Capital One — 15 cards

Platinum

from Capital One
Capital One
Platinum
No annual feeVisa

WELCOME OFFER

No welcome bonus — this is a no-rewards credit-building cardas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
none (no rewards)

EARNING RATES

  • N/A
  • Automatic credit line reviews for responsible use
  • Free CreditWise credit monitoring
  • Pre-qualification with no impact to credit score

Quicksilver Rewards

from Capital One
Capital One
Quicksilver Rewards
No annual feeDiscover

WELCOME OFFER

$200 cash bonus after spending $500 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels, vacation rentals & rental cars booked via Capital One Travel
  • •1.5% cash back — all other purchases
  • Cash back does not expire

QuicksilverOne Rewards

from Capital One
Capital One
QuicksilverOne Rewards
$39/yrDiscover

WELCOME OFFER

No welcome bonus currently advertised (as of 2026-07-10)as of 2026-07-10
ANNUAL FEE
$39
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels, vacation rentals & rental cars booked via Capital One Travel
  • •1.5% cash back — all other purchases

The Quicksilver version for people with Fair/average credit: a $39 annual fee that can't be waived, no welcome offer, and the same earning rate as the no-annual-fee Quicksilver. Its main purpose is building/repairing credit — once your score is high enough, product change to the no-annual-fee Quicksilver as soon as possible. New accounts are issued on the Discover network (previously Mastercard) as of February 1, 2026.

Savor Rewards

from Capital One
Capital One
Savor Rewards
No annual feeDiscover

WELCOME OFFER

$250 cash bonus after spending $500 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels, vacation rentals & rental cars booked via Capital One Travel
  • •3% cash back — dining
  • •3% cash back — grocery stores (excludes superstores like Walmart/Target)
  • •3% cash back — entertainment
  • •3% cash back — popular streaming services
  • •1% cash back — all other purchases
  • Cash back does not expire for the life of the account
  • Cash back can be converted to Capital One miles if you also hold a miles-earning C1 card

SavorOne Rewards

from Capital One
Capital One
SavorOne Rewards
$39/yrDiscover

WELCOME OFFER

No welcome bonus currently advertised (as of 2026-07-10)as of 2026-07-10
ANNUAL FEE
$39
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •8% cash back — Capital One Entertainment purchases
  • •5% cash back — hotels, vacation rentals & rental cars booked via Capital One Travel
  • •3% cash back — dining
  • •3% cash back — grocery stores (excludes superstores like Walmart/Target)
  • •3% cash back — entertainment
  • •3% cash back — popular streaming services
  • •1% cash back — all other purchases
  • Cash back does not expire

Spark Cash

from Capital One
Capital OneBusiness
Spark Cash
$95/yrVisa

WELCOME OFFER

$1,000 cash bonus after spending $10,000 on purchases within the first 3 months from account opening ($0 intro annual fee first year, then $95)as of 2026-07-10
ANNUAL FEE
$95
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels & rental cars booked via Capital One Business Travel
  • •2% cash back — all other purchases
  • Free employee & virtual cards
  • $0 fraud liability

Spark Cash Plus

from Capital One
Capital OneBusiness
Spark Cash Plus
$150/yrVisa

WELCOME OFFER

Up to $4,000+ cash bonus: $2,000 after spending $30,000 in the first 3 months, plus an additional $2,000 for every $500,000 spent in the first yearas of 2026-07-10
ANNUAL FEE
$150
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels & rental cars booked via Capital One Business Travel
  • •2% cash back — all other purchases
  • $150 annual fee refunded if you spend $150,000+ by your membership anniversary
  • No preset spending limit (charge-card style, balance due monthly)
  • Free employee & virtual cards

Spark Cash Select

from Capital One
Capital OneBusiness
Spark Cash Select
No annual feeVisa

WELCOME OFFER

$750 cash bonus after spending $6,000 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels & rental cars booked via Capital One Business Travel
  • •1.5% cash back — all other purchases
  • Free employee & virtual cards

Spark Classic

from Capital One
Capital OneBusiness
Spark Classic
No annual feeVisa

WELCOME OFFER

No welcome bonus — entry-level business credit-building cardas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
cash back

