fact, you don’t even need a credit card at all — you could use a debit card or maybe even one of those “buy now, pay later” products like Affirm, Zip Pay, or others (I obviously prefer to stack great credit card rewards on top of portal payouts, but my point here is that you don’t need a Capital One card).

That is to say that anyone can sign up — you don’t need any preexisting relationship with Capital One to use Capital One Shopping. Even if you do have a Capital One credit card, rewards you earn from Capital One Shopping are not in any way connected to a Capital One card account.

Many of the gift card brands available can regularly be purchased under face value, but some (including Walmart, eBay, Safeway, and some others) are rarely discounted and may feel near face value for some readers.

All three formats are part of the same site, but the offers you’ll see in each place can vary, so you’re really going to want to check out all three.

You don’t need any existing Capital One account — you can just create a Capital One Shopping account and sign in. That process is very simple.

As you can see above, the sign up process just requires an email address & password, zip code, and answering whether or not you have Amazon Prime. It’s very simple to sign up.

The Capital One Shopping app is just another platform to access the Capital One Shopping portal (in the same way that Rakuten’s app is just another platform to access the Rakuten shopping portal). And just as is the case with Rakuten, Capital One Shopping sometimes shows increased cash back rates through its app that are better than what is offered on the Capital One Shopping website.

Through the Capital One Shopping app, some users were targeted for 6% or 8% back. That can be a very good deal for GiftCards.com.

When I open the Capital One Shopping app (and I am logged in), I see “Exclusive” deals at the top that often feature higher payouts than what you’ll see on the shopping portal desktop website. Sometimes, those rates are really good, like a time recently when I saw 27% cash back at Sak’s.

Stuff like that now has me checking the app almost daily for anything interesting (well played, Capital One Shopping). You might notice that I keep referring to Capital One Shopping — three words every time.

I kind of wish that they would name it something else just so the name wouldn’t lead people to assume that you need a Capital One card to take advantage of this. On the other hand, Capital One Shopping is offering an amazing portal, so why shouldn’t Capital One get the credit.

Where things get really interesting is with the Capital One Shopping browser extension. For those unfamiliar, a browser extension is essentially like a little software add-on that you install within your browser to do something useful.

When you load the Capital One Shopping browser extension, you will be prompted to log in using your Capital One Shopping login (not your Capital One account info). We typically recommend against installing browser extensions.

If you’re not familiar with the business model of the typical shopping portal, the way it works is that you click through a shopping portal to a retailer website (for example, let’s say you click a link on Rakuten.com to go to Macys.com) and when you make a purchase at that retailer, the retailer gives a commission to the portal (so when you buy an item from Macy’s, Rakuten gets a commission).

The problem with browser extensions is that they will often shoot out a pop-up during the checkout process asking if you want to apply a couple or get cash back. You may have already clicked through a shopping portal with a great payout rate, but when you click on that message from a browser extension saying “try this coupon code”, the extension may “steal” the click from your intended shopping portal.

For years, I avoided browser extensions like the plague. To be clear, I’m not saying that Capital One Shopping will “steal” your click, I’m just explaining the general rationale behind not installing a browser extension in a browser where I often shop through portals.

Sure enough, Greg was able to replicate that with offers like 18% cash back at IHG and 24% cash back at GiftCards.com.

I initially installed the Capital One Shopping browser extension in Microsoft Edge, a browser I don’t use often (I didn’t really want to share my entire browsing history with Capital One). However, I don’t know whether I wasn’t browsing enough in Edge or Capital One just wasn’t effectively gathering the data it needed, but I didn’t receive any targeted offers when I had the extension installed in Edge.

(Side note: Chrome allows for setting up multiple profiles, so I have the extension installed under one Chrome profile, but not others — this helps me avoid the situation of a click being “stolen” as mentioned above since I am basically only using that Chrome profile to click around at stores where I hope to be targeted for increased cash back.

Soon after having installed the extension, I received an offer to get 30% cash back at Lenovo on a specific laptop or two that I had clicked on / put in my cart (but not bought) / etc.

