Final Thoughts & The Compound Effect

Three years ago, I was leaving thousands of dollars on the table every year. Today, I'm earning nearly $3,000 per year in rewards.

The opportunity is here. The card is available. The only question is whether you're going to keep leaving money on the table, or whether you're going to start putting it back in your pocket where it belongs.

The Compound Effect

If you earn $950 per year in rewards and invest that money instead of spending it, here's what happens over time (assuming a modest 7% annual return):

$5,423 After 5 years

$13,163 After 10 years

$49,725 After 20 years

About Andrew Minshall

Personal Finance Educator & Credit Card Rewards Specialist

10+ Years Experience

I've helped over 5,000 people optimize their credit card rewards through my workshops and consultations.

Generate Your Referral Link

If you have a Capital One referral ID, you can generate a shareable link below.

Important: This site always uses the default referral ID unless someone visits via a generated link with the ?ref= parameter.

📝 How This Works:

By default, all visitors see the default referral ID (JQh5yTT8F)
When you generate and share your link, it adds ?ref=YOUR_ID to the URL
When someone clicks that exact link, your referral ID is stored for their entire browsing session
All Capital One links they click during that session will use your referral ID
If they close their browser and return, or visit without the ?ref= parameter, they'll see the default ID

Remember:

This site always shows the default referral ID (JQh5yTT8F) unless someone specifically visits via a generated link with the ?ref= parameter.

Session Persistence: Once someone visits via your referral link, your ID will be used for all pages they visit during that browsing session.

Transparency & Ethics Statement

My Promise to You:

I personally use every product I recommend
All data presented is from my actual experience
I update this guide quarterly to reflect current offers
I disclose all affiliate relationships clearly
I never recommend products based solely on commission rates

Referral System Transparency:

All Capital One links on this site use my referral ID (JQh5yTT8F) by default
When users generate a referral link, it creates a special URL with their ID
ONLY when someone visits via that special URL do they see the user's referral ID
The user's referral ID persists for the entire browsing session
All other visitors (including direct visitors, search traffic, etc.) see my default referral ID

Last Updated: December 13, 2025

Start Your Rewards Journey Today

This is the exact card I've been talking about throughout this guide. The one that helped me earn $2,847 last year.

Secure Your Card → Affiliate

By default, this application link uses the site's referral ID.