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TPG Reader Hall of Fame: $605,000 in vacations for 15 million points

Feb. 28, 2020
38 min read
Icelandic Landscapes
TPG Reader Hall of Fame: $605,000 in vacations for 15 million points
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Today's Reader Hall of Fame story is absurd. And when we say absurd, we mean it in the best way possible. The story brought to you here today is courtesy of Darren and his family, who have spent the last seven years amassing points and spending them for the most far-flung vacations you can imagine.

Let's see what they did, and how they did it.

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(Photo courtesy of Darren Keast.)

Darren and his family have a small business, which helped them build up a massive stash of points. Aside from this, applying for nearly every top travel rewards credit card over the years has meant tons of rewards in welcome bonuses.

This includes cards for Darren and his wife and versions of credit cards in both the U.S. and Canada — so that they've got a total of 45 open cards. Here's just a sampling of some the U.S. cards they're using:

  • Chase Sapphire Reserve: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
  • Chase Ink Business Plus (no longer available to new applicants, replaced with Ink Business Preferred Credit Card): Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • Ink Business Unlimited Credit Card (x2): Earn a $750 bonus after you make $7,500 in purchases within the first three months of account opening
  • Marriott Bonvoy Boundless Credit Card (x2): Currently offering 100,000 bonus points after spending $3,000 on purchases in your first three months from account opening.
  • Marriott Bonvoy Business® American Express® Card: Earn 100,000 bonus points after you use your new card to make $4,000 in purchases within the first three months of card membership.
  • IHG Rewards Premier Credit Card: Earn Earn 140,000 bonus points + 1 free night after spending $3,000 on purchases within the first three months of account opening.
  • The Hilton Honors American Express Business Card: Earn 130,000 Hilton Honors bonus points after you spend $3,000 in purchases on the card in the first three months of card membership.
  • The Amex EveryDay® Preferred Credit Card from American Express: Earn 15,000 American Express Membership Rewards points after after you use your new card to make $1,000 in eligible purchases within the first three months of card membership. Terms apply.
  • Hilton Honors American Express Surpass® Card: Earn 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership.
  • Hilton Honors Aspire Card from American Express (x2): Earn 150,000 bonus points after after you use your new card to make $4,000 in eligible purchases within the first three months of card membership. Terms apply.
  • American Express® Business Gold Card: Earn 70,000 bonus points after you spend $10,000 on eligible purchases in the first three months of card membership. Terms apply.
  • Alaska Airlines Visa Signature® credit card (x2): Limited time offer-50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
  • Citi® / AAdvantage® Platinum Select® World Elite Mastercard® (x2): Earn 50,000 bonus miles after you spend $2,500 on purchases in the first three months from account opening

The information for the Citi AAdvantage Platinum, Hilton Aspire Amex card, Amex EveryDay Preferred Credit 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.

Related: The best business credit cards

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(Photo courtesy of Darren Keast.)

Where exactly have they gone with 15 million of these points? Darren shared an astounding (and impressive) list:

