Capital One QuicksilverOne Rewards Credit Card, Capital One Quicksilver Rewards Credit Card, Capital One Savor Rewards Credit Card, Capital One Quicksilver Rewards for Good Credit, and Capital One Quicksilver Secured Cash Rewards Credit Cards are some of the popular Capital One Credit Cards for Cashback. These cards offer different cashback rewards, allowing users to earn cashback rewards on everyday 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. These cards are acceptable everywhere and help you build or improve your credit card rating.
Summary Table (TLDR)
Top 8 Capital One Credit Cards for Cashback [2025]
| S.N. | Name of Capital One Credit Cards for Cashback | Best Known & Value for |
|---|---|---|
| 1. | Capital One QuicksilverOne Rewards Credit Card | Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and on purchases through Capital One Entertainment. |
| 2. | Capital One Quicksilver Rewards Credit Card | Unlimited 1.5% cash back on groceries and clothes to electronics and home improvement costs. |
| 3. | Capital One Savor Rewards Credit Card | Unlimited 3% cash back at grocery stores, on dining, entertainment, and popular streaming services. |
| 4. | Capital One Quicksilver Rewards for Good Credit | Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and on purchases through Capital One Entertainment. |
| 5. | Capital One Quicksilver Secured Cash Rewards Credit Card | No annual fee or foreign transaction fees |
| 6. | Capital One Savor Rewards for Good Credit | Earn 8% cash back on Capital One Entertainment purchases and 5% on hotels and rental cars via Capital One Travel. |
| 7. | Capital One Savor Rewards for Students | Unlimited 3% cash back at grocery stores and on dining, entertainment, and popular streaming services |
| 8. | Capital One Quicksilver Rewards for Students | Best for students who want to build credit, earn rewards on everyday purchase |
Best Capital One Credit Cards for Cashback for [March 2025]
1. Capital One QuicksilverOne Rewards Credit Card
Capital One QuicksilverOne Rewards Credit Card is an unlimited cashback credit card offering rewards to the customers on every purchase. You can earn cashback rewards on every purchase, everywhere, while using this card. The Capital One QuicksilverOne Rewards Credit Card can be used by those individuals who want to get rewarded while building their credit.
Cash Back on Everyday Purchase
- Issuer – Capital One
- Payment Gateway – Mastercard
- Credit Score – Fair
- Intro APR – 0% for 15 months
- Regular APR – 29.74%
- Annual Fee – $39
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – 29.74%
- Sign-up Bonus – Earn a $200 bonus if you spend $500 within 3 months of account opening
- Best For – Regular Shopper / Household, Military Personnel, Student
The Capital One QuicksilverOne 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 Capital One card offers a variable APR of 29.74%, $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 | Reward Rate | Other Information |
|---|---|---|
| Travel rewards | Unlimited 1.5% cash back on every purchase | Automatic Credit Line Reviews |
| No foreign transaction | – | Tap to Pay option accessible |
| Rewards don’t expire | – | $0 fraud liability |
| Redeem Rewards with PayPal | – | Get a gift card |
| Manage account through Capital One Mobile App | – | 24/7 customer service |
| Premier access with Capital One Dining and Capital One Entertainment | – | Account alerts |
| Receive up to a $120 credit for Global Entry or TSA PreCheck | – | Transfer your miles |
| Shop with Rewards at Amazon.com | – | Emergency card replacement |
| 50% off Handcrafted Beverages | – | Best for building Credit |
| – | – | Card lock option |
Pros & Cons:
Pros
- The card is best for international students, as it has no foreign transaction fee.
- The card is a great choice for those individuals who want to avoid a security deposit.
- Users get the chance to earn travel miles on every travel purchase such as car rental, hotels, flights, etc.
Cons
- The standard APR is quite high as compared to the other cards in the market.
- The card doesn’t reimburse customers for out-of-network ATM fees.
- To earn a $200 bonus, the customer has to spend $500 in the span of 3 months, which can be quite difficult for some users.
Expert Advice
Capital One QuicksilverOne Rewards Credit Card is excellent for those individuals who have a fair credit score as it offers smooth cashback rewards. However, the yearly charge is not justified for everyone, especially those attempting to find no-rate options.
