Most Used Capital One Credit Cards for Cashback

Capital One offers many different cashback credit cards for all kinds of spending, making it easier to earn income rewards on normal purchases. From flat-price cashback options to many higher rewards in specific categories like eating, leisure, and groceries, Capital One has a card for you.

There are credit cards that are acceptable everywhere and can help you construct credit or improve your credit card rating. All in all, these cards offer brilliant prices on account of the fact that only a few charge annual charges and comparatively excellent welcome bonuses quite regularly.

Summary Table (TLDR)

Top 8 Capital One Credit Cards for Cashback [2025]

Best Capital One Credit Cards for Cashback for [March 2025]

1. Capital One QuicksilverOne Cash Rewards Credit Card

This is appropriate for people with good to excellent credit scores who require simplicity and versatility. It offers limitless cashback of 1.5% on every purchase and permits reliable rewards through regular spending.

Cashback

Issuer	Capital One
Payment Gateway	MasterCard
Credit Score	Fair/ Average
Intro APR	0% for 15 months
Regular APR	19.99%-29.99%
Sign In Bonus	$200
Balance Transfer	29.99%
Best For	Household/ Regular Shopper

The Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases. Issued by Capital One, it’s ideal for those looking to earn rewards on everyday spending.

The card offers a variable APR of 29.74% and no annual fee. It also offers $0 fraud liability and no foreign transaction fees. A fair credit score is required, and it includes tools for credit monitoring and budgeting.

Key Features:

• 1.5% Cash Back on every purchase
• Unlimited Reward
• No annual fee for the first year
• No foreign transaction fees

Reward Rate:

• 1.5% on every purchase, every day

Other Information:

• Cash Advance Fee 5% or $10, whichever is greater

Pros & Cons of Capital One Quicksilver One Cash Rewards Credit Card

Expert Advice:

If you have a fair credit score and are looking for a smooth cashback card, the QuicksilverOne is a reliable alternative. However, the yearly charge is not justified for everyone, especially those attempting to find no-rate options.

2. Capital One Quicksilver Cash Rewards Credit Card

This card suits people with brilliant to desirable credit scores who are looking for a straightforward cashback option. With a 1.5% cashback on all purchases and no annual charge, it is best for daily use credit card.

Cashback

Issuer	Capital One
Payment Gateway	MasterCard
Credit Score	Good-Excellent
Intro APR	0% for 12 Months
Regular APR	19.24%-29.24% Variable
Sign In Bonus	$200 after spending $500 in the first 3 months
Balance Transfer	19.24%-29.24% Variable
Best For	Everyday Users, Professionals

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cashback card offering unlimited 1.5% cash back on every purchase. Issued by Capital One, it’s an excellent choice for those who prefer simple rewards without tracking spending categories. The lack of rotating categories and cashback limits makes it a hassle-free option for everyday spending.

This card has no annual fee and is available to those with good to excellent credit (700+). It offers a generous welcome bonus and an introductory 0% APR on purchases and balance transfers for 15 months. Additional perks include no foreign transaction fees, a referral program, and extended warranty protection on eligible purchases.

Key Features:

• Simple cash back with no categories
• No rotating categories

Reward Rate:

• Unlimited 1.5% cash back on every purchase

Other Information:

• Cash advance fee 5% or $10, whichever is greater

Pros & Cons of Capital One Quicksilver Cash Rewards Credit Card

Expert Advice:

Quicksilver is a robust contender for those with better credit ratings. With no annual fee and a decent sign-up bonus, it offers exquisite prices. However, it can not offer excessive rewards in unique classes compared to others.

3. Capital One SavorOne Cash Rewards Credit Card

The SavorOne is perfect for common diners and amusement fans. It offers 3% cashback on dining, enjoyment, and pick-out streaming services, making it perfect for folks who spend more in these categories.

Cashback

Issuer	Capital One
Payment Gateway	MasterCard
Credit Score	Good-Excellent
Intro APR	0% for 12 months
Regular APR	19.24%-29.24% Variable
Sign In Bonus	$300 after spending $3,000 in the first 3 months
Balance Transfer	19.24%-29.24% Variable
Best For	Food Enthusiasts, Professionals

The Capital One SavorOne Cash Rewards Credit Card is designed for foodies and entertainment lovers, offering unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores). Issued by Capital One, it also features 5% cash back on hotels and rental cars booked through Capital One Travel.

