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Capital One Credit Cards

Sean Bryant
Updated on: 07/04/2017
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2017Best Rewards on Everyday Spending

Capital One is one of the leading credit card issuers in the United States. What makes them even more recognizable is the star power they have behind their marketing campaigns.Everyone from Samuel L. Jackson to Jennifer Garner has made appearances. But Capital One cards are much more than just celebrity endorsements. They are perfect for anyone looking to earn travel rewards or even cash back on their everyday spending. Not only are you going to find cards that have great sign-up bonuses, but you will also find generous rewards on purchases. Plus, a majority of Capital One cards come with no annual fee.

Rewards Credit Cards from Capital One

No matter if you’ve never used a rewards credit card before or if you’re looking for something to compliment what you already have in your wallet, Capital One has some great options. Rewards cards from Capital One have something to offer for every type of person. If you love to travel and want a big sign-up bonus and flexibility in how you can use your rewards, then a card like Capital One Venture Rewards might be a great fit. But if you’d rather earn cash back and don’t want to pay an annual fee, then Capital One Quicksilver Rewards could be the card for you.

Venture Cards

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Venture rewards cards are perfect for the travel lover. Each mile that you earn can get you one step closer to checking another destination off your bucket list. Plus, the best thing about Venture rewards is that you are not limited in how you can use them. If you purchase something travel related, no matter if it’s a hotel room or a car rental, you can allocate the miles in your account to cover that expense. Would you prefer to use them for a gift card or cash back? Not a problem, you can do that as well.

Spark Miles Cards

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Spark rewards cards are very similar to Venture cards except they are designed for small business owners and independent contractors. Spark miles are great for travelers. An appealing choice for many is the Capital One Spark Miles for Business card, which comes with a very generous sign-up bonus. You will be awarded with 50,000 miles, which equates to $500 in travel after completing the initial spending requirements. But travel isn’t the only option for reward redemption with your Spark miles. You can also receive gift cards and cash back.

Dining Cards

1 cards

If you find yourself frequently eating out at restaurants for lunch or dinner, then why not have a credit card that rewards you for those expenses. The Capital One Premier Dining Rewards card offers bonus cash back at restaurants as well as at grocery stores. Plus, it comes with no annual fee, making it an inexpensive card to carry in your wallet as long as you pay your balance in full each month.

Cashback Cards

5 cards

Earning free or discounted travel is a popular use of rewards credit cards, but it isn’t for everyone. Instead, you might enjoy saving on each purchase that you make by using a cashback card. The Capital One Quicksilver Rewards card, for example, will allow you to earn a generous sign-up bonus, plus a flat cashback rate on each purchase that you make. This is the perfect card for someone that’s not interested in keeping track of a bunch of bonus reward categories.

Rewards credit cards have a lot of advantages for those that use them. No matter if you enjoy earning miles that can be used for travel, or you want to earn cash back on purchases, Capital One has a card for you. Several cards offer a big sign-up bonus, plus many cards will come with little or no annual fee each year.

Best Travel Credit Cards from Capital One of 2017

Best Card for Mile Rewards
Venture® Rewards Credit Card
How to Apply

To apply for this offer please contact
Capital One®

  • 40,000 bonus miles after you spend $3,000 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on All Other Purchases
RATING: 95Cash Back Card

Best Card for Dining Rewards
Premier Dining Rewards From Capital One
How to Apply

To apply for this offer please contact
Capital One®

  • $100 bonus after you spend $500 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • %3% on Dining
  • %1% on All Other Purchases
RATING: 97Cash Back Card

Compare Capital One Credit Cards

As one of the leading card issuers, Capital One has a credit card that can match nearly anyone's lifestyle. If you have a love for travel and want to travel hack your way to a free vacation, then a card like the Capital One Venture Rewards might be a good fit for you. If you run a small business, then you might find a card like the Capital One Spark Miles for Business to be a better option. Not only will you earn a big sign-up bonus, but you will get double miles for every purchase you make.

The one thing that you won’t find with any of the cards in the Capital One lineup is a high annual fee. Capital One believes in giving cardholders the benefits hey want without charging a hefty fee to enjoy them.

