Capital One provides credit cards that maximize rewards on online shopping, dining, and entertainment, with options to fit a variety of spending habits.
Summary Table (TLDR)
Top 5 Capital One Credit Cards for Online Shopping and Cashback [2025]
| Serial Number | Name of Capital One credit card for online shopping and cashback | Best known for and value |
|---|---|---|
| 1. | Capital One QuicksilverOne Cash Rewards | 1.5% cash back on all purchases |
| 2. | Capital One Quicksilver Cash Rewards | 1.5% cash back on all purchases |
| 3. | Capital One Savor Cash Reward | 4% cash back on dining and restaurants |
| 4. | Capital One Venture Rewards Credit Card | Minimum 2x miles on every purchase and 5x miles on hotels and rental cars |
| 5. | Capital One Venture X Rewards Credit Card | 2x miles on every purchase and 10x miles on hotels and rental cars |
Best Capital One Credit Cards for Online Shopping and Cashback for [March 2025]
1. Capital One QuicksilverOne Cash Rewards
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 Purchases
- 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 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.
With a variable APR of 29.74% and no annual fee, the card 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 | 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 your account through the 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 rentals, hotels, flights, etc.
Cons
- The standard APR is quite high 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 Cash Rewards
The Capital One Quicksilver Cash Rewards Credit Card is a straightforward cash-back credit card that provides 1.5% cash back on all purchases, every day.
Cash Back, No Annual Fee
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Good-Excellent
- Intro APR – 0% for 15 months
- Regular APR – 19.24%-29.24% Variable
- Annual Fee – $0
- International Transaction Fee – 0%
- Cash Advance Fee – 5% or $10, whichever is greater
- Balance Transfer APR – 19.24%-29.24% Variable
- Sign In Bonus – $200 after spending $500 in the first 3 months
- 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 | Reward Rate | Other Information |
|---|---|---|
| Rewards don’t expire for the life of the account | Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel | Spend your rewards on gift cards |
| Set up Autopay for your account | Unlimited 1.5% cash back on every purchase, every day | Manage your account anywhere, anytime with Capital One Mobile App |
| You can apply rewards as a statement credi | – | Transfer your higher-rate balances onto a Capital One card |
| Apply your cash back to cover a recent purchase directly | – | Add an authorized user to your account and track spending by user |
| Complimentary Concierge Service | – | Instant Purchase Notifications |
| Full access to Capital One Dining | – | Travel Accident Insurance |
| Full access to Capital One Entertainment | – | Card Lock |
| Full access to Capital One Travel | – | Virtual Card Numbers from Eno |
| Full access to Capital One Shopping | – | MasterRental® coverage |
| Redeem Your Rewards with PayPal | – | Master RoadAssist® service |
| 24-hour Travel Assistance Services | – | Price protection |
| $0 Fraud Liability | – | – |
| Get alerts when your TransUnion® or Experian® credit report changes.24/7 Customer Service | – | – |
| Extended Warranty | – | – |
| 24/7 Customer Service | – | – |
Pros & Cons:
Pros
- Unlimited cash back on all purchases
- No annual fee
- Cash back doesn’t expire.
Cons
- Limited card perks and benefits
- Other cards offer more potential and upside when it comes to redeeming cash back.
Expert Advice
The Capital One Quicksilver Cash Rewards Credit Card is a reliable cash-back card with no annual fee. It’s ideal for cardholders who want to earn cash back but don’t want to deal with the complexities of optimizing rewards. While rival credit cards offer higher benefits, the Capital One Quicksilver Cash benefits Credit Card earns 1.5% Cash Back on every transaction, every day, with no quarterly bonuses to activate or bonus categories to memorize. This card is also suitable for consumers who wish to pay off credit card balances or finance purchases for a little over a year since it features a 0% intro on purchases for 15 months and an APR ranging from 19.24% to 29.24% (variable).
3. Capital One Savor Cash Rewards
Capital One Savor Rewards Credit Card is a credit card that offers great cashback on grocery stores, 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
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 Savor 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 high; we suggest that applicants have good credit fee.
- 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. However, the balance transfer fee is quite high compared to other cards.
4. Capital One Venture Rewards
The Capital One Venture earns an unlimited 2X miles on every expense, which makes it an excellent choice if you’re an infrequent traveler who can’t fully benefit from a high rewards rate on travel purchases.
