Fast Factors: The best way to save 10% on all lodges and 5% on all flights with Capital One

Need to save much more cash while you’re reserving flights and lodges along with your Capital One Enterprise X Rewards Credit score Card? Properly, this is a simple technique that will help you save.

TPG values Capital One miles at 1.85 cents every while you switch them to airline and lodge companions corresponding to British Airways, Turkish Airways and Wyndham. However there’s one other method of taking a look at it that might make your Capital One miles much more beneficial.

The Capital One Enterprise X Rewards Credit score Card presents 10 miles per greenback for lodges booked by Capital One Journey and 5 miles per greenback spent on flights booked by the portal. Different playing cards, such because the Capital One Enterprise Rewards Credit score Card and the Capital One Spark Miles for Enterprise, earn 5 miles per greenback spent on lodges and rental automobiles and a pair of miles per greenback on all different purchases, together with flights.

So, the place do further financial savings are available?

When looking Capital One Journey, you may discover that you could pay with both money or miles. Under is an instance of a weekend keep in Miami. At checkout (not together with the lodge service charge due at check-in), you may pay both $583.73 or 58,373 miles (a price of 1 cent per mile) for this keep.


For those who had been to pay strictly with miles, your card would by no means be charged — and due to this fact, you wouldn’t earn any rewards. However in the event you had been to pay with the Enterprise X Rewards card, you’ll earn 10 miles per greenback on this buy. That interprets to five,838 miles.

Capital One helps you to cowl journey purchases out of your assertion inside 90 days of the acquisition date at a price of 1 cent per mile. Redeeming your rewards this manner is the superior choice as a result of it means that you can earn miles to your spending.

Due to this fact, as soon as this journey buy posts to my account, I can nonetheless use 58,373 Capital One miles to take away it from my assertion as if my card was by no means charged, however as a result of I initially bought my journey with money as a substitute of miles, I am 5,838 miles richer. That is successfully a ten% rebate on my lodge reserving.

If I had been to guide a flight by Capital One Journey utilizing the identical methodology, I’d earn 5 factors per greenback, so I might earn a 5% rebate by paying with the cardboard after which utilizing my factors to “erase” the assertion.

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The draw back to doing this? You possible is not going to earn lodge factors or be capable of use elite standing advantages on bookings made by Capital One Journey. It’s because the key lodge chains normally require you to guide on to obtain these advantages. Nonetheless, flights booked by Capital One Journey usually earn miles as standard and are eligible for all elite standing advantages, so ensure you add your frequent flyer quantity earlier than you fly.

Associated: 9 issues to think about when selecting to guide by way of a portal vs. reserving immediately

Backside line

Do not use Capital One miles when reserving lodges, rental automobiles and even flights by Capital One Journey.

It is virtually all the time a greater concept to make your journey buy along with your Capital One card to earn miles in your spending — that method, you possibly can redeem your miles to offset the expense inside 90 days of the acquisition date.

This reserving methodology will make sure you earn miles for the acquisition, even when you understand you need to redeem miles to cowl the cost.

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