Capital One Credit Cards

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Updated on Wednesday, December 27, 2017

Capital One offers a total of 13 credit cards with 8 cards for consumer use and 5 for business use. There are cards to suit all types of people from cards that earn cash back or miles, to cards for students and people building credit, to cards with 0% intro periods that can help you pay off debt without accumulating interest. If you lack excellent credit, Capital One has several cards for people who have average credit or are beginning their credit journey.

A great feature that Capital One has is prequalification. This allows you to check if you may qualify for one of their credit cards by performing a soft pull on your credit. And don’t worry, this does not affect your credit score. Keep in mind prequalification is not a credit application, and does not guarantee approval. Check to see if you prequalify for any Capital One cards here.

In this roundup, we are going to discuss each card that Capital One provides (not including co-branded cards) as well as features all Capital One cards have.

Cash Back Cards

What we like

  • $0 Annual Fee: You don’t need to pay a fee to have this card.
  • Straightforward cash back program: There are no changing categories to activate or keep track of with this card. You simply earn unlimited 1.5% Cash Back on every purchase, every day.
  • Competitive new cardmember offer: Earn a One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
  • No redemption minimum: You can redeem cash back at anytime, which gives this card a leg up to competing cards who require you to reach a certain cash back amount before redeeming.
  • Visa Signature® benefits: This card provides numerous benefits through Visa Signature® including complimentary concierge service, shopping discounts, travel upgrades and more.

What we don’t like

  • Below average cash back rate: This card has a lower cash back rate than other cards on the market. We consider 2% cash back ideal and have an all inclusive list of the best cash back cards for every category that can earn you up to 6% cash back on select categories.

Who should consider this card

The Capital One® Quicksilver® Cash Rewards Credit Card can be a good choice for people with Excellent/Good credit that want a decent flat-rate cash back card without rewards. Although the cash back rate isn’t the highest in the market, you receive other benefits that can make this card worthwhile such as Visa Signature® benefits.

Rewards breakdown

With the Capital One® Quicksilver® Cash Rewards Credit Card, you earn unlimited 1.5% Cash Back on every purchase, every day. Cash back can be redeemed in a variety of ways: statement credit, check, gift cards, and more. A convenient way to redeem cash back as a statement credit is using the automatic redemption feature. Doing so allows you to redeem cash back either at a set time each year, or when a specific threshold is hit ($25, $50, $100 or $200). Note that redemption for gift cards and certain other options may vary and are subject to change at any time.

In addition to a cash back program, there is a new cardmember offer where you can earn a One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Other rates & fees

  • Intro Purchase APR: 0% intro on purchases for 15 months; 15.49% - 25.49% (Variable) APR, after that.
  • Intro Balance Transfer APR: N/A; 15.49% - 25.49% (Variable) APR, after that.
  • Balance Transfer Fee: $0

While the 0% intro on purchases for 15 months and N/A (after, 15.49% - 25.49% (Variable) APR), is not as long as other cards in the market that can have intro periods as long as 24 months, this is one of few intro periods that Capital One offers. So, if you’re looking to transfer a balance or pay off a large purchase like a TV or mattress, the Capital One® Quicksilver® Cash Rewards Credit Card can provide you the time to rid yourself of debt without being charged interest.

Transferring a balance does come with a $0 fee. For example, if you transfer $1,000 you will incur a $30 fee — but this could easily be outweighed by the interest you save during the 0% intro period. After the 0% intro on purchases for 15 months ends, a 15.49% - 25.49% (Variable) APR applies. This is in line with other Capital One credit cards and other cards in the market.

What we like about this card

  • Accepts people with average credit: You can qualify for this card if you have average credit. So if you have defaulted on a loan in the past 5 years or have limited credit history, there’s a chance you may qualify.
  • Simple cash back program: No need to worry about rotating bonus categories or activation, this card earns unlimited 1.5% Cash Back on every purchase, every day. And, cash back can be redeemed at anytime, for any amount.
  • Platinum Mastercard® benefits: You can take advantage of numerous Platinum Mastercard® benefits including travel accident insurance, 24/7 travel and roadside assistances, and more.

