Capital One Credit Card Overview

Capital One is an American Bank Holding Company that is specialized in credit cards, auto loans, & bank accounts. Capital One is ideal for customers who want competitive prices and rates. Capital One is amongst bank that is best for credit cards. Its annual fee, rewards, benefits and perks are unmatchable. It have large network of branches and ATMs. It offer credit card for many categories such as credit cards with best welcome bonus, credit card for credit building, best reward credit cards, Cards for travel perks, card for business and much more. 

 

Here we will discuss some popular and most demanding credit cards of Capital One. 

Savor Rewards Credit Card

Cash Back Credit Card

If you want enjoy entertainment services and you love travelling, than Savor Rewards Credit Card is best for you. This card offer 8% cash back at entertainment spending & 5% cash back for hotel &car rental booking through Capital One Travel. At groceries purchases you can earn 3% unlimited cash back. This card have annual fee of $95 that will be off set with its benefits. This card holder enjoys complimentary Concierge Service, Extended Warranty, 24 Hours Travel Assistance Service, Travel Accident Insurance and Instant Purchase Notification without any extra fee. You can redeem your earned cash back and rewards at Capital One Shopping, Amazon, PayPal & Capital One Travel. 

Rewards:

Your card can earn 8% cash back on Capital One Entertainment.

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel..

Your card can earn 4% unlimited cash back on Dining, Entertainment & Popular Streaming Services.

Your card can earn 3% cash back for grocery purchases.

Your card can earn 1% cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

Within three (03) Months of getting card membership, spent only $3,000 in purchases to earn one time $300 cash bonus.

Annual Fee:

Annual Fee at this card is $95.

Intro APR:

Intro APR is not available at this card.

Regular APR:

Regular APR rate is 20.25% to 28.25% that is variable. 

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Foreign Transactions Fee:

This card has no Foreign Transaction Fee.

Credit Needed:

Credit History requires Excellent/Very Good credit score.

See rates and fees

Terms and conditions apply

SavorOne Rewards

Best Cash Back Credit Card
Zero Annual Fee Credit Card
Dining & Entertainment Credit Card

If you are looking best dining & entertainment credit card than you are at the best place. SavorOne Rewards is best credit card for Dining & Entertainment needs. Beauty of this card is that it has $0 Annual Fee with outstanding cash back and bonus. At Capital One Entertainment purchase, you can earn 8% cash back that is rarely being offered by any other card. By using Capital One Travel you can earn 5% cash back at hotel & rental cars booking. So this is a free card that offers savings or earning at your hobbies and at daily basis products just like grocery, drugs, etc.

This card holder enjoys complimentary Concierge Service, Extended Warranty, 24 Hours Travel Assistance Service, Travel Accident Insurance and Instant Purchase Notification without any extra fee. You can redeem your earned cash back and rewards at Capital One Shopping, Amazon, PayPal & Capital One Travel.

Rewards:

Your card can earn 8% cash back on Capital One Entertainment.

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel..

Your card can earn 4% unlimited cash back on Dining, Entertainment & Popular Streaming Services.

Your card can earn 3% cash back for grocery purchases.

Your card can earn 1% cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

Within first 90 days of getting card membership, just spent only $500 in purchases to earn one time $200 cash bonus.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is 0% for the first 15 months. After that regular APR will be charged..

Regular APR:

Regular APR rate is 19.25% to 29.25% that is variable.

Balance Transfer Fee:

Balance Transfer Fee is 3% when transfer is made with 15 months of card membership. After that period regular APR will be charged.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires Excellent/Very Good credit score.

See rates and fees

Terms and conditions apply

SavorOne Rewards for Good Credit

Credit Building Credit Card

When your credit history is good instead of excellent, SavorOne Rewards for Good Credit is best choice. You can enjoy rewards at restaurants, travel & groceries. This card has zero annual fees. Drawback of this card is that it does not offer any welcome bonus & APR rate is high as compared to SavorOne rewards & Savor rewards Credit Card. For getting maximum benefit of this card, use it at Capital One Entertainment or Capital One Travel. This card holder enjoys complimentary Concierge Service, Extended Warranty, 24 Hours Travel Assistance Service, Travel Accident Insurance and Instant Purchase Notification without any extra fee. You can redeem your earned cash back and rewards at Capital One Shopping, Amazon, PayPal & Capital One Travel.

