Capital One credit cards are worth considering if you are in the market for a new, highly advantageous credit card. Over the years, Capital One has maintained its commitment to its consumer and commercial clientele.

They boosted ATM withdrawal limits and eliminated ATM fees entirely for banking customers. Furthermore, their digital service platforms and tools enable customers and businesses to manage their finances securely and hassle-free.

ADVERTISEMENT

Capital One has several plans to help customers, especially those with financial difficulties. Capital One offers great credit cards that fit customers’ lifestyles and financial needs. Learn about some of the Capital One credit cards with the best perks below.

  • Capital One Venture Rewards Credit Card
  • What Are the Perks of the Capital One Venture Rewards Credit Cards?
  • Capital One Walmart Rewards Mastercard
  • What are the Perks of the Capital One Walmart Rewards Mastercard?d
  • What Is the Quicksilver Cash Rewards Credit Card?
  • What Are the Perks of the Quicksilver Cash Rewards Credit Card?

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards card is comparable to other flat-rate travel rewards cards. Those who do not want to bother with activating bonus categories or keeping track of the often complicated systems of different cards may appreciate the card’s simple, straightforward benefits and rewards system.

Image Source: My Bank Tracker

Through the Capital One Venture Rewards credit card, cardholders can earn unlimited earnings of five miles per dollar on hotels and rental cars booked through Capital One Travel. They can also earn two miles per dollar spent on other purchases unlimitedly.

ADVERTISEMENT

Capital One Rewards are as easy to redeem as they are to earn, but you will get the most bang for your buck if you put them toward a trip of some kind. Whether that be booking directly through the Capital One portal, exchanging points with one of Capital One’s travel partners, or applying them to a travel-related purchases made with the card.

Even though you can use reward miles to get cashback as a statement credit or to buy things through Paypal and Amazon, each mile is worth less than 1 cent. In addition, the $95 annual fee is the major drawback compared to any 2% cashback cards that do not charge a yearly fee and let you use rewards however you want.

What Are the Features of the Capital One Venture Rewards Credit Card?

The card’s welcome bonus is 75,000 bonus miles, worth $750 in travel, after spending $4,000 in the first three months from account opening.

It is said that rather than using miles to make a reservation through Capital One Travel, it is more cost-effective to charge the trip to the card and then redeem the miles to cover the cost of the trip.

In this way, you can earn miles on the reservation and apply them to the cost of the trip.

What Are the Perks of the Capital One Venture Rewards Credit Cards?

Aside from the rewards and bonuses, the Capital One Venture Rewards credit card offers even more perks for its cardholders. The Venture Rewards card boasts no foreign transaction fees, making it an ideal card for frequent travelers.

Image Source: The Points Guy

There are also the Capital One Lounge Passes, where cardholders can get two complimentary visits per year. Moreover, Venture Rewards cardholders are entitled to a reimbursement for the application fee of up to $100 every four years for a Global Entry or TSA PreCheck membership.

The Venture Rewards credit card also gives the customers 24 Hour Travel Assistance Service and Travel Accident Insurance. These perks will give cardholders more reasons to enjoy their travels by using the card.

Check some of the other perks of the Capital One Venture Rewards credit cards include the following.

  • Transfer Miles
  • Security Alerts & Card Lock
  • $0 Fraud Liability
  • Virtual Card Numbers
  • Autopay
  • 24/7 Support
  • Mobile App

What Are the Fees for the Capital One Venture Rewards Credit Card?

Even though the Venture Rewards credit card offers enticing perks, it is important to learn about its fees and rates below before making any decisions.

  • Regular Annual Percentage Rate (APR): 18.99%-26.99% variable
  • Annual Fee: $95
  • Balance Transfer Fee: $0
  • Cash Advance: 3% of the amount of the cash advance, but not less than $10
  • Foreign Purchase Transaction Fee: None

Consider these fees, as well as the Terms and Conditions before availing of the Capital One Venture Rewards credit card.

Capital One Walmart Rewards Mastercard

Capital One and Walmart unexpectedly collaborated on a new offering for their respective consumer bases. People who are regular Walmart shoppers and customers of Capital One will benefit greatly from this rewards card.

All purchases made with the Capital One Walmart Rewards Mastercard Credit Card are eligible for rewards and discounts. Anyone who regularly makes purchases at Walmart should seriously consider applying for this credit card.

When they apply for and are approved for a Walmart Rewards Mastercard, they will receive an introductory bonus. To qualify for the sign-up bonus with the Walmart Rewards Mastercard, you must make in-store purchases using Walmart Pay after receiving the card.

What Are the Features of the Capital One Walmart Rewards Mastercard?

If cardholders use Walmart Pay in-store, they can get 5% cashback on their entire purchase. All Walmart.com and Walmart app purchases, including grocery pickup and delivery services, are eligible for 5% cashback with the Walmart Rewards Mastercard credit card.

