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11 Apr 2018

Top 5 Credit Cards from Capital One

Knowing which Capital One credit card is going to be the best for your needs is easier said than done. There are as many different types of credit cards. There’ are also many different reasons to use credit.

The best credit card is the one that’s going to best fit what you’re going to use it for. Will your Capital One credit card be for personal finance? Or will you be using it for business purchases?

Capital One credit cards are some of the most popular and well-trusted cards on the market. Whatever your particular needs, there’s likely a Capital One credit card that will fill them.

We’ve compiled a guide to five of the most popular Capital One credit cards to help you find the card that’s for you!

Top 5 Capital One Credit Cards

There is a Capital One to meet almost any circumstance. Your circumstances will direct which credit card is the best for your, however.

There are some commonalities between all of these cards. Every card is a good deal for international travelers because they are free of international fees.

Capital One cards all feature excellent rewards programs, as well. Their rewards program is notoriously easy to understand. Capital One rewards points are some of the easiest to redeem, as well.

Now let’s look at some of the pros and cons of each of the top 5 Capital One credit cards. You’ll have a much better idea of which card is best for you when we’ve broken it all down for you.

Capital One Venture Rewards Card

The Capital One Venture Rewards card is particularly well-suited for travel lovers. It offers exceptionally generous rewards that can be used for travel-related expenses. It can fall a little short in other areas, however.

The Venture rewards card features a particularly attractive introductory offer. New cardholders receive 50,000 bonus miles when you spend $3,000 in your first three months. This is the equivalent of roughly $500 in cash value.

The Venture card features 2x bonus points that can be redeemed for travel rewards. These bonus points accrue all day, every day. Those looking for cashback rewards may be a bit disappointed, however, as these rewards points can only be redeemed for frequent flyer miles.

They also offer a similar incentives program for renting hotels. Cardholders receive 10 miles for every dollar spent when you use your Venture card to book a hotel.

Capital One Venture Rewards Card Basics:

  • 14.24% – 24.24% APR
  • $0 Annual Fee (First Year)/$95 Annual Fee
  • Good Credit Required

The Venture rewards is a great deal for travelers. It can leave something to be desired for those looking for cashback rewards, however. Keep that in mind when making your selection.

Capital One VentureOne Rewards Card

The Venture One Rewards Card is the lite version of the Venture card. It’s still got excellent rewards for travelers. Just not as excellent as the Venture card.

Cardholders receive 20,000 bonus miles when they spend $1.000 in the first three months. This is the cash equivalent of around $200.

Customers receive 1.25 points for every dollar spent. This incentive is ongoing, letting customers accumulate bonus points all day, every day. There is no time limit on when you can redeem your rewards points, as an additional benefit.

The VentureOne cardholders receive 10 bonus points for every dollar spent at hotels the customer books with their VentureOne card. The VentureOne card lets you travel when you’re ready to go, as well. There are no blackout dates for when the card is not valid.

The VentureOne card eliminates unexpected costs and hidden fees in many areas and it card has no annual fees. They also don’t charge fees for international transactions, which can accumulate quickly and become expensive when traveling abroad.

Capital One VentureOne Rewards Basics:

  • 13.24 – 24.24% APR
  • $0 annual fee
  • Good or excellent credit needed

The VentureOne credit card is still a great value for travelers and those looking for a dependable rewards program. It’s just not as top shelf as the Venture rewards card.

Capital One Quicksilver Cash Rewards Card

The Quicksilver rewards card is the first credit card on our list to feature a rewards program that offers cash back instead of simply offering specialized incentives. It’s still got many of the same perks and benefits of the other reward cards, however.

The Quicksilver rewards card offers a $150 cash back bonus when you spend $500 in the first three months. Customers earn 1.5% cash back points for every dollar spent after that. Those cash back points can accumulate surprisingly fast!

The Quicksilver rewards program is the single best selling point. The Quicksilver boasts an incredibly easy, intuitive way to accumulate and redeem points. There are no rotating categories or sign-ups needed to earn cash back points.

Cashback rewards points never expire, so you can accumulate points for as long as you have the Quicksilver rewards card. There is also no limit on how much you can earn.

One of the greatest things about the Quicksilver rewards card is there’s no limit on when you can cash out your rewards points. It’s not uncommon for rewards programs to set the bar for their incentives programs prohibitively high. The high bar for redeeming points means many consumers never receive their incentives.

The Quicksilver is also easy to qualify for. It doesn’t have as high of credit standards as some of the other credit cards on the market. This makes the Quicksilver rewards card an excellent choice for consumers looking for a solid rewards card even if they have less than exceptional credit.

The Quicksilver rewards card offers a few other incentives, which is probably part of why it was included as part of U. S. News’ Best Cash Back Cards Of 2018 list. The Quicksilver rewards card offers 0% APR for the first 9 months. The card features a sliding rate of 14.24% – 24.24% APR after the introductory period.

The Quicksilver rewards card imposes a fee of 3% on every balance transferred to the card. There are no annual fees, however. You also won’t be charged for international transactions, which is a major benefit for those who will be traveling abroad.

