Capital One offers a series of credit cards designed to enhance your online shopping experience. Whether you buy from your favorite online retailers, order food, or stream your favorite ingredients, choosing the right Capital One credit card can earn you valuable cashback rewards.
From the normal cashback card providing high prizes for specific spending categories such as entertainment and dining to the Capital One card offering options to fit every purchasing habit, Capital One has a card to suit every need. In this article, we will review the most popular Capital One card for cashback and online shopping, helping you find the best card to maximize your awards and increase your online shopping experience.
Summary Table (TLDR)
Top 8 Capital One Credit Cards for Online Shopping and Cashback [2025]
| S. N. | Name of Reward Credit Card | Best Feature |
|---|---|---|
| 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 SavorOne Cash Rewards | 3% cash back on all purchases |
| 4. | Capital One Savor Cash Reward | 4% cash back on dining and restaurant |
| 5. | Capital One Venture Rewards Credit Card | Minimum 2x miles on every purchase and 5x miles on hotels and rental cars |
| 6. | Capital One Venture X Rewards Credit Card | 2x miles on every purchase and 10x miles on hotels and rental cars |
| 7. | Capital One Journey Student Reward | 1% cash back on every purchase and an additional 0.25% bonus for paying on time |
| 8. | Capital One Walmart Rewards® Card | 5% cash back on all purchases of Walmart.com |
Best Capital One Credit Cards for Online Shopping and Cashback for [March 2025]
1. Capital One QuicksilverOne Cash Rewards Credit Card
This card is ideal for fair-credit consumers, offering unlimited 1.5% cash back on purchases. With timely payments and proper usage, users can establish a credit score over time and qualify for better credit cards with lower fees and better rewards.
Online Shopping & 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.
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:
- 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 of 3% of the amount
Pros & Cons of Capital One QuicksilverOne Cash Rewards Credit Card
| Pros | Cons |
|---|---|
| Simple cashback on all purchases | Higher APR |
| No annual fee | Requires fair credit |
| Flexible redemption options | – |
Expert Advice:
As this card has an annual fee, maximize its benefits by using it for everyday purchases. Maintain low utilization and pay the full balance every month to avoid interest charges and build a good credit history.
2. Capital One Quicksilver Cash Rewards Credit Card
This card is ideal for good-to-excellent credit consumers, building and growing credit scores with good spending. With unlimited 1.5% cash back and no annual fee, it benefits credit building while rewarding high-frequency spending.
Online Shopping & 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
| Pros | Cons |
|---|---|
| 1.5% cash back on all purchases | No bonus categories |
| No annual fee | No sign-up bonus |
| Great for everyday purchases | – |
Expert Advice:
Utilize this card judiciously for frequent spending while maintaining low balances. Paying the full statement balance monthly builds credit while ensuring continued access to premium financial products.
3. Capital One SavorOne Cash Rewards Credit Card
This card rewards restaurant, entertainment, and grocery store purchases, making it an ideal option for credit users who make responsible purchases. Timely payments regularly improve credit scores while cashing in on cash back.
[Feature] Online Shopping & 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
Reward Rate:
- 3% 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 SavorOne Cash Rewards Credit Card
| Pros | Cons |
|---|---|
| High cashback on dining and entertainment | Lower cashback in other categories |
| No annual fee | May require good credit |
| Great for food and entertainment lovers | – |
Expert Advice:
To maximize rewards, apply this card to eligible spending categories, but avoid overspending to gain cashback. Paying the balance in full monthly will build credit while avoiding unwanted interest charges.
4. Capital One Savor Cash Rewards Credit Card
Designed for individuals with excellent credit, the card provides excellent cash-back rewards for dining, entertainment, and streaming. Full payments of bills on time and mindful spending result in long-term credit score stability.
Online Shopping & 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.
With no annual fee and a 0% intro APR for 15 months, the Savor card 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
| Pros | Cons |
|---|---|
| 4% cash back on dining and entertainment | Limited rewards in non-dining categories |
| No annual fee | Requires good credit |
| Great for lifestyle spenders | – |
Expert Advice:
Use the card only for well-planned spending and pay in full. Low credit utilization will increase your credit score and keep premium reward programs accessible.
5. Capital One Venture Rewards Credit Card
Through travel rewards, this card helps consumers build good credit scores through usage. Early payment of bills ensures good reporting of credit, which opens doors to better financial opportunities in the long term.
Online Shopping
| 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. 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:
- Earn unlimited miles
- Transfer miles to travel partners
- No Foreign Transaction Fees
Reward Rate:
- 2x miles per dollar on every purchase
Other Information:
- Cash Advance Fee 5% or $10, whichever is greater
Pros & Cons of Capital One Venture Rewards Credit Card
| Pros | Cons |
|---|---|
| 2x miles on all purchases | High APR |
| 5x miles on travel bookings | Annual fee |
| Ideal for travelers | – |
Expert Advice:
Maximize travel rewards by purchasing flights and hotels using the card and paying bills in full monthly. Low credit utilization and aversion to unnecessary loans will help maintain long-term credit health.
6. Capital One Venture X Reward Credit Card
This luxury travel card is designed for individuals with good credit. Mindful spending and prompt payments ensure preserving and improving credit scores while maximizing travel rewards.
