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CAPITAL ONE

points shopping online
Blog

How to Maximize Points When Shopping Online

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

Hey Travel Junkies,

The holidays are my favorite time of the year to be involved in the 10xTravel points and miles community. I get to see people use points to see friends and family across the country or celebrating the holidays with a vacation.

Right now, many people are buying last minute gifts for loved ones, creating a great opportunity to meet minimum spends to get new bonuses. I just signed myself up for a few cards that will get me almost 500,000 points this holiday season from welcome bonuses. But, just because you’re getting bonuses doesn’t mean you should leave points on the table.

Unfortunately, there are very few cards that offer bonus points simply for “shopping online.” That means most of your spend will only be earning 1 or 2 points for every dollar spent. If you leave it at that, you’re missing out on a ton of points.

Let’s look at your online shopping strategy and how you can formulate it to get the most points when shopping online this holiday season and beyond.

points shopping online

This holiday season, many people are buying last minute gifts for loved ones, creating a great opportunity to meet minimum spends to get new bonuses.

Use the Right Card

The first thing to do to get the most points when shopping online is to use the right card. There’s a lot of award programs available, but let’s focus on the major transferable programs: Chase Ultimate Rewards, Citi ThankYou Points, American Express Membership Rewards, and Capital One Miles.

Ink Business Preferred Credit Card 80,000 Chase Ultimate Rewards Points after $5,000 spend in 3 monthsLearn More

To get the most points when shopping online, some cards are better than others. If you’re not working on a sign-up bonus, here are the best cards for each program:

  • Chase Freedom Unlimited or Chase Ink Unlimited
  • Citi AT&T Access Card
  • American Express Blue Business Plus Credit Card
  • Capital One Spark Miles Credit Card
  • Capital One Venture Card
Chase Freedom Unlimited $150 cash bonus after $500 spend in 3 monthsLearn More
Ink Business Preferred Credit Card 80,000 Chase Ultimate Rewards Points after $5,000 spend in 3 monthsLearn More

If you want to earn Chase Ultimate Rewards, the Chase Freedom Unlimited and the Chase Ink Unlimited earn 1.5X points on every purchase.

The American Express Blue Business Plus Credit Card earns 2X Membership Rewards on the first $50,000 you spend every year, making it a great card for earning Membership Rewards points.

The Blue Business Plus Credit Card from American Express Earn 2x points on eligible purchases up to $50,000 annually, 1x on all else. Terms apply.(Learn more)

With either of the Capital One cards, you’ll earn 2X points per dollar on every purchase. The great thing about them is that there’s no cap – you’ll earn 2X points on all purchases you make throughout the year. You can transfer Venture or Spark Miles to various airline partners at a 2:1.5 ratio — this means you’re essentially earning 1.5X airline miles per dollar.

Capital One Spark Cash for Business $500 cash back after spending $5,000 in the first 3 months, an additional $1,500 cash back when you spend $50,000 in 6 monthsLearn More

The card on this list you’re probably the least familiar with is the Citi AT&T Access Card. If you’re looking to earn Citi ThankYou points, this should be a go-to card if you shop online.

The Citi AT&T Access Card is one of the only cards with a bonus category for online shopping. You’ll earn 2X ThankYou points for every dollar you spend online. While Citi doesn’t provide an official list of online merchants that will earn 2X, experience shows that popular sites such as Amazon, Best Buy, Target and Walmart are included. Just remember this is for online purchases only, not in-store purchases.

With these cards, you can be sure to earn more than 1X on all online purchases. All you have to do is decide what points you need to help you book your next trip.

Capital One Venture Rewards Credit Card 50,000 bonus miles (worth $500) after spending $3,000 in the first 3 monthsLearn More

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Capital One Venture Rewards Credit Card - Multiple Cards
Blog

Breaking: Major Changes to Multiple Capital One Cards!

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

Edit: This post has been updated to reflect ongoing changes to Capital One products today.

Hi Travel Junkies,

Big news today in the world of points and miles involving three cards offered by Capital One.

Here’s what you need to know:

  • The Capital One Venture card is now offering a bonus of 75,000 miles (worth $750+) after $5k spend in 3 months
  • Capital One has introduced a handful of new transfer partners for many of their cards! More info below.
  • The Capital One Spark Miles for Business is offering a bonus of up to 200,000 miles (worth $2,000) after $50k spend in 6 months (tiered bonus)
  • The Capital One Spark Cash for Business is offering a bonus of up to $2,000 cash after $50k spend in 6 months (tiered bonus)

New Capital One transfer partners, per One Mile At A Time:

  • Aeromexico
  • Air Canada
  • Air France
  • Alitalia
  • Avianca
  • Cathay Pacific Asia Miles
  • Etihad Guest
  • EVA
  • Finnair
  • Hainan Fortune Wings Club
  • Qantas
  • Qatar

All transfers will be at a rate of 2 Capital One miles to 1.5 miles in the partner airline program. Which effectively makes Venture and Spark Miles 1.5x on everyday spend for any of these partner airlines.

Points earned from Venture, VentureOne, and Spark Miles for Business can be transferred.

What does this mean for you?

  • The Capital One Venture Rewards Credit Card just became a much more appealing option, though I still would not suggest grabbing this card if you are below 5/24
  • The Spark Miles for Business and Spark Cash for Business now have two of the highest welcome offers in the business card world. Though the spend required to earn said bonuses is steep, $50,000 in the first 6 months
  • Note that Capital One Business cards report to personal credit, so they do add to your 5/24 count. I also would not suggest getting these if below 5/24.

——- Original Post—–

For years the Venture card has been one of the easiest travel credit cards on the market due to the fact that their points can do one thing and one thing only; Erase any travel purchase at a value of 1 cent per mile.