2. Capital One Quicksilver Rewards Credit Card
Capital One Quicksilver Rewards Credit Card is an everyday rewards credit card, best used for daily expenses, where rewards don’t expire. A good credit score is needed for Capital One Quicksilver Cash Rewards Card.
Everyday Cashback Rewards
- Issue – Capital One
- Payment Gateway – MasteCard
- Credit Score – Excellent
- Intro APR – 0% intro APR for 15 months
- Regular APR – 19.24% – 29.24% variable APR
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign-up Bonus – Earn $200 as a one-time cash bonus once you spend $500 within 3 months from account
opening. - Best For – Everyday users, Professionals
The Capital One Quicksilver Rewards Credit Card is a cashback credit 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 | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn 1.5% cashback on every purchase. | Get Gift cards |
| No foreign transaction fees ( on purchases made outside of the United States.) | Earn unlimited 5% cashback on hotels and rentals cars through Capital One Travel | $0 Fraud Liability |
| Low Intro APR | – | 24-hour Travel Assistance Services |
| Rewards don’t expire | – | Travel Accident Insurance |
| Enjoy access to Capital One Travel | – | Instant Purchase Notifications |
| Redeem rewards with PayPal | – | Extended warranty on eligible items |
| Use Rewards at Amazon.com | – | Access to Capital One Assistant, to manage your account. |
| Enjoy 5% cashback on Capital One Entertainment | – | – |
| Access to Capital One Shopping for additional discounts codes | – | – |
| Get 50% off on all handcrafted beverages at any Capital One Café nationwide. | – | – |
Pros & Cons:
Pros
- The card has digital wallet capabilities and offers contactless payment to its cardholders.
- There are no foreign transaction fees on purchases made outside the United States.
- The cardholders get free extended warranty protection on eligible items purchased with the card.
Cons
- The card is only available to those applicants who have an excellent credit score.
- There are no bonus categories, as most purchases earn a consistent flat rate of cashback.
- The card doesn’t offer any elite status, annual credit or airport lounge access.
Expert Advice
Capital One Quicksilver Rewards Credit Card offers various attractive benefits, including a solid sign-up bonus, an introductory 0% APR period, and low fees. However, it does not provide excessive rewards in specific categories compared to other cards.
3. Capital One Savor Rewards Credit Card
Capital One Savor Rewards Credit Card is a credit card that offers great cashback on grocery stores, on dining, entertainment, and popular streaming services. The card has the ability to offer generous no pre-set credit limits and soft pull increases over time.
Foodie – Focused Rewards
- Issuer – Capital One
- Payment Gateway – MasteCard
- Credit Score – Excellent
- Intro APR – 0% for 15 months
- Regular APR – 19.24% – 29.24% variable APR
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign-up Bonus – Earn $200 as a one-time bonus once you spend $500 within 3 months of account opening.
- Best For – Frequent restaurant diner, Grocery shopper, Amusement fans
The Capital One Savor 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 | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn unlimited 3% cash back on food and fun | Complimentary Concierge Service |
| Low intro APR | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. | $0 Fraud Liability |
| Rewards don’t expire | Earn unlimited 1% cash back on all other purchases. | Lock your card in the Capital One Mobile app |
| High rewards on dining and entertainment | Earn 8% cash back on Capital One Entertainment purchases. | 24-hour Travel Assistance Services |
| No foreign transaction fee | – | Account Alerts from Eno |
| Redeem Your Rewards with PayPal | – | 24/7 Customer Service |
| Shop With Your Rewards – Amazon.com | – | Extended Warranty |
| 50% off Handcrafted Beverages | – | Travel Accident Insurance |
| Capital One Mobile App | – | – |
| Access to Capital One Dining | – | – |
| Enjoy Capital One Entertainment benefits | – | – |
Pros & Cons:
Pros
- It offers a generous introductory APR period for both purchases and balance transfers, allowing you to avoid interest charges while you pay down your balance.
- You can qualify for the card’s welcome offer with relatively low spending requirements.
- This card comes with no annual fee, so you won’t have to worry about covering recurring costs.
Cons
- To enjoy the enhanced rewards rate for hotel and rental car bookings, you must book through Capital One. This requirement can limit your options and may lead to higher prices.