  • Our first trip was just for myself to be able to visit with my mother when she had a health emergency in 2014.
  • Second trip was to send my father and a helper from Edmonton to Washington, D.C. to receive an award for his wine making.
  • Our next trip, my wife, four children and I flew business class from Orlando to London and return from Munich (on Lufthansa) and my mother and father-in-law from Edmonton to London and return from Munich (on Air Canada). We used 800,000 United Miles transferred over from Chase Ultimate Rewards, as well as welcome bonuses from the United MileagePlus credit cards.
  • We followed that up with a trip from Orlando to Costa Rica at Thanksgiving in 2014.
  • Next was a trip from Orlando to Vancouver for six of us where we had to renew our U.S. entrepreneur visas. We then went on to visit family for Christmas.
  • For 2015, the six of us went to Montreal (12-hour connection to visit old Montreal and have some poutine!), Athens, Rhodes, Bodrum, Cairo, Luxor, Amman (Petra), Istanbul, London and New York.
  • In 2016, our big trip for the six of us was to Hong Kong, Macao, Shanghai (we were at Shanghai Disney for the second day of it's grand opening!), Tokyo, Osaka/Kyoto, and Beijing.
  • Also in 2016, the six of us took a short trip to Washington using 53,500 Southwest points (and a Southwest Companion Pass).
  • In 2017, we moved across the continent, so no big summer overseas trip, but we did drive from Orlando to Edmonton over the course of 13 days.
  • For Christmas, 2017, I gave my wife and two oldest children tickets to see Hamilton in Chicago (which is way better than seeing Chicago in Hamilton!).
  • Also in 2017, my wife and I celebrated our 25th anniversary by taking a trip without the children to Sorrento, Pompeii, Naples, Venice, Innsbruck and Vienna.
  • In spring, 2018, all six of us went to Lima, Paracas, Cusco (Machu Picchu) and Lake Titicaca.
  • In the summer of 2018, we all went to Iceland.
  • In the summer of 2019, all six of us went to Ireland and New York for a total of 13 days.
  • Finally, in the fall of 2019, my wife and I went completely around the world without the children. We flew from Edmonton to Dubai in business, Dubai to Singapore (two-night stopover) to Siem Reap in first class and business, Siem Reap to Da Nang using Servus Circle Rewards (the rewards program at our local credit union). We also took advantage of the Cathay Pacific first class ultra-low fare from Da Nang to Vancouver for $1,600 between us and then flew onward from Vancouver to Edmonton.

Related: The top budget family destinations

(Photo courtesy of Darren Keast.)

If you're out of breath just reading that, you're not alone. That's a ton of travel! The logistics of flying six (or more) people together in premium cabins is practically a full-time job. Here are the total points they've spent:

ProgramPoints usedCurrent TPG valuation (cents per point)
American Express
131,178
2
Citi
31,158
1.7
Chase
1,505,834
2
Alaska Airlines
125,000
1.8
ANA
234,000
1.4
Virgin Atlantic
50,000
1.5
American Airlines
842,500
1.4
Delta
9,500
1.2
United Airlines
   1,805,000
1.3
Southwest Airlines
        84,168
1.5
Sinapore Airlines
      190,000
1.3
Avianca
        39,000
1.7
Aeroplan
1,225,000
1.5
British Airways
314,000
1.5
Radisson
752,000
0.4
Wyndham
105,000
1.1
Hyatt
711,500
1.7
Choice
56,000
0.6
Marriott
1,360,000
0.8
IHG
957,000
0.5
Hilton
4,272,800
0.6
SPG
67,000
N/A
Servus Circle Rewards
58,390
Airmiles
8,500
Total points used
14,934,528

What does Darren have to say about all of this?

"We have always obtained as many welcome bonuses as we could when the offers seemed particularly lucrative without knowing where we might use the points or miles. This method to our madness has served us well, as having numerous options available, especially for hotels, allows us to use the ones that are most lucrative in any given location.

With four children, our budget would not have allowed us to travel to virtually any of these places even in economy seats and budget hotels, but with points and miles, we have been able to show our children the world and, frankly, spoil them with business-class flights and luxury hotels!"

Related: How families can afford to travel (without a trust fund)

(Photo courtesy of Darren Keast.)

Here's how they spent their points on airfare:

AirlineRoute Net pricePoints Value per point
United
Orlando-Edmonton
 $1,655
25,000
 $0.0662
Orlando (Edmonton)-Europe
 $91,852
600,000
$0.1531
Edmonton-London
 $15,487
100,000
$0.1549
Munich-Edmonton
 $12,426
100,000
$0.1243
Edmonton-Washington, DC
 $774
25,000
$0.0310
Edmonton-Orlando
 $585
12,500
$0.0468
Istanbul-Orlando
 $33,224
345,000
$0.0963
Calgary-Chicago
 $1,077
37,500
$0.0287
Edmonton-Naples
 $10,554.60
140,000
$0.0754
Edmonton-Los Angeles
 $1,111
75,000
$0.0148
Edmonton-Montreal
 $1,728
75,000
$0.0230
New York-Edmonton
 $812
50,000
$0.0162
New York-Edmonton
 $4,131
50,000
$0.0826
Edmonton-Dubai
 $8,796
170,000
$0.0517
Total
 $184,215.80
       1,805,000
$0.1021
American
Orlando-Vancouver
 $7,662
90,000
$0.0851
Edmonton-Portland
 $667
45,000
$0.0148
Orlando-Hong Kong
 $25,967
215,000
$0.1208
Orlando-Hong Kong
 $11,960
100,000
$0.1196
Orlando-Hong Kong
 $11,855
67,500
$0.1756
Beijing-Orlando
 $41,542
310,000
$0.1340
Orlando-Edmonton
 $124.00
15,000
$0.0083
Total
 $99,780
           842,500
$0.1184
Southwest
Orlando- Belize City
 $660
19,180
$0.0344
Houston-Orlando
 $350
11,488
$0.0305
Orlando-Washington
 $1,228
53,500
$0.0230
Total
 $2,239.12
              84,168
$0.0266
Airmiles
Edmonton-St. Johns
 $1,445
8,500
$0.1701
Total
 $1,445
                 8,500
$0.1701
American Express
Edmonton-Orlando
 $2,988
131,178
$0.0228
Total
 $2,988
           131,178
$0.0228
Alaska
Vienna-Edmonton
 $10,405
125,000
$0.0832
Total
 $10,405
           125,000
$0.0832
Avianca
Lima-Cusco
 $885
39,000
$0.0227
Total
 $885
              39,000
$0.0227
Singapore KrisFlyer
Orlando-Edmonton
 $2,717
40,000
$0.0679
Dubai-Singapore, Siem Reap
 $7,064
150,000
$0.0471
Total
 $9,781
           190,000
$0.0515
Delta
Orlando-Edmonton
 $197
9,500
$0.0208
Total
 $197.80
                 9,500
$0.0208
Chase Ultimate Rewards
Spokane-Edmonton
 $1,134
75,624
$0.0150
Edmonton-Orlando
 $300
20000
$0.0150
Edmonton-Lima
 $7,992
532,811
$0.0150
Edmonton-Victoria
 $386
25,774
$0.0150
Edmonton-Rekjavik
 $7,157
386,368
$0.0185
Reykjavik-Revjavik
 $1,200
80,000
$0.0150
Vancouver-Edmonton
 $220
14,706
$0.0150
Total
 $18,871
       1,135,283
$0.0166
Citi Thank You
New York-Orlando
 $588
31,158
$0.0189
Total
 $588
              31,158
$0.0189
Servus Circle Rewards
Siem Reap-Da Nang
 $437
58,390
$0.0075
Total
 $437
              58,390
$0.0075
Virgin Atlantic
Edmonton- New York
 $728
50,000
$0.0146
Total
 $728
              50,000
$0.0146
ANA
Bodrum to Cairo to Luxor- Cairo to Amman to Istanbul
 $4,753
132,000
$0.0360
Shanghai-Tokyo to Beijing
 $5,101
102,000
$0.0500
Total
 $9,854
           234,000
$0.0421
British Airways
Miami-Liberia
 $4,573
90,000
$0.0508
Orlando-Miami
 $1,590
54,000
$0.0294
Hong Kong-Shanghai
 $1,893.19
45,000
$0.0421
Montreal-Dublin
 $2,264
50,000
$0.0453
Montreal-Dublin
 $8,022
75,000
$0.1070
Total
 $18,343.08
           314,000
$0.0584
Aeroplan
Orlando-New York
 $895
50,000
$0.0179
Edmonton-Orlando
 $2,029
75,000
$0.0271
Edmonton-Orlandon
 $508
25,000
$0.0203
Vancouver-Edmonton
 $1,385
55,000
$0.0252
Orlando-Athens
 $54,820
315,000
$0.1740
Dublin-New York
 $21,053
330,000
$0.0638
Edmonton-Baltra to Quito to Panama City
 $25,026
375,000
$0.0667
(Photo courtesy of Darren Keast.)

