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Offers for the Capital One Savor Cash Rewards for Good Credit, Capital One Quicksilver Cash Rewards for Good Credit and Capital One Spark Classic for Business are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
Trying to find the right cash-back card for your wallet?
Capital One offers a lineup of cash-back credit cards that can help you earn rewards on everyday spending, whether you prefer a simple flat-rate earning structure or bonus categories that match your spending. Each card comes with its own combination of welcome offers, rewards rates, fees, and benefits, making it worth comparing your options before applying.
In this article, we'll compare Capital One's cash-back credit cards to help you decide which one is the best fit for you.
Overview of Capital One Cash-Back Credit Cards
Capital One's cash-back cards include options for a variety of spending habits and credit profiles. Some cards offer elevated rewards in major categories such as dining, entertainment, and grocery stores. There are also options for students, those trying to build or rebuild credit, and small-business owners.
Unlike Capital One's travel rewards cards, the cards in this guide earn cash back. That makes them a straightforward option for cardholders who prefer rewards redeemable as statement credits, checks, or other cash-equivalent options.
Best Capital One Cash-Back Cards
$0
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5% cash back on purchases through Capital One Entertainment
- 1.5% cash back on every purchase, every day
$0
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
Capital One Quicksilver Cash Rewards Credit Card
Welcome offer: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Earning structure:
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5% cash back on purchases through Capital One Entertainment
- 1.5% cash back on every purchase, every day
Notable perks: 0% intro APR on purchases and 0% intro APR on balance transfers for 15 months, and no foreign transaction fees
Annual fee: $0
Our take: The Capital One Quicksilver Cash Rewards Credit Card is a good fit for cardholders who prefer a low-maintenance cash-back card and don't want to keