All information about Capital One Savor Cash Rewards Credit Card and Capital One Spark Miles for Business has been collected independently by hfyhpf120.com and has not been reviewed by the issuer.
Comparing Capital One Credit Cards
Updated: December 28, 2020
Imagine credit cards that are easy to use, miles that are easy to redeem and rewards that are easy to love. Capital One has all this and more. You will find travel cards, cash back cards and products for the consumer just starting out, all backed by one of the nation’s largest banks.
The best Capital One credit card is the 10th largest bank in America, it’s little surprise the breadth of services Capital One offers.
From consumer to commercial, this bank offers a wide range of financial opportunities. Here are some of the services offered.
- Credit cards – from credit building to rewards and cash back
- Banking – from checking and kids savings to CDs and IRAs
- Auto – for new or used car loan, or refinancing
- Invest – through Capital One Investing
- Credit cards – Spark Cash and Spark Miles
- Banking – checking and savings
- Borrow – includes business loans
- Invest – includes creating 401(k) plans
- Manage – merchant services and cash management
- Commercial lending – from term loans to lines of credit
- Depository services – commercial checking, savings or CDs
- Treasury management – digital tools and automated solutions
- Capital markets – from foreign exchange to public finance
- Private banking & wealth management – from asset management to trust services
- Corporate card – The One Card from Capital One simplifies expenses, accounts payable and billing processes
Which Capital One card is best for you?
Yes, other card issuers have higher end cards with lots of fancy features that you may or may not use, but a Capital One card is guaranteed to serve you well, depending on what you seek. Here is who can benefit from Capital One products:
The foodie who loves dining out
There are two cards to choose from for experiences. There’s little question that the Savor Cash Rewards card’s 4% back on dining out and entertainment is unbeatable, but if you want to avoid the annual fee, the SavorOne offers a superior 3% back for the same categories. That’s unlimited, making this a millennial’s dream.
There are two options for the traveler, both great for domestic and international, and they are the Venture Rewards and the VentureOne Rewards. The VentureOne is best for the occasional traveler who just can’t justify an annual fee, and the Venture is great for the traveler who wants to max out spending.
The seeker of convenience
Want a cash back card that you don’t have to think about to get great rewards back? The Quicksilver and QuicksilverOne cards have the same across-the-board cash back offer, although the QuicksilverOne has an annual fee and no sign-up bonus in exchange for only recommending fair credit.
Compare Quicksilver cards…
|Card||Capital One Quicksilver Cash Rewards||Capital One QuicksilverOne Cash Rewards|
|Sign-up bonus||$200/$500 spend in 3 mths||N/A|
|Rewards||1.5% cash back||1.5% cash back|
|Spend||$500 a mth/12 mths||$500 a mth/12 mths|
|Recommended credit||Good, excellent||Average, fair, limited|
|Total end of first year||$200+$90=$290||$90-$39=$51|
The consumer just starting out
If you have thin or fair credit, Capital One offers two cards to choose from. The Capital One Platinum is a good choice for the consumer with fair credit, while the Capital One Secured accepts consumers who have no credit history. Neither has an annual fee.
The business owner
Whether you travel often for work or you have a fair amount of business expenses, Capital One has two business cards to choose from – the Spark Cash for Business offers cash back on all purchases, and the Spark Miles for Business offers miles on all purchases. Both cards’ $95 annual fee is waived the first year.
Capital One rewards program and best redemption options
It’s relatively easy to earn and redeem with the Capital One rewards program.
With the cashback program, you simply log in and follow the prompts to redeem. You can even set it up to automatically get your cash back. You can use your cash back for statement credits, a check, gift cards or donate to charity.
With the Capital One travel rewards program, you earn miles for all purchases and you get a sign-up bonus as well. A big advantage to the Capital One travel rewards program is that you aren’t tied down by loyalty to brands, and you aren’t limited to rewards for specific types of purchases. And you can also transfer your miles to a number of airline partners and travel loyalty programs.
You can use your miles for travel in the past 90 days, book new travel through Capital One, gift cards, a check or you can transfer them to another account. One plus about Capital One Venture cards: You always get 1:1 for travel redemption of miles. Redemption even includes spending on Airbnb and Uber.
Other benefits of having Capital One credit cards
From no foreign transaction fees to travel accident insurance, Capital One cards offer a plethora of benefits, including travel and retail; apps and digital services; and security. Here’s what this bank issuer offers:
Travel and shopping
No foreign transaction fees
Capital One cards don’t charge foreign transaction fees, saving you about 3% to 5% per purchase outside the U.S.
24-hour travel assistance
You can get an emergency replacement card and a cash advance any time, along with emergency, medical, travel and legal referral services. The extent of services available (like roadside assistance) vary by card.
Auto rental collision damage waiver
An eligible rental vehicle is covered for damage due to theft, collision or possibly towing charges. Further coverage may depend on your card and whether it’s a domestic or international rental.
Travel accident insurance
When the entire travel fare is purchased using your card, eligible losses are covered at no extra charge.
At no extra charge, you could receive an @creditcards_lm.