Here are the points they used for hotels:

Hotel Points
Radisson
City
 Hotel
Nights
Value
Points
Value per point
London
 Park Plaza Westminster Bridge
4
 $2,278
124,000
 $0.0184
London
 Park Plaza County Hall
4
 $1,774
124,000
 $0.0143
Athens
 Radisson Blu
8
 $1,719
152,000
 $0.0113
Istanbul
 Radisson Blu Bosphorous
4
 $2,386.08
150,000
 $0.0159
Belize City
 Radisson Fort George
4
 $1,241
114,000
 $0.0109
Dublin
 Radisson Blu Dublin Airport
2
 $460
88,000
 $0.0052
Total
 $9,859
752,000
Hyatt
Berlin
 Grand Hyatt Berlin
4
 $1,289
37,500
 $0.0344
Paris
 Park Hyatt Paris Vendome
6
 $8,083
180,000
 $0.0449
Costa Rica
 Andaz Peninsula Papagayo
10
 $4,909
150,000
 $0.0327
Amman
 Grand Hyatt Amman
4
 $2,276
28,000
 $0.1779
New Orleans
 Hyatt French Quarter
1
 $285
4,000
 $0.0715
New Orleans
 Hyatt French Quarter
2
 $801
24,000
 $0.0334
New York
 Hyatt Regency on the Hudson
2
 $864
24,000
 $0.0360
Tokyo
 Hyatt Regency Tokyo
6
 $4,779.00
120,000
 $0.0398
Tokyo
 Hyatt Regency Tokyo
3
 $1,034
36,000
 $0.0287
Jacksonville
 Hyatt Regency Jacksonville
1
 $227.12
7,200
 $0.0315
Park City, Utah
 Hyatt Place Park City
2
 $495
30,000
 $0.0165
Vienna
 Park Hyatt Vienna
2
 $1,299
50,000
 $0.0260
Orlando
 Hyatt Regency Orlando Airport
1
 $362.30
12,000
 $0.0302
Siem Reap
 Park Hyatt Siem Reap
2
 $1,340.47
24,000
 $0.0559
Total
 $28,048.
711,500
IHG
Paris
 Intercontinental Paris Le Grand
2
 $1,647
70,000
 $0.0235
Munich
 Holiday Inn Munich Unterhaching
4
 $767
72,000
 $0.0107
London
 Intercontinental Park Lane
3
 $1,844
150,000
 $0.0123
New York
 Intercontinental New York Times Square
4
 $2,373.26
200,000
 $0.0119
Edmonton
 Staybridge Suites West Edmonton
10
 $1,813
45,000
 $0.0403
Culpeper
 Holiday Inn Express, Culpeper
2
 $269
6,000
 $0.0449
Ruckersville
 Holiday Inn Express, Ruckersville
1
 $247.80
20,000
 $0.0124
Ruckersville
 Holiday Inn Express, Ruckersville
1
 $165
8,000
 $0.0207
Moab
 Holiday Inn Express, Moab
2
 $477
80,000
 $0.0060
Lima
 Holiday Inn Lima Airport
2
 $306.32
26,000
 $0.0118
New York
 Kimpton Eventi
4
 $2,485
280,000
 $0.0089
Total
 $12,398
957,000
Wyndham
Billings
 Days Inn Billings
2
 $205
30,000
 $0.0068
West Yellowstone
 Days Inn West Yellowstone
4
 $1,271
60,000
 $0.0212
Cochrane
 Super 8 Cochrane
1
 $377
15,000
 $0.0252
Total
 $1,853.93
105,000
Chase
Edmonton
 Hotel MacDonald
2
 $612
22,505
 $0.0272
Pompeii
 Hotel Forum
1
 $131
8,774
 $0.0150
Puno
 Tierra Viva Puno Plaza
3
 $257
17,136
 $0.0150
Aguas Caliente
 Taypikala Boutique Machupicchu
2
 $292
15,604
 $0.0188
Husavik
 Fosshotel Husavik
3
 $570
38,000
 $0.0150
Neskaupstadur
 Hildibrand Hotel
1
 $412
27,490
 $0.0150
Hofn
 Hotel Jokull
3
 $831
55,410
 $0.0150
Kirkjubaejarklaustur
 Hotel Geirland
2
 $587
39,198
 $0.0150
Kingscourt
 Cabra Castle Hotel
3
 $733
47,538
 $0.0154
Puerto Villamil
 Hotel Cally Galapagos
6
 $597
39,844
 $0.0150
Puerto Ayora
 Hotel Coloma
9
 $885
59,052
 $0.0150
Total
 $5,911.95
370,551
Choice
Butte, MT
 Econolodge Butte
1
 $118
8,000
 $0.0148
Ennis, Ireland
 Hotel Woodstock
4
 $636
48,000
 $0.0133
Total
 $754.84
56,000
Marriott
Bremen
 Courtyard Bremen
6
 $1,093
90,000
 $0.0121
Bodrum
 JW Marriott Bodrum
2
 $893
30,000
 $0.0298
Washington
 Residence Inn Arlington
1
 $431
25,000
 $0.0173
Edmonton
 Renaissance Marriott at the Airport
1
 $201
15,000
