Capital One® Venture® Rewards Credit Card

Intro Purchase APR
N/A
Intro Balance Trans. APR
N/A
APR
13.24% - 23.24%
(Variable)
Annual Fee
$0 intro for first year; $59 after that
Card Holder Rating:
Card Features Learn More
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel

  • Earn unlimited 2X miles per dollar on every purchase, every day

  • Fly any airline, stay at any hotel, anytime

  • Travel when you want with no blackout dates

  • Miles don’t expire and there’s no limit to how many you can earn

  • No foreign transaction fees

  • $0 intro annual fee for the first year; $59 after that

Capital One® VentureOne® Rewards Credit Card

Intro Purchase APR
0% intro
12 months
Intro Balance Trans. APR
N/A
APR
12.24% - 22.24%
(Variable)
Annual Fee
$0
Card Holder Rating:
Card Features Learn More
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of approval, equal to $200 in travel

  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee

  • Fly any airline, stay at any hotel, anytime

  • Enjoy a low intro APR on purchases for 12 months; 12.24%-22.24% variable APR after that

  • Travel when you want with no blackout dates

  • No foreign transaction fees

  • Miles don’t expire and there’s no limit to how many you can earn

Capital One® Quicksilver® Cash Rewards Credit Card

Intro Purchase APR
0% intro
9 months
Intro Balance Trans. APR
0% intro
9 months
APR
13.24% - 23.24%
(Variable)
Annual Fee
$0
Card Holder Rating:
Card Features Learn More
  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval

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

  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

  • 0% intro APR on purchases for 9 months; 13.24%-23.24% variable APR after that

  • Balance transfers also have a 0% intro APR for 9 months; 13.24%-23.24% variable APR after that; a 3% fee applies to each balance transferred

  • Pay no annual fee or foreign transaction fees

Capital One® Spark® Cash Select for Business

Intro Purchase APR
0% intro
9 months
Intro Balance Trans. APR
N/A
APR
13.24% - 21.24%
(Variable)
Annual Fee
$0
Card Holder Rating:
Card Features Learn More
  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business

  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months of approval

  • Save on interest with 0% intro APR on purchases for 9 months; 13.24%-21.24% variable APR after that

  • No annual fee

  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing

  • Rewards don’t expire, and you can redeem your cash back for any amount, anytime

  • Get employee cards at no additional cost, and earn rewards from their business spend

Our Expert Review

Capital One is one of the most creative banks around in not only they way they promote their credit card products, but with the innovation they put behind them. An example would be the Capital One Venture Card. This card was rated as the best credit card for earning airline miles by Money Magazine. What makes Capital One unique is their ability to cater to people with all types of credit histories. Many large banks only focus on marketing to people with great credit, but Capital One offers products from excellent to bad credit. Their customer service is rated as Good (which is a really good rating) by GetHuman. Capital One has been working to expand their customer base by doing a lot of direct mail and TV commercials, directing people to apply at application.capitalone.com, www.application.capitalone.com, applications.capitalone.com, and www.applications.capitaone.com. We definitely recommend Capital One to anyone interested in applying for a credit card.


Helpful Tips

1. Credit History – First thing you need to take into consideration is how good your credit is. You don’t want to apply for a card that you probably won’t get approved for, but we have heard that they might suggest other offers that would suit you. Just as a general rule, read what type of credit is needed before you apply.

2. Fees- Some cards may have an annual fee. Just make sure you are aware of the terms. Some cards like the Venture Card that lets you earn 2 miles for every dollar spent charges an annual fee because you are earning miles at a faster rate versus the regular Venture Card which lets you earn 1.25 miles for every dollar spent. That card has no annual fee. In that instance you need to determine if the added annual fee is worth the extra miles.

3. Rewards- If you are looking for a card that rewards you for your spending, think about the types of rewards you would like to earn. Capital One offers two types. Those types are either airline miles or cash back. Both products receive high marks. If you like to travel or you would like a way to cut down on your expenses when you do decide to take a vacation, you may want to consider a card that offers miles. If you don’t really like making travel plans and things like that, cash back is probably your better option. Not all cards offer rewards and depending on your credit history you may not be eligible to apply for a rewards card.

4. Do you Carry a Balance?- If you carry a balance on your credit card, you may be better suited to apply for the Capital One Platinum which offers a long term 0% interest rate on balance transfers and a low on-going APR thereafter. You do need to have a good credit score to take advantage of that offer.