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HomeCredit CardCapital One Spark Journey Elite Card Assessment, A Keeper Lengthy Time period

Capital One Spark Journey Elite Card Assessment, A Keeper Lengthy Time period

Capital One Spark Travel Elite Card Review

Capital One Spark Journey Elite Card Assessment

Capital One has launched a brand new small enterprise bank card, which is barely accessible to pick out prospects. The brand new card known as Spark Journey Elite. This new product looks like a enterprise model of the favored Capital One Enterprise X card.

The Capital One Spark Journey Elite comes comes with an enormous welcome bonus of as much as 250,000 miles, $300 annual journey credit score, 2x incomes on all purchases, and extra.

This card is at the moment accessible solely to Capital One prospects with Relationship Managers. Will probably be accessible to all small companies quickly, as reported by View from the Wing. Let’s get into this Capital One Spark Journey Elite overview and see all the main points we all know to this point.

Signup Supply

  • Earn as much as 250,000 miles while you apply and are accepted for the Capital One Spark Journey Elite card:
    • Earn 50,000 miles after you spend $10,000 inside the first 3 months
    • Plus an extra 200,000 miles while you spend a complete of $50,000 inside the first six months
  • Annual Payment: $395

Card Particulars

  • Earn:
    • 2x miles on all purchases.
    • 5x miles on flights when booked by Capital One’s journey portal.
    • 10x miles on resorts and rental vehicles.
  • $300 annual credit score for bookings by Capital One Journey.
  • 10,000 bonus miles yearly after your first anniversary.
  • Limitless entry to Capital One lounges in addition to Precedence Cross and different Capital One companion lounges.
  • $100 International Entry/TSA PreCheck credit score each 4 years.
  • Pay distributors by the cardboard utilizing Melio (2.9% price), even when they don’t settle for bank cards.

Capital One Switch Companions

Clients might want to switch a minimal of 1,000 Enterprise X, Enterprise or Spark Miles at a time to journey loyalty packages, and might want to switch in 100 mile increments.

Accomplice Ratio
Accor Reside Limitless 2 : 1
Aeromexico Membership Premier 1 : 1
Air Canada Aeroplan 1 : 1
Air France KLM Flying Blue 1 : 1
Avianca LifeMiles 1 : 1
British Airways (Avios) 1 : 1
Cathay Pacific Asia Miles 1 : 1
Selection Motels (Selection Privileges) 1 : 1
Emirates Skywards 1 : 1
Etihad Airways Etihad Visitor 1 : 1
EVA Air Infinity MileageLands 2 : 1.5
Finnair Plus 1 : 1
Qantas Frequent Flyer 1 : 1
Qatar Airways Privilege Membership 1 : 1
Singapore Airways Krisflyer 1 : 1
TAP Air Portugal (Miles&Go) 1 : 1
Turkish Airways (Miles&Smiles) 1 : 1
Virgin Pink 1 : 1
Wyndham Rewards 1 : 1

Software Guidelines

For now you’ll be able to solely apply when you’ve got a Capital One Relationship Supervisor, but it surely needs to be accessible to everybody else quickly. VFTW notes that current Spark cardholders are eligible to use for Spark Journey Elite, nevertheless, presently, Spark Money Plus cardholders should not eligible.

Capital One enterprise bank cards report back to the non-public credit score bureaus. So it is rather doable that the Spark Journey Elite card will present up in your private credit score report.

Capital One pulls your credit score report from all three credit score bureaus while you apply. However you’ll be able to freeze your TransUnion or Experian (solely one in every of them) and nonetheless get accepted.

Guru’s Wrap-up

The Capital One Spark Journey Elite card is an excellent product. The very first thing that stands out is the signup bonus of 250,000 miles while you spend $50,000 inside the first six months. This card earns 2x on all purchases (and as much as 10x on journey). So you’ll earn a complete of 7x for that $50K spend, and find yourself with 350,000 miles after six months.

The cardboard has a $395 annual price which isn’t waived the primary 12 months. However the card has some additional advantages that make it a keeper long run. You get a $300 annual credit score for bookings by Capital One Journey and 10,000 bonus miles yearly after the primary anniversary. You additionally get entry to Capital One airport lounges in addition to Precedence Cross lounges and different companion lounges

Let me know what you assume!

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