Capital One credit cards
Capital One's own-brand personal cards fall into three families: Venture X, Venture and VentureOne earn miles, Quicksilver, QuicksilverOne, Savor and SavorOne earn cash back, and Platinum earns no rewards, with Good Credit, student and secured versions of several of them 6. Annual fees in the catalog run from $0 on most cards to $39 on QuicksilverOne and SavorOne, $95 on Venture and $395 on Venture X 6.
Contents7 sections
At a glance
| Card issuer | Capital One, N.A.8 |
|---|---|
| Personal cards covered | 8: Platinum, Quicksilver, Savor, VentureOne, QuicksilverOne, SavorOne, Venture, Venture X |
| Rewards programs | Capital One miles (Venture X, Venture, VentureOne), Capital One cash back rewards (Quicksilver and Savor families) |
| Card catalog | capitalone.com |
What to know about Capital One cards
The travel cards are tiered by fee: Venture X at $395, Venture at $95 and VentureOne at $0 6. Their miles redeem for travel at 100 miles per $1, through Capital One Travel or as a credit for travel purchases made within 90 days, and eligible accounts can transfer miles to select external travel loyalty programs 8. The cash back cards pay rewards that can be redeemed in any amount and do not expire for the life of the account 9. For building credit, Capital One offers QuicksilverOne and SavorOne with a $39 fee, Platinum with none, and secured versions of Quicksilver and Platinum 6.
Capital One says it issues credit cards on three networks, Discover, Visa and Mastercard, and that a card's network is shown by its logo 10. Among the cards covered here, Capital One states a network and tier only for Venture X, which it presents as a Visa Infinite card with the Visa Infinite Guide to Benefits 111. For Venture, VentureOne, Savor, SavorOne, Quicksilver and QuicksilverOne, Capital One publishes a Guide to Card Benefits covering accounts on the Discover Network, in effect as of 02/01/2026, but it does not state which network a new account will be issued on, so the coverage figures on these pages apply to Discover Network accounts only 25.
Guides are listed by network and tier on Capital One's benefits-guide page, which tells cardholders to find their network from the card or the account statement 5. Both the Visa Infinite and Discover Network guides give the Benefit Administrator number as 1-800-825-4062, or 1-804-965-8071 collect from outside the U.S., and Discover Network cardholders can also use cardholderbenefits.com/capitalone 12. The Visa Infinite guide Capital One links still describes benefits in effect as of 10/01/21 1.
Capital One's Venture X lounge terms, last updated July 8, 2026, give complimentary access only to primary cardholders; lounge access for each additional cardholder costs $125 a year, and free guests at Capital One Lounges and Landings require $75,000 in calendar-year spending 3. The Global Entry or TSA PreCheck credit of up to $120 applies to Venture X and Venture among personal cards 4. Discover merged into Capital One on May 18, 2025, and Discover-branded cards now appear in Capital One's catalog 76.
Capital One cards compared
| Card | Annual fee | Foreign fee | Rewards |
|---|---|---|---|
| Capital One Platinum Credit CardCredit building card1 other version | $0 | None | Does not earn rewards; designed for building credit. |
| Capital One Quicksilver Cash Rewards Credit Card3 other versions | $0 | None | Earns unlimited 1.5% cash back on every purchase, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5% on Capital One Entertainment purchases. |
| Capital One Savor Cash Rewards Credit Card2 other versions | $0 | None | Earns 8% cash back on Capital One Entertainment purchases, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% on dining, entertainment, popular streaming services and grocery stores, and 1% on everything else, with no earning cap. |
| Capital One VentureOne Rewards Credit Card1 other version | $0 | None | Earns 1.25 miles per $1 on every purchase, 5 miles per $1 on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5 miles per $1 on Capital One Entertainment purchases, with no earning cap. |
| Capital One QuicksilverOne Cash Rewards Credit CardCredit building card | $39 | None | Earns unlimited 1.5% cash back on every purchase, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5% on Capital One Entertainment purchases. |
| Capital One SavorOne Cash Rewards Credit CardCredit building card | $39 | None | Earns 8% cash back on Capital One Entertainment purchases, 5% on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% on dining, entertainment, popular streaming services and grocery stores, and 1% on everything else, with no earning cap. |
| Capital One Venture Rewards Credit Card | $95 | None | Earns 2 miles per $1 on every purchase, 5 miles per $1 on hotels, vacation rentals and rental cars booked through Capital One Travel, and 5 miles per $1 on Capital One Entertainment purchases, with no earning cap. |
| Capital One Venture X Rewards Credit Card | $395 | None | Earns 10 miles per $1 on hotels and rental cars and 5 miles per $1 on flights and vacation rentals booked through Capital One Travel, 5 miles per $1 on Capital One Entertainment purchases, and 2 miles per $1 on all other purchases, with no earning cap. |
Benefits by card
A tick means Capital One lists the benefit for that card; open the card for its limits and conditions.