Further, when you use your Walmart Rewards Mastercard for dining out or vacation expenses, you’ll earn 2% back in rewards. Get 2% cashback on all purchases, including groceries, made at Walmart and Walmart & Murphy USA gas stations.

Last but not least, one perk of the Walmart Rewards Mastercard credit card is a 1% cashback bonus on all other purchases made wherever Mastercard is accepted.

What Are the Perks of the Capital One Walmart Rewards Mastercard?

There is no time limit on when you can use your reward points. As a result, Walmart Rewards Mastercard cardholders can amass as many points as they like and cash them out in various ways: redeem them for cash, cover a purchase, buy gift cards, and redeem them for travel.

The Walmart Rewards Mastercard also provides price protection, allowing you to receive a reimbursement for the price difference up to $250. There is a four-claim limit per calendar year.

There is also an extended warranty that can cover up to an additional two years on a warranty that is already two years or less, as well as up to $10,000 to repair or replace the item. Your Premier Access membership also grants you access to the world’s best concerts, sporting events, and restaurants.

What Are the Fees for the Capital One Walmart Rewards Mastercard?

The Capital One Walmart Rewards Mastercard Credit Card has benefits and drawbacks that should be weighed carefully before applying. Make sure you carefully consider the card;s Terms and Conditions before signing any agreements. Some of the charges are associated with the Capital One Walmart Rewards Mastercard Credit Card include the following. 

  • Annual Fee: $0
  • Annual Percentage Rate (APR): 17.99%, 23.99% or 27.74%, based on creditworthiness
  • APR for Transfers: 17.99%, 23.99% or 27.74%, based on creditworthiness
  • APR for Cash Advances: 27.74%
  • Balance Transfer Fee: 3% of the amount of each transferred balance
  • Cash Advance: $10 or 3% of the amount, whichever is greater
  • Foreign Purchase Transaction Fee: $0
  • Late Payment: up to $39

What Is the Quicksilver Cash Rewards Credit Card?

Look no further if you are torn between a card with a sign-up bonus and one with a 0% APR introductory period. Both can be found with the Capital One Quicksilver credit card.

Image Source: TIME

This is a great deal for new cardholders considering spreading out the payments on an expensive purchase over a long period. The card’s 1.5% cashback rewards on all purchases have no limits, expiration dates, or restrictions, so cardholders can earn money back no matter how much they spend.

The 0% intro APR period is the card’s best feature. During the introductory period and beyond, Quicksilver Cash Rewards card customers will earn 1.5% cashback on all purchases, plus an additional 5% cashback on hotels and rental cars booked through Capital One Travel.

However, those who prefer to carry no more than a couple of cards in their wallet could still benefit from having this option. The Quicksilver card is a good option for making almost any purchase because there is no annual fee or fees for purchases in foreign countries.

What Are the Features of the Quicksilver Cash Rewards Credit Card?

Capital One Travel cardholders earn 1.5% cashback on all purchases and 5% cashback on hotels and rental cars. No featured purchase categories or seasonal earnings rates to track. As long as the account is open, there are no annual earning rewards limits with the Quicksilver Cash Rewards card.

When new cardholders spend $500 in three months, they will get a $200 cash bonus.

What Are the Perks of the Quicksilver Cash Rewards Credit Card?

Capital One Quicksilver keeps redemption simple. Cashback can be redeemed as a check or statement credit. Cardholders can set up automatic $25 cashouts. This is a set-and-forget card. CapitalOneTravel.com lets customers redeem travel rewards. Connecting one’s rewards account with Amazon.com lets one redeem points for a penny each toward Amazon.com purchases.

It is more beneficial to use the Quicksilver Cash Rewards card to make the purchase and then request a credit on their statement. If you take the extra effort, it will pay off in the long run.

The value of the gift cards that cardholders can exchange their points for varies. Buying the necessary gift card is preferable to redeeming rewards directly, just like the Amazon option.

What Are the Fees for the Quicksilver Cash Rewards Credit Card?

The perks of the Quicksilver Cash Rewards credit card may be overwhelming, especially its rewards redemption options. However, you still need to consider the card’s fees before signing up for one. Check out the fees below and don’t forget to look into the Terms and Conditions of the card.

  • Regular APR: 17.99%, 23.99% or 27.99%, based on your creditworthiness
  • Purchase Intro APR: 0% intro on purchases for 15 months
  • Balance Transfer Intro APR: 0% intro on balance transfers for 15 months
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance: 3% of the amount of the cash advance, but not less than $10
  • Foreign Purchase Transaction: None
  • Late Payment Fee: $40

Conclusion

Each Capital credit card has its own set of benefits and perks that people should take advantage of immediately. However, it is important make an informed decision and look for more information.

Note: There are risks when applying for and using a credit card. Please see the Capitec bank’s Terms and Conditions page for more information.

ADVERTISEMENT