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

Dec. 16, 2022
13 min read
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If you're considering applying for a credit card, you're probably wondering whether the current sign-up bonus is a good one.

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

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

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

Knowing how to make the best points redemption at the best time is easy with the free TPG App! Download it for free today.

Best Capital One credit card sign-up bonuses

CardBest welcome offer we've seenWhen to apply
Capital One Venture Rewards Credit CardEarn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening.When the bonus offer is 75,000 miles or higher.
Capital One Venture X Rewards Credit CardEarn 100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening.When the bonus offer is 75,000 miles or higher.
Capital One VentureOne Rewards Credit CardEarn 20,000 bonus miles once you spend $500 on purchases within the first three months from account opening.When the bonus offer is 20,000 miles or higher.
Capital One Savor Cash Rewards Credit CardEarn a $300 cash bonus once you spend $3,000 on purchases within three months from account opening.When the bonus offer is $300 or higher.
Capital One SavorOne Cash Reward Credit CardEarn a $200 cash bonus after spending $500 on purchases within the first three months from account opening.When the bonus offer is $200 or higher.
Capital One Quicksilver Cash Rewards Credit CardEarn a $200 bonus after spending $500 in the first three months from account opening.When the bonus offer is $200 or higher.
Capital One Spark Miles for Business Credit CardEarn up to 200,000 bonus miles: 50,000 bonus miles after spending $5,000 in the first three months from account opening and another 150,000 bonus miles after spending $50,000 in the first six months.When the bonus is significantly higher than 50,000 miles.
Capital One Spark Cash Plus Credit CardEarn up to $3,000: $500 after spending $5,000 in the first three months from account opening and $2,500 after spending $50,000 in the first six months.When the bonus is higher than $1,000.

Capital One Venture Rewards Credit Card

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

WYATT SMITH/THE POINTS GUY

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

Approximate dateOfferValue*
September 2021 to now.75,000 miles after spending $4,000 on purchases in the first three months.$1,388.
May to August 2021.60,000 miles after spending $3,000 on purchases in the first three months.$1,110.
September 2020 to April 2021.50,000 miles if you spend $3,000 on purchases in the first three months from account opening, or 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening.$925 or $1,850.
November 2019 to August 2020.50,000 miles after spending $3,000 on purchases in the first three months.$925.
March to October 2019.60,000 miles after spending $3,000 on purchases in the first three months.$1,110.
December 2014 to February 2019.40,000 miles after spending $3,000 on purchases in the first three months.$740.

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

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

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Learn more: Capital One Venture Rewards Credit Card.


Capital One Venture X Rewards Credit Card

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

THE POINTS GUY

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

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

Approximate dateOfferValue*
March 2022 to now.75,000 miles after spending $4,000 on purchases in the first three months.$1,388.
November 2021 to March 2022.100,000 bonus miles after spending $10,000 on purchases within the first six months of account opening.$1,850.

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

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


Learn more: Capital One Venture X Rewards Credit Card.


Capital One VentureOne Rewards Credit Card

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

WYATT SMITH/THE POINTS GUY

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

Approximate dateOfferValue*
September 2021 to now.20,000 miles after spending $500 on purchases within the first three months from account opening.$370.
December 2014 to August 2021.20,000 miles after spending $1,000 on purchases within the first three months from account opening.$370.

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

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


Learn more: Capital One VentureOne Rewards Credit Card.


Capital One Savor Cash Rewards Credit Card

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

THE POINTS GUY

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

Approximate dateOfferValue*
November 2017 to now.$200 cash bonus after spending $500 on purchases within the first three months from account opening.$200.

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

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


Learn more: Capital One Savor Cash Rewards Credit Card.

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


Capital One SavorOne Cash Rewards Credit Card

Like its older sibling, the Capital One SavorOne Cash Rewards Credit Card offers impressive bonus categories but with no annual fee.

THE POINTS GUY

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

Approximate dateOfferValue*
November 2020 to now.Earn a one-time $200 cash bonus after spending $500 on purchases within the first three months from account opening.$200.
August 2018 to November 2020.Earn a $150 bonus after spending $500 in the first three months from account opening.$150.

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

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


Learn more: Capital One SavorOne Cash Rewards Credit Card.


Capital One Quicksilver Cash Rewards Credit Card

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

THE POINTS GUY

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

Approximate dateOfferValue*
September 2019 to now.Earn a one time $200 bonus after spending $500 in the first three months from account opening.$200.

 

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

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

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


Learn more: Capital One Quicksilver Cash Rewards Credit Card.


Capital One Spark Miles for Business

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

THE POINTS GUY

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

Approximate dateOfferValue* 
January 2020 to now.Earn 50,000 bonus miles after spending $4,500 in the first three months from account opening.$925.
October 2019 to January 2020.Earn up to 200,000 bonus miles: 50,000 after spending $5,000 in the first three months from account opening and another 150,000 bonus miles after spending $50,000 in the first six months.Up to $3,700.
January to October 2019.Earn 50,000 bonus miles after spending $4,500 in the first three months from account opening.$925.
November 2018 to January 2019.Earn up to 200,000 bonus miles: 50,000 after spending $5,000 in the first three months from account opening and another 150,000 bonus miles after spending $50,000 in the first six months.Up to $3,700.
May 2017 to November 2018.Earn 50,000 bonus miles after spending $4,500 in the first three months from account opening.$925.

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

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


Learn more: Capital One Spark Miles for Business.


Capital One Spark Cash Plus

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

THE POINTS GUY

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

Approximate dateOfferValue* 
April 2022 to now.Earn up to $1,000: $500 after spending $5,000 in the first three months from account opening and $500 after spending $50,000 in the first six months.Up to $1,000.
August 2021 to April 2022.Earn up to $3,000: $500 after spending $5,000 in the first three months from account opening and $2,500 after spending $50,000 in the first six months.Up to $3,000.

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

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


Learn more: Capital One Spark Cash Plus.


Bottom line

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

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

Featured image by RGSTUDIO/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for American Express® Gold Card
at American Express's secure site

Rewards

3 - 4X points
4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 bonus points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees