As some others have stated, it does take a few months for the miles to be activated. However, when you actually do redeem a purchase with your miles it applies within less than a day. I recently experienced fraudulant charges while I was out of the country. Capital One sent me notifications, but unfortunately I had no cellular service at the time. As soon as I returned and saw the charges I contacted customer service and they took care of the investigation immediately and removed the charges from my account. In my experience, their customer service reps have always been super friendly and helpful. I have no complaints about this card or Capital One. This was my first credit card. I applied a little over a year ago with a 720 credit score.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 13.49% - 23.49%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* for 12 months
- Purchase Regular APR 13.49% - 23.49%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Like another reviewer, I too was approved for this card, spent the 1k with the intention of getting the 20k bonus miles. After spending $2500, in the first month, I called and ask how many billing cycles the bonus takes to hit my rewards account. I was then told I wasnt eligible for the bonus since there are different approval levels. Nowhere during the application process was this ever stated.
Classic bait and switch, I cut this card up and wont do business with Capital One again.
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