After a couple of days, I clicked the link in the email and placed an order at Lenovo. Within a couple of says, I got an email confirming that my order tracked and I saw it in my order history on Capital On.

For your monthly charge to arrive if you relocate, you must update your credit card address. Now, you have the option of updating the information via phone, online, in person, or via email.

It’s simple to change the address on your Capital One account. just follow the instructions below to prevent errors.

Applying for a credit card results in the creation of an account on the website. To use the administration site, you must know the information you provided when signing up.

There is an arrow to the right of the silhouette. click it to access the menu, where you may access your profile, security, notifications, account settings, and features, and also log out of the website.

Change the address by clicking the pencil symbol at the ultimate end of the address bar to edit. You can add additional addresses to your CapitalOne account in this section.

Before approving, the lender verifies everything. Since there are so many ways to make the modifications, it is not the standard option, and many advisors advise against contacting the bureaus directly.

You should gather certain necessary items before visiting the working offices, such as: B. A current domestic bill with your address on it.

Calling Contact One may be the best option. The procedure will be finished over the phone.

You will continue to get your credit card statement at your old address if you move and don’t let us know by the end of the month. If someone gets access to your personal information and credit card numbers, you could be put in danger.

Here, issues can occur. in these circumstances, it is essential to get in touch with Capital One Technical Support.

An active live chat option is available on the internet in place of phone help. You can reach the online agent and ask inquiries of him should you be unable to contact.

The instant the agent updates the information in the system, your address will be altered if you visit an office. It can take a few weeks to process the modification if you submitted it via email right away.

When you’re in debt, the two best ways to pay off the balances are debt consolidation and 0% balance transfers. If you can pay off the balances within 1 to 2 years, you’re better off with a credit card balance transfer.

When you’re in debt, it can affect all facets of your life. Higher levels of debt can lower your credit score, increase your stress, and keep you from getting approved for the most important loans in your life, such as a mortgage.

Debt consolidation loans are good because they will lower your credit card interest rate. They also force you to pay down the loan balance over a specific timeframe because the minimum payment required is a mix of both principal and interest.

And you’re not locked into a large payment so you have the flexibility to have a smaller payment in case of an emergency. The people who should consider a balance transfer to pay off their debt are those who will continue to pay down their debt, even though the minimum payment required may be small.

Because you will be using a credit card for the 0% balance transfer, you must also be able to show restraint and not use the credit card for purchases. While some credit cards extend the interest-free offer to purchases, most will charge interest on new purchases.

There are two things I really like about the 0% APR Capital One balance transfer cards. First, they both have great ongoing rewards for spending on the cards, so you can keep them for everyday spend after you’ve paid off your debt.

The Capital One Quicksilver Rewards credit card offers cash back on daily spend with no annual fee, making it a worthy card to keep for years and use as a primary card for daily spending. This card actually offers two 0% balance transfer options for you to choose from.

You may hesitate to pay a fee, but there are very few cards that allow for completely free balance transfers. A 3% charge is the standard rate, and you’ll still save hundreds of dollars thanks to the interest-free financing.

This credit card is geared toward people who spend more on dining and groceries because it offers good cash back on these categories. The Capital One balance transfer fee is the same, but the interest rate is a little higher.

One of my friends used a zero interest purchase offer on some much-needed repairs for her home. She was otherwise debt-free but didn’t want to deplete her emergency cash reserves to replace her furnace.

The Capital One VentureOne Rewards card is a no-annual-fee credit card that earns miles for every $1 you spend. You’ll receive a sign-up bonus, but you won’t receive a 0% balance transfer option with this card, but all purchases are interest-free for a certain period of time.

It has good earning potential and employee cards can be added at no charge to maximize your earnings. The Spark Miles Select has no-annual-fee and doesn’t charge interest on purchases for a limited amount of time.

The Capital One Spark Cash Select comes with the exact same sign-up bonus and 0% offer on purchases as the Spark Miles Select. However, instead of travel credits, you’ll be earning cash back.