Travel Rewards
- Issuer – Capital One
- Payment Gateway – MasterCard
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 20.99% -28.99 % Variable
- Annual Fee – $95
- International Transaction Fee – 0%
- Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
- Balance Transfer APR – N/A
- Sign In Bonus – Earn 75,000 bonus miles once you spend $4,000 within the first 3 months from account opening.
- Best For – Travelers
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. A good-to-excellent credit score (700+) is required for approval. 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 | Reward Rate | Other Information |
|---|---|---|
| No foreign transaction fees and no blackout dates | 5X miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel | Trip Cancellation/Interruption Coverage |
| Up to $120 Global Entry or TSA PreCheck credit | 2X miles per dollar on all other purchases | Lost or Damaged Luggage |
| $50 Lifestyle Collection credit | – | MasterRental Insurance |
| Capital One Eno assistant | – | Get Security Alerts |
| Flexible redemption | – | Lock your card |
| Receive a $50 experience credit on every Lifestyle Collection stay. | – | Add an authorized user |
| Hertz® Five Star status | – | – |
| Access dining reservations, concerts, sporting events, and more. | – | – |
| Get 24-hour travel assistance | – | – |
| Save with Capital One shopping | – | – |
| Extended Warranty | – | – |
| Access Capital One offers | – | – |
| Access Exclusive events | – | – |
| Pick your due date | – | – |
| $0 Fraud Liability | – | – |
| Monitor your credit score with CreditWise, TransUnion, and Experian | – | – |
Pros & Cons:
Pros
- The card earns unlimited flat-rate travel miles on all transactions, making it an easy choice as a solo card.
- It’s an excellent choice for international purchases because it doesn’t charge foreign transaction fees.
- It provides a robust set of advantages and various redemption choices.
Cons
- Unlike the Capital One Venture X Rewards Credit Card, the annual fee cannot be reduced with yearly travel credits or bonus miles.
- Miles are worth 1 cent or less unless you use certain airline transfer programs, which may limit your overall earning potential.
- Other cards with more diverse bonus categories provide additional opportunities for earning rewards.
Expert Advice
The Capital One Venture Rewards Credit Card is useful if you like basic flat-rate rewards or do not spend enough money on travel to justify a bonus category card or a high annual fee premium travel card. However, the points and bonuses are not as impressive as the specialized features of a card such as the Chase Sapphire Preferred. And spend more than $300 per year on Capital One travel bookings. It is worthwhile to upgrade to Venture X because of the additional features and rewards potential, which easily balance the increased annual charge.
5. Capital One Venture X Reward
The Capital One Venture X Rewards Credit Card offers a range of enticing travel rewards, which makes it an excellent choice for frequent travelers, budget-conscious adventurers, and high spenders alike. With features such as a $300 annual travel credit for Capital One bookings and the ability to earn multiple miles on hotel stays, car rentals, and other travel expenses, this card truly enhances your travel experience.
Travel Rewards, Lounge Access
- Issuer – Capital One
- Payment Gateway – Visa
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 19.24%-26.24% Variable
- Annual Fee – $395
- International Transaction Fee – 0%
- Cash Advance Fee – Either $10 or 3% of the amount of each cash advance, whichever is greater
- Balance Transfer APR – 19.24%-26.24% Variable
- Sign In Bonus – 75,000 miles after spending $4,000 in the first 3 months
- Best For – Frequent Travelers, Budget Travelers, High Spenders
The Capital One Venture X Rewards Credit Card is one of the most exquisite overall travel credit cards. It has a great introductory bonus, and cardholders may earn lots of miles on ordinary purchases, as well as a 10,000-mile anniversary reward.
