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Log in to your Discover Card account securely. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day. Sign in or enroll to access Capital One online banking for credit card or bank products. Use your User ID and Password to sign in on desktop or mobile devices. Log in Enroll Today. With H‑D™ Visa®, you can pay your bills and redeem points in whatever way works best for you. Whether you love talking on the phone.

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Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

Источник: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY

Best Capital One credit cards for December 2021

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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

Источник: https://www.bankrate.com/finance/credit-cards/capital-one/

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CFPB Probe into Capital One Credit Card Marketing Results in $140 Million Consumer Refund

WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) announced its first public enforcement action with an order requiring Capital One Bank (U.S.A.), N.A. to refund approximately $140 million to two million customers and pay an additional $25 million penalty. This action results from a CFPB examination that identified deceptive marketing tactics used by Capital One’s vendors to pressure or mislead consumers into paying for “add-on products” such as payment protection and credit monitoring when they activated their credit cards.

“Today’s action puts $140 million back in the pockets of two million Capital One customers who were pressured or misled into buying credit card products they didn’t understand, didn’t want, or in some cases, couldn’t even use,” said CFPB Director Richard Cordray. “We are putting companies on notice that these deceptive practices are against the law and will not be tolerated.”

Through the supervision process, CFPB’s examiners discovered Capital One’s call-center vendors engaged in deceptive tactics to sell the company’s credit card add-on products. These products included “payment protection,” which allows consumers to request that the bank cancel up to 12 months of minimum payments – roughly one percent of their credit card balance – if they encounter certain life events like unemployment and temporary disability. It also provides debt forgiveness in the event of death or permanent disability. Another product was “credit monitoring,” with services such as identity-theft protection, access to “credit education specialists,” and, in some cases, daily monitoring and notification.

Consumers with low credit scores or low credit limits were offered these products by Capital One’s call-center vendors when they called to have their new credit cards activated. As part of the high-pressure tactics Capital One representatives used to sell these add-on products, consumers were:

  • Misled about the benefits of the products: Consumers were sometimes led to believe that the product would improve their credit scores and help them increase the credit limit on their Capital One credit card.
  • Deceived about the nature of the products: Consumers were not always told that buying the products was optional. In other cases, consumers were wrongly told they were required to purchase the product in order to receive full information about it, but that they could cancel the product if they were not satisfied. Many of these consumers later had difficulty canceling when they called to do so.
  • Misled about eligibility: Although most of the payment protection benefits kicked in when consumers became disabled or lost a job, some call center representatives marketed and sold the product to ineligible unemployed and disabled consumers. Despite paying the full fees, they could not get all the benefits of payment protection; some later filed claims that were denied because their “loss” (e.g. loss of job or onset of disability) occurred prior to enrollment.
  • Misinformed about cost of the products: Consumers were sometimes led to believe that they would be enrolling in a free product rather than making a purchase.
  • Enrolled without their consent: Some call center vendors processed the add-on product purchases without the consumer’s consent. Consumers were then automatically billed for the product and often had trouble cancelling the product when they called to do so.

Enforcement Action
Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to issue Consent Orders and take action against institutions engaging in unfair, deceptive, or abusive practices. To ensure that all affected consumers are repaid and that consumers are no longer subject to these misleading and high-pressure tactics, Capital One has agreed to:

  • End deceptive marketing: Capital One has ceased all marketing of these products, and will not resume doing so until Capital One submits a compliance plan, acceptable to the Bureau, which helps ensure these unlawful acts do not occur in the future.
  • Complete repayment, plus interest, to two million consumers: Capital One will pay approximately $140 million to all of the estimated two million consumers who either initially enrolled in a product on or after August 1, 2010, or who tried to cancel a product on or after August 1, 2010, but were persuaded to keep the product after speaking with a call center representative. In addition to the amount paid for the product, cardmembers will receive a refund of the associated finance charges, any over-the-limit fees resulting from the charge for the product, and interest.
  • Pay claims denied based on ineligibility at enrollment: For any of these eligible consumers whose payment protection claims were previously denied because their loss occurred prior to enrollment (because of unemployment, disability, etc.), Capital One will pay their claims as if they had been eligible, if that amount is greater than the refund for that consumer.
  • Convenient repayment for consumers: If the consumers are still Capital One customers, they will receive a credit to their accounts. If they are no longer a Capital One credit card holder, they will receive a check in the mail. Consumers are not required to take any action to receive their credit or check.
  • Independent audit: Compliance with the terms of this agreement will be assured through the work of an independent auditor, who will determine if Capital One has complied with the CFPB’s Consent Order.
  • $25 million penalty: Capital One will make a $25 million penalty payment to the CFPB’s Civil Penalty Fund.

