Capital One Credit Card

Capital One offers some of the best cash-back and rewards credit cards available to consumers and small business owners. The Savor and Venture cards both rank on Select's list of best dining and travel cards, respectively, and other cardholders can earn generous rewards on everyday spending.

capital one credit card

Capital One often updates its cards to make them more competitive and even adjusts them to meet consumers' changing spending habits. Most recently, Capital One introduced its first-ever premium credit card, the Capital One Venture X Rewards Credit Card. Before that, the Savor cards added bonus rewards on Uber purchases and streaming services and Capital One expanded the reward redemption options for its Venture cards.

Who's this for? The Capital One Quicksilver Cash Rewards Credit Card is an easy-to-use no-annual-fee credit card that offers cash back and a generous welcome bonus. Cardholders earn 1.5% cash back on everything you buy, which can be conveniently redeemed at any time and for any amount.

The Quicksilver card also has no foreign transaction fees and provides *24-hour travel assistance, extended warranty protection and access to premier culinary, entertainment and sports event experiences. Cardholders also enjoy up to six months of complimentary Uber One membership statement credits through Nov. 14, 2024.

Who's this for? The Capital One Venture Rewards Credit Card is a great choice for travelers that aren't loyal to a particular hotel chain. This card offers one of the best rewards programs for travel, especially hotel bookings. Cardholders earn unlimited 2X miles on every purchase, plus 5X miles on hotel and rental cars booked through Capital One Travel.

Other great perks: A noteworthy perk of this card is a Global Entry or TSA PreCheck application fee credit every four years worth up to $100. If you travel through airports often, this benefit can save you time and money.

While Venture does come with a $95 annual fee, it's low compared to some other travel cards with annual fees over $500. This card has no foreign transaction fees and comes with a variety of travel perks, such as 24-hour travel assistance services and an auto rental collision damage waiver.

Other great perks: The card is loaded with benefits, including an up to $100 statement credit for either Global Entry or TSA PreCheck, complimentary cell phone insurance* and access to Capital One Lounges as well as the extensive network of Priority Pass and Plaza Premium airport lounges worldwide. Every year, cardholders receive up to $300 back in statement credits each year for bookings made through Capital One Travel and a 10,000-mile bonus on each account anniversary.

The card has a $395 annual fee, which is on the lower end for a premium credit card, but it can be quickly made back if you maximize the card's features. There is no fee on purchases made outside the U.S.

Who's this for? If your ideal night is ordering takeout and streaming a movie, you should consider the Capital One Savor Cash Rewards Credit Card. This card offers 10% cash back on purchases with Uber and Uber Eats, 4% on dining and entertainment, 3% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases.

Who's this for? If you want to learn how to use credit responsibly while in college, the Journey Student Rewards from Capital One can help teach you good habits without charging an annual fee. This card encourages you to pay on time with the benefit of earning extra cash back.

Cardholders earn 1% cash back on all purchases, which increases to 1.25% for every billing cycle that you make at least your minimum payment on time. While paying the minimum keeps your account current and prevents late fees, we encourage you to pay in full to avoid interest charges from this card's steep 29.99% variable APR. Responsible use during college for purchases and bill payments could boost your credit score upon graduation.

Take note that this college student credit card doesn't require you to be a student to qualify, but you will need to show that you meet income requirements by providing your employment status and total annual income during the application process.

Other great perks: Beyond rewards and the ability to build credit, you can use this card abroad with no foreign transaction fees and benefit from auto rental collision damage waiver and more.

Who's this for? Prospective cardholders with bad credit may find it difficult to open a traditional, unsecured credit card. However, there's often the opportunity to qualify for a secured card, such as the Capital One Platinum Secured Credit Card, which can be used to make purchases just like an unsecured card.

The main difference is that you'll be required to make a $49, $99 or $200 security deposit, based on your creditworthiness, to receive a $200 credit limit. This card stands out for offering the chance to qualify for a lower deposit and still receive the same $200 credit limit.

To determine which credit cards offer the best value, Select analyzed Capital One credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

IMPORTANT: Already using your card on BJs.com or in a mobile wallet? Don't forget to activate your physical card so that you can use your card at the gas pump, in-club or anywhere else Mastercard is accepted! To do this, make sure you:

If you want to make payments from your existing online bank account to pay Capital One, please make sure to update the payment information as follows. Update the account number with the full 16 digit account number found on your most recent credit card or statement. Your payment will be rejected if you do not provide the 16 digit account number. Select the Capital One product you are attempting to pay such as Capital One Credit Cards. If prompted, enter in the remittance address found on your statement.

All cardmembers who are eligible to receive one should have a card shipped by February 27, but it may arrive by March 9. After February 27, there are still other ways that you may use your account to make purchases:

If you've set up automatic monthly payments (to pay balances on your card), those settings and scheduled payments may have transferred to your new Capital One account. You should have received an email or letter that will notify you if your AutoPay settings will or will not transfer.

If you have authorized users, they have remained on your account. Authorized users will automatically receive a new card; however, the account number will change and will be a different number than the primary cardmember. Only the primary member or cardmember (not a spouse or other family member) may redeem card rewards.

2 You will earn 5% back in REI Co-op Mastercard Rewards on net purchases (purchases minus any credits or returns) made at REI retail locations and REI.com. Purchases include full-price and discount-price items, REI gift cards, services, fees and REI adventure travel-invoiced trip payments. You will also earn 5% back in REI Co-op Mastercard Rewards for donations made to the 501(c)(3) REI Cooperative Action Fund at REIfund.org or in-store at point-of-sale. Purchases made on promotional credit plans at REI do not qualify for rewards.

3 You will earn 1.5% back in REI Co-op Mastercard Rewards on all other purchases. Earnings will apply to net purchases only. Cash advances and balance transfers are not considered purchases and will not earn rewards.

4 To redeem rewards, accounts must be in good standing, which means that they cannot be suspended, restricted, delinquent or otherwise in default. Rewards are not earned for pending transactions; rewards will be earned when the transaction posts to your credit card account. Earned rewards are usually visible online within 10 days, but may take up to 2 statement cycles to post to your account.

6 You will earn $50 account credit when you use your card to make an REI Co-op Experiences purchase, including multiday and single-day trips and instructional courses. The account credit will be applied to your account within 6-8 weeks from the time of the purchase. This benefit is limited to one account credit per calendar year.

Many of the card offers that appear on this site are from companies from which we receive compensation. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. This site does not include all credit card companies or all card offers available in the marketplace.

Cardholders can also take advantage of many digital tools from Capital One, including intelligent, real-time purchase notifications, security alerts, 0% fraud liability if the card is lost or stolen, and the ability to lock and unlock their card directly through the Capital One mobile app.

In addition to the Capital One Walmart Rewards Mastercard, Walmart and Capital One are offering the Walmart Rewards Card. These cardholders will earn the same 5% back on purchases made at Walmart.com and on the Walmart app; the 5% introductory offer for using Walmart Pay in stores for the first 12 months after approval and an unlimited 2% back on Walmart purchases in stores outside of the introductory offer; and 2% back at Walmart Fuel Stations. 041b061a72