Credit Card
Annual Fee
APR
Bonuses & Rewards
Spark® Cash Select for Business

Spark® Cash Select for Business

RATING: 98Cash Back Card
Annual Fee
$0
APR
13.99% to 21.99% Variable±
Bonuses & Rewards
  • $200 once you spend $3000 on purchases within the first 3 months from account opening
  • No Foreign Transaction Fee
  • %1.5% on Travel
  • %1.5% on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

Premier Dining Rewards From Capital One

Premier Dining Rewards From Capital One

RATING: 97Cash Back Card
Annual Fee
$0
APR
15.49% to 24.49% Variable±
Bonuses & Rewards
  • $100 bonus after you spend $500 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • %3% on Dining
  • %1% on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

More Details
Spark® Miles Business Credit Card

Spark® Miles Business Credit Card

Venture® Rewards
RATING: 98Cash Back Card
Annual Fee
$0 first year, then $59
APR
17.99% Variable±
Bonuses & Rewards
  • 50,000 miles—equal to $500 in travel—once you spend $4,500 within the first 3 months
  • No Foreign Transaction Fee
  • 2xMiles on Travel
  • 2xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

Venture® Rewards Credit Card

Venture® Rewards Credit Card

Venture® Rewards
RATING: 95Cash Back Card
Annual Fee
$0 first year, then $59
APR
13.99% to 23.99% Variable±
Bonuses & Rewards
  • 40,000 bonus miles after you spend $3,000 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • 2xMiles on Travel, Dining and Car Rental
  • 2xMiles on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

More Details
Spark® Cash for Business

Spark® Cash for Business

RATING: Cash Back Card
Annual Fee
$0 first year, then $59
APR
17.99% Variable±
Bonuses & Rewards
  • $500 cash bonus once you spend $4,500 on purchases within the first 3 months
  • No Foreign Transaction Fee
  • %2% on Travel
  • %2% on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

VentureOne® Rewards Credit Card

VentureOne® Rewards Credit Card

Venture® Rewards
RATING: 93Cash Back Card
Annual Fee
$0
APR
12.99% to 22.99% Variable±
Bonuses & Rewards
  • 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months.
  • No Foreign Transaction Fee
  • 1.25Miles on Travel, Dining and Car Rental
  • 1.25Miles on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

More Details
Spark® Miles Select Business Credit Card

Spark® Miles Select Business Credit Card

Venture® Rewards
RATING: 98Cash Back Card
Annual Fee
$0
APR
13.99% to 21.99% Variable±
Bonuses & Rewards
  • 20,000 bonus miles after you spend $3,000 in the first 3 months.
  • No Foreign Transaction Fee
  • 1.5Miles on Travel
  • 1.5Miles on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

More Details
Quicksilver® Cash Rewards Credit Card

Quicksilver® Cash Rewards Credit Card

RATING: 93Cash Back Card
Annual Fee
$0
APR
13.99% to 23.99% Variable±
Bonuses & Rewards
  • $100 bonus once you spend $500 on purchases within the first 3 months.
  • No Foreign Transaction Fee
  • %1.5% on Travel, Dining and Car Rental
  • %1.5% on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

More Details
Spark® Classic for Business

Spark® Classic for Business

RATING: Cash Back Card
Annual Fee
$0
APR
23.99% Variable±
Bonuses & Rewards
  • No Foreign Transaction Fee
  • %1% on Travel
  • %1% on All Other Purchases
How to Apply

To apply for this offer please contact
Capital One®

Capital One Venture and Spark Rewards Program

Many people recognize Capital One Venture rewards program because of their high profile television commercials with Jennifer Garner. However, the Venture program is much more than just a celebrity endorsement opportunity. It’s a no-hassle rewards program that can help you earn free travel and much more. No matter if this is your first rewards card or you have been collecting miles for some time, the Capital One Venture program could be perfect for you.

While some programs let you focus on earning points or miles that can be used on individual airlines or hotels, Capital One Venture rewards are a little different. With the Venture program, you will have the chance to use the rewards you earn on any travel expense. It’s a hassle-free way of earning and redeeming rewards. Each Venture mile is worth one cent when redeemed for travel.

The Venture Rewards and Spark Miles for Business cards are great options from Capital One. Both cards offer two miles per dollar for every purchase. That means you’ll effectively be getting a value of two cents per mile.

However, travel isn’t the only thing you can redeem Capital One Venture miles for. You will also have the opportunity to use them toward gift cards, merchandise and for cash back. The only downside is that the value per point will be less for anything other than travel.

Capital One runs their Venture and Spark programs under different names; however, they work in exactly same way. The only difference is that the Capital One Spark program is for business cardholders.

How to Use Capital One Venture and Spark Rewards

With both Venture and Spark Miles cards, you can use your miles to book upcoming travel plans or to cover the cost of past travel expenses. To book future travel, you can use the Capital One travel portal powered by Orbitz. You just need to locate the flight, hotel or vacation package that you would like to book and then apply your miles.

Alternatively, you can use your miles to cover past travel expenses with the Purchase Eraser. If you booked any type of travel with your Capital One card, you can go back within 90 days and apply your miles towards that expense.

Rewards Value

Value Of Venture And Spark Rewards:
Up to 2 cents
Airline Partners:
0 airlines
Hotel Partners:
0 hotels
Redeem:
Travel, cash back, gift cards, merchandise
Learn More

Capital One Bank

Capital One Credit Cards Benefits

Capital One credit cards offer much more than just nice sign-up bonuses and the ability to earn rewards on every purchase. They also help provide you with protection, whether it is shopping or travel. Each Capital One credit card will come with certain benefits that can potentially help keep more money in your pocket and less stress in your life. While not all cards come with the same benefits, most will include the following.