My approach would be to apply for whichever card works best for you, then spend the minimum required amount to get the bonus right away. Pay off the credit card immediately before the statement closes.

Then transfer your high-interest balances to your new Capital One card to take advantage of the 0% balance transfer interest rate. When the sign-up bonus posts to your account, use that amount to pay off the balance transfer fee and whatever is remaining to reduce your debt.

Thankfully, it’s pretty easy. Just log in to your account, click More Account Services and select Transfer a Balance.

You’ll need to know the name of the bank you’re transferring from, the account number and the amount of the balance. Remember that you need to keep your account in good standing by staying within your credit limit and making all minimum payments on time to ensure that you don’t lose your 0% interest rate before the promo expires.

With no annual fee and 0% interest on balance transfers, it is the best of both worlds—a card that will help you eliminate your debt then provide robust rewards for everyday spend.

Capital One student credit cards offer students the chance to build credit by using their card responsibly to make purchases, making timely payments on their balances and maintaining a healthy credit utilization ratio. Capital One student cards also come with student-friendly perks, like cash back.

No need to get a new card—you can still enjoy all the rewards and benefits your Capital One student credit card has to offer. Before applying for a credit card, consider getting pre-approved to see which cards you qualify for.

And remember: You don’t need a credit score to apply, though we may use credit scores where available. You must be at least 18 years of age and a student to qualify for student credit cards.

You may be eligible for a Capital One student card if you’re enrolled—or admitted and planning to enroll in the next three months—at an accredited university, community college or other higher education institution. Want to find the best student credit card for you.

Choosing the best student credit card for you depends on what you want out of a card. Capital One student credit cards are designed for applicants with little or no credit history—plus they offer no annual fee, hidden fees, or foreign transaction fees.

Consider getting pre-approved to see which cards you qualify for. Several factors—like an applicant’s credit score, payment history, and income—may influence whether or not someone will be approved for a credit card.

But if you’re just starting your financial journey, don’t worry. Capital One student cards are designed for students with little or no credit history.

And if you’re not a student but want to build credit, check out these other alternatives.

That’s because our pre-approval tool won’t result in a hard inquiry on your credit report, which can temporarily lower your credit score. Our pre-approval tool will show you the student credit cards you’re more likely to qualify for, too.

There are a few steps you can take to use your card responsibly and help build a better credit score over time:. 1.

Make timely payments on your bills each month. 3.

Limit new credit applications to prevent hard inquiries on your credit report. And after implementing these tactics to raise your score, you may consider getting pre-approved for a Capital One credit card to find one that works best for you and your lifestyle.

If you are looking for a first credit card or a way to do some credit repair, the card_name may be a low-cost option in the secured credit card market. Secured credit cards, which are primarily for people with a poor credit history or no credit history at all, require that the credit-seeker make a security deposit to receive a card.

With a deposit requirement as low as $49 for a $200 credit limit and the possibility for a higher credit limit after five on-time payments, Capital One stands out against its competition in the secured credit card market.

The Capital One Platinum Secured Credit Card is a secured credit card aimed at helping card seekers build or rebuild credit. It is a real credit card, not a debit card or prepaid credit card.

The difference between a secured and an unsecured credit card is the requirement of a security deposit. This Capital One secured card requires a minimum deposit that ranges from $49 to $200 in order to open the account.

So let’s get down to business on what makes Capital One stand out among its peers in the secured credit card market. The industry norm is that secured card issuers require a dollar-for-dollar match in security deposit and credit limit.

Capital One is breaking that mold with this card by offering as much as a $1,000 credit limit on what could be as small as a $49 security deposit. Here’s how it works:

That’s one of money expert Clark Howard’s important factors in choosing a secured card. Let’s take a look at some of the perks and drawbacks of the card from the fine print:

Please note that annual percentage rates also apply to balances, but your individual rate will vary based on credit history factors. Team Clark recommends that you avoid carrying a balance on a secured credit card to both avoid the interest charges and keep your credit utilization in check.