Rewards:

Your card can earn 8% cash back on Capital One Entertainment.

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel..

Your card can earn 4% unlimited cash back on Dining, Entertainment & Popular Streaming Services.

Your card can earn 3% cash back for grocery purchases.

Your card can earn 1% cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

This card does not offer Welcome Bonus.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is not available at this card.

Regular APR:

Regular APR rate is 29.74%.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires Good credit score to apply for this card.

See rates and fees                                                                                  Terms and conditions apply

SavorOne rewards for students

Best Student Card

SavorOne rewards for students are best for such a students who want start their own ecommerce business. This card is also suitable for students who love travelling. Most attraction in this card is that it does not have any annual fee or foreign transaction fee. With this card a student can get one time reward of $50 after spending $100. Students who are doing ecommerce business, this card have 3% unlimited cash back reward.

Students are near future economy player that is reason card issuer target student and offer attractive benefits and perks. Normally first creates loyalty for everyone. This card holder enjoys complimentary Concierge Service, Extended Warranty, 24 Hours Travel Assistance Service, Travel Accident Insurance and Instant Purchase Notification without any extra fee. You can redeem your earned cash back and rewards at Capital One Shopping, Amazon, PayPal & Capital One Travel.

Rewards:

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel.

Your card can earn 4% unlimited cash back on Dining, Entertainment & Popular Streaming Services.

Your card can earn 3% cash back for grocery purchases.

Your card can earn 1% cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

Just spend $100 during first 90 days of getting card membership and earn onetime cash bonus of $50.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is not available at this card.

Regular APR:

Regular APR rate is 19.25 to 29.25% that is variable.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires Fair credit score to apply for this card.

See rates and fees                                                                                 Terms and conditions apply

Spark Business Credit Card

If you want to avail business graded benefits of Capital One than Spark Business Credit Card is the best option. Spark Business Credit Card offer you free business tools that include Business Discounts. You can get pre-negotiated discounts on business essentials; this is the offer for you, your business and your business employees. Example of discount is that you can save up to $100 at TurboTax, you can get up to $477 off at Microsoft, you can get 40% off at TallyFy, and you can get 20% off at shutlerstock. These are some examples of pre-negotiated deals, for more you can visit the website of Capital One.

Spark Business Credit Card offer Account & Business Management Services such as automatic payments, pay vendor by card, recurring transactions (you merchant can charge your card monthly), year-end summaries, integration (you can connect your card to EPR Platforms as QuickBooks , Concur, Expense & Xero)

1. Employee Benefits:

Capital One Spark Business Credit Card has many features for employee access. You can assign an employee as Account Manager who can make purchases and payments at your business behalf. You can set spending limits & you can track earnings and rewards.

2. Customer Services:

Capital One Spark Business Credit Card provides you facility of Fraud Alerts, Security Alerts, extended warranty & Protection, Virtual Card Numbers and Card Lock. By using these services you can lock your card or your employee card if it is lost or misplaced. For such a loss your liability will be zero and all damages will be paid by Capital One. In the case of any suspicious transaction you will get alerts in the shape of emails and text messages.

3. Travel Benefits:

Capital one Spark Business Credit Card offers you to earn extra rewards by booking through Capital One Travel. Capital One has 15+ participating partners where you can utilize your earned miles. With this card you will get access to Capital One Lounge that is famous for luxurious amenities & food. You can receive $100 for Global Entry TSAPre (For this facility you have to use Spark Miles2X Card).

Most attraction of this card is that it has zero foreign transaction fee & exchange fee that make it most suitable card for travelling.