With no annual fee, the SavorOne card provides premium cashback rewards without extra costs. A credit score of 700+ is generally required. The card features an introductory 0% APR for 15 months, no foreign transaction fees, and a referral program that rewards users with cash bonuses for inviting friends. Other benefits include travel accident insurance and fraud protection.

Key Features:

• High rewards on dining & entertainment
• No Annual Fee
• Cash advance fee 5% or $10, whichever is greater

Reward Rate:

• 3% cash back on dining, entertainment, and streaming; 1% on all other purchases

Other Information:

• No foreign transaction fees

Pros & Cons of Capital One SavorOne Cash Rewards Credit Card

Expert Advice:

A splendid card for foodies and amusement fanatics. With no annual price and high cashback in applicable classes, it’s a pinnacle preference for individuals who want rewards in those regions without a hefty rate attached.

4. Capital One Savor Cash Rewards Credit Card

This card is ideal for high-spenders on eating, entertainment, and streaming offerings. It offers 4% cashback on those classes, making it a highly profitable desire for individuals who spend frequently in these regions.

Cashback

Issuer	Capital One
Payment Gateway	Mastercard
Credit Score	Excellent
Intro APR	0% for 12 months
Regular APR	19.24%-29.24% Variable
Sign In Bonus	$300 after spending $3,000 in the first 3 months
Balance Transfer	19.24%-29.24% Variable
Best For	Food Enthusiasts, High Spenders

The Capital One Savor Cash Rewards Credit Card offers unlimited 3% cash back at grocery stores, dining, entertainment, and popular streaming services. Issued by Capital One, it’s perfect for foodies and entertainment enthusiasts.

The Savor card has no annual fee and a 0% intro APR for 15 months. It also offers 5% cash back on hotels and rental cars booked through Capital One Travel. A good credit score is required, and cardholders can refer friends for rewards.

Key Features:

• High rewards on dining & entertainment
• No foreign transaction fees

Reward Rate:

• 4% cash back on dining, entertainment, and streaming; 1% on all other purchases

Other Information:

• Cash advance fee 5% or $10, whichever is greater

Pros & Cons of Capital One Savor Cash Rewards Credit Card

Expert Advice:

The high annual fee for this card proves worthwhile because it provides tremendous cashback for entertainment and dining expenses. Thus, it is ideal for heavy-spending users. This card produces maximum reward value from selected purchasing categories.

5. Capital One Venture Rewards Credit Card

This card provides twice the mile earnings for every single buy and is well-suited for regular travelers. It is optimal for people wanting an uncomplicated and rewarding travel miles-earning method that does not require complex category monitoring.

Unlimited Rewards

Issuer	Capital One
Payment Gateway	Visa
Credit Score	Excellent
Intro APR	0% for 15 months
Regular APR	20.24%-28.24% Variable
Sign In Bonus	75,000 miles after spending $4,000 in the first 3 months
Balance Transfer	20.24%-28.24% Variable
Best For	Frequent Travelers, Professionals

The Capital One Venture Rewards Credit Card is a premium travel rewards card offering unlimited 2x miles on every purchase. Issued by Capital One, it allows flexible redemption options, including flights, hotels, and statement credits for travel purchases. The card also comes with Global Entry or TSA PreCheck® credit, making it ideal for frequent travelers who want a straightforward way to earn and redeem miles.

The card has a $95 annual fee but provides significant value through travel perks. Approval requires a good-to-excellent credit score (700+). There’s no preset spending limit, making it a flexible option for large purchases. The referral program allows users to earn bonus miles for referring friends. Additional benefits include travel accident insurance, rental car collision coverage, and access to Capital One Travel for price monitoring and booking assistance.

Key Features:

• Earn unlimited miles
• Transfer miles to over 15 travel loyalty programs
• Up to $100 credit for Global Entry or TSA PreCheck® application fee

Reward Rate:

• 2x miles per dollar on every purchase

Other Information:

• No Foreign Transaction Fees
• Either $10 or 3% of the amount of each cash advance, whichever is greater

Pros & Cons of Capital One Venture Rewards Credit Card

Expert Advice:

The credit card works best for people who need to accumulate travel miles between business trips since it does not require category selection. The annual fee justifies payments because travelers receive generous travel rewards and a rewarding sign-up bonus. Thus, this card works best for regular travelers.

6. Capital One Spark Classic for Business

The card serves businesses by automatically returning 1.5% cash on all transactions used for payment. All business transactions result in rewards that help owners develop their business credit and receive cashback benefits.