What we don’t like about this card

  • $39 Annual fee: Although this is one of the lowest annual fees on the market, it is still a fee. You will need to spend $2,600 to earn enough cash back to pay for the fee each year.
  • Sub par cash back rate: You earn a lower cash back rate than competing cards in the market. We consider at least 2% cash back ideal and have a list of the best cash back cards for every category that can earn you up to 6% cash back on select categories.

Who should consider this card

The Capital One® QuicksilverOne® Cash Rewards Credit Card is a good option for people with Fair/Limited credit who want to earn cash back and don’t mind a $39 annual fee. You may have a better chance qualifying for this card than other Capital One cards that require excellent/good credit.

Rewards breakdown

With the Capital One® QuicksilverOne® Cash Rewards Credit Card, you can earn unlimited 1.5% Cash Back on every purchase, every day. You have the flexibility to redeem cash back as a statement credit, check, gift card, and more. Redemption for gift cards and select other options may vary and are subject to change at any time.

There is an automatic redemption option for redeeming cash back as a statement credit, where you can either have it redeem at a set time each year, or when a you hit a specific amount ($25, $50, $100 or $200).

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee:None

This card is very basic and doesn’t have any intro periods. If you want to save interest during an intro period, look to other cards on this list such as the Capital One® Quicksilver® Cash Rewards Credit Card, but keep in mind that card requires excellent credit.

Dining Cash Back Cards

Capital One® Savor® Cash Rewards Credit Card

What we like about this card

  • Annual fee: $0 intro for first year; $95 after that
  • High cash back on dining: You can earn unlimited 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. This rate for dining is great and can allow you to maximize cash back.
  • New cardmember offer: Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.
  • Redeem cash back for any amount: You have the freedom to redeem your cash back at anytime and for any amount.
  • World Elite Mastercard® benefits: Access helpful benefits and services such as complimentary concierge service, baggage delay and trip insurances, and more.

What we like about this card

  • Low cash back rate on everyday purchases: You won’t earn a good rate on typical everyday transactions like gas or department store shopping.
  • Excellent credit required: This card requires that you have an excellent credit standing, so you may not qualify if you have been late on payments recently or for various other factors.

Who should consider this card

The Capital One® Savor® Cash Rewards Credit Card is great for foodies who are constantly dining out, since you benefit from the higher cash back rate on those purchases. You’ll pay a $0 intro for first year; $95 after that.

Rewards breakdown

The Capital One® Savor® Cash Rewards Credit Card allows you to earn unlimited 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. This is a competitive rate on dining purchases. Cash back can be redeemed in multiple ways: as a statement credit, check, gift card, and more. Note: redemptions for gift cards and select other options may vary and are subject to change at any time.

Capital One makes it simple to redeem cash back. You can set up automatic redemption at a set time each year or at a specific threshold ($25, $50, $100 or $200). This card has a competitive new cardmember bonus: Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

Other rates & fees

  • Balance Transfer Fee: $0

If you plan on transferring a balance, there is a $0 fee. For example, transferring a balance of $2,000 will incur a $60 fee. This fee is often minuscule compared to the amount you save on interest during the intro period. You can use the intro period as a way to pay for new purchases like a laptop over time. Once the intro period ends, a 15.99% - 24.99% (Variable) APR applies.

Travel Cards

What we like about this card

  • High rewards rate: This card has one of the highest flat-rate rewards for a travel card where you earn unlimited 2 Miles per dollar on every purchase, every day. This is a great way for you to maximize cash back.
  • New cardmember offer: Earn a Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months.
  • Visa Signature® benefits: You can access special benefits such as shopping discounts, travel upgrades and savings, and more.

What we don’t like about this card

  • Annual fee: This card comes with an annual fee of $95. Although not as high as competitor’s annual fees, it is still a fee.
  • Excellent/Good credit required: Unfortunately you have a lower chance of qualifying for this card with anything but Excellent/Good credit as Capital One states on their website excellent credit is required.

Who should consider this card

People who spend over $8,000 a year will benefit from the Capital One® Venture® Rewards Credit Card’s high rewards rate. By spending this amount, you will see increased benefit over the $0 annual fee Capital One® VentureOne® Rewards Credit Card.