Quicksilver Rewards Card Basics:

  • 0% APR (First 9 months)
  • 14.24 – 24.24% APR (After 9 months)
  • $0 annual fee
  • Good or excellent credit needed

The Quicksilver rewards program is one of the simplest and most reliable cash bash programs from any company on the market. It’s also one of the most generous. You’ll never stop accumulating cash back points when you use the Quicksilver.

PlayStation Capital One Rewards Card

Capital One partners with all manner of retailers and corporations to offer enticing rewards programs and special deals on products and services. The PlayStation rewards card is going to be of particular interest to the avid gamers who are looking for a credit card to supplement their gaming needs. It offers numerous generous deals if you visit the PlayStation online store semi-regularly.

The PlayStation card offers a $50 bonus for the PlayStation store upon completing your first purchase. This can be completed within the first 90 days of opening the account. The benefits go both ways, as well. Customers receive 5 bonus points for every dollar spent in the PlayStation store.

This offer extends to other retailers as well. PlayStation cardholders can sometimes receive 5 points for every dollar spent on select PlayStation and Sony products. Proof of purchase is often required to earn those points, however, so make sure to read the fine print.

The PlayStation card also incentivizes your mobile bill. Customers earn up to 3 points for every dollar spent on their cell phone bill. This creates a powerful give-and-take relationship between all of your media expenditures. For those who are serious about their entertainment, the PlayStation card could save you some serious bucks.

The PlayStation rewards card also offers special deals and bonuses only available to cardholders. These include special games and deals on Sony products. Customers may receive invitations to exclusive experiences as well.

Finally, the PlayStation rewards card makes holding a PlayStation membership. Cardholders can receive 50% a PlayStation Plus membership after spending $3,000 in a year. Customers can also receive a 10% discount on additional Sony products like PlayStation Vue and PlayStation Music.

The PlayStation card still offers many of the same excellent rewards programs as their other cards. Customers will receive bonus points for every purchase. These accumulate all day, every day.

Capital One PlayStation Rewards Card Basics:

  • 0% APR until September 2018
  • 15.24% – 24.99% APR afterwards
  • $0 annual fee
  • Good credit needed

The PlayStation rewards card is an excellent benefit for serious gamers and media enthusiasts. It lets you earn points between all of your media accounts and use them towards new games and media. This can amount to some serious savings for ardent media consumers.

The PlayStation rewards card can leave a little something to be desired for those looking for a cash back rewards program, however. This card is going to be of most benefit to those who game a lot and consume a lot of media. For less exclusive consumers, you might do better to find a different rewards card.

Sony Rewards Card From Capital One

The Sony rewards card is another great deal for media enthusiasts. The Sony card isn’t just limited to video game enthusiasts, either. Cardholders can gather points from a variety of media outlets which can be redeemed for other entertainment-related purchases.

The Sony rewards card offers a similar introductory offer to the PlayStation card. Cardholders receive a $50 credit after completing their first purchase within the first 90 days.

Customers also receive 5 points for every dollar spent on entertainment purchases. These include video streaming and subscription services. Music and video download purchases are also applicable for bonus rewards points.

Live culture enthusiasts are also in luck. Tickets for concerts and sporting points also yield 5 points for every dollar spent. Movie and live theater tickets are also eligible for the special rate.

There are incentives for loyal Sony customers as well. Customers receive 5 points for every dollar spent on Sony products from authorized retailers.

Sony rewards their loyal customers with other exclusive offers, as well. Rewards points from the Sony card can be redeemed for exclusive offers. These can include special downloads, movies, and music.

The Sony rewards card also offers many of the same deals as the other credit cards we’ve featured on this list. Cardholders receive 0% APR for the first nine months. Customers receive a variable rate of 15.24% – 24.99% after the introductory rate.

Customers will receive a point for every dollar spent, as well. These points accumulate on every purchase completed with the Sony rewards card.

Sony Rewards Card From Capital One Basics:

  • 0% APR (first 9 months)
  • 15.24% – 24.99% APR (after introductory period)
  • $0 annual fee
  • Excellent credit required

The Sony rewards card is an excellent value for entertainment lovers and media enthusiasts. Points accumulate quickly which can be redeemed for any number of exclusive offers and special products.

Ready To Find The Right Credit Card For You?

If you’re looking for a cash back rewards card, there are better offers out there for you.

Capital One credit cards are some of the best on the market. They offer low introductory interest rates, across the board. They also boast one of the simplest and most comprehensible rewards programs, so you can actually use your credit cards.

Spending some time and doing some research will help you determine which credit card will best suit your needs. There are numerous partnership programs, as well, in case you’re particularly loyal to one particular brand or retailer.

Make sure to decide if cash back or incentives are more important to you when selecting the right credit card. Try your best to predict your financial future, as well. You might be wanting promotional items right now but will end up strapped for cash in a year.

Taking the time to weigh and balance the various credit cards on the market is a good idea. It’ll help you find the right offer for your particular needs, even if you don’t have the greatest credit.

We believe that everybody deserves a shot at good credit. Let us help you find the best credit card for your personal needs today!