 $0.0134
Marion, Illinois
 Fairfield Inn, Marion Illinois
2
 $546
30,000
 $0.0182
Calgary
 Courtyard Calgary South
2
 $328.38
40,000
 $0.0082
Independence, MO
 Fairfield Inn, Independence
2
 $347.64
30,000
 $0.0116
Vienna
 MOXY Vienna Airport
1
 $116
15,000
 $0.0078
Edmonton
 Renaissance Marriott at the Airport
1
 $237
15,000
 $0.0158
Cusco
 JW Marriott El Convento
6
 $3,273
240,000
 $0.0136
Calgary
 Delta Calgary South
2
 $447
40,000
 $0.0112
Anaheim
 Residence Inn Anaheim Convention Center
2
 $585
70,000
 $0.0084
Enniskerry
 Powerscourt Hotel
3
 $910
105,000
 $0.0087
Edmonton
 Renaissance Marriott at the Airport
1
 $366
20,000
 $0.0183
Dubai
 Al Maha Desert Resort
3
 $5,677
180,000
 $0.0315
Da Nang
 Sheraton Grand DaNang
3
 $793
105,000
 $0.0076
Vancouver
 Westin Wall Centre
1
 $222
35,000
 $0.0063
Calgary
 Delta Calgary South
2
 $390
25,000
 $0.0156
Toronto
 Sheraton Gateway in YYZ
2
 $421
70,000
 $0.0060
 Flight YEG to GPS to UIO to PTY to YEG
 $5,173.94
180,000
 $0.0287
Total
 $21,364
1,360,000
Hilton
Miami
 Hilton Miami Downtown
1
 $405
47,800
 $0.0085
New York
 Double Tree Suites Times Square
2
 $1,005
160,000
 $0.0063
Versailles
 Waldorf Astoria Trianon Palace at Versailles
3
 $2,449
240,000
 $0.0102
Luxor
 Hilton Luxor
6
 $1,552
72,000
 $0.0216
New York
 Doubletree Suites Times Square
2
 $814
80,000
 $0.0102
St Augustine Beach
 Hilton Garden Inn
2
 $260
32,000
 $0.0081
Hong Kong
 Conrad Hong Kong
4
 $3,485
320,000
 $0.0109
Macau
 Conrad Macao
4
 $3,014
64,000
 $0.0471
Shanghai
 Waldorf Astoria Shanghai on the Bund
2
 $1,874
160,000
 $0.0117
Tokyo
 Conrad Tokyo
4
 $3,683
320,000
 $0.0115
Osaka
 Hilton Osaka
4
 $1,907
200,000
 $0.0095
Beijing
 Doubletree Beijing
9
 $1,759
90,000
 $0.0196
Los Angeles
 Embassy Suites LAX South
2
 $491
80,000
 $0.0061
Edmonton
 Hampton Inn Sherwood Park
1
 $96
17,000
 $0.0057
Lake City
 Home2 Suites
1
 $177
29,000
 $0.0061
Chattanooga
 Embassy Suites at Hamilton
1
 $223
34,000
 $0.0066
Colby, Kansas
 Hampton Inn Colby
2
 $277
46,000
 $0.0060
Breckenridge, CO
 Doubletree Breckenridge
2
 $489
68,000
 $0.0072
Great Falls, Montana
 Hampton Inn Great Falls
2
 $293
51,000
 $0.0057
Chicago
 Hampton Inn Majestic
2
 $760
100,000
 $0.0076
Chicago
 Hilton O'Hare Airport
1
 $261
39,000
 $0.0067
Sorrento
 Hilton Sorrento Palace
2
 $1,152
102,000
 $0.0113
Venice
 Hilton Molino Stucky
2
 $1,318
104,000
 $0.0127
Innsbruck
 Hilton Innsbruck
1
 $379
40,000
 $0.0095
Paracas
 Doubletree Resort Paracas
6
 $2,366
238,000
 $0.0099
Cusco
 Hilton Garden Inn Cusco
2
 $527
78,000
 $0.0068
Orlando
 Doubletree Suites Orlando
3
 $627
91,000
 $0.0069
Reykjavik
 Hilton Reykavik Nordika
3
 $1,689
180,000
 $0.0094
Reykjavik
 Reykjavik Konsulat
3
 $2,444
210,000
 $0.0116
San Diego
 Hotel del Coronado
3
 $2,031
285,000
 $0.0071
Belfast
 Hilton Belfast Templepatrick
6
 $1,096
180,000
 $0.0061
New York
 The London NYC
4
 $2,420
380,000
 $0.0064
Las Vegas
 Home2 Suites Las Vegas Strip South
1
 $114
15,000
 $0.0077
Singapore
 Conrad Centennial Singapore
2
 $1,139
120,000
 $0.0095
Total
 $42,593
4,272,800
SPG
Weimar
 Hotel Elephant
4
 $904
40,000
 $0.0226
Cairo
 Le Meridien Cairo Airport
2
 $382
8,000
 $0.0478
Cairo
 Le Meridien Pyramids (suites)
2
 $483
12,000
 $0.0403
Rhodes
 Sheraton Rhodes
2
 $279
7,000
 $0.0400
Total
 $2,049
67,000

