Which Capital One cash back credit card is right for you?
Whether you’re looking to earn cash back rewards on items you buy all the time, on concert tickets or at restaurants, chances are you can find a Capital One credit card that can help.
Find out the differences between Capital One’s cash back cards and the credit score you might need to qualify for each.
What you’ll learn:
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Capital One offers cash back credit cards for people at all credit levels.
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Capital One Quicksilver cardholders can earn unlimited 1.5% cash back on every purchase, every day.
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Capital One Savor cardholders can earn unlimited 3% cash back on food and fun.
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Eligible Capital One cash back cards can earn elevated rewards through Capital One Travel and Capital One Entertainment.
What are the benefits of a Capital One cash back credit card?
With a Capital One cash back credit card, you can turn your everyday spending into unlimited rewards that won’t expire as long as your account remains open and in good standing. Eligible cardholders can also earn elevated rewards through Capital One Travel and Capital One Entertainment.
With flexible redemption options, you can apply your cash back toward recent purchases, statement credits, gift cards and more. And if you have more than one Capital One credit card, you can link your accounts to combine and transfer your rewards.
Capital One cash back credit cards for everyday purchases
Everyday cash back cards give you a simple way to earn rewards on the eligible purchases you’re already making. Here are the cash back cards Capital One offers:
Quicksilver card
| Key benefits | Credit level | Annual fee |
|
1.5% cash back on every purchase 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5% cash back on Capital One Entertainment purchases $200 bonus after spending $500 on purchases within three months of opening an account |
Excellent | $0 |
Quicksilver for Good Credit card
| Key benefits | Credit level | Annual fee |
|
1.5% cash back on every purchase 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5% cash back on Capital One Entertainment purchases |
Good | $0 |
QuicksilverOne card
| Key benefits | Credit level | Annual fee |
|
1.5% cash back on every purchase 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5% cash back on Capital One Entertainment purchases Automatic consideration for a higher credit line in as little as six months |
Fair | $39 |
Quicksilver Secured card
| Key benefits | Credit level | Annual fee |
|
1.5% cash back on every purchase 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5% cash back on Capital One Entertainment purchases Refundable deposit and option to raise credit limit by depositing more than the minimum |
Fair and building | $0 |
Quicksilver Student card
| Key benefits | Credit level | Annual fee |
|
1.5% cash back on every purchase 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5% cash back on Capital One Entertainment purchases $50 bonus when new cardholders spend $100 on purchases within three months of opening an account |
Fair or establishing | $0 |
Capital One cash back credit cards for dining and entertainment
Dining and entertainment cards give you unlimited cash back for food, fun and all the things you love to do. Plus, eligible customers have access to exclusive dining and entertainment perks. Here are the dining and entertainment cards Capital One offers:
Savor card
| Key benefits | Credit level | Annual fee |
|
3% cash back at grocery stores and on dining, entertainment and popular streaming services 8% cash back on Capital One Entertainment purchases 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1% cash back on all other purchases $200 bonus when new cardholders spend $500 within three months of opening an account |
Excellent | $0 |
Savor for Good Credit card
| Key benefits | Credit level |
Annual fee |
|
3% cash back at grocery stores and on dining, entertainment and popular streaming services 8% cash back on Capital One Entertainment purchases 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1% cash back on all other purchases |
Good | $0 |
SavorOne card
| Key benefits | Credit level | Annual fee |
|
3% cash back at grocery stores and on dining, entertainment and popular streaming services 8% cash back on Capital One Entertainment purchases 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1% cash back on all other purchases Automatic consideration for a higher credit line in as little as six months |
Fair | $39 |
Savor Student card
| Key benefits | Credit level | Annual fee |
|
3% cash back at grocery stores and on dining, entertainment and popular streaming services 8% cash back on Capital One Entertainment purchases 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1% cash back on all other purchases $50 cash bonus when new cardholders spend $100 on purchases within three months of opening an account |
Fair or establishing | $0 |
How to choose the right Capital One cash back credit card
Your lifestyle and spending habits are key to finding the right Capital One cash back credit card. If you’re looking for a card that supports your lifestyle, a Savor card could be a great option. If you’re looking for a more straightforward way to earn cash back, a Quicksilver card could make more sense for you.
It can also help to consider other aspects of a credit card:
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Fees: Before you write off a card with an annual fee, you might consider whether potential rewards and benefits outweigh the cost. Depending on the card, there may also be fees for balance transfers, cash advances, foreign transactions, late payments and more.
- APR: Annual percentage rate, or APR, is the price you might pay to borrow money. With credit cards, APR and interest rates are the same. In general, lower rates are better. But you can typically avoid or minimize how much interest you owe by paying off your statement on time every month.
Key takeaways: Choosing a Capital One cash back credit card
Capital One offers cash back credit cards for everyone, from students to people with excellent credit. Whether you want to earn rewards on everyday purchases, dining and entertainment or travel, there’s a Capital One cash back card to consider.