Online Shopping
| Issuer | Capital One |
| Payment Gateway | Visa |
| Credit Score | Excellent |
| Intro APR | 0% for 12 Months |
| Regular APR | 19.24%-26.24% Variable |
| Sign In Bonus | 75,000 miles after spending $4,000 in the first 3 months |
| Balance Transfer | 19.24%-26.24% Variable |
| Best For | High Spenders, Frequent Travelers |
The Capital One Venture X Rewards Credit Card is a luxury travel card offering 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights, and 2x on everything else. Issued by Capital One, it is designed for frequent travelers who want premium benefits, including Priority Pass lounge access and up to $300 annual travel credits.
This card comes with a $395 annual fee but provides more than enough benefits to offset the cost, including 10,000-anniversary bonus miles each year. A credit score of 740+ is typically required for approval. It features a generous sign-up bonus, no foreign transaction fees, and complimentary Hertz President’s Circle status. Additionally, cardholders can earn referral bonuses by inviting others to apply for the card.
Key Features:
- Complimentary lounge access
- Annual $300 travel credit
- Cash Advance Fee 5% or $10, whichever is greater
Reward Rate:
- 10x miles on hotels & rental cars, 5x miles on flights
Other Information:
- No Foreign Transaction Fees
Pros & Cons of Capital One Venture X Reward Credit Card
| Pros | Cons |
|---|---|
| 2x miles on purchases | High annual fee |
| 10x miles on travel bookings | Requires excellent credit |
| Premium travel benefits | – |
Expert Advice:
Since this card has a high annual fee, maximize its travel benefits. Clear your balance each month to maintain a good credit profile and take advantage of its statement credits and lounge access features.
7. Capital One Journey Student Rewards
This student-oriented card is designed to help young adults build credit through rewarding timely payments. It encourages responsible use of credit while offering cash-back rewards on everyday expenses.
Online Shopping & 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
| Pros | Cons |
|---|---|
| 1% cashback with bonus for timely payments | Low cashback rate |
| No annual fee | Limited to students |
| Great for building credit | – |
Expert Advice:
Use this card for essential purchases, like groceries and textbooks, and make full monthly payments. On-time payments will continue to enhance your credit score, allowing you to qualify for better financial products in the future.
8. Capital One Walmart Rewards® Card
If you shop a lot at Walmart, you will love this card as it assures 5% cashback on all purchases from Walmart. This card is an excellent choice for heavy Walmart shoppers, with high rewards on purchases and credit-building features.
[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 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:
- Cashback 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
| Pros | Cons |
|---|---|
| 5% cashback on Walmart.com purchases | Limited to Walmart purchases |
| No annual fee | High APR for non-Walmart purchases |
| Great for frequent Walmart shoppers | – |
Expert Advice:
Use this card for Walmart purchases to maximize cash-back rewards, but not excessively. Pay your balance in full every month to keep your credit profile and avoid interest charges from negating your rewards.
Comparison Table
| No. | Name of the Card | Payment Gateway | Best For | Credit Score | Annual Fee | Annual Percentage Rate (Intro APR) | Balance Transfer Fee | Sign In Bonus | Decision Criteria |
| 1 | Capital One QuicksilverOne Cash Rewards Credit Card | MasterCard | Regular/Household Shopper | Fair to Good (640-699) | $39 | 0% for 15 months | 3% (Introductory Fee) | $200 | Cashback on all purchases, no annual fee, good for first-time users |
| 2 | Capital One Quicksilver Cash Rewards Credit Card | MasterCard | Regular/Household Shopper | Good to Excellent (700+) | $0 | 0% for 15 months | 3% (Introductory Fee) | $200 | No annual fee, flexible rewards redemption |
| 3 | Capital One SavorOne Cash Rewards Credit Card | MasterCard | Household/Entertainment/Streaming Shopper | Good to Excellent (700+) | $0 | 0% for 15 months | 3% (Introductory Fee) | $200 | 3% cashback on dining, entertainment, and streaming services |
| 4 | Capital One Savor Cash Rewards Credit Card | MasterCard | Entertainment/Dining Shopper | Good to Excellent (700+) | $0 | 0% for 15 months | 3% (Introductory Fee) | $300 | 4% cashback on dining and entertainment, no annual fee |
| 5 | Capital One Venture Rewards Credit Card | Visa | Travel Enthusiast | Excellent (750+) | $95 | 0% for 12 months | 3% (Introductory Fee) | 75,000 miles | Great for travel rewards, flexible redemption options |
| 6 | Capital One Venture X Rewards Credit Card | Visa | Luxury Travelers | Excellent (750+) | $395 | 0% for 12 months | 3% (Introductory Fee) | 100,000 miles | Premium benefits, high rewards for travel |
| 7 | Capital One Journey Student Rewards | MasterCard | Students | Fair (650+) | $0 | 0% for 6 months | 3% (Introductory Fee) | $75 | Great for students with no annual fee |
| 8 | Capital One Walmart Rewards® Card | MasterCard | Walmart Shoppers | Good to Excellent (700+) | $0 | 0% for 12 months | 3% (Introductory Fee) | $150 | 5% cashback on Walmart purchases, no annual fee |
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:
- Cashback Rates: 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.
- Rewards Flexibility: 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.
- Online Shopping Benefits: Many Capital One cards offer advantages tailored to online consumers, such as easy access to virtual wallets, purchase safety, and extended warranties.
- Annual Fees & Interest Rates: 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.
- Sign-Up Bonuses: 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.