Darren and family have completely blown us away with their points savvy and incredible trips. You guys are truly an inspiration!

Updated on 9/7/22.

Featured image by LightRocket via 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.

TPG featured card

Best for businesses with high spending
TPG Editor‘s Rating
4.5 / 5
Go to review

Rewards

2 - 10X miles

Intro offer

LIMITED-TIME OFFER: Earn up to 400K bonus miles

Annual Fee

$395

Recommended Credit

740-850
Excellent

Why We Chose It

The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)

Pros

  • The Capital One Venture X business card has a very lucrative welcome offer.
  • In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
  • Business owners are also able to add employee cards for free.

Cons

  • The card requires significant spending to earn the welcome offer.
  • Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
  • LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month
  • Top rated mobile app
Apply for Capital One Venture X Business
at Capital One's secure site
Terms & restrictions apply. See rates & fees
Best for businesses with high spending
TPG Editor‘s Rating
4.5 / 5
Go to review

Rewards Rate

2X miles2 miles per dollar on every purchase
5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel
10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business Travel
  • Intro Offer

    LIMITED-TIME OFFER: Earn up to 400K bonus miles
  • Annual Fee

    $395
  • Recommended Credit

    740-850
    Excellent

Why We Chose It

The Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit. (Partner offer)

Pros

  • The Capital One Venture X business card has a very lucrative welcome offer.
  • In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.
  • Business owners are also able to add employee cards for free.

Cons

  • The card requires significant spending to earn the welcome offer.
  • Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel.
  • LIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 months
  • Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
  • Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
  • With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
  • Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
  • Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • This is a pay-in-full card, so your balance is due in full every month
  • Top rated mobile app