Today’s action is being taken in coordination with the Office of the Comptroller of the Currency (OCC), which is separately ordering restitution of approximately $150 million from Capital One. This amount includes the same $140 million refund to be paid to the approximately two million customers harmed by the deceptive marketing practices identified by the CFPB’s examiners. The OCC’s order also includes separate restitution for additional consumers harmed by unfair billing practices taking place between May 2002 and June 2011 in violation of Section 5 of the Federal Trade Commission (FTC) Act. For the combined activity, the OCC is assessing a $35 million civil money penalty against Capital One.

In conjunction with today’s enforcement action, the Bureau is releasing two Consumer Advisories. One advisory is intended to make Capital One customers aware of today’s action and the other serves as a general warning to consumers who may encounter such deceptive practices.

Complaints received by the CFPB indicate – and the Bureau’s supervisory experience confirms – that other consumers have been misled by the marketing and sales practices associated with credit card add-on products. To further protect consumers, the Bureau is issuing a compliance bulletin that puts other institutions on notice that the CFPB will not tolerate deceptive marketing practices, and institutions will be held responsible for the actions of their third-party vendors. Companies engaging in deceptive practices will be expected to refund fees paid by consumers and, particularly where practices are widespread, pay an appropriate penalty.

The full text of the CFPB’s Consent Order is available at: https://files.consumerfinance.gov/f/201207_cfpb_consent_order_0001.pdf

A factsheet on the Consent Order is available at: https://files.consumerfinance.gov/f/201207_cfpb_ending_deceptive_marketing_practices.pdf

Источник: https://www.consumerfinance.gov/about-us/newsroom/cfpb-capital-one-probe/
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Capital One has been on an upward trend by constantly improving its portfolio of transfer partners and transfer ratios for certain loyalty programs. In the past, we’ve even seen Capital One launch several limited-time transfer bonuses. Now is a great time to take a closer look at Capital One’s best cards that are part of the Spark and Venture families that earn transferable points. Here are the best Capital One credit cards from our partners.

Best new premium travel credit card

2 - 10X points

  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
  • 2X Earn unlimited 2X miles on all other purchases

100,000 miles

100,000 miles

740-850

Excellent

740-850

Excellent

Why we chose it

If you can maximize the up to $300 statement credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers.

Pros

  • For a limited time, receive up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged within the first year
  • 100,000 bonus miles after spending $10,000 on purchases in the first six months
  • 10,000 bonus miles every account anniversary

Cons

  • $395 annual fee
  • Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal
  • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
  • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get our best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
  • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

Pros

  • For a limited time, receive up to $200 in statement credits for vacation rental purchases like Airbnb and Vrbo charged within the first year
  • 100,000 bonus miles after spending $10,000 on purchases in the first six months
  • 10,000 bonus miles every account anniversary

Cons

  • $395 annual fee
  • Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal
  • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
  • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get our best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
  • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

2 - 5X points

  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • 2X Earn unlimited 2X miles on every purchase, every day.

60,000 miles

60,000 miles

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 60,000 miles, worth $1,110 based on TPG valuations and not provided by the issuer.
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories.
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio.
  • Capital One airline partners do not include any large U.S. airlines.
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 60,000 miles, worth $1,110 based on TPG valuations and not provided by the issuer.
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories.
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio.
  • Capital One airline partners do not include any large U.S. airlines.
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees

1 - 8% cash-back

  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn)
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Pros

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • This card is better for beginners since it’s easier to be approved for than the Capital One Savor Cash Rewards Credit Card

Cons

  • If you spend a lot on dining and entertainment each year, the Savor is the better value since it earns higher rewards
  • The sign-up bonus isn’t anything to write home about (though it is easy to earn)
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Best for flat-rate cash back

1.5% cash-back

  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.

Pros

  • Unlimited 1.5% 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
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Pros

  • Unlimited 1.5% 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
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Best for travel rewards with no annual fee

1.25 - 5X points

  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.

20,000 miles

20,000 miles

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25x rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 16 airline or three hotel partners.

Pros

  • No annual fee means that beginners can ease into the world of travel rewards with little stress.
  • Easy-to-remember 1.25x earning rate on all purchases.

Cons

  • The sign-up bonus is outdone by most competing credit cards.
  • No bonus categories means that you may not necessarily maximize all your purchases to the fullest.
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that

Pros

  • No annual fee means that beginners can ease into the world of travel rewards with little stress.
  • Easy-to-remember 1.25x earning rate on all purchases.

Cons

  • The sign-up bonus is outdone by most competing credit cards.
  • No bonus categories means that you may not necessarily maximize all your purchases to the fullest.
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% - 24.99% variable APR after that

2X miles

  • 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

50,000 miles

50,000 miles

$0 intro for first year; $95 after that

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Those miles can then be easily redeemed for travel purchases or by transferring to partners.

