Capital One credit cards
Verified Oct 16, 2026USD
8 Capital One cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $395.
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
- #1
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$900Year 2+$7003 years $2,299 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$900Year 2+$700Welcome or anniversary bonus$200 / $0Rewards on spending$700 / $700Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3%GrocGroceries3%DineDining and takeout1%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals1%TransitTransit and rideshare3%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #1 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $2,299 after fees.
- Year 1. $900 = welcome bonus $200 + rewards $700.
- Each year after. $700 = rewards $700.
- Against #2. Beats Capital One Quicksilver by $290 over 3 years, mostly on rewards on spending (+$290).
Verified Oct 16, 2026Every term and assumption - #2
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$803Year 2+$6033 years $2,009 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$803Year 2+$603Welcome or anniversary bonus$200 / $0Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #2 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $2,009 after fees.
- Year 1. $803 = welcome bonus $200 + rewards $603.
- Each year after. $603 = rewards $603.
- Against #1. Trails Capital One Savor by $290 over 3 years, mostly on rewards on spending (−$290).
- Against #3. Beats Capital One Quicksilver Secured by $200 over 3 years, mostly on welcome bonus (+$200).
Verified Oct 16, 2026Every term and assumption - #3
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$603Year 2+$6033 years $1,809 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$603Year 2+$603Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #3 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $1,809 after fees.
- Year 1. $603 = rewards $603.
- Each year after. $603 = rewards $603.
- Against #2. Trails Capital One Quicksilver by $200 over 3 years, mostly on welcome bonus (−$200).
- Against #4. Beats Capital One QuicksilverOne by $117 over 3 years, mostly on annual fees (+$117).
Verified Oct 16, 2026Every term and assumption - #4
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$564Year 2+$5643 years $1,692 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$564Year 2+$564Rewards on spending$603 / $603Fees (taken off the end)−$39 / −$39 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #4 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $1,692 after fees.
- Year 1. $564 = rewards $603 − fee $39.
- Each year after. $564 = rewards $603 − fee $39.
- Against #3. Trails Capital One Quicksilver Secured by $117 over 3 years, mostly on annual fees (−$117).
- Against #5. Beats Capital One Venture by $174 over 3 years, mostly on rewards on spending (+$603).
Verified Oct 16, 2026Every term and assumption - #5
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$856Year 2+$3313 years $1,518 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$856Year 2+$331Welcome or anniversary bonus$375 / $0Rewards on spending$402 / $402Credits$174 / $24Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #5 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $1,518 after fees.
- Year 1. $856 = welcome bonus $375 + rewards $402 + credits $174 − fee $95.
- Each year after. $331 = rewards $402 + credits $24 − fee $95.
- Against #4. Trails Capital One QuicksilverOne by $174 over 3 years, mostly on rewards on spending (−$603).
- Against #6. Beats Capital One Venture X by $230 over 3 years, mostly on annual fees (+$900).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #6
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$646Year 2+$3213 years $1,288 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$646Year 2+$321Welcome or anniversary bonus$375 / $50Rewards on spending$402 / $402Credits$264 / $264Fees (taken off the end)−$395 / −$395 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #6 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $1,288 after fees.
- Year 1. $646 = welcome bonus $375 + rewards $402 + credits $264 − fee $395.
- Each year after. $321 = anniversary bonus $50 + rewards $402 + credits $264 − fee $395.
- Against #5. Trails Capital One Venture by $230 over 3 years, mostly on annual fees (−$900).
- Against #7. Beats Capital One VentureOne by $434 over 3 years, mostly on annual fees (−$1,185).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #7
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$351Year 2+$2513 years $854 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$351Year 2+$251Welcome or anniversary bonus$100 / $0Rewards on spending$251 / $251Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.25xGrocGroceries1.25xDineDining and takeout1.25xGasGas and EV charging1.25xAirFlights1.25xHotelHotels and car rentals1.25xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #7 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $854 after fees.
- Year 1. $351 = welcome bonus $100 + rewards $251.
- Each year after. $251 = rewards $251.
- Against #6. Trails Capital One Venture X by $434 over 3 years, mostly on annual fees (+$1,185).
- Against #8. Beats Capital One Platinum by $854 over 3 years, mostly on rewards on spending (+$754).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #8
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$0Year 2+$03 years $0 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+$0Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #8 of 8. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
- Year 1. $0 = nothing.
- Each year after. $0 = nothing.
- Against #7. Trails Capital One VentureOne by $854 over 3 years, mostly on rewards on spending (−$754).
Verified Oct 16, 2026Every term and assumption
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
points at their cash value, after fees. "~" marks estimates.
| Card | Student | Couple | Family | Frequent traveller | Big spender |
|---|---|---|---|---|---|
| Capital One Savor | $861 | $1,825 | $2,299 | $2,418 | $4,621 |
| Capital One Quicksilver | $732 | $1,580 | $2,009 | $2,295 | $4,498 |
| Capital One Quicksilver Secured | $532 | $1,380 | $1,809 | $2,095 | $4,298 |
| Capital One QuicksilverOne | $415 | $1,263 | $1,692 | $1,978 | $4,181 |
| Capital One Venture | $292 | $1,232 | $1,518 | $1,709 | $3,178 |
| Capital One Venture X | $62 | $1,002 | $1,288 | $1,479 | $2,948 |
| Capital One VentureOne | $322 | $675 | $854 | $973 | $1,891 |
| Capital One Platinum | $0 | $0 | $0 | $0 | $0 |
Frequently asked questions
Which Capital One card is best?
On a family's spending, Capital One Savor is worth the most over 3 years ($2,299).
What do Capital One cards cost?
Annual fees from $0 to $395 across the 8 cards listed here.
What rewards do Capital One cards earn?
Cash back, Capital One miles. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.
Sources
Estimates for information only; not financial advice. See how cards are ranked.