Types of Capital One Business Card

Capital One has six types of Business Cards. We will discuss all one by one.

1. Spark 2% Cash Plus

Spark 2% Cash Plus is suitable for the businesses that always want pay bill within due dates and with full amount. This card have high annual fee that is $150 but it will be offset with its benefits. This card has onetime cash bonus of worth $1,000, Spark 2% Cash Plus also give you opportunity to get annual bonus of $200 each year after spending $200,000. No other card in the market have such a big annual cash offer. Just imagine that if your monthly spending is $100,000, you can earn $24,000 cash back annually. This card also provide facilities just like automatic payments, $0$ fraud liability, year-end summaries, Assignment of account manager, purchase records & virtual card numbers. Just put your 10 minutes to apply the card.

Rewards:

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel..

Your card can earn 2% cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

Just spend $500 during first 3 months of getting card membership and earn onetime cash bonus of $500, than further spend $50,000 during the six months and earn more $500. Total Bonus from this card will be $1,000.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is not available at this card. Because you have to pay full amount of bill monthly otherwise you will charges APR.

Regular APR:

Regular APR rate is 3% monthly.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires excellent credit score to apply for this card.

See rates and fees                                                                                             Terms and conditions apply

2. Spark 1.5% Cash Select

Spark 1.5% Cash select is best for such a businesses that want pay monthly bill within due date with full amount and want earn maximum rewards and bonus without paying any annual fee. If your monthly spending are $50,000 than you have opportunity to earn $9,000 annually in shape of cash back. This card offer 1.5% unlimited cash back at all kind of purchases. By using Capital One Travel, rate of earning reaches at 5% that in unmatchable by any competitor. To apply for this card, you needed just 10 minutes, put business owner and your business information; card will be at your door step within 10 business days. This card has extra features such as $0 fraud liability, year-end summaries, account manager assignment, purchase record and virtual card number. 

Rewards:

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel.

Your card can earn 2% unlimited cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

Just spend $4,500 during first ninety days of getting card membership and earn $500.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is not available at this card. Because you have to pay full amount of bill monthly otherwise you will charges APR.

Regular APR:

Regular APR rate is 17.50% to 23.50% that is variable.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires excellent credit score to apply for this card.

 

See rates and fees                                                                                            Terms and conditions apply

3. Spark 1.5% Cash Select

Carry a Balance with Intro APR

This Spark 1.5% Cash Select credit card is best for those who want carry balance with an Intro APR. This card have zero annual fee with 0% Intro APR for the first year (12months). Drawback of this card is that it does not offer welcome bonus, however you can earn 1.5% unlimited cash back rewards at all purchases. If your monthly spending through this card is $50,000, you have opportunity to earn $900 annually in shape of cash back. This card has extra features such as $0 fraud liability, year-end summaries, account manager assignment, purchase record and virtual card number.

Rewards:

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel..

Your card can earn 2% unlimited cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

This card does not have any welcome or sign up bonus.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is zero percent for first complete year.

Regular APR:

Regular APR rate is 20.25% to 28.25% that is variable.

Balance Transfer Fee:

This card offer Balance Transfer Facility for 12 months.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires good credit score to apply for this card.

See rates and fees                                                                                            Terms and conditions apply

4. Spark 1% Classic Credit Card

Best Credit Building Credit Card

Spark 1% Classic Credit Card is best for such a businesses that have need of credit building. Credit Score building need arise when you have some bad financial decision in the past or you are new to the credit card history and want become good future credit card user. In both cases you have need of excellent credit score. This card will meet your this need of credit building.

 

This card offer you to pay minimum payment of 15% outstanding amount with 1% mark up. This will secure your credit history. If your credit score is fair you have opportunity to avail this card. This card will leads you towards excellent credit score. This card has zero annual fees with 1% unlimited cash back rewards at all kind of purchases. Suppose that your monthly spending through this card is $10,000, than you can earn $1200 annually. This card has extra features such as $0 fraud liability, year-end summaries, account manager assignment, purchase record and virtual card number.

