THIS is the Best Capital One Credit Card in 2021
Capital One is one of the leading credit card providers in the United States. Their products are popular for their versatility and convenience, and they offer a wide range of rewards and benefits. Whether you’re looking for a traditional rewards card, a no-annual-fee card, or a card with a 0% introductory APR, there’s a Capital One card for you.
For those looking for a traditional rewards card, the Capital One Venture Rewards Credit Card is a great choice. With this card, you can earn a generous 2 miles for every dollar spent on purchases, and you can redeem those miles for statement credit, travel, gift cards, and more. There’s also no foreign transaction fees and you can earn a one-time bonus of 50,000 miles when you spend $3,000 within the first three months of opening your account.
The Capital One Quicksilver Card is a popular no-annual-fee card that offers a 0% introductory APR for the first 15 months. It also offers a flat 1.5% cash back on all purchases, with no rotating categories. Plus, you can get a one-time bonus of $150 when you spend $500 within the first three months of opening your account.
If you’re looking for a card with a 0% introductory APR, the Capital One SavorOne Cash Rewards Credit Card is a great choice. This card offers a 0% intro APR on purchases and balance transfers for the first 15 months, and there’s no annual fee. Plus, you can earn a one-time bonus of $150 when you spend $500 in the first three months of opening your account.
Capital One also offers a variety of business cards, including the Spark Cash from Capital One. This card offers a generous 2% cash back on all purchases, with no rotating categories or spending caps. Plus, you can get a one-time bonus of $500 when you spend $4,500 in the first three months of opening your account.
No matter which type of card you’re looking for, Capital One has a great selection to choose from. Their cards offer generous rewards, low rates, and great benefits, making them an excellent choice for anyone looking for a credit card.
• Capital One offers a variety of credit cards, including traditional rewards cards, no-annual-fee cards, and cards with 0% intro APR.
• The Capital One Venture Rewards Credit Card offers a generous 2 miles per dollar spent and a one-time bonus of 50,000 miles when you spend $3,000 in the first three months.
• The Capital One Quicksilver Card offers a 0% intro APR for 15 months and a one-time bonus of $150 when you spend $500 in the first three months.
• The Capital One SavorOne Cash Rewards Credit Card offers a 0% intro APR for 15 months and a one-time bonus of $150 when you spend $500 in the first three months.
• The Capital One Spark Cash Card offers a generous 2% cash back on all purchases and a one-time bonus of $500 when you spend $4,500 in the first three months.
People Also Ask Questions and Answers:
Q: What is the best Capital One credit card?
A: The best Capital One credit card depends on your needs, but some popular choices include the Venture Rewards Credit Card, the Quicksilver Card, the SavorOne Cash Rewards Credit Card, and the Spark Cash card.
Q: Does Capital One offer 0% APR?
A: Yes, some of Capital One’s cards offer a 0% introductory APR for the first 15 months.
Best Credit Cards Capital One – How to Choose
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At the moment, Capital One offers 22 different credit card options including popular ones like the platinum MasterCard, venture card, Quicksilver, Savor, journey student card, secure MasterCard, the spark business card, and several other retail-specific cards as well. Now that’s great and all but there’s a lot of companies that offer a ton of credit card options so what’s the big deal here. Well, what specifically caught my eye that I wasn’t aware of is that Capital One actually offers the same exact credit card multiple times depending on your credit level and what rewards you’re looking to get. For example, the Quicksilver card which is a very popular option has the regular Quicksilver rewards, Quicksilver rewards with good credit, and the Quicksilver one rewards card.
And the same thing goes with the savor card and several other credit card options. So let’s talk about the differences between all of these so that you can make the best decision possible. First I want to start with the Quicksilver and savor cards because those are two of the most popular options and then we’ll take a look at some of those more niche products. So the standard Quicksilver card is a very popular free option that offers you unlimited 1.5% cash back on all of your purchases across the board. Now a lot of people argue that this loses out to the Citi double cash card which offers you 2% back across the board and in terms of cash back that is absolutely true however the Quicksilver rewards card gives you a $200 signup bonus when you spend $500 in the first three months which is something that the double cash card does not have.
But Capital One also offers a Quicksilver rewards card if your credit isn’t quite as good and it’s exactly the same in terms of cash back but just removes the eligibility for that signup bonus. Now Capital One doesn’t specifically say what credit score they consider good or excellent but they do give these helpful guidelines that should give you an idea of which category you fall into. But even beyond those two Quicksilver options, there’s also the Quicksilver one rewards card which has a $39 annual fee, offers the same 1.5% cash back, but is available to individuals that have what they call fair credit. And again maybe it’s just me, but I thought this was a really interesting concept that I personally have not seen anywhere else because typically when I review certain credit card options, there might be a credit score requirement or something like that in order to qualify for certain cards.
And for the most part you either meet the requirement or not and that determines whether or not you can get that particular credit card. But what Capital One is saying is instead of denying you completely we’re just going to offer a few different options with slightly different benefits in case you’re still interested in getting this product. So instead of applying for the Quicksilver rewards card and getting denied because your credit score isn’t good enough, well maybe you could still qualify for the Quicksilver rewards good credit or the Quicksilver one rewards card and still earn that 1.5% cash back.
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