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#1 for flat-rate cash back
Capital One Quicksilver Cash Rewards Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro Bonus
$200

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual Fee
$0
Regular APR
15.49% - 25.49% variable
#1 for building credit
Capital One Platinum Credit Card

Fair to Good

Credit Recommended (580-740)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
26.99% variable
#1 for travel
Capital One Venture Rewards Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn unlimited 2X miles on every purchase, every day.

At A Glance

Intro Bonus
60,000 miles

Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel

Annual Fee
$95
Regular APR
17.24% - 24.49% variable

More Cards from Capital One

Capital One SavorOne Cash Rewards Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3%
Earn unlimited 3% cash back on dining and entertainment
2%
Earn 2% at grocery stores
1%
Earn 1% on all other purchases

At A Glance

Intro Bonus
$200

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Fee
$0
Regular APR
15.49% - 25.49% variable
Secured Mastercard® from Capital One

No Credit History

Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
26.99% variable
Capital One VentureOne Rewards Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.25X
Earn unlimited 1.25X miles on every purchase, every day.

At A Glance

Intro Bonus
20,000 miles

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Annual Fee
$0
Regular APR
15.49% - 25.49% variable
Capital One Quicksilver Cash Rewards for Good Credit

Fair to Good

Credit Recommended (580-740)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
26.99% variable
Capital One Spark Cash for Business

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

At A Glance

Intro Bonus
$500

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Annual Fee
$95, waived first year
Regular APR
20.99% variable
Capital One QuicksilverOne Cash Rewards Credit Card

Fair to Good

Credit Recommended (580-740)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro Bonus
No current offer
Annual Fee
$39
Regular APR
26.99% variable
Capital One SavorOne Cash Rewards for Good Credit

Fair to Good

Credit Recommended (580-740)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3%
Earn unlimited 3% cash back on dining and entertainment
2%
Earn 2% at grocery stores
1%
Earn 1% on all other purchases

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
26.99% variable

More travel cards from Capital One

Capital One VentureOne Rewards Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.25X
Earn unlimited 1.25X miles on every purchase, every day.

At A Glance

Intro Bonus
20,000 miles

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Annual Fee
$0
Regular APR
15.49% - 25.49% variable

More cash back cards from Capital One

Capital One SavorOne Cash Rewards Credit Card

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

3%
Earn unlimited 3% cash back on dining and entertainment
2%
Earn 2% at grocery stores
1%
Earn 1% on all other purchases

At A Glance

Intro Bonus
$200

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual Fee
$0
Regular APR
15.49% - 25.49% variable
Capital One QuicksilverOne Cash Rewards Credit Card

Fair to Good

Credit Recommended (580-740)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro Bonus
No current offer
Annual Fee
$39
Regular APR
26.99% variable
Capital One Spark Cash for Business

Good to Excellent

Credit Recommended (670-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

At A Glance

Intro Bonus
$500

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Annual Fee
$95, waived first year
Regular APR
20.99% variable

Editorial disclosure: All reviews are prepared by hfyhpf120.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

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.

Consumer

  • 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

Business

  • 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

  • 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.

The traveler

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…

CardCapital One Quicksilver Cash RewardsCapital One QuicksilverOne Cash Rewards
Sign-up bonus$200/$500 spend in 3 mthsN/A
Rewards1.5% cash back1.5% cash back
Spend$500 a mth/12 mths$500 a mth/12 mths
Annual fee$0$39
Recommended creditGood, excellentAverage, 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.

Extended warranty

At no extra charge, you could receive an @creditcards_lm.