| Card | Rental car coverage | Trip cancellation and interruption | Trip delay | Cell phone protection | Purchase protection | Extended warranty | Airport lounge access | Global Entry or TSA PreCheck credit |
|---|---|---|---|---|---|---|---|---|
| Platinum | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Quicksilver | ListedPrimary abroad | Listed | Not listed | Not listed | Listed | Listed | Not listed | Not listed |
| Savor | ListedPrimary abroad | Listed | Not listed | Not listed | Listed | Listed | Not listed | Not listed |
| VentureOne | ListedPrimary abroad | Listed | Not listed | Not listed | Listed | Listed | Not listed | Not listed |
| QuicksilverOne | ListedPrimary abroad | Listed | Not listed | Not listed | Listed | Listed | Not listed | Not listed |
| SavorOne | ListedPrimary abroad | Listed | Not listed | Not listed | Listed | Listed | Not listed | Not listed |
| Venture | ListedPrimary abroad | Listed | Not listed | Not listed | Listed | Listed | Not listed | Listed |
| Venture X | ListedPrimary | Listed | Listed | Listed | Listed | Listed | Listed | Listed |
8 of 8 Capital One cards we cover charge no foreign transaction fee.
Rewards programs
| Capital One miles (Venture X, Venture, VentureOne) | Miles redeem for travel at 100 miles per $1 of travel cost (Capital One Travel bookings or credits for travel purchases within 90 days); eligible accounts can transfer miles to select external travel loyalty programs. Miles do not expire for the life of the account. Capital One does not give the miles program a separate brand name on the pages checked.8 |
|---|---|
| Capital One cash back rewards (Quicksilver and Savor families) | Cash back redeemable in any amount as a statement credit or check, automatic redemption by date or threshold, credits for previous purchases, gift cards and Capital One Travel bookings; no expiration for the life of the account; transfers only between certain Capital One rewards accounts.9 |
Cards not covered here
This site covers Capital One’s own-brand personal cards. These cards in Capital One’s catalog are outside that scope, mostly because their benefits belong to an airline, hotel or retail partner’s program:
- Discover it Cash Back (Discover-branded card (listed in the Capital One catalog); researched separately under the discover issuer)
- T-Mobile Visa (co-branded)
- Kohl's Rewards Visa (co-branded / retail partner)
- REI Co-op Mastercard (co-branded)
- Pottery Barn Key Rewards Visa (co-branded / retail partner)
- Williams Sonoma Key Rewards Visa (co-branded / retail partner)
- West Elm Key Rewards Visa (co-branded / retail partner)
- Key Rewards Visa (co-branded / retail partner (Williams-Sonoma, Inc. brands))
- Cabela's CLUB Card (co-branded)
- Bass Pro Shops CLUB Card (co-branded)
- BJ's One Mastercard (co-branded)
- BJ's One+ Mastercard (co-branded)
- Venture X Business (business card)
- Venture Business (business card)
- VentureOne Business (business card)
- Spark 2% Cash Plus (business card)
- Spark 2% Cash (business card)
- Spark 1.5% Cash Select (business card)
- Spark 1% Classic (business card)
Sources
- 1 Capital One, Your Guide To Card Benefits - Visa Infinite Card (Capital One) Checked Oct 10, 2026 · Back to text ↑
- 2
- 3 Capital One, Capital One Lounge and Landing and Priority Pass Terms & Conditions Checked Oct 10, 2026 · Back to text ↑
- 4 Capital One, Capital One Credit Card Partner Benefits: Terms & Conditions Checked Oct 10, 2026 · Back to text ↑
- 5 Capital One, Cardholder Benefits Guides | Capital One Checked Oct 10, 2026 · Back to text ↑
- 6 Capital One, Capital One Credit Cards Checked Oct 10, 2026 · Back to text ↑
- 7 Capital One, Discover is part of Capital One Checked Oct 10, 2026 · Back to text ↑
- 8 Capital One, Capital One Application Terms - Venture X Checked Oct 10, 2026 · Back to text ↑
- 9 Capital One, Capital One Application Terms - Quicksilver Checked Oct 10, 2026 · Back to text ↑
- 10 Capital One, Are Capital One Cards Visa, Mastercard or Discover? | Capital One Checked Oct 10, 2026 · Back to text ↑
- 11 Capital One, Venture X Rewards | Capital One Checked Oct 10, 2026 · Back to text ↑
Each card page lists the sources for that card’s fees and benefits.
Has Capital One changed a card? Report an error