Since you may be trying to decide between one of these two popular card issuers, we felt it prudent to point out some of the similarities and differences in the secured card offerings. First, here are some core items that you’ll find are either the same or similar:

If you are considering adding the card_name to your wallet, we want to make sure you’re fully equipped to get the most out of your secured credit card experience. Money expert Clark Howard has four areas of concern that you should assess when choosing a secured credit card.

You can read more about these guidelines for secured credit cards here. Fortunately, this Capital One card rates really well in those areas and is included in Team Clark’s best options for secured credit cards.

Follow those steps and you’ll be well on your way to an unsecured credit card and an improved credit score. Are you considering applying for the Capital One Platinum Secured Credit Card.

Bottom Line: If you are in the market for a secured credit card, Capital One presents a strong option. The chance to get in with as little as $49 deposit and expand it to as much as a $1,000 credit limit within five billing cycles will put you on the path to an unsecured card.

Applying for a new credit card can be anxiety-inducing if you don’t get immediate approval. But don’t worry — there are a lot of reasons you may not get approved right away — it doesn’t always mean a denial is coming.

We’ll go over why you might not get immediately approved and we’ll show you how to check your Capital One credit card application status. There are different reasons you might not get immediate approval on your Capital One credit card application.

Each bank has different credit card application rules, and Capital One is no exception. Here are a few of the “rules” you’ll want to keep in mind before applying for a Capital One credit card.

This doesn’t apply to business cards (like Capital One Spark Miles for Business) or co-branded cards (like the Menards® BIG Card®). You can be approved for 1 Capital One credit card every 6 months.

For example, if you’re approved for a Capital One Savor Cash Rewards Credit Card today, you’ll need to wait at least 6 months to be approved for a Capital One Venture X Rewards Credit Card. Every bank has rules about how often you can receive a welcome bonus.

In the past, it’s been possible to earn a bonus on the same Capital One credit card more than once. Unfortunately, the specific terms are usually pretty vague, which means Capital One can choose to deny your welcome bonus if you’ve already earned it once.

You can check the specific terms for the card you’re applying for by clicking on View important rates and disclosures on the application page. Similar to Chase’s 5/24 rule, Capital One seems to issue denials to those who have opened “too many” new accounts in the recent past.

A great way to ensure you’ll be approved for a credit card is to check your preapproval status. Thankfully, Capital One makes that easy to do without impacting your credit score.

Then you’ll see which cards you’re preapproved for before submitting your application. If you have a preapproval, you can click through to a shortened application page to complete the process.

If you choose not to check your application status you’ll receive a written decision within 7 to 10 days. If you don’t get the credit card approval you were looking for, some banks have dedicated reconsideration lines to call to try to reverse the decision.

You’ll get a secure letter online informing you of why your application was denied. If you can’t access that letter, call 800-903-9177 to get a paper copy of the decision mailed to you.

Submitting a credit card application can be stressful, especially if you don’t get a decision right away. There are lots of factors that go into a credit card application and it can be frustrating if you don’t get immediate approval.

Each bank (and even each card) can have different rules for application, so try to be patient throughout the process. The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

There are Capital One credit cards available for just about everyone, whether you’re looking for a rewards card, a 0% intro APR, or to build your credit. If you want to apply for a Capital One credit card, here’s how to do it.

Go to the credit card’s page and click “Apply Now.”2. Enter the required information.

Ideally, you’ll get an answer right away — or at least, within the minute or so that it takes for the credit card issuer to process your information. The results could, however, take longer than that.

If it’s an approval, then you’re good to go. Capital One will send you the card in the mail.

A denial is the worst-case scenario, but it doesn’t always mean you’re out of luck. You can call Capital One’s reconsideration line.

It’s possible a representative may overturn the original decision and approve your Capital One credit card application. Finally, there’s application purgatory.

But you can also call Capital One as early as the next day to check your application’s status. The benefit of doing that is if you were denied, you can attempt to get a reconsideration immediately.

If you’re not sure which card is right for you, consider your credit score and the credit card benefits you’re looking for. Your credit history and credit score determine which cards you can get.

Fortunately, Capital One includes recommended credit levels with each of its cards. You can click the credit level to see what the qualification requirements are for that Capital One credit card.