Which is great for flexibility, but leaves much to be desired with potential upside. One of the major reasons Venture regularly sits near the bottom of our monthly best credit card rankings.

capital one venture card

Today that changes as Capital One has announced the following changes to the Venture card.

  • Venture is now offering a bonus of 75,000 miles after $5k spend in the first 3 months
  • Those 75,000 miles are worth a minimum of $750 of free travel

(Note that this offer has now changed)

Capital One Venture Rewards Credit Card 50,000 bonus miles (worth $500) after spending $3,000 in the first 3 monthsLearn More

So what does this mean for you?

  • Venture just became a better option, but you should still not get this card if you are below 5/24
  • Stay tuned for more details to drop in the next hour or so

 

Happy Travels,

Bryce

Editor’s Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

roundtrip south Korea Taiwan points miles - business class
Blog, Success Stories

Reader Success Story: Roundtrip to South Korea and Taiwan

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

This is a guest post by 10xT Reader Nilesh. For more examples of readers using points/miles to take amazing trips to check out our 10xT Insiders Facebook Group.

By: Bryce Conway, Founder of 10xTravel

roundtrip south Korea Taiwan points miles-Gwangandaegyo Bridge in Busan, South Korea

Gwangandaegyo Bridge in Busan, South Korea (the bridge from Black Panther)

When I first started researching the credit card points and miles world, I was definitely a skeptic. I still remember my mom, an accountant, having me sign up for my first credit card before college and to only use for emergencies.

She also stressed the importance of paying off the statement balance in full every month. I figured having one card is what responsible people did. After 7 years with that card (a non-rewards card), I decided to be bold and get a second card, the Capital One Quicksilver Card.

I wanted to kick myself for waiting so long to get a card that had the benefits of 1.5% cash back (I was still naïve to the points and miles world). As I started to travel more in my mid-20s (for fun), I began to wonder how much I’d actually have to travel to get upgrades on flights and hotels. I do not travel for work so I quickly realized that it would be nearly impossible to achieve any airline or hotel status.

In 2016, as I was dreaming of my next trip, I began reading about points and miles and I haven’t stopped collecting points since then.

Today, I want to share my biggest points redemption.

My girlfriend and I had our sights set on visiting South Korea in April 2018 for cherry blossom season and the amazing food. Since this was going to be a graduation gift, I wanted to make it extra special.

Using Miles To Fly To Asia

Bryce (10xTravel’s Founder) recommended starting with the Chase Sapphire Preferred.

Chase Sapphire Preferred Card 50,000 bonus points after $4,000 spend in 3 monthsLearn More

I started slowly and, after hitting the minimum spend, I moved onto the Chase Sapphire Reserve (at the time you could have both). At this point, I was hooked!

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barclaycard arrival plus review
Blog

Barclaycard Arrival Plus Credit Card: Our Full Review

Disclosure: This post may contain references to products from our advertisers. We may receive compensation from products we link to. We appreciate your support. You can read our advertising disclosure here.

By: Julie Szpira

Credit cards that offer transferable points such as the Chase Sapphire Reserve or the Platinum Card by American Express are the card of choice for many travel enthusiasts.

Transferrable currency offers flexibility in the use of rewards, and some amazing deals can be redeemed using transfer partners.

When it comes to utilizing transfer partners, the redemptions can be spectacular, but can also be confusing.

If you’re looking for a simple way to reduce the cost of travel, credit cards that offer the ability to redeem points for any travel purchase can be very attractive. The Capital One Venture card is one of the most popular of this type, but the Barclaycard Arrival Plus card is the Venture card’s brother from another mother.

Barclaycard Arrival Plus Quick Stats

The Barclaycard Arrival Plus offers a welcome bonus of 70,000 miles after spending at least $5,000 within three months of account opening.  Since each mile is worth 1 cent, the bonus is worth $700.

barclaycard arrival plus review

Since each Barclays mile is worth 1 cent, the bonus is worth $600.

The card also offers:

  • Earn 2X miles per $1 on all purchases
  • 5% miles back on redemptions
  • Chip and PIN Technology
  • No Foreign Transaction Fees

As is standard with most credit cards offering a large sign-up bonus, this card does have an annual fee. That fee isn’t ideal, however, the sign-up bonus more than makes up for having to pay an annual fee.

What is an Arrival Mile Worth?

As stated above, each mile is worth 1 cent toward travel purchases.  The miles can be redeemed for other purchases, or as a statement credit, but the highest value will be from redeeming toward travel.

Using Arrival Miles

Arrival Plus miles are redeemable for 1 cent per point toward travel purchases.  Obvious travel purchases such as flights, hotels, cruises, taxis, trains and rental cars qualify. Less obvious travel purchases, such as campgrounds, tolls, and public transit also qualify. You can even use Arrival Miles to cover tickets to Disney!

barclaycard arrival plus review

Arrival Plus miles are redeemable for 1 cent per point towards travel purchases

Barclaycard even allows you to use miles to erase the cost of your credit card annual fee!

The redemption process is easy:

  1. Make a travel purchase of $100 or more on your card.
  2. Log into your online account within 120 days of the purchase and redeem your miles as “payment” for the travel purchase.

Arrival miles can only be redeemed toward travel purchases greater than $100 so you will need to have at least 10,000 miles in your account to erase travel purchases.

Since a purchase of at least $100 is required to be able to use miles, it’s unlikely that you’ll use the Arrival Plus to cover a bus ticket. However, you can use the Arrival Plus to load funds onto a transit pass, and then use miles to erase that purchase.

Arrival miles are a type of “purchase eraser”, wherein you can use your miles to “erase” cost of your travel purchases. Continue Reading