Review: Capital One Credit Cards

Under we provide a rundown of bank cards at present obtainable from Capital One, with quick critiques of every. Click on by on any hyperlink to use through the cardboard’s on-line software:

cap-one-quicksilver-smallCapital One Quicksilver Cash Rewards Card – Money again bank card gives a 1.5% rebate on all purchases you make with the cardboard, which is pretty beneficiant and really straightforward to know.

cap1-venture1-smallCapital One VentureOne Rewards Visa – That is Capital One’s no-annual-fee journey rewards bank card, providing you a straight 1.25 “miles” per greenback on all card purchases, plus 20,000 bonus miles when you spend at the very least $1000 with the cardboard within the first Three months. Your miles can be utilized throughout airways and different journey purchases akin to resort rooms. These “miles” are primarily factors price one penny every and can be utilized to offset or utterly pay on your journey buy. In different phrases, when you’ve got 20,000 “miles,” you primarily have $200 towards any journey purchases you make. You don’t essentially get a free flight for reaching any specific level complete, you merely use the factors as cash towards the acquisition value.

cap-one-venture-smallCapital One Venture Rewards Visa – This Capital One journey bank card gives a extra beneficiant rewards program than the VentureOne Visa listed above, however it additionally comes with a $59 annual payment (however $zero for the primary 12 months). You get 2 “miles” for each greenback spent with the cardboard, and you utilize these miles to offset or utterly pay for journey bills. Once more, every mile is basically price a penny. Based on our calculations, it solely turns into price it to pay the annual payment when you spend over $7800 per 12 months with the cardboard; when you spend much less, the VentureOne card is the higher deal rewards-wise.

Premier Dining Rewards from Capital One – A great bank card when you dine out usually — you get 3% money again on restaurant purchases, 2% money again on groceries, and 1% money again on all the pieces else you buy with the cardboard. You may as well earn an additional $100 bonus when you make at the very least $500 price of purchases within the first Three months of getting this card.

cap-one-plat-100Capital One Platinum Card – Calling this card “platinum” is what is called a euphemism. In actuality, Capital One’s customary platinum card is admittedly the cardboard they provide to low credit clients who barely qualify to truly be clients. It gives a whopping 24.99% rate of interest however no annual payment. Get this provided that you’ll be able to’t qualify for something higher.

Capital One Secured Credit Card – The Capital One Secured MasterCard, for these with low credit or no credit score historical past, requires you to make a safety deposit, and your credit score line is, most often, the identical as the quantity you’ve deposited. You continue to pay a invoice each month like another bank card. The one distinction is it’s a must to put a deposit down — when you cease paying your payments, Capital One then has the deposit to receives a commission from. No annual charges however a excessive 24.99% rate of interest on unpaid balances, so make sure you pay your invoice in full every month. (For extra on what a secured card is, see our Secured Credit Cards page.)

Capital One Journey Student Rewards Credit Card – Pupil bank card gives 1% money again on all purchases, plus a 25% bonus whenever you pay your invoice on time — in different phrases, when you all the time pay your invoice on time, you’ll get 1.25% money again. The 24.99% rate of interest is excessive, even for a pupil bank card. (Pupil bank cards often have larger rates of interest than customary bank cards.)

Spark Cash Select For Business – Good small enterprise bank card gives a 1.5% money again rebate on all purchases and there’s no annual payment. You may earn a one-time $200 bonus when you spend at the very least $3000 with the cardboard within the first Three months of getting it.

Spark Cash For Business – Presents 2% money again on all card purchases, however observe that you just’ll pay a $59 annual payment after the primary 12 months of getting the cardboard. (The annual payment is waived for the primary 12 months.)

Spark Miles For Business – Mainly the identical as the cardboard above, besides you’ll be able to solely use your rebate towards journey purchases. You get 2 factors per greenback charged to the cardboard, with every level price primarily one cent. You may then convert these factors into {dollars} to offset or totally pay on your journey purchases. Has the identical $59 annual payment as the cardboard above. We’d select the Spark Money bank card over this one as a result of that card provides you extra flexibility in utilizing your rewards.

Spark Business Credit Card – Capital One card geared toward small companies gives 1% money again and a excessive 23.99% rate of interest. If the perks don’t look pretty much as good because the Capital One enterprise bank card above, that’s as a result of this card is geared toward enterprise clients with “common” credit score versus “wonderful” credit score. So, when you’ve had some unhealthy luck (or low credit) up to now, this may very well be for you.