That could be cash back, travel rewards, 0% intro APR financing, or something different. It’s also important to look at any fees a card has, such as an annual fee or foreign transaction fees.

Simple rewards program and decent return. Nice introductory offers.

No penalty APR. No opportunity for bonus rewards rates.

Requires excellent credit. Relatively modest cash-back rewards.

It’s also a good option if you’re looking for a long introductory 0% APR promotion on purchases and balance transfers.

Just be sure to take time to compare it with other no-annual-fee cards to ensure you pick the right one for you.

The fees of up to 3% charged by other cards may not seem like a lot, but can add up over the course of an international trip.

That’s an average spend of $167 per month. It’s an achievable pace of purchasing, even if you’re not a big spender.

Cardholders earn a flat 1.5% cash back on every purchase, with no limit on those earnings. On the one hand, that eliminates any need to emphasize certain spending habits in order to earn more rewards on certain purchases.

You have three choices when redeeming your rewards for cash: a paper check, a statement credit (general or against a specific purchase), and gift cards. You can also redeem your rewards on purchases made with PayPal and on Amazon.com.

Your rewards don’t expire as long as your account is open, so you can accumulate them without worry. What’s more, there’s no minimum redemption amount, so you can gain access to your cash back anytime you want.

However, be aware of when a merchant charges extra to use a credit card, as do some gas stations, for example. If the credit card price exceeds the cash price by more than your rewards amount of 1.5%, you may want to pay in cash or with a debit card—or use another credit card that rewards you at least as much as the price difference.

When it comes to redeeming rewards, you might want to consider a gift card, and going online to check the redemption rates for those. Partners include Amazon and PayPal.

You’ll need to talk to a customer representative or start the redemption process for further information.

Power 2022 U.S. Credit Card Satisfaction Study.

The card issuer provides free access to your VantageScore credit score through its CreditWise feature, but that platform is available whether you’re a cardholder or not. Many other card issuers provide free access to your FICO credit score, which is the score used by most major lenders.

If you have a question, you can reach Capital One customer service. However, unlike almost all other card issuers, access is only by phone or physical mail.

You can also manage your account through Capital One’s mobile app, which was ranked first out of nine national banks in the J.D. Power 2022 U.S.

Capital One offers a couple of security features that aren’t standard for the industry. While almost all issuers now allow you to freeze your card temporarily if it’s misplaced, Capital One is among a select number of issuers that allow you to do so in a mobile app.

If you’re concerned about using your card number online, Capital One allows you to create a virtual number tied to the account that keeps your card information safe.

The Capital One Quicksilver Credit Card can be a good choice of rewards credit card for people who prioritize simplicity in their financial lives. The card’s unlimited 1.5% cash-back rate on all purchases makes it easy to monitor your rewards.

The card’s attractive introductory, 15-month 0% APR promotion on purchases offers you even more savings.

Capital One indicates neither a low nor high credit limit on its website. It states that the credit limit will be determined as it reviews your application and your ability to pay.

As long as you can meet Capital One’s criteria for the card, it shouldn’t be hard to get it. These include excellent credit (as defined on its site), a credit score of about 700 and above, and the level of income that it requires.

It may not be your best choice because of the high credit score required. If you don’t yet have a credit history, look for a card that addresses that situation.

That might be a good place for a beginner to start using a credit card and build their credit history.

Then, within two billing cycles, Capital One will apply it to your rewards balance.

When you do some online shopping, there are plenty of ways to save money on your purchase. Whether using coupons, shopping portals, or stacking offers, the final price in your cart could be even lower than what you see.

Merchant offers from banks aren’t new — Amex Offers, Chase Offers, and Citi Merchant Offers have been around for a while, but now Capital One is offering their cardholders extra ways to earn cash-back. Capital One Offers are a little quirky, but they can represent some significant savings.

Capital One Offers is a cash-back/statement credit program specifically for Capital One cardholders. Similar to a shopping portal, cardholders can log into their account and search through available offers to earn a fixed amount or percentage of their online shopping trip back in the form of a statement credit.