Rewards breakdown

The Capital One® Venture® Rewards Credit Card earns unlimited 2 Miles per dollar on every purchase, every day. This is a great flat-rate for all spending. Miles can be redeemed in several ways: as a statement credit towards the cost of travel expenses via Purchase Eraser®, to book new travel on the Rewards Center, or for a check, account credit, gift card and more. Travel purchases eligible for Purchase Eraser® include: airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. You must make your redemptions within 90 days from the date your travel purchase posts to your account.

You can benefit from the new cardmember offer: earn a Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

There are no intro periods for this card, not making it ideal for people looking to transfer a balance or make a large purchase. If you want to utilize a 0% intro period, check out the Capital One® VentureOne® Rewards Credit Card with 0% intro on purchases for 12 months (15.49% - 25.49% (Variable), thereafter).

What we like about this card

  • $0 Annual fee: There is a $0 fee for this card to set you back from earning miles.
  • New cardmember offer: Earn a One-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel.
  • Visa Signature® benefits: You can access special benefits such as complimentary concierge service, travel upgrades and savings, and more.

What we don’t like about this card

Who should consider this card

If you’re someone who typically spends less than $8,000 a year, the Capital One® VentureOne® Rewards Credit Card is a good choice. At this yearly spending amount, you will be better off with this $0 annual fee travel rewards card from Capital One than the Capital One® Venture® Rewards Credit Card with a $95.

Rewards breakdown

With the Capital One® VentureOne® Rewards Credit Card, you can earn unlimited 1.25 Miles per dollar on every purchase, every day and pay a $0 annual fee. You can redeem miles in a variety of ways from a statement credit towards the cost of travel expenses via Purchase Eraser®, to book new travel on the Rewards Center, for a check, account credit, gift card and more. Capital One classifies travel purchases eligible for Purchase Eraser® as: airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. Redemptions must be made within 90 days from the date your travel purchase posts to your account.

New cardmembers can take advantage of this offer: earn a One-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel.

Other rates & fees

  • Intro Purchase APR: 0% intro on purchases for 12 months; 15.49% - 25.49% (Variable) APR after that
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: $0

This card offers a long intro period of 0% intro on purchases for 12 months. This provides you a year to pay off new purchases such as a flat-screen TV without accruing interest and can be a great way to avoid falling into debt. Make sure you don’t carry a balance once the intro period is over, so you avoid the regular purchase APR of 15.49% - 25.49% (Variable). There is no balance transfer intro period for this card.

Student Cards

What we like about this card

  • $0 Annual fee: Students don’t need to fork over any money to have this card in their wallets.
  • Good incentive to pay on time: Students will earn a 25% bonus on cash back on purchases when they pay on time. This is a great way to encourage good credit behavior.
  • Visa® Platinum benefits: Access numerous benefits like 24-hour travel assistant services, travel accident insurance and more.
  • Provides the chance to establish credit: This card provides the foundation for students to begin their credit journey. With proper management, students can be on their way to a healthy credit report.

What we don’t like about this card

  • Low cash back rate: Yes, this card has a low cash back rate compared to other cards — but the goal of this card isn’t to earn rewards. It’s to build credit, so this shouldn’t be a major factor in your decision.

Who should consider this card

Students looking to establish credit can benefit from the incentives of the Journey® Student Rewards from Capital One®. This card encourages students to pay on time, allowing them to get in good credit habits.

Rewards breakdown

This card offers a unique rewards program, targeted towards teaching students proper credit behavior. You can earn 1% Cash Back on all purchases; 0.25% Cash Back bonus on the cash back you earn each month you pay on time. Pay on time to boost your cash back to a total of 1.25% for that month. Cash back can be redeemed as a statement credit or check. Statement credits can automatically be redeemed at a specific time or threshold ($25, $50, $100 or $200). Other redemption options include gift cards and more. Note that redemption values for these options may vary and are subject to change without notice.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

This card is predominately for students looking to build credit, and as a result doesn’t offer any intro periods.

Cards for Building Credit

What we like about this card

  • $0 Annual fee: You can build credit without paying for this card.
  • Average credit required: People who have defaulted on a loan in the past 5 years or have limited credit history have favorable odds to qualify for this card.
  • Access a higher credit line: If you make your first 5 monthly payments on time, you may receive a higher credit line with Credit Steps.
  • Platinum Mastercard® benefits: Receive various benefits like auto rental insurance, 24-hour roadside assistance, travel accident insurance and more.