Cashback

Issuer	Capital One
Payment Gateway	Mastercard
Credit Score	Good/Excellent
Intro APR	N/A
Regular APR	23.99%
Sign In Bonus	$200
Balance Transfer	23.99%
Best For	Small Business Owners

The Capital One Spark Classic for Business offers 1% cash back on all purchases. Issued by Capital One, it’s a straightforward option for small businesses.

With no annual fee and no foreign transaction fees, the card helps businesses manage their expenses efficiently. A fair credit score is required, and it includes tools for credit monitoring and budgeting.

Key Features:

• 1% Cash Back on every purchase
• No annual fee for the first year
• No foreign transaction fees

Reward Rate:

• 1% on every purchase, every day

Other Information:

• A cash advance fee of 3% of the amount

Pros & Cons of Capital One Spark Classic for Business

Expert Advice:

Small business operators with fair to good credit will find the Capital One Spark Classic for Business Card an ideal solution. While the cashback benefits are decent enough, the other business cards provide superior incentives for this type of spending. This program, which lacks yearly expenses, provides users with a solid starting point for card usage.

7. Capital One Journey Student Rewards

Students who maintain fair credit can utilize this specific payment method to get a 1% rebate on everything they buy with a tiny 0.25% benefit for reliable payments. The card enables students to establish credit and earn benefits from their shopping activities.

Cashback

Issuer	Capital One
Payment Gateway	Visa
Credit Score	Fair- Good
Intro APR	N/A
Regular APR	29.99% Variable
Sign In Bonus	$50 after first purchase
Balance Transfer	29.99% Variable
Best For	Young Adults, Students

The Capital One Journey Student Rewards Credit Card offers 1% cash back on all purchases and a $100 bonus for good grades. Issued by Capital One, it’s tailored for students building credit.

With no annual fee and no foreign transaction fees, the card helps students manage their finances responsibly. A fair credit score is required, and it includes tools for credit monitoring and budgeting.

Key Features:

• Student Rewards
• Rewards good financial habits
• No annual fee

Reward Rate:

• 1% cash back on all purchases, boosted to 1.25% with timely payments

Other Information:

• Cash advance fee 5% or $10, whichever is greater

Pros & Cons of Capital One Journey Student Rewards

Expert Advice:

Capital One offers a great student credit card because it helps beginners construct their credit background. Students building their credit history will benefit from this payment option because it combines cashback rewards with payment bonuses while charging minimal costs.

8. Capital One Walmart Rewards® Card

Walmart shoppers receive maximum benefits through this card because they earn 5% cashback at Walmart.com and 2% cashback at Walmart stores. The Walmart Rewards card functions best for people who make regular Walmart visits through stores or their digital marketplace.

Regular Shopping & Cashback

Issuer	Capital One
Payment Gateway	Mastercard
Credit Score	Good- Excellent
Intro APR	N/A
Regular APR	17.99%-29.99% Variable
Sign In Bonus	5% back at Walmart.com for the first 12 months
Balance Transfer	17.99%-29.99% Variable
Best For	Walmart customers, Regular Shopper

The Capital One Walmart Rewards® Card offers 5% cash back on Walmart.com purchases and 2% cash back on grocery stores, pharmacies, and gas stations. Issued by Capital One, it’s great for frequent Walmart shoppers.

With no annual fee and no foreign transaction fees, the card also offers 1% cash back on all other purchases. A fair credit score is required, and it includes tools for credit monitoring and budgeting.

Key Features:

• 5% at Walmart.com, 2% in-store & at restaurants
• No annual fee

Reward Rate:

• 5% at Walmart.com, 2% in-store & at restaurants

Other Information:

• Cash advance fee 5% or $10, whichever is greater

Pros & Cons of Capital One Walmart Rewards® Card

Expert Advice:

According to a professional recommendation, this card remains the preferred option for Walmart loyal buyers because of its generous online cashback promotion. The reward benefits from this Walmart credit card become less beneficial for individuals who do not frequently shop at Walmart stores.

Comparison Table

Methodology

To identify the most effective Capital One credit card for cashback, we evaluated factors such as cashback percentage, shopping allowances, reward programs, and cardholder benefits. Our function involves reviewing eligibility criteria, fees, interest rates, and cardholder experiences.

We focused on cards that provide important rewards for online and offline purchases, no annual fee (or low fee), and flexibility in cashback. Each card was analyzed to maximize cashback prizes and to provide long-term value to users.

Choosing the Best Capital One Credit Cards for Cashback?