- The requirements to apply for this card are relatively high; we suggest that applicants have at least good credit.
- If your spending does not align with the card’s bonus categories, you might not receive much value from it.
Expert Advice
Capital One Savor Rewards Credit Card is best suited for foodies and amusement fanatics, offering high cashback with no annual fee. But , the balance transfer fee is quite high as compared to other cards.
4. Capital One Quicksilver Rewards for Good Credit
Capital One Quicksilver Rewards for Good Credit is a credit card offering cashback on everyday purchases, making it easy for cardholders to pay the bill. Cardholders with good credit scores can earn cash rewards on purchases.
Cash Back on Everyday Purchase
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Good
- Intro APR – N/A
- Regular APR – 29.74% variable APR
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of cash advance fee, whichever is great.
- Balance Transfer APR – N/A
- Sign-up Bonus – None
- Best For – Everyday users / shoppers, Students, Frequent travelers
The Quicksilver Rewards for Good Credit by Capital One is a no-annual-fee cash back card specifically designed for individuals with good credit, defined as a FICO score of 670 or higher. This card offers an unlimited 1.5% cash back on every purchase, making it a simple choice for those seeking consistent rewards without the need to track spending categories.
While it does not provide an introductory 0% APR offer, the card allows you to accumulate unlimited rewards with no expiration date. Additionally, there are no foreign transaction fees, making it an excellent option for travelers. The card also includes travel accident insurance, extended warranty protection, and $0 liability for unauthorized transactions.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn unlimited 1.5% cash back on every purchase, every day | Complimentary Concierge Service |
| Access to Capital One Travel | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. | 24-hour Travel Assistance Services |
| Redeem your rewards with PayPal | – | Instant Purchase Notifications |
| Use your rewards at Amazon.com | – | Travel Accident Insurance |
| Access to Capital One Entertainment | – | $0 Fraud Liability |
| No foreign transaction fees | – | Gift cards |
| Rewards don’t expire | – | Card Lock option from Capital One Mobile App |
| Access to Capital One Mobile App | – | 24/7 Customer Service |
| – | – | Account Alerts from Eno |
| – | – | Extended Warranty on eligible items |
Pros & Cons:
Pros
- The card is best for students or travelers who frequently make purchases abroad, as it has no foreign transaction fee.
- Cashback rewards are easy to redeem with no expiration dates.
- Users can spend rewards on a gift card , cover your purchases or redeem them for cash.
Cons
- The cardholder gets bonus rewards to very specific purchases.
- The card doesn’t pay the highest flat cash rate in the market.
- There is no sign up bonus for new cardholders.
Expert Advice
Capital One Quicksilver Rewards for Good Credit is an excellent choice for those individuals who want to earn rewards on their everyday purchases. This card is also suitable for those who prefer booking travel accommodations through Capital One Travel.
5. Capital One Quicksilver Secured Credit Card
Capital One Quicksilver Secured Credit Card is a credit card that helps you build or improve your credit. The cardholders can easily earn rewards while building your credit.
Building Credit
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Fair
- Intro APR – N/A
- Regular APR – 29.74%.
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign-up Bonus – None
- Best For – Individuals with low credit scores., Everyday users/ Household, Students
Capital One Quicksilver Secured Credit Card is designed for individuals who want to build or rebuild their credit while earning rewards. It offers 1.5% unlimited cash back on all purchases, which is quite uncommon for secured cards. Additionally, it reports to all three major credit bureaus, so responsible usage can help improve your credit score over time.
To establish a credit line, this card requires a refundable security deposit, with a minimum deposit of $200. There is no annual fee, and it is available to individuals with a fair credit score of 580 or higher. After six months of responsible use, cardholders can access a higher credit line. The card also has no foreign transaction fees, making it a great option for international use.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn 1.5% cash back on every purchase with a refundable $200minimum deposit. | $0 Fraud Liability |
| No foreign transaction fees. | – | 24/7 Customer Service |
| No replacement card fees | – | Security Alerts |
| No authorized user fees | – | Card Lock through Capital One Mobile App |
| Capital One Mobile App | – | Emergency Card Replacement |
| Security deposit required | – | – |
| CreditWise from Capital One | – | – |
| Capital One Travel | – | – |
Pros & Cons:
Pros
- With responsible use, you can receive a credit limit increase in as little as six months.