This process is different compared to other credit card offers like Amex Offers and Citi Merchant Offers, where cardholders add offers to their account and then will earn statement credits whenever they make an eligible purchase either online or in-person. With Capital One Offers, if you don’t log into your account and click the offer before your online shopping trip, you will not trigger the offer and earn the cash-back.

Capital One Offers are quite diverse and should have a little bit of something for everyone, especially those who like to travel. Unfortunately, as of writing, Capital One does not organize its offers into categories.

Fortunately, there is a search feature that functions well and should bring up relevant options when searching with broad terms. To get an idea of what Capital One Offers you might find, here is what populates under the following searches in a sample account:

As you can see, there is plenty of variety when it comes to Capital One Offers. Bottom Line: Despite not being organized into categories, it is possible to find relevant Capital One Offers via the search feature.

Although there is no official list, Capital One Offers are available for essentially all Capital One personal consumer credit cards. Capital One business credit cards are not eligible for Capital One Offers.

Here is a list of our favorite Capital One cards that come with Capital One Offers: The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards. Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Capital One Miles.

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

And it offers easy-to-understand rewards earning and redemption. Capital One Miles.

When you consider the flexible rewards, frequent travelers come out on top. Interested in a travel rewards credit card without one of those pesky annual fees.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees. But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card.

Capital One Miles.

Capital One Offers are easy to find and activate. If you are logged into your account, the main page will have a Credits for Shopping section with a few preview offers.

If you are using the Capital One mobile app, you will scroll to the bottom of the main page and follow the same steps. Since Capital One Offers functions like a shopping portal, once you find an offer that you want to use, click on Save Now and a new browser tab will open to start your tracked shopping trip (make sure to click Continue to Merchant).

Once you complete your shopping trip, your order will be reported back to Capital One who will then issue a statement credit for the offer amount. Hot Tip: Just a heads up — statement credits can take up to 3 billing statements to appear.

Unfortunately, there isn’t much you can do to further maximize or stack Capital One Offers. Due to the shopping portal-like nature of Capital One Offers, you won’t be able to double-dip through sites like Rakuten, for example.

That means in-person, online, with coupons, airline shopping portals — it’s all fair game. Not with Capital One.

There are hundreds of offers available, which could represent big savings on everything from travel and dining to clothing and pharmacies. Since you can’t stack deals with Capital One Offers, be sure to check your other options (like with CashBack Monitor) before assuming the offers in your account offer the most savings.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Diamonds are supposed to be a girl’s best friend, but when I was 21 years old, I only had eyes for my Capital One credit card. Like most people who get into debt, I had my reasons.

the summer before my senior year of college. I had a three-month internship with a prestigious political action committee, working in our nation’s capital for a course I held dear.

To top it all off, my internship even paid $500 a month to help offset the cost of expenses. Though the $500 subsidy was almost enough to cover the cost of my rent, I had to spend some money sprucing up my wardrobe, as my new workplace had a formal dress code.

Without that credit card, I wouldn’t have been able to afford to take the internship. When that bill came for me at the start of my fall semester I didn’t regret the spending, but I knew I needed to take care of it as soon as possible.

I worked at the box office on my campus all four years of college. I made $8.25 an hour there.

Each paid $10 an hour. Increasing my income by roughly $80 a week gave me the ability to make bigger and more frequent payments on my credit card debt.

I simply couldn’t afford to make a payment and then make a purchase. It was defeating my entire effort.

I was paid by all three jobs every two weeks. So as soon as that check came in, I cashed it and transferred the money to my credit card payment.

I really had no budgeting skills in college. When I had money, I spent it.

That was my only strategy. In my senior year, I downloaded Mint and started seeing just how much money was coming in and out.

I didn’t become a budget manager star, but I started to gain an elementary understanding of budgeting. I let go of my fear of looking at my bank accounts- I learned financial ignorance was not bliss.

I had figured out what to do by myself and I had made it happen. It was gratifying, start to finish.

Both past and present Kara is rooting for you.