When selecting a Capital One cashback credit card, consider these considerations to determine whether it matches one’s spending and economic goals.

1. Cashback Structure:

• Flat-Rate Cashback: Capital One Quicksilver authentic flat-rate cashback credit cards offer flat percent (e.g., 1.5%) cashback on all purchases.
• Category-Based Cashback: Capital One SavorOne credit cards offer higher cashback (e.g., 3%- 4%) on unique categories like eating, amusement, and groceries.

2. Annual Fees: Many Capital One cashback cards don’t have annual charges, but top-class cards, like the Capital One Savor, charge an annual fee for heightened rewards.
3. Welcome Bonuses: Some card merchandise offers a one-time coin bonus after a user fulfills the minimal spending requirement in the first three months of use.
4. Required Credit Scores:

• Excellent Credit: Savor and Quicksilver tend to be for people with very excessive, outstanding candy credit score profiles.
• Fair Credit: QuicksilverOne caters to human beings with average opinions by presenting cashback offers.
• Credit Building: QuickSilver Safe gives you cashback while also helping you improve your credit. 

5. Flexibility in redemption: Some interesting Capital One cards allow cashback redemption against statement credit, gift card, or travel fee, giving the holder flexibility.
6. Bonus: Some are known as foreign transaction fees. Many Capital Forest cards do not charge foreign transactions, which is ideal for international purchases. Features such as fraud conservation and instant locking of cards add further protection.

Through this evaluation, you can select a Capital One cashback card that is associated with your spending habits and financial goals

Why do you need a credit card for cashback?

A cashback credit card allows you to earn the percentage back as a prize from the amount spent. If you use your credit card for your daily needs, such as grocery, food, and entertainment, cashback cards can help you save a decent amount. This is a simple way to earn prizes without the trouble of a complex point system that helps give the most value for your expenses.

Does Capital One offer Credit Cards for Cashback?

Yes, Capital One has offered several cashback credit cards that fulfill all spending habits. You want a flat rate cashback on all purchases or high prizes in special categories, as well as a capital forest card for your lifestyle.

Some of the common cashback cards from Capital One are:

• Capital One QuicksilverOne Cash Rewards Credit Card
• Capital One Quicksilver Cash Rewards Credit Card
• Capital One SavorOne Cash Rewards Credit Card
• Capital One Savor Cash Rewards Credit Card
• Capital One Venture Rewards Credit Card

How Do Capital One Credit Cards Help in Cash Back?

Capital One cashback credit cards offer rewards to users in the form of cashback as a percentage of their purchases. Some cards offer unlimited flat-rate cash again on the whole thing, whereas some provide extra cashback for spending on dining, groceries, and leisure. Cashback rewards can be redeemed for entertainment credits, hotel payments, or even in opposition to travel accommodations.

Advantages of Capital One Credit Cards for Cashback

1. No Annual Fee Options: Many cashback cards don’t have any annual price, making them inexpensive.
2. Flexible Redemption: You may additionally redeem the usage of cashback for assertion credits, exams, or gift cards.
3. Bonus Categories: Certain cards offer higher cashback in classes that see the maximum amount of money spent.
4. Credit Building Options: Capital One offers secured and fair credit cards with cashback blessings.

FAQs!

Does Capital One Have a 5% Cash-Back Card?

No, as of 2025, Capital One will not be having a card presenting 5% cash back. However, Capital One Savor gives 4% cash returned on eating, enjoyment, and streaming, while SavorOne gives 3%.

What is the hardest Capital One card to get?

The hardest card to get is the Capital One Venture X, but because it’s a journey rewards card, it also functions as a top-rate cashback credit card. The Capital One Savor is ruled by the inability to have the funds for it, considering that it is categorized as a top-class cashback credit card.

How do I redeem my cashback rewards?

You can redeem your cashback in any form you like, particularly through an assertion credit score, check, gift card, or travel credit score from your Capital One account on the Capital One website and mobile app.

How many Capital One credit cards can you have?

You can have as many Capital One credit cards as you want, but there is a 2/3/4 rule. This means you are allowed to have two cards in a 30-day period, three cards in a 12-month period, and four cards in 24 months. 

Can I redeem my rewards for something other than cashback?

Yes, you may redeem your rewards for travel purchases, gift cards, and account credits, granting you more flexibility than simple cash.

Is Cash Back From a Credit Card Taxable?

No. Cash back from credit cards is simply a rebate. Therefore, it isn’t always taxable earnings and must not be included in taxable income.