- This card provides enhanced flat-rate rewards on eligible purchases, making it an ideal choice for low-maintenance cardholders.
- The card offers a prequalification process that helps you calculate your approval chances before applying, which protects your credit score.
Cons
- Cardholders are required to make a minimum refundable security deposit of $200.
- The card’s low initial credit limit may make it difficult to keep utilization under 30 percent.
- The card charges a high ongoing APR if you carry a balance, as compared to other cards available on the market.
Expert Advice
The Capital One Quicksilver Secured Credit Card allows users to build credit with a secured credit card. It is ideal for individuals who want to earn rewards and avoid fees while improving a limited credit history or recovering from a bad credit score.
6. Capital One Savor Rewards for Good Credit
Capital One Savor Rewards for Good Credit is a credit card best suited for entertainment lovers and foodies, who are looking to earn cash rewards. The card allows users to earn cashback on various categories, such as streaming, grocery stores, dining, etc.
Cash Back on Dining and Entertainment
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Good
- Intro APR – N/A
- Regular APR – 29.74%.
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign-up Bonus – N/A
- Best For – Food enthusiast, Everyday spenders
Capital One Savor Cash for Good 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 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 | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services | Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel |
| No foreign transaction fee | 1% cash back on all other purchases | $0 Fraud Liability |
| Access to Capital One travel | Earn 8% cash back on Capital One Entertainment purchases | Complimentary Concierge Service |
| Redeem your rewards with PayPal | – | Extended Warranty |
| Use rewards at Amazon.com | – | Travel Accident Insurance |
| Capital One Mobile App | – | 24-hour Travel Assistance Services |
| 50% off Handcrafted Beverages | – | Instant Purchase Notifications |
| – | – | Account Alerts from Eno |
Pros & Cons:
Pros
- Cashback rewards are easy to redeem with no expiration dates.
- The card is best for international students or travelers who frequently make purchases abroad, as it has no foreign transaction fee.
- Capital One offers credit limit increases with responsible usage.
Cons
- You will earn the standard Savor grocery store, dining, and entertainment rewards, but will not get any of the sign up bonus cash.
- The focus of the highest rewards is on dining and entertainment, which may not benefit those who spend more on gas.
- The high APR will make carrying a balance costly due to its above-average interest rate.
Expert Advice
The Capital One Savor Cash Rewards for Good Credit is a perfect option if your primary spending categories are dining, groceries, and entertainment. However, if you have excellent credit or are looking for more earning flexibility, then you can use the Savor Rewards Credit Card.
7. Capital One Savor Rewards for Students
Capital One Savor Rewards for Students Credit Card is a credit designed exclusively for students, so that they can earn unlimited cashback on dining, entertainment, popular streaming and at grocery stores.
Cashback on Dining and Entertainment
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Fair
- Intro APR – N/A
- Regular APR – 19.24%, 25.24% or 29.24%
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign-up Bonus – Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening.
- Best For – Students
The Capital One Savor Rewards for Students is a student credit card that offers 3% cash back on dining, entertainment, streaming services, and grocery store purchases (excluding superstores). You will also earn 1% cash back on all other purchases. This card is ideal for students who enjoy eating out, streaming their favorite shows, or participating in social events.
With no annual fee, it is a budget-friendly option for students. To qualify, applicants need a fair credit score of 580 or higher. Capital One also provides opportunities for credit limit increases with responsible usage. Additional benefits include complimentary travel accident insurance and extended warranty protection on eligible purchases.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn unlimited 3% cash back on dining & entertainment | Complimentary Concierge Services |
| No foreign transaction | Earn 1% on all other purchases | Extended Warranty on eligible items |
| Rewards don’t expire | – | Instant Purchase Notifications |
| Exclusivity for students | – | $0 Fraud Liability |
| Travel Accident Insurance | – | Lock your card in the Capital One Mobile app |
| Capital One Shopping | – | Build credit with responsible use |
| Capital One Entertainment | – | – |
| Capital One Dining | – | – |
Pros & Cons:
Pros
- The card does not impose annual or foreign transaction fees, making it an ideal starter card for those studying abroad.
