A lot of people assume you need a premium travel card to start earning meaningful miles. That's not true. With the Capital One SavorOne you can quietly build up a pile of miles from day one, even before you ever apply for a dedicated travel card. Step 1 — Earn cash back with the SavorOne The SavorOne earns cash back in these categories: 3% Dining, entertainment, groceries & streaming 1% All other purchases Annual fee: $39 Step 2 — The key insight: 1 cent = 1 mile Here's where it gets interesting. Capital One lets you convert cash back into miles at a rate of 1 cent = 1 Capital One mile. That means your 3% cash back effectively becomes 3 miles per dollar spent on dining, groceries, and entertainment — better than most dedicated travel cards out of the box. Step 3 — The euro bonus (if you spend in Europe) If you're spending in euros, the exchange rate works strongly in your favor right now. The SavorOne has no foreign transaction fees, so every euro you spend gets converted to dollars at the market rate — and at the current rate, €100 = $116. That means your cash back is calculated on the higher dollar amount, not the euro amount. Practical example: you spend €100 at a restaurant in Europe. Your card charges you on $116. At 3% cash back, that's $3.48 back — or 348 miles, instead of just 300 miles you'd get on a flat $100 purchase. The stronger the euro, the more miles you stack without doing anything differently. Edit: Just realized you can buy Amazon Gift Cards and others in the Grocery Store and get 3% on that as well :D Step 4 — Later, add the Venture and unlock transfers Once you're ready to take things to the next level, apply for a Capital One Venture (or Venture X). This is a miles-earning card that gives you access to Capital One's transfer partners — over 15 airlines and hotels like Air Canada Aeroplan, Turkish Airlines Miles&Smiles, Virgin Red, and more. Once you hold both cards, you can combine your rewards: transfer all the cash back you've been stacking on your SavorOne directly to your Venture account, where it becomes fully transferable miles. At that point, instead of 1 cent per mile in cash value, you could be redeeming at 2–4+ cents per mile through smart partner transfers — potentially 2–4x the value.

Hello! I just got my first C1 CC wit a CL of 500USD and want to use it the best way. What is the best way? Sometimes I read that you should keep the Credit Utilization Rate low at around 10% Is that true? That means with my CC I should only spend 50USD.- What I did: I spend almost 500 USD and before the date due I lowered it to 50USD with a payment. Now the statement is 50 USD and I need to pay this. My idea: I show the bank that I actually use the card but at the same time CU is kept low. Any ideas on that?

As so many I was able to open a C1 bank account and later got restricted. I also got approved for my very first US CC: The C1 SavorOne! I got the physical card and I am spending money with it. Very cool! But what happens if my checking account gets closed? Will it affect my credit card? Any experiences? Thanks for your help!

The one card you’d consider the final boss, and why?

Hi just wondering if anyone here has 24/7 parcel and uses it for Chase, Capital One?/