Estimate this card's 2-year value based on your spending, the annual credits you expect to use, and whether you're on pace to earn the welcome offer. Annual fees and reward valuations are included.
Based on your current assumptions.
Choose how you expect to use your miles. This valuation is used for both your welcome offer and rewards from spending.
How much qualifying spend would you put on this card each month?
You're on pace to meet the $10,000 spend requirement.
Enter your expected yearly spend by category. Miles valued at 1.85¢ each.
Hotels (Capital One Business Travel), Vacation Rentals (Capital One Business Travel), Rental Cars (Capital One Business Travel)
All Purchases (Everywhere)
Include only the credits you expect to use.
Your assumptions
Choose how you expect to use your miles. This valuation is used for both your welcome offer and rewards from spending.
How much qualifying spend would you put on this card each month?
You're on pace to meet the $10,000 spend requirement.
Enter your expected yearly spend by category. Miles valued at 1.85¢ each.
Hotels (Capital One Business Travel), Vacation Rentals (Capital One Business Travel), Rental Cars (Capital One Business Travel)
All Purchases (Everywhere)
Include only the credits you expect to use.
How the math works
We add the value this card could provide over two years, then subtract what it costs to keep.
A welcome offer can make the first year look unusually valuable. Two years balances that one-time offer against the card’s ongoing value and cost.
Based on the choices above
Counted once
Counted in both years
No annual credits selected
Annual fees
First-year fee + ongoing annual fee
Estimated 2-year value
A planning estimate, not a guarantee.
We apply the card’s reward rate to the yearly spending you entered for each category. Spending above a category cap earns the card’s base rate, and the yearly rewards total is counted twice.
We count the offer once and include only the value your monthly spending puts you on pace to earn within the offer’s stated deadline.
Only the credits you turned on are included. We assume you use each selected credit in both years.
We use the redemption method or point value shown in the calculator. The value you actually receive can vary depending on how you redeem your rewards.
We subtract the card’s first-year fee and its ongoing annual fee. If the first-year fee is waived, the first year counts as $0.
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