What we don’t like about this card

  • No rewards program: This card lacks a rewards program, but this isn’t a major downfall since your goal is to build a good credit history. The prospect of rewards could tempt you into debt, so no rewards isn’t the worst thing.

Who should consider this card

The Capital One® Platinum Credit Card is a good option for people looking to build credit. There are no rewards to tempt you into overspending, and the Credit Steps program provides a great way for you to access a higher credit line.

Rewards breakdown

There are no rewards for this card — it’s main purpose is to build credit.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

This card has no intro periods and is mainly designed for people looking to rebuild their credit. You may need to improve your credit score before you can qualify for a card that has a 0% intro period.

What we like about this card

  • $0 Annual fee: You can build credit with this card without paying an annual fee.
  • Potentially low minimum deposit: The security deposit is either $49, $99 or $200 refundable deposit.
  • $200 line of credit: Even if your minimum deposit is $49 or $99, you will receive a $200 credit line.
  • Access a higher credit line: After making your first 5 monthly payments on time, you may get access to a higher credit line with Credit Steps — all with no additional deposit needed.
  • Automatic account reviews: Capital One will automatically review your account to see if you can be switched to an unsecured card. They look at various credit activities at undisclosed times to see your eligibility.

What we don’t like about this card

  • No timeline for transition to an unsecured card: Capital One doesn’t clarify when they will perform the automatic reviews of your account, so you don’t know when you may receive notification of your upgrade to an unsecured card.

Who should consider this card

The Capital One® Secured Mastercard® is a good option for people who are new to credit or looking to rebuild their credit. Capital One provides you the opportunity to earn a higher credit limit and possibly be transitioned to an unsecured card.

Rewards breakdown

There are no rewards for this card. Most secured cards don’t provide rewards anyways.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

Similar to most secured cards, there are no 0% intro periods for this card. The goal for this card is to establish good credit history so you can later qualify for unsecured cards.

Business Cards

Capital One® Spark® Classic for Business

What we don’t like about this card

  • $0 Annual fee: You’re business doesn’t have to pay to use this card.
  • Free employee cards: Getting cards for your employees doesn’t cost you anything.
  • Visa® Business benefits: There are many benefits available including shopping discounts, roadside dispatch, travel accident insurance and more.
  • Spark BusinessSM cardholder benefits: Access numerous benefits including additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark BusinessSM customer service representatives, and more.
  • Visa® SavingsEdge: When you shop with your enrolled Visa business card at participating merchants you can save up to 15%. Visit
    www.visasavingsedge.com for details.
  • Average credit required: Businesses that don’t have the best credit may qualify for this card more than others that require excellent credit.

What we don’t like about this card

Who should consider this card

The Capital One® Spark® Classic for Business is a good option for businesses with Fair/Limited credit that want to simplify business purchases and earn cash back. You don’t earn the highest cash back rate, but the additional Visa® Business benefits and Spark BusinessSM cardholder benefits add value to this card.

Rewards breakdown

The Capital One® Spark® Classic for Business has a basic cash back program where you earn unlimited 1% Cash Back on every purchase for your business, with no minimum to redeem. You can redeem cash back as a statement credit, check, gift cards and more. A simple way to redeem for a statement credit is by setting up automatic redemptions. You can either set redemptions at a specific time or threshold ($25, $50, $100 or $200). Redemption values other than statement credit and check may vary and are subject to change without notice.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

There is no intro period for this card so if your business wants to utilize a 0% intro period for purchases, look to the Capital One® Spark® Cash Select for Business or the Capital One® Spark® Miles Select for Business.

Capital One® Spark® Cash for Business

What we don’t like about this card

  • Free employee cards: You can take out needed employee cards at no additional cost.
  • New Cardmember Cash Bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.
  • Visa® Business benefits: There are numerous benefits this card provides your business from travel and emergency assistance services to roadside dispatch, and more.
  • Spark BusinessSM cardholder benefits: Capital One offers other Spark BusinessSM cardholder benefits including additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark BusinessSM customer service representatives, and more.
  • Visa® SavingsEdge: You can save up to 15% at participating merchant when you use your card. Visit www.visasavingsedge.com for details.

What we don’t like about this card

  • Annual fee: There is a $0 intro for first year; $95 after that, for this card, and although it isn’t the highest among all business cards, but you can find cards without annual fees.