EARNING RATES

  • •5% cash back — hotels & rental cars booked via Capital One Business Travel
  • •1% cash back — all other purchases
  • Free employee & virtual cards
  • $0 fraud liability

Venture Business

from Capital One
Capital OneBusiness
Venture Business
$95/yrVisa

WELCOME OFFER

100,000 bonus miles after spending $10,000 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$95
FOREIGN TX FEE
None
REWARDS
Capital One miles

EARNING RATES

  • •5X miles — hotels, vacation rentals & rental cars booked via Capital One Business Travel
  • •2X miles — all other purchases
  • $50 annual statement credit for Capital One Business Travel bookings
  • $50 annual statement credit for advertising/software purchases
  • 10,000 bonus miles every account anniversary (no spend required)
  • Up to $120 credit for Global Entry or TSA PreCheck (every 4 years)
  • $50 experience credit at Lifestyle Collection hotels/vacation rentals

Venture Rewards

from Capital One
Capital One
Venture Rewards
$95/yrDiscover

WELCOME OFFER

75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$95
FOREIGN TX FEE
None
REWARDS
Capital One miles

EARNING RATES

  • •5X miles — hotels, vacation rentals & rental cars booked via Capital One Travel
  • •5X miles — Capital One Entertainment purchases
  • •2X miles — all other purchases
  • Up to $120 credit for Global Entry or TSA PreCheck
  • $50 experience credit per stay at Lifestyle Collection hotels/vacation rentals

Venture X Business

from Capital One
Capital OneBusiness
Venture X Business
$395/yrVisa

WELCOME OFFER

150,000 bonus miles after spending $30,000 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$395
FOREIGN TX FEE
None
REWARDS
Capital One miles

EARNING RATES

  • •10X miles — hotels & rental cars booked via Capital One Business Travel
  • •5X miles — flights & vacation rentals booked via Capital One Business Travel
  • •2X miles — all other purchases
  • $300 annual statement credit for Capital One Business Travel bookings
  • 10,000 bonus miles every account anniversary (no spend required)
  • Up to $120 credit for Global Entry or TSA PreCheck (every 4 years)
  • $100 experience credit per stay at Premier Collection hotels/vacation rentals

Venture X Rewards

from Capital One
Capital One
Venture X Rewards
$395/yrVisa

WELCOME OFFER

75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$395
FOREIGN TX FEE
None
REWARDS
Capital One miles

EARNING RATES

  • •10X miles — hotels & rental cars booked via Capital One Travel
  • •5X miles — flights booked via Capital One Travel
  • •5X miles — Capital One Entertainment purchases
  • •2X miles — all other purchases
  • $300 annual statement credit for Capital One Travel bookings
  • 10,000 bonus miles every account anniversary (no spend required)
  • Up to $120 credit for Global Entry or TSA PreCheck (every 4 years)
  • Up to $100 experience credit per stay at Premier Collection hotels/vacation rentals; up to $50 at Lifestyle Collection
  • Cell phone protection up to $800/claim (2 claims/year, $50 deductible)

VentureOne Business

from Capital One
Capital OneBusiness
VentureOne Business
No annual feeVisa

WELCOME OFFER

50,000 bonus miles after spending $4,500 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
Capital One miles

EARNING RATES

  • •5X miles — hotels, vacation rentals & rental cars booked via Capital One Business Travel
  • •1.5X miles — all other purchases
  • Hertz Five Star status
  • Free employee cards with customizable spend limits

VentureOne Rewards

from Capital One
Capital One
VentureOne Rewards
No annual feeDiscover

WELCOME OFFER

20,000 bonus miles after spending $500 on purchases within the first 3 months from account openingas of 2026-07-10
ANNUAL FEE
$0
FOREIGN TX FEE
None
REWARDS
Capital One miles

EARNING RATES

  • •5X miles — hotels, vacation rentals & rental cars booked via Capital One Travel
  • •1.25X miles — all other purchases
  • No annual fee lifetime downgrade target for Venture/Venture X