Whether you’re looking for a card with cash back benefits or solid travel perks – you’re bound to find the best suited option for yourself at Capital One as it groups its cards according to benefits. So, what kind of credit cards does Capital One have? Discover the most popular categories and card options in this article.
What Kind of Credit Cards Does Capital One Have?
Capital One has two kinds of credit cards. It categorizes them based on network and features. Unlike some issuers, this bank does not own a network. Nonetheless, you will find at least one card suitable for your financial requirements.
This categorization is necessary so you can get clarification on how to maximize your card. Remember that cards might overlap in categories. You can select according to:
- Credit building
- Cash back
- Travel
- Business
- Students
Card Networks
Card networks allow merchants to receive virtual payments securely and easily. There are four networks card issuers in the US use:
- Visa
- Mastercard
- Discover
- American Express
Capital One offers credit cards that operate on the Visa and Mastercard networks. Each provides distinct features and benefits. That said, both are widely accepted among international sellers.
Visa
Visa is a widely accepted network worldwide, offering several benefits to Capital One cardholders.
- Cards can be used in over 200 countries and territories.
- Zero-liability policy protects against unauthorized charges.
- Visa cards offer contactless payment options, enhancing convenience at checkout.
Mastercard
Mastercard is another significant network, known for its extensive features and benefits.
- Accepted in more than 210 countries and territories.
- Provides fraud detection and zero liability for unauthorized transactions.
- Verifies advanced payment solutions with contactless and mobile payment options.
Credit Building Cards
Capital One offers four cards customers can use to build or rebuild their credit. These cards have features tailored for those with limited or poor credit history.
Significant Features
- Your credit line can increase within six months depending on your spending behavior.
- You can earn rewards on some of these cards.
- Credit-building cards include secured and unsecured options.
Examples
Platinum Secured Card
- Security deposit: $49, $99, or $200 minimum
- Rewards: None
- Annual fee: $0
- APR: 29.99% variable
QuicksilverOne Rewards Card
- Earn rate: 1.5% return on purchases
- Bonus: None
- Annual fee: $39
- APR: 29.99% variable
Travel Cards
The bank offers a range of travel rewards cards designed to suit frequent, in-frequent, and business travelers.
Significant Features
- You can earn miles on every purchase.
- You can redeem miles for travel expenses, such as flights and hotels.
- You can get these cards if you have an excellent credit score.
Examples
Venture Rewards Credit Card
- Earn rate: 2 miles per dollar on every purchase
- Bonus: 75,000 miles after spending $4,000 in the first three months
- Annual fee: Waived for the first year, then $95
- APR: 19.99% – 29.99%
VentureOne Rewards Credit Card
- Earn rate: 1.25 miles per dollar on every purchase
- Bonus: 20,000 miles after spending $500 in the first three months
- Annual fee: None
- APR: 0% for 15 months, then 19.99% – 29.99%
Additional Benefits
- Travel accident insurance
- Auto rental collision damage waiver
Cash Back Cards
You find a variety of cash back credit cards tailored to different needs and spending habits. These cards reward users for everyday purchases and on specific categories.
Significant Features
- You can earn between 1% – 10% cash back on purchases.
- There are no expiration dates on rewards.
Examples
Capital One Quicksilver Cash Rewards
- Earn rate: Unlimited 1.5% cash back on every purchase
- Bonus: $200 bonus after spending $500 in the first 3 months
- Annual fee: $0
- APR: 0% intro APR on purchases for 15 months; 19.99% – 29.99% variable after
Capital One SavorOne Cash Rewards
- Earn rate: 3% cashback on dining, entertainment, popular streaming services, and at grocery stores; 1% on all other purchases
- Bonus: $200 bonus after spending $500 in the first 3 months
- Annual fee: $0
- APR: 0% intro APR on purchases for 15 months; 19.99% – 29.99% variable after
Business Credit Cards
Capital One’s business cards simplify business expenses. The various business-centric perks of these cards make it easier for owners to select a suitable option according to their needs. Getting your own accountant to manage your finances, year-end summaries, and free employee cards are some of the benefits you get with these cards.
Significant Features
- Some cards provide cash-back or miles on specific business expenses.
- These cards often come with higher credit limits compared to personal cards.
Examples
Spark 2% Cash Plus for Business
- Earn rate: Unlimited 2% cash back on purchases
- Bonus: $1,200 cash on spending $30,000 in the first three months
- Annual fee: $150, refunded if you spend $150,000 per year
- APR: It is a pay-in-full card
Spark 2X Miles for Business
- Earn rate: Earn 2x miles on every purchase
- Bonus: 50,000 miles bonus if you spend $4,500 in the first three months
- Annual fee: $0 for the first year, then $95
- APR: 26.24% on purchases and transfers
Student Credit Cards
You get student-specific cards designed to help young adults build credit responsibly. They come with several benefits that cater to students attending higher educational institutions.
Significant Features
- Credit limit increases based on responsible usage and regular payments.
- You get virtual card numbers for online shopping to protect the original card number.
Examples
SavorOne Student Rewards
- Earn rate: 3% cash return on dining, grocery, entertainment, and streaming services
- Bonus: $50 on spending $100 in the first three months
- Annual fee: $0
- APR: 19.99% – 29.99% on purchases and transfers
Quicksilver Student Rewards
- Earn rate: 1.5% flat-rate cash back on every purchase
- Bonus: $50 on spending $100 in the first three months
- Annual Fee: $0
- APR: 19.99% – 29.99% on purchases and transfers
Related Questions
What Type of Visa is Capital One?
Capital One issues several types of Visa cards, like the Capital One Venture Rewards card and the Capital One SavorOne Cash Rewards card. These cards are often preferred for travel and cash back rewards, respectively.
Are Capital One Cards Accepted Everywhere?
Yes, Capital One cards are widely accepted due to their networks. It signifies that you can rely on your Capital One cards domestically and internationally.
What are the Four Major Credit Cards?
The four major credit cards are Visa, Mastercard, American Express, and Discover. Capital One primarily uses Visa and Mastercard networks.
Conclusion
Capital One categorizes and offers cards based on popular customer needs. You can choose a travel card if you fly frequently, or a rewarding student card if you just enrolled in a higher educational institution. Besides that, this bank’s cards are linked to Visa and Mastercard networks, which are accepted around the world.