Who should consider this card

Businesses that want to earn the most cash back possible should look to the Capital One® Spark® Cash for Business. This card earns a fantastic cash back rate on all purchases that can allow your business to maximize earnings, and provides helpful Visa® Business and Spark BusinessSM cardholder benefits.

Rewards breakdown

The Capital One® Spark® Cash for Business earns unlimited 2% Cash Back for your business on every purchase, everywhere. This is a rare flat-rate for business cards. Cash back can be redeemed in several ways: statement credit, check, gift cards and more. You can redeem for a statement credit automatically at either a specific time or threshold ($25, $50, $100 or $200). The other redemption options vary in value and are subject to change without notice.

New Cardmember Cash Bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None
  • Foreign Transaction Fee: None

Since this card has no intro period, if you want to make a large purchase and pay it off over several months, check out the Capital One® Spark® Cash Select for Business, which is also a cash back card and offers 0% on purchases for 9 months (13.99% - 23.99% (Variable) APR after the intro period ends).

Capital One® Spark® Cash Select for Business

What we like about this card

  • $0 Annual fee: There is no fee for this card, allowing your business to save money.
  • Free employee cards: Taking out employee cards comes at no extra cost.
  • New Cardmember Cash Bonus: Earn a One-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
  • Visa® Business benefits: You can benefit from auto rental collision damage waiver, entertainment discounts, travel and emergency assistance services and more.
  • Spark BusinessSM cardholder benefits: You can take advantage of various benefits such as additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark BusinessSM customer service representatives, and more.
  • Visa® SavingsEdge: Save up to 15% when you use your card to shop at participating merchants. Visit www.visasavingsedge.com for details.

What we don’t like about this card

Who should consider this card

The Capital One® Spark® Cash Select for Business can earn your business a decent amount of cash back, all with a $0 annual fee. This is great for businesses looking to be rewarded for purchases but don’t want to pay for a card. Your business can take advantage of the numerous Visa® Business and Spark BusinessSM cardholder benefits.

Rewards breakdown

The Capital One® Spark® Cash Select for Business earns unlimited 1.5% Cash Back on every purchase. There is flexibility in how you redeem your cash back. You can redeem for statement credit, check, gift cards and more. Statement credit redemptions can be automated at a specific time or threshold ($25, $50, $100 or $200). Redemptions other than statement credit and check vary in value and are subject to change without notice.

In addition to a cash back program, there is a new cardmember bonus: earn a One-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Other rates & fees

  • Intro Purchase APR: 0% on purchases for 9 months;13.99% - 23.99% (Variable) APR after that
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

There is a decent intro period of 0% on purchases for 9 monthsthan can provide you with the time to pay off any new purchases your business may make such as company phones or laptops. After the intro period is over, an interest rate of 13.99% - 23.99% (Variable) applies. Note that there is no intro balance transfer offer.

Capital One® Spark® Miles for Business

What we like about this card

  • Free employee cards: Take out any needed cards for your employees since they come at no additional cost.
  • New Cardmember Bonus Miles: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
  • Visa® Business benefits: This card has many benefits as a Visa® Business card ranging from travel and emergency assistance services to lost luggage reimbursement, and more.
  • Spark BusinessSM cardholder benefits: Utilize various benefits such as additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark BusinessSM customer service representatives, and more.
  • Visa® SavingsEdge: Shopping with your card at participating merchants you can save up to 15%. Visit www.visasavingsedge.com for details.

What we don’t like about this card

  • Miles can’t be transferred: Miles earned with this card cannot be transferred to frequent travel programs.

Who should consider this card

If your business travels frequently and wants to earn miles, the Capital One® Spark® Miles for Business can earn you a great rate. The annual fee is something to consider, but can be worth it. Visa® Business and Spark BusinessSM cardholder benefits provide extra value to this card.

Rewards breakdown

Capital One® Spark® Miles for Business earns unlimited 2 Miles per $1 on every purchase, everywhere. This is a competitive rewards rate for business travel cards.

You can redeem miles for past travel purchases using Purchase Eraser® via an account credit. You must make redemptions within 90 days from the date your travel purchase posts to your account. Typically you receive your credit within two to three business days after the redemption.

