Are Capital One cards Visa® or Mastercard®?

Visa® and Mastercard® are two major credit card networks that help process credit card payments. But neither Visa nor Mastercard actually provide credit cards. That’s the job of credit card issuers like Capital One.

You might be wondering whether Capital One card payments are processed by Visa or Mastercard. Actually, Capital One issues cards in partnership with both Visa and Mastercard.

Key takeaways

• Capital One issues cards in partnership with both Visa and Mastercard credit card networks.
• The Capital One cards issued in partnership with Visa and Mastercard include Venture Rewards, Venture X Rewards, VentureOne Rewards, Quicksilver Rewards and SavorOne Rewards.
• Both Visa and Mastercard are widely accepted at retailers worldwide.

Many card issuers, including Capital One, work with both Visa and Mastercard. Capital One is a card issuer, and Visa and Mastercard are credit card networks. Capital One works with both Visa and Mastercard.

Here’s a brief overview of some Capital One Visa and Mastercard cards and the benefits these cards currently offer:

• Venture Rewards: The Capital One Venture Rewards travel card offers cardholders the ability to earn double miles for every dollar spent. Plus, cardholders can enjoy benefits like up to a $100 credit toward Global Entry or TSA PreCheck® and 75,000 bonus miles after spending $4,000 within three months of the account opening date.
• Venture X Rewards: The Capital One Venture X Rewards card comes with even more benefits for frequent travelers, in addition to double miles on every purchase and 75,000 bonus miles after spending $4,000 within the first three months of the account opening. It also includes a $300 annual credit toward bookings made through Capital One Travel and complimentary access to Capital One Lounges and the Partner Lounge Network. And cardholders can enjoy a 10,000-mile annual anniversary bonus.
• VentureOne Rewards: VentureOne cardholders can earn 1.25 miles per dollar spent on every purchase, as well as a 0% intro APR for the first 15 months. View important rates and disclosures. They can also earn 20,000 bonus miles after spending $500 within three months of opening their account.
• Savor Rewards: Savor Rewards cardholders can earn 4% cash back on dining and entertainment and popular streaming services, 3% cash back at grocery stores and 1% on other purchases. New cardholders may also earn a $300 cash bonus once they spend $3,000 within the first three months of opening their card.
• SavorOne Rewards: SavorOne offers benefits similar to the Savor Rewards card but with no annual fee. View important rates and disclosures. Customers can earn 3% cash back on dining, entertainment, streaming services and at grocery stores, plus 1% back on everything else. 
• Quicksilver Rewards: The Quicksilver Rewards card offers 1.5% unlimited cash back on every purchase, a $200 cash bonus after spending $500 within three months from opening the account and no annual fee. View important rates and disclosures.
• QuicksilverOne: QuicksilverOne cardholders can earn unlimited 1.5% cash back on every purchase, plus 5% cash back when they book hotels and rental cars through Capital One Travel, all for a $39 annual fee. View important rates and disclosures.
• Quicksilver Secured Rewards: Quicksilver Secured cardholders can earn 1.5% cash back on every purchase with a refundable minimum $200 deposit and no annual fee. View important rates and disclosures.
• Platinum Mastercard: Platinum can be an ideal card for those working to build or rebuild credit. The card comes with no annual fee, and cardholders are automatically considered for a credit limit increase within six months of opening their account. View important rates and disclosures.
• Platinum Secured: Designed for those who are new to credit or trying to rebuild credit, the Platinum Secured card requires a minimum refundable security deposit of $49, $99 or $200. Cardholders can then enjoy benefits like $0 annual fee and annual credit line reviews every six months. View important rates and disclosures.

When it comes to deciding which Capital One credit card is right for you, you’ll probably want to give more weight to what the individual cards offer. You might consider things like introductory APR, credit score requirements, any annual fees and rewards rather than which network the card belongs to. That’s because both Visa and Mastercard are widely accepted worldwide. And each type of card will get you access to Capital One card benefits like protection from unauthorized use, virtual card numbers and mobile banking through the Capital One Mobile app.

The type of card you choose will also determine the benefits you’ll get from that card network. Visa may offer its cardholders certain perks that are different from what Mastercard offers its users and vice versa. So it can be helpful to review the Capital One benefits guide for Visa and Mastercard before making a final decision.

Capital One issues both Visa and Mastercard credit cards that offer a wide range of benefits, including cash back, travel rewards and other perks. Explore and compare all Capital One credit cards to find the one that’s right for you.