- Cardholders won’t need to activate any categories or worry about spending limits with this card.
- This card features popular bonus categories typical for student cards, making it a great option for earning cash back.
Cons
- The card has a high annual percentage rate (APR) for a student card as compared to the other cards in the market.
- There are no introductory APR offers for purchases or balance transfers, which means you could start accruing interest immediately if you don’t pay off your balance in full each billing period.
Expert Advice
Capital One Savor Rewards for Students Credit Card is a card launched for students so that they can enjoy the cash back benefit at grocery stores, dining, entertainment and popular streaming. With responsible use, students can build their credit score and earn rewards.
8. Capital One Quicksilver Rewards for Students
Capital One Quicksilver Rewards for Students credit card is designed for students , in order to help them in improving or building their credit history. College students can earn cashback on an everyday basis on all purchases.
Cashback on Dining and Entertainment
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Fair
- Intro APR – N/A
- Regular APR – 19.24%, 25.24% or 29.24%,
- Annual Fee – $0
- International Transaction Fee – None
- Cash Advance Fee – Either $5 or 5% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign-up Bonus – Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
- Best For – Students
The Capital One Quicksilver Rewards for Students is a cash back credit card designed specifically for students. It offers unlimited 1.5% cash back on every purchase, with no categories to track. This makes it an excellent choice for students who want simple and consistent rewards on their everyday spending.
The card has no annual fee and requires a fair credit score (580 or higher). Capital One also conducts automatic credit line reviews, which may provide opportunities for increases over time. Additional benefits include travel accident insurance, extended warranty protection, and no foreign transaction fees, making it a great option for travelers.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No annual fee | Earn unlimited 1.5% cash back on every purchase, every day | 24-hour Travel Assistance Services |
| Exclusively for Students | Enjoy 5% cash back on Capital One Entertainment purchases. | Instant Purchase Notifications |
| No Foreign Transaction Fees | – | $0 Fraud Liability |
| Capital One Entertainment | – | Travel Accident Insurance |
| Capital One Dining | – | 24/7 Customer Service |
| Capital One Mobile App | – | – |
Pros & Cons:
Pros
- The card has fewer fees compared to others, as there are no annual fees or foreign transaction fees.
- This card offers a rewards structure similar to the full Capital One Quicksilver card but is designed for students with fair credit or limited credit history.
Cons
- The flat rewards rate may not be the most beneficial for students who spend in bonus categories.
- This card does not offer an introductory APR, meaning you won’t receive any interest relief if you carry a balance.
Expert Advice
The Capital One Quicksilver Student Cash Rewards card is perfect for college students with limited credit histories. It features a competitive flat cash back rate, no annual fee, and strong benefits compared to similar cards.
Comparison Table:
| Card Name | Capital One QuicksilverOne Rewards Credit Card | Capital One Quicksilver Rewards Credit Card | Capital One Savor Rewards Credit Card | Capital One Quicksilver Rewards for Good Credit | Capital One Quicksilver Secured Cash Rewards Credit Card | Capital One Savor Rewards for Good Credit | Capital One Savor Rewards for Students | Capital One Quicksilver Rewards for Students |
|---|---|---|---|---|---|---|---|---|
| Issuer | Capital One | Capital One | Capital One | Capital One | Capital One | Capital One | Capital One | Capital One |
| Payment Gateway | MasterCard | MasterCard | MasterCard | MasterCard | MasterCard | MasterCard | MasterCard | MasterCard |
| Credit Score | Fair | Excellent | Excellent | Good | Fair | Good | Fair | Fair |
| Annual Fee | $39 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sign-up Bonus | Earn a $200 bonus if you spend $500 within 3 months of account opening | Earn a $200 bonus if you spend $500 within 3 months of account opening | Earn a $200 bonus if you spend $500 within 3 months of account opening | None | None | N/A | Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening | Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening |
| Reward Rate | Unlimited 1.5% cashback on every purchase | Unlimited 1.5% cashback on every purchase, 5% cashback on hotels and rented cards | Unlimited 3% cashback on food and fun, 5% cashback on hotel, rental cards, 1% on other purchases | Unlimited 1.5% cashback on every purchase and 5% cashback on hotel, rental cards | Earn 1.5% cash back on every purchase with a refundable $ 200 minimum deposit | Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services , 1% cash back on all other purchases, and 8% cash back on Capital One Entertainment purchases | Earn unlimited 3% cash back on dining & entertainment, and earn 1% on all other purchases | Earn unlimited 1.5% cash back on every purchase, every day, Enjoy 5% cash back on Capital One Entertainment purchases |
| Foreign Transaction Fees | None | None | None | None | None | None | None | None |
| Intro APR | 0% for 15 months | 0% for 15 months | 0% for 15 months | N/A | N/A | N/A | N/A | N/A |
| Regular APR | 29.74% | 19.24% – 29.24% variable APR | 19.24% – 29.24% variable APR | 29.74% variable APR | 29.74% | 29.74% | 19.24%, 25.24%, or 29.24% | 19.24%, 25.24%, or 29.24% |
| Best For | Regular Shopper / Household, Military Personnel, Student | Everyday users, Professionals | Frequent restaurant diner, Grocery shopper, Amusement fans | Everyday users / shoppers, Students, Frequent travelers | Individuals with low credit scores., Everyday users/ Household, Students | Food Enthusiasts, Everyday spenders | Students | Students |
| Decision Criteria | It offers decent rewards on all transactions and a reasonable introductory APR. | There is no annual fee, significant rewards on all purchases. | Ideal for meals and entertainment but not suitable for ordinary internet shopping. | It has a solid cashback rate but no welcome bonus or introductory APR. | Good for credit building, but a security deposit is required, and there is no sign-up incentive. | High incentives for leisure and eating, but not suitable for ordinary internet shopping. | Good for students who eat out frequently, but it’s not ideal for cashback on internet purchases. | Best for students seeking easy cashback on all purchases with no yearly fee. |
Methodology
While selecting a credit card for cashback rewards, a consumer should consider several factors, such as cashback rates, reward programs, merchant acceptance, and spending limits. To find the best grocery credit cards, look for those cards with high cashback on supermarket purchases, bonus rewards on essentials, and flexible redemption options.
Applicants should look for 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 factors to determine whether it matches one’s spending habits and financial goals.
- 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.
- 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 upgraded rewards.
- 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.
- Required Credit Scores:
- Excellent Credit: Savor and Quicksilver tend to be for people with very excessive, outstanding 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 helping you improve your credit.
- Flexibility in Redemption: Some interesting Capital One cards allow cashback redemption against statement credit, gift card, or travel fee, giving the holder flexibility.
- Bonus: Some are known as foreign transaction fees. Many Capital One 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.
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.
Does Capital One offer Credit Cards for Cashback?
Yes, Capital One has offered several cash-back credit cards that fulfill all spending habits.
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. Cashback rewards can be redeemed for entertainment credits, hotel payments, or travel accommodations.
Advantages of Capital One Credit Cards for Cashback
- Credit Building Options: Capital One offers secured and fair credit cards with cashback blessings.
- Flexible Redemption Options: Redeem your cashback as a statement credit, direct deposit, gift card, or for purchases on Amazon or PayPal.
- Bonus Offers for New Cardholders: Capital One often provides welcome bonuses, such as $200 cashback, after customers meet the minimum spending requirements within the first few months.
- No Expiry on Rewards: Cashback earned on Capital One cards does not expire as long as the account remains active and in good standing.
- No Annual Fees on Many Cards: Top cashback cards, such as Capital One Quicksilver and SavorOne, have no annual fee, enabling you to earn rewards without incurring additional costs.
- Unlimited Cashback: Many Capital One credit cards provide unlimited cashback rewards, so you can earn without worrying about limits.
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 Capital One card to get is the Venture X, which is both a travel reward and a premium cashback card. The Capital One Savor is also challenging to afford, as it is considered a top-tier cashback 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 multiple Capital One credit cards, but there is a limit known as the 2/3/4 rule.
This rule allows you to apply for:
- Two cards within 30 days,
- Three cards within 12 months, and
- Four cards within 24 months.
Can I redeem my rewards for something other than cashback?
You can redeem your rewards for travel purchases, gift cards, or account credits, which offers you greater flexibility than just cash.
Is Cash Back From a Credit Card Taxable?
Cash back from credit cards is a rebate and generally not considered taxable income.