Another way to redeem for travel is to book new travel reservations at capitalone.com or by contacting the Rewards Center. You can redeem for flights, car rentals or hotel stays by paying with your miles. Take note that the number of miles needed for travel redemption varies based on cost. To calculate out how much a trip will cost in miles, multiply the cost of your travel purchase by 100. For example, if your travel purchase costs $600, you’d multiply that by 100 and therefore determine you need 60,000 miles to redeem.

Eligible travel purchases for Purchase Eraser® include airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. Other redemption options include check or account credit, gift cards and more. Rates for these other redemption options vary and are subject to change without notice.

New Cardmember Bonus Miles: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

Other rates & fees

  • Intro Purchase APR: None
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

This card doesn’t provide any intro periods, therefore if your business wants to utilize a 0% intro period for purchases, look to the Capital One® Spark® Miles Select for Business which is a comparable travel rewards card.

Capital One® Spark® Miles Select for Business

What we like about this card

  • Free employee cards: You can take out needed employee cards at no additional cost.
  • New Cardmember Bonus Miles: Earn a One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.
  • Visa® Business benefits: There are numerous benefits ranging from roadside dispatch to lost luggage reimbursement to travel accident insurance and more.
  • Spark BusinessSM cardholder benefits: Capital One provides benefits to help your business including additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark BusinessSM customer service representatives, and more.
  • Visa® SavingsEdge: Use your card to shop at participating merchants and save up to 15%. Visit www.visasavingsedge.com for details.

What we don’t like about this card

  • Miles can’t be transferred: The miles you earn with this card aren’t eligible to be transferred to frequent travel programs.

Who should consider this card

The Capital One® Spark® Miles Select for Business is a good card for businesses that want to earn miles and have a $0 annual fee. Businesses looking for additional benefits can see value in the various Visa® Business and Spark BusinessSM cardholder benefits.

Rewards breakdown

The Capital One® Spark® Miles Select for Businessearns 1.5 Miles per $1 on every purchase.

Miles can be redeemed for past travel purchases using Purchase Eraser® for an account credit. Redemptions must be completed within 90 days from the date your travel purchase posts to your account. Generally, you receive your credit within two to three business days after the redemption.

You can also book new travel reservations with miles at capitalone.com or by contacting the Rewards Center. Travel reservations include flights, car rentals and hotel stays. The number of miles needed for travel redemption varies based on cost. To calculate out how much a trip will cost in miles, multiply the cost of your travel purchase by 100. For example, if your travel purchase costs $500, you’d multiply that by 100 and therefore determine you need 50,000 miles to redeem.

Travel purchases that can be used for Purchase Eraser® include airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and timeshares. Additional redemption options include check or account credit, gift cards and more. Rates for these other redemption options vary and are subject to change without notice.

Earn a One-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.

Other rates & fees

  • Intro Purchase APR: 0% on purchases for 9 months; 13.99% - 23.99% (Variable) APR after that
  • Intro Balance Transfer APR: None
  • Balance Transfer Fee: None

This card offers 0% on purchases for 9 monthswhich is a decent amount of time for your business to pay off any new purchases like printers or computers. After the intro period, you will be charged an APR ranging from 13.99% - 23.99% (Variable). There is no intro balance transfer period for this card.

Key features of all Capital One cards

All Capital One cards have the following features — some that add significant value when compared to competing cards. There is no foreign transaction fee for Capital One cards. A foreign transaction fee is a fee many cards have that ranges from 2 – 5% of each transaction made outside the U.S. Since Capital One cards don’t have this fee, you save a lot of money when using this card abroad compared to other cards.

Capital One offers CreditWise®, a free credit dashboard available to everyone regardless if you’re a cardholder or not. With CreditWise®, you can view your VantageScore 3.0® credit score provided by TransUnion®. You can even sign up for alerts when your TransUnion® credit report changes as a result of inquiries, delinquent accounts and more.

In regards to the cash advance fee and late payment fees, Capital One has similar fees to other issuers. A cash advance fee is incurred when you withdraw money with your credit card. A point to remember is that interest starts accruing immediately with cash advances so it’s strongly recommended to avoid taking a cash advance if possible. A late payment fee will occur if you miss a payment. The fee typically is up to $39.

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