Whether it’s peanut butter and jelly or airplanes and lie-flat seats, some things are just better together. When two things perfectly complement each other, they become a dynamic duo.

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that is also good for earning miles on everyday spending. Comparatively, the Capital One Savor Cash Rewards Credit Card is great for unlimited cash back on dining, groceries and more.

Simply put, transferring cash back makes rewards more valuable, as TPG values Capital One miles at 1.85 cents each, rather than 1 cent alone. Being able to earn cash back and redeem as miles is a promising proposition and why the combination of the Capital One Venture X and Savor Cash is especially appealing.

The Capital One Savor Cash Rewards earns 10% cash back on Uber rides and Uber Eats purchases along with 4% back on dining and entertainment. If you want to book tickets to see your favorite artist or team, you also get 8% back on purchases through Capital One Entertainment.

The card details on this page have not been reviewed or provided by the card issuer. Additionally, when you are not in the mood for going out, Savor Cash earns 4% cash back on streaming services and 3% back at grocery stores.

For travel, the Venture X earns 10 miles per dollar for hotels and rental cars while earning 5 miles per dollar on flights purchased through Capital One Travel. Despite being a travel credit card, the Venture X really excels at maximizing day-to-day spending since it earns an unlimited 2 miles per dollar on all other purchases.

Related: Best Capital One credit cards. The ability to transfer cash back to miles opens up a whirlwind of redemption options.

For example, I recently booked a $1,500 vacation rental for 45,000 Capital One miles instead of receiving $450 in cash back rewards. This is the perk that truly allows this dynamic duo to be so powerful.

Effectively, this would be the same as converting the miles on Venture X to cash back on Savor and cashing out via statement credit, a check, gift card or charitable contribution. Related: Redeeming Wyndham points with Vacasa is a great deal — with a catch.

The Savor Cash is a World Elite Mastercard while the Venture X is Visa Infinite, which doubles the potential benefits. For example, World Elite Mastercards get free ShopRunner memberships and access to Mastercard’s Luxury Hotel & Resorts Portfolio, which includes benefits such as amenity credits, complimentary room upgrades and free breakfast among other benefits at over 3,000 properties.

Cardholders also receive Priority Pass lounge membership, which includes access for the cardholder and up to two guests at 1,300 lounges worldwide, and also primary rental car insurance in addition to trip cancellation, interruption and delay insurance as well as lost luggage reimbursement, extended warranty protection and more.

The card also includes cellphone protection of up to $800 if your device is damaged or stolen just for paying your phone bill on the card. You also get access to Capital One Travel, which includes free price drop protection where Capital One will partially refund you if the price drops after booking a flight it recommends.

In addition to Priority Pass, you also get access to Capital One’s growing lounge network including an amazing lounge in Dallas, and you also get an up-to-$100 statement credit for Global Entry or TSA PreCheck with the card. Finally, with Venture X, you get an annual $300 credit through Capital One Travel and 10,000 anniversary bonus miles.

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g.

Additional terms apply. Related: 6 things to do when you get the Capital One Venture X.

The Savor Rewards offers a $300 cash bonus (which can be converted to 30,000 miles) after spending $3,000 on purchases within three months of account opening. After completing the minimum spending requirements and earning the two sign-up bonuses, you can easily accrue over 105,000 miles, good for international round-trip business class, a handful of round-trip domestic flights or even countless hotel nights.

This means that the annual fee is effectively less than $100 per year, an amazing deal compared to the benefits of holding the cards. Neither card has foreign exchange fees or charges to add an authorized user, a nice benefit compared to other premium travel cards with additional costs.

See the respective Guide to Benefits for details, as terms and exclusions apply. Credit card issuers have built their products to work better together.

With more reasonable annual fees than their Chase and American Express counterparts, the Venture X and Savor Cash cards — Capital One’s dynamic duo — earn great rewards on most common categories of spending and a minimum of 2 miles for every dollar spent.

Capital One has really stepped up its travel rewards program in recent years and this duo of cards is no exception — they are giving Chase and Amex some steep competition.