Capital One is behind more credit cards than you realize.
Below we offer a list of Capital One “branded” credit cards as well as cards issued by Capital One in partnership with major retailers. Information checked for accuracy on April 25, 2024.
card_name – Why Choose It? Offers the desirable features of more expensive travel cards, but the Capital One Venture X strips away the fluff to keep the annual fee reasonable.
That annual fee is annual_fees, but it’s not difficult to justify once you see the many places where you gain value from the card.
First, you can get up to $300 in travel credits each year when you book travel through the Capital One Travel platform.
And then you’ll get value from potential bonuses. There’s the Early Spend Bonus (bonus_miles_full.)
And then the Anniversary Miles Bonus that kicks in starting on your first anniversary of having the card — that’s 10,000 bonus miles (equal to $100 towards travel).
In terms of rewards on everyday purchases, earn unlimited 10 miles per dollar in purchases on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases.
And don’t forget airport lounge access through the Priority Pass network & the new Capital One Lounges, plus quite a bit more.
card_name – Why Choose It? If the Venture X listed above has too high of an annual fee for you, this alternate Capital One travel credit card still offers plenty at a more do-able annual_fees annual fee.
Earn unlimited 2 miles per dollar on every purchase (but 5 miles per dollar on hotels and rental cars booked through Capital One Travel), and use those miles to pay for travel or even transfer them into the loyalty programs of Capital One travel partners.
Other perks include a credit toward your Global Entry or TSA PreCheck application (up to $100 when paid with the card), Hertz Five Star status, no foreign transaction fees on purchases outside of the United States and more.
EARLY SPEND BONUS: bonus_miles_full.
card_name – Why Choose It? Earn Capital One Miles on a no-annual-fee card that also has no foreign transaction fees, a 0% intro APR offer, and a nice new cardholder bonus.
EARN: Unlimited 1.25 miles per dollar on every purchase, and earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel.
EARLY SPEND BONUS: bonus_miles_full.
Intro APR: intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration. (Balance Transfer Fee: balance_transfer_fees). Regular APR after intro offers: reg_apr,reg_apr_type.
card_name – Why Choose It? Easy-to-understand cash back credit card gives 1.5% cash back on every purchase you make with the card, so it’s not necessary to think about purchasing categories when you carry this one. No annual fee to worry about, either.
EARLY SPEND BONUS: bonus_miles_full.
card_name – Why Choose It? Capital One’s SavorOne offers generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee. (No foreign transaction fees, either, perfect when traveling outside of the United States!)
EARN:
- 3% cash back on dining
- 3% on entertainment
- 3% on popular streaming services
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 5% on hotels and car rentals booked through Capital One Travel
- 1% on all other purchases.
EARLY SPEND BONUS: bonus_miles_full.
- Capital One Savor Rewards Credit Card – Why Choose It? Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. EARLY SPEND BONUS: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. Annual Fee: $95. Information for this card not reviewed by or provided by Capital One.
Capital One Business Credit Cards:
card_name – Why Choose It? Great travel credit card for business that arguably pays for itself! While the card has a annual_fees annual fee, you get an annual $300 credit for bookings through Capital One Travel AND you will also get 10,000 bonus miles every year, starting on your first anniversary of holding the card.
Use those both and the math says you’re getting $400 worth of value even before the many other rewards and perks on this card, which include…
EARN: Unlimited 2X miles on every purchase, PLUS, when you book through Capital One Travel, you’ll earn 5X on flights and 10X on hotels and rental cars. (Redeem “miles” at a value of a penny-per-mile toward travel bookings, or transfer miles into the loyalty programs of Capital One travel transfer partners.)
EARLY SPEND BONUS: bonus_miles_full.
TRAVEL PERKS: LOUNGES: Unlimited free visits to Capital One airport lounges for you and up to 2 guests, as well as access to the more than 1200 airport lounges in the Priority Pass network.
TSA PRECHECK/GLOBAL ENTRY: Receive up to a $100 statement credit for your application to these programs. No foreign transaction fees, and more.
card_name – Why Choose It?: Simple, generous cash back formula with no annual fee and a big bonus opportunity for you as a new cardholder.
EARN: Unlimited 1.5% cash back on every purchase, everywhere, no limits or category restrictions. Plus, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
NEW CARDHOLDER BONUS OPPORTUNITY: bonus_miles_full.
card_name – Why Choose It?: Easy to understand, generous rewards.
EARN: Unlimited 2X miles on every purchase, PLUS unlimited 5X miles on hotels and rental cars booked through Capital One Travel. (Redeem “miles” at a value of a penny-per-mile toward travel bookings, or transfer miles into the loyalty programs of Capital One travel transfer partners.)
EARLY SPEND BONUS: bonus_miles_full.
ALSO: Receive up to a $100 statement credit for your application to TSA PreCheck or Global Entry, no foreign transaction fees. Annual fee: annual_fees.