Rewards:

Your card can earn 5% cash back hotel & car rental booking through Capital One Travel.

Your card can earn 2% unlimited cash back on all other purchases.

 (Terms & Conditions apply)

Welcome Bonus:

This card does not have any welcome or sign up bonus.

Annual Fee:

Annual Fee at this card is $0.

Intro APR:

Intro APR is not available with this card.

Regular APR:

Regular APR rate is 29.74% that is variable.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires fair credit score to apply for this card.

See rates and fees                                                                                   Terms and conditions apply

5. Spark 2X Miles Credit Card

Best Travel Credit Card

Spark 2X Miles Credit Card is especially for such a businesses that have need of occasional travelling. Now world have become global village, mostly business have cross border customers & set ups, so for supplier agreements, business meetings, employee vacation tours, machinery purchase, or expansion of business have occasionally need of travel. With this card your business can get 5X Miles on hotels $ rental car bookings. You can also get up to $100 credit for Global Entry or TSA Pre.

There is no annual fee for the first year, after that you will be charged $95 as annual fee. However this annual fee will be offset with its benefits. You have opportunity to earn 2X Miles at all kind of purchases. This card have awesome welcome bonus. You can get one-time bonus of 50,000 miles after spending $4,500during the first 90 days of card membership. These earned miles can be redeemed at flights, hotels & vacation packages. When your monthly spending through this card is $50,000 you will get 1200,000 miles annually as a reward.

 

You have need of just 10 minutes to apply for this card, just put business owner and business details online and get card in10 business days. For this card you have need of excellent credit score history. Extra features in this card are $0 Fraud Liability, Year End Summaries, Account Manager Assignment, Purchase Record and Virtual Card.

Rewards:

Your card can earn 5X Miles for hotel & car rental booking through Capital One Travel..

Your card can earn 2X Miles on all other purchases.

You will get up to $100 credit for Global Entry or TSA Pre.

 (Terms & Conditions apply)

Welcome Bonus:

Just spent $4,500 within first 90 days of card membership and earn 50,000 Bonus Miles. Spending of bonus restricted to Capital One Travel Partners.

Annual Fee:

This card does have any fee for first year. After first year annual fee be $95.

Intro APR:

Intro APR is not available with this card. 

Regular APR:

Regular APR rate is 25.25% that is variable.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee. 

Credit Needed:

Credit History requires fair credit score to apply for this card.

See rates and fees                                                                                                                              Terms and conditions apply

6. Spark 1.5X Miles Select Credit Card

Best Travel Card with zero annual fees:

Spark 1.5X Miles Select Credit Card is best for the businesses that have need of travel. Businesses can reduce their operating costs of travel. Beauty of this card is that it does not have annual fee and foreign transaction fee is also zero. One more attraction of this card is that it have 0% Intro APR for the first nine (9) months.

Drawback of this card is that it does not have welcome bonus. You can earn 5X Miles at travel through Capital One Travel. You will get 1.5X Miles for all other purchases.  

You have need of just 10 minutes to apply for this card, just put business owner and business details online and get card in10 business days. For this card you have need of excellent credit score history. Extra features in this card are $0 Fraud Liability, Year End Summaries, Account Manager Assignment, Purchase Record and Virtual Card.

Rewards:

Your card can earn 5X Miles for hotel & car rental booking through Capital One Travel..

Your card can earn 2X Miles on all other purchases.

(Terms & Conditions apply)

Welcome Bonus:

This card not has any welcome bonus.

Annual Fee:

This card has zero annual fees.

Intro APR:

Intro APR is 0 for the first nine (9) months.

Regular APR:

Regular APR rate is 18.25% to 28.25%% that is variable.

Balance Transfer Fee:

This card does not offer Balance Transfer Facility.

Fee at International/Foreign Transactions:

This card has $0 Foreign Transaction Fee.

Credit Needed:

Credit History requires excellent credit score to apply for this card.

See rates and fees                                                                                                                                       Terms and conditions apply