Pros

  • You’ll earn 2x on every purchase, which means you don’t have to juggle different bonus categories.
  • Employee cards are free and also earn 2x on all spending.
  • It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

  • The sign-up bonus is only worth $925 according to TPG valuations, which falls short against some of the top business travel cards.
  • The card comes with minimal perks if you’re wanting additional benefits for when you travel.
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Pros

  • You’ll earn 2x on every purchase, which means you don’t have to juggle different bonus categories.
  • Employee cards are free and also earn 2x on all spending.
  • It’s an affordable card that only charges $95 in annual fees, and that fee is waived the first year.

Cons

  • The sign-up bonus is only worth $925 according to TPG valuations, which falls short against some of the top business travel cards.
  • The card comes with minimal perks if you’re wanting additional benefits for when you travel.
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Best for unlimited business cash back

2% cash-back

  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Up to $1,000 cash bonus

Up to $1,000 cash bonus

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Capital One Spark Cash Plus is a business cash-back card that offers 2% on all purchases. If your business spends more than $7,500 annually and doesn’t want to keep up with multiple bonus categories, this is the perfect card for you.

Pros

  • Unlimited 2% on all purchases
  • No foreign transaction fees
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Pros

  • Unlimited 2% on all purchases
  • No foreign transaction fees
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

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CardBest forWelcome Offer/Sign Up BonusEarning RateAnnual Fee
Capital One Venture Rewards Credit CardBest for travel rewards60,000 miles
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Earn unlimited 2X miles on every purchase, every day.
$95
Capital One VentureOne Rewards Credit CardBest for travel rewards with no annual fee 20,000 miles
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get our best prices on thousands of trip options
  • Earn unlimited 1.25X miles on every purchase, every day.
$0
Capital One Spark Miles for BusinessBest for business travel50,000 miles
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
$0 intro for first year; $95 after that
Capital One Quicksilver Cash Rewards Credit CardBest for flat-rate cash back$200
  • Earn unlimited 1.5% cash back on every purchase, every day
$0
Capital One SavorOne Cash Rewards Credit CardBest no-annual-fee card for dining, entertainment, streaming services and grocery store spending$200
  • Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • Earn 1% on all other purchases.
$0
Capital One Spark Cash PlusBest for unlimited business cash backUp to $1,000 cash bonus
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
$150

 

Capital One Venture Rewards Credit Card

Annual fee: $95

Sign-up bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening.

Rewards: 2 miles per dollar spent on all purchases.

Benefits: The Capital One Venture Rewards Card first earned its place by offering a consistent 2x on all purchases and a simple fixed-value redemption structure. Its 15+ transfer partners put it in a league of its own. Most partners  transfer at an improved 1:1 ratio, while there are still a few remaining programs that transfer at a 2:1.5 and 2:1 ratio, effectively giving the card an earning rate of up to 2 partner miles or points per dollar spent.

Flexibility is one of the most valuable elements of a good points strategy, and the Venture card delivers loads of it by allowing you to decide on a case-by-case basis whether to use it as a fixed-value or transferable-points card. The card offers a Global Entry/TSA PreCheck application fee credit (up to $100) every four years.

Related:Capital One Venture Rewards Card review

Capital One VentureOne Rewards Card

Annualfee: $0

Sign-up bonus: Earn 20,000 bonus miles after you spend $500 in the first three months of account opening.

Rewards: 1.25x on all purchases.

Benefits: The Capital One VentureOne is the no-annual-fee version of the popular Capital One Venture Rewards Card. It’s a spectacular introduction into the Venture’s flexible miles that are also transferable to Capital One’s 15+ airline and hotel transfer partners. You’ll also enjoy no foreign transaction fees with this card, along with important protections such as travel accident insurance,secondary rental car coverage and extended warranty. Benefits only available to accounts approved for the Visa Signature card. Terms apply.

Capital One Spark Miles for Business

Annual fee: $95, waived the first year

Sign-up bonus: Earn 50,000 bonus miles after you spend $4,500 in the first three months of account opening.

Rewards: 2x on purchases.

Benefits: The Spark Miles from Capital One is a business credit card that gives you access to the same great airline and hotel transfer partners as the Venture family of cards. Businesses can enjoy free employee cards and no foreign transaction fees. You also get up to $100 in credit for Global Entry or TSA PreCheck enrollment fees every four years, along with rental collision coverage and emergency travel assistance.

Related: Capital One Spark Miles for Business card review

Quicksilver from Capital One

Annual fee: $0

Sign-up bonus:

Источник: https://thepointsguy.com/credit-cards/capital-one/

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