Extended Warranty

When you make a purchase with your Capital One credit card, any manufacturer's warranty less than three years will be doubled, adding up to one extra year. The item must be purchased entirely with your Capital One card and the value of the benefit will not exceed the value of the item purchased.

Travel Accident Insurance

The next time you book your vacation using your Capital One credit card, you can feel more relaxed knowing you have travel accident insurance. You, your spouse and any unmarried dependents will be insured for up to $250,000

Lost Luggage Reimbursement

No one ever wants to travel and have the airline lose their luggage, but occasionally it happens. When you book your travel plans using a Capital One card, you will receive lost luggage reimbursement. This will compensate you up to $3,000 ($2,000 for New York residents). Only checked luggage and carry-on bags are covered.

Auto Rental Collision Damage Waiver

The next time you rent a car with your Capital One card you can decline the rental company’s coverage. The reason is that you will receive secondary auto rental collision damage coverage. You will only receive compensation after you have filed a claim with your primary insurance company and they have paid out on the claim.

No Foreign Transaction Fees

The next time you travel out of the United States you can be confident when pulling out your Capital One credit card to make a payment. That’s because, unlike some other issuers, you will never pay any foreign transaction fees with Capital One.

Travel Upgrades And Savings

All Capital One Visa Signature credit cards will also come with travel upgrades and savings opportunities. For discounted movie tickets, for example, you can visit Fandango.com/VisaSignature.

Capital One Online Banking

Capital One’s online banking tools will give you easy access to all your accounts. Not only will you be able to do things like check your balance, pay your bills and view statements, but you will also have access to other useful features.

Through your online banking account you will be able to dig deeper with enhanced transactions. This will allow you view more information about each transaction you make, including location, amount and merchant name/logo. Plus, you will also receive access to CreditWise from Capital One. This will allow you to stay up to date on everything happening with your credit, including the things that impact your score the most.

Mobile Banking

Just like online banking, mobile banking with Capital One can help make your life easier. Through the Capital One mobile app you will have access to Zelle. This will give you an easy way to send and receive money with your friends and family. All it requires is their mobile number or an email address. Plus, you will have the ability to deposit checks through the mobile check deposit function.

You will also have access to Capital One’s digital wallet. You can use this for many different things, including transaction notifications. You will also be able to stay organized by taking photos of receipts and even locking your account if your information falls into the wrong hands.

Capital One Fraud Protection

Capital One takes your security very seriously. If they notice anything that seems out of the ordinary with any of your accounts, they will call you. They want to get to the bottom of fraud before it has the chance to escalate. Plus, with the Capital One mobile app you will have a chance to monitor your account on your own. You can set up purchase alerts to let you know when your card is used.

How to Report Chase Fraud

If you suspect that fraud has taken place on your Capital One credit card, then you are encouraged to call customer support at 1-800-427-9428. If you receive a suspicious email, then you can send it to abuse@capitalone.com.

RewardExpert’s Best Capital One Credit Cards

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FAQs

Need more info? Check out our FAQ. If you have any questions, don't hesitate to get in touch with us.

  • Yes, you will still earn rewards any month that you don’t pay off your credit card balance in full. You only need to make the minimum payment on your account.
  • You will earn rewards on all annual net purchases. This does not include any of the following activities: purchase checks, purchase credits, traveler’s check purchases, cash advances, access checks and cash equivalent transactions.
  • The majority of Capital One credit cards will require you to have excellent credit in order to be approved. However, there are a couple cards that will still approve you with an average credit score. Those cards include: Capital One QuicksilverOne Rewards and Capital One Spark Classic for Business.
  • Yes, there are several Capital One cards that offer an introductory 0% APR on either purchases or balance transfers. The Capital One Quicksilver card offers an introductory 0% APR on purchases and balance transfers for the first nine months. The Capital One VentureOne Rewards card will give you an introductory 0% APR on purchases for the first 12 months. You will also receive an introductory 0% APR on purchases for nine months with the Capital One Spark Cash Select. Finally, you will receive an introductory 0% APR for nine months on purchases with the Capital One Spark Miles Select card.

  • Your Capital One rewards will never expire as long as you keep your account open, active and in good standing. If you stop paying your account balance, including the minimum payment, then you will risk having your account closed and the forfeiture of your reward balance.

  • There are several Capital One cards that have generous sign-up bonuses. They include Venture, VentureOne, Quicksilver, Premier Dining Rewards, Spark Cash, Spark Cash Select, Spark Miles and Spark Miles Select. Each card has a different sign-up bonus and they can change at any time.

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