It has a $395 annual fee, but cardholders receive a $300 yearly credit against travel booked through Capital One Travel each year, as well as additional key features such as access to Priority Pass lounges and Capital One’s own developing network of airport lounges.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Unlimited access for you and 2 guests to 1,300+ lounges worldwide from Priority Pass™. | 10X Miles on hotels & rental cars booked through Capital One Travel | Cell Phone Protection |
| Complimentary access to Capital One Lounge locations and our in-airport culinary experience, Capital One Landing. | 5X Miles on flights and vacation rentals booked through Capital One Travel | Referrals Bonus |
| Hertz President’s Circle® status | 2X Miles on all other purchases, every day. | Free Additional Users for Holders |
| Capital One Dining | – | Auto rental collision coverage |
| Capital One Entertainment | – | – |
| Complimentary PRIOR Subscription | – | – |
| Miles Don’t Expire & No Blackout Dates | – | – |
| Miles Redemption | – | – |
| Discounted membership to The Cultivist. | – | – |
Pros & Cons:
Pros
- Offers 10,000 bonus miles (equal to $100 towards travel) every year
- Flat-rate rewards offer consistent value for businesses
- Best sign-up bonuses for a business card
- No international transaction charges.
Cons
- Limited ways to earn bonus miles
- No bonuses provided other than travel
- Charges high interest rates.
Expert Advice
The Capital One Venture X Rewards Credit Card program provides exceptional rewards and benefits at a reasonable cost. Despite the expensive annual price, features like lounge access and travel credits make it an excellent option for business travelers. However, the generous sign-up bonus necessitates large spending, and the card does not enable you to carry a balance. Still, if you pay in full each cycle, it’s a great option for accumulating credits and receiving premium travel benefits.
Comparison Table
| Name of the Card | Capital One QuicksilverOne Cash Rewards Credit Card | Capital One Quicksilver Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card | Capital One Venture Rewards Credit Card | Capital One Venture X Rewards Credit Card |
|---|---|---|---|---|---|
| Payment Gateway | MasterCard | MasterCard | MasterCard | Visa | Visa |
| Best For | Regular/Household Shopper | Regular/Household Shopper | Entertainment/Dining Shopper | Travel Enthusiast | Luxury Travelers |
| Credit Score | Fair to Good | Good to Excellent | Good to Excellent | Excellent | Good to Excellent |
| Annual Fee | $39 | $0 | $0 | $95 | $395 |
| Annual Percentage Rate (Intro APR | 0% for 15 months | 0% for 15 months | 0% for 15 months | 0% for 12 months | 0% for 12 months |
| Regular APR | 14.99% – 24.99% | 18.24% to 29.24% variable APR | 19.24% – 29.24% variable APR | 19.24% – 29.24% (Variable) | 19.99% – 29.24% variable |
| Balance Transfer APR | 14.99% – 24.99% | 18.24% to 29.24% variable APR | 19.24% – 29.24% variable APR | 19.24% – 29.24% (Variable) | 19.99% – 29.24% variable |
| Sign In Bonus | $200 | $200 | $300 | 75,000 miles | 100,000 miles |
| Decision Criteria | Cashback on all purchases, no annual fee, good for first-time users | No annual fee, flexible rewards redemption | 4% cashback on dining and entertainment, no annual fee | Great for travel rewards, flexible redemption options | Premium benefits, high rewards for travel |
Methodology
To identify the most effective Capital One credit card for online shopping and cashback, we evaluated factors such as cashback percentage, online shopping allowances, prize programs, and cardholder benefits. Our function involves reviewing eligibility criteria, fees, interest rates, and cardholder experiences.
We focused on cards that provide important awards for online purchases, no annual fee (or low fee), and flexibility in cashback. Each card was analyzed to maximize cashback prizes in online shopping and to provide long-term value to users.
Choosing the Best Capital One Credit Cards for Online Shopping and Cashback
When choosing a Capital One credit card for online shopping and cashback, numerous criteria are essential to keep in mind:
Look for credit cards that offer high cashback percentages on online purchases, especially those with categories like 2% or three% cashback for online shops and virtual stores.
A key issue in maximizing cashback is flexibility in how rewards are redeemed. Capital One credit cards usually allow rewards to be redeemed for declaration credit, gift cards, or maybe online shopping credits at famous stores.
Many Capital One cards offer advantages tailored to online consumers, such as easy access to virtual wallets, purchase safety, and extended warranties.
Some credit cards include no annual prices, even as others may additionally offer more features at a higher annual fee. Consider the long-term price and what kind of you’re in all likelihood to use the card.
Some Capital One cards provide welcome bonuses, which could significantly enhance your rewards, especially for initial online spending.
Why Do you Need a Credit Card for Online Shopping and Cashback?