Other Business Cards:
- Spark 2% Cash Plus – Unlimited 2% cash back on every purchase & unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. EARLY SPEND BONUS: Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months. $150 annual fee, but fee is refunded any year in which you spend at least $150,000. Information for this card not reviewed by or provided by Capital One.
- Spark 1.5X Miles Select – Earn unlimited 1.5X miles on every purchase for your business, with no annual fee. EARLY SPEND BONUS: Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening. Information for this card not reviewed by or provided by Capital One.
- Spark 1% Classic – If you are a small business owner who doesn’t have a strong track record with credit, this card can help you build credit while being rewarded on every purchase — Earn unlimited 1% cash back on all purchases, plus earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Information for this card not reviewed by or provided by Capital One.
For Lower Credit Scores:
card_name – Why Choose It? This popular Capital One credit card allows you to earn 1.5% cash back on all of your card purchases.
Note, however, that because this version is tailored to those with lower credit scores, it has a higher interest rate than the standard Quicksilver Rewards card as well as a annual_fees annual fee. Could be worth it as you work to build up your credit score, especially if you earn enough in rewards to make up for the annual fee.
card_name – Why Choose It? No frills, but this no-annual-fee credit card has been the starting place for many people with fair/average credit (or little credit history at all) who got turned down by other credit card issuers.
As a result, it has a fan club of grateful cardholders who held it while building their credit scores to a place where they might qualify for one of the Capital One rewards credit cards listed above. If approved, Capital One says you’ll be “automatically considered for a higher credit line in as little as 6 months.”
card_name – Why Choose It? Earn cash back while also potentially rebuilding your credit after past credit problems. EARN: unlimited 1.5% cash back on every purchase, with No Annual Fee!
You’ll put down a refundable security deposit of at least $200 (in most cases) and get an initial credit limit of that same amount, AND you’ll be automatically considered for a higher credit line in as little as 6 months with no additional deposit. Otherwise, it functions just like any other credit card, and, with responsible card use, you could earn your deposit back and upgrade to an unsecured Quicksilver card.
card_name – Why Choose It? The Capital One secured credit card option has no annual fee, and you could be automatically considered for a higher credit line in as little as 6 months.
You’ll put down a refundable security deposit of at least $200 (in most cases) and get an initial credit limit of that same amount (or maybe a little more, depending on your credit history). Otherwise, it functions just like any other credit card, and if you make your payments on time, it could be a building block toward a credit score that’s not so bad anymore.
STUDENT CREDIT CARDS:
card_name – Why Choose It? Maybe the best rewards credit card built for students! Generous cash back in everyday categories where you are likely to be doing real spending, with no annual fee!
EARN: 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. (ALSO: earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through November 14, 2024.)
EARLY SPEND BONUS: bonus_miles_full
card_name – Why Choose It? Easy-to-understand cash back credit card for students with other things on their mind — Earn a simple 1.5% cash back on every purchase you make with the card, so it’s not necessary to think about purchasing categories when you carry this one. No annual fee to worry about, either.
EARLY SPEND BONUS: bonus_miles_full
Other Capital One-Issued Credit Cards:
- Bass Pro Shops Credit Card – Outdoor store offers a credit card issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- BJ’s One Credit Cards – Popular warehouse club offers multiple credit cards issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Cabela’s Credit Card – Outdoor store offers a credit card issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Kohl’s Credit Card – Department store credit card is issued in partnership with Capital One. Information for this card not reviewed by or provided by Capital One.
- Menards Credit Card – Home improvement retailer offers multiple credit cards issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Neiman Marcus Credit Card – High-end department store’s credit card is issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Northern Tool Business Credit Card – Northern Tool’s credit card aimed at business owners/contractors is issued by Capital One. (Its consumer credit card is NOT issued by Capital One, however.) Information for this card not reviewed by or provided by Capital One.
- Pottery Barn Credit Card – Issued by Capital One, this card is part of The Key Rewards program, which also includes sister stores Williams-Sonoma, West Elm, and others. Information for this card not reviewed by or provided by Capital One.
- REI Credit Card – Popular outdoor retailer offers a Mastercard issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Saks Fifth Avenue Credit Card – High-end retailer offers the SaksFirst credit cards issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Union Plus Credit Card – Credit card with rewards and deals aimed at union members is issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- Walmart Credit Card – Massive discount retailer offer a Mastercard credit card and a store-only credit card, both issued by Capital One. Information for this card not reviewed by or provided by Capital One.
- West Elm Key Rewards Visa – Issued by Capital One, this card is part of The Key Rewards program, which also includes sister stores Pottery Barn, Williams-Sonoma, and others. Information for this card not reviewed by or provided by Capital One.
- Williams-Sonoma Credit Card – Issued by Capital One, this card is part of The Key Rewards program, which also includes sister stores Pottery Barn, West Elm, and others. Information for this card not reviewed by or provided by Capital One.
Author: Adam Jusko