Also have you looked at the options on Vacasa with Wyndham? There are a number of 1 bedroom options between $250-$350/night where you can use 15k/night to stay there. Also if you get the Wyndham business earner card, where the annual fee is easily covered in value by the 15k/yr points you get, it comes with top tier status that gives upgrades to suites even on award nights. It also gives 10% rebate on points. Have you looked into the value per point of some points+$ stays? I’ve seen over 5 cents per point in some cases. While sure, Hyatt would have been better, there’s plenty of value in Wyndham as well, and it’s easy to get top tier status with them

Thanks for the article. I’m excited about this change too. I’ve seen where you and others have talked about the 50% bonus on transfers to Etihad this month, but would you mind sharing where you got that information? I’ve seen it on other articles like this one, but haven’t seen anything firsthand from Capital One or Etihad about it.

Hi Deng,
What exactly do you feel is “misleading” about the article? That’s a pretty hefty accusation for someone that’s giving you free quality content. I also believe your comment is much more “misleading” than this article because of errors in it. You’re saying that it’s a “fact” that “Capital One cards earn miles at a lower rate than competing cards.” Actually, Capital One is the only personal credit card option available where you can have just 1 credit card earning 2 miles per dollar across as many airlines as Capital One is now 1:1 to. On the business side of things Capital One is there too, and unlike the Amex Blue Business plus, the 2x miles are uncapped (whereas Amex BBP is capped at $50k in spending). It’s also the only miles option where you could get 1.5 miles per dollar (transferable to as many airlines as Capital one miles) on general spending on a personal credit card while paying no annual fee by holding the Quicksilver and the VentureOne Rewards cards and converting the 1.5% to 1.5 miles per dollar. Add in the 3x on the SavorOne Rewards card and that 3% cashback on dining, entertainment, popular streaming services, and grocery stores turns to 3 miles per dollar by holding a Capital One miles card like the no annual fee Venture One Rewards. If you’re a bigger spender on those categories, you can get 4x (or 4% if you prefer $) on all but groceries (which is 3x or 3% if you mistakenly prefer cash) if you hold the Savor Rewards and combine it with a miles-earning Capital One card. With Citi, there are options like that, but you have to pay an annual fee to convert the Citi Double cash’s cashback to miles. If you only value Capital One Miles at 1.25 cents per point, sure a 2.5% cashback card would be better on general spending, or even better, one option for 2.625% cashback (BoA w top tier Preferred Rewards status). The fact is, I don’t value Capital One miles at 1.25 cents per point. It’s very easy to get a lot more than that when you do something like a 1:1 transfer from Capital One to Turkish and then fly thousands of miles each way domestically on United for 15k in economy or 25k in business. Turkish isn’t a transfer partner of Chase or Amex.

Hi Barry,
All of the airlines are able to be used on domestic airlines via partnerships.

None of this changes the fact Capital One cards earn miles at a lower rate than competing cards. Bonus categories of three to five percent are common. There are at least five credit cards which offer 2.5% on all purchases.

When you consider Capital One’s atrocious customer service along with the poor earning rate of their cards, there is no reason to use Capital One cards.