A credit card for online shopping and cashback offers numerous advantages. First, it lets you earn cashback or rewards on normal purchases, specifically for items sold from online retailers. This helps you accumulate rewards, which may be redeemed for declaration credit, reductions, or gift cards. Additionally, credit cards used for online shopping regularly come with purchase safety, ensuring that objects purchased online are covered in case of harm or fraud.
Does Capital One offer Credit Cards for Online Shopping and Cashback?
Yes, Capital One offers several credit cards designed to maximize cashback for online shopping. Cards like the Capital One QuicksilverOne Cash Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card are well-known for providing excessive cashback rates for on line purchases.
These credit cards often provide 1.5% to 3% cashback on eligible purchases, such as those made online. Additionally, many Capital One credit cards function as digital wallet assists, making them perfect for online purchasing on cell platforms.
How Do Capital One Credit Cards Help in Online Shopping and Cash Back?
Capital One credit cards facilitate online shopping and cashback by offering rewards on purchases made at online outlets. They also offer bonus categories that reward cardholders for particular buying behaviors. For example, credit cards like Capital One SavorOne offer cashback on dining and leisure, which is beneficial for people who order meals online or for travel enjoyment.
Additionally, Capital One credit cards may offer purchase protection, which covers eligible purchases in the event of harm or robbery. Many of those credit cards also have 0 fraud liability, ensuring that fraudulent transactions are covered. Overall, Capital One credit cards reward users for spending and offer capabilities that enhance the net buying experience.
Advantages of Capital One Credit Cards for Online Shopping
Capital One credit cards offer several key advantages that lead them to be best for online shopping and income cashback:
- High Cashback Rates: Capital One cards like the QuicksilverOne and SavorOne provide 1.5% to 3% cashback on various online purchases, including groceries, leisure, and retail items.
- No Annual Fees: Many Capital One cashback cards come with no annual expenses, making them handy to a wide variety of customers without more value.
- Purchase Protection: Capital One offers purchase protection to online consumers, ensuring that eligible items are protected if they are misplaced, damaged, or stolen.
- Flexible Redemption Options: You can redeem your cashback for a declaration credit score, reward purchase, or use it for purchases at chosen online retailers, offering flexibility.
- Digital Wallet Integration: Capital One credit cards are compatible with Apple Pay, Google Pay, and other digital wallets, which can be handy for immediate and steady online shopping.
FAQs!
How many Capital One credit cards can you have?
You can have a couple of Capital One credit cards. Each credit card application is the problem for approval based on your creditworthiness and economic situation.
What are the best Capital One cards for cash back?
Some of the excellent Capital One cards for cashback encompass:
- Capital One QuicksilverOne Cash Rewards Credit Card: Offers 1.5% cashback on each buy, consisting of online buying.
- Capital One SavorOne Cash Rewards Credit Card: Provides 3% cashback on eating, enjoyment, and popular streaming offerings, making it ideal for online streaming and food delivery.
- Capital One Quicksilver Cash Rewards Credit Card: This card offers 1.5% cashback on each purchase and no annual fee, making it an outstanding alternative for fashionable cashback income.
Which Capital One credit card is best for online spending?
The Capital One QuicksilverOne Cash Rewards Credit Card is incredible for online spending because it offers 1.5% cashback on all purchases, making it flexible for shopping on various online systems. Additionally, the Capital One SavorOne Cash Rewards Credit Card offers 3% cash back on dining, amusement, and streaming, which can also be beneficial for online purchasing in those categories.
Do Capital One Credit Card Rewards expire?
No, Capital One cashback rewards normally do not expire as long as your account remains open and in good standing. However, if your account is closed or you fail to make payments, you can lose any unredeemed rewards.
What is the hardest Capital One card to get?
The Capital One Venture X Rewards Credit Card is regularly considered one of the toughest Capital One Credit Cards to get due to its higher eligibility requirements. This card requires an excellent to outstanding credit score and is usually presented to people with sturdy credit records.
Which Capital One card should you get as a first-time user?
For a first-time person, the Capital One QuicksilverOne Cash Rewards Credit Card is an excellent preference. It gives 1.5% cashback on each purchase and is available to individuals with honest to right credit. It also has no rotating categories or annual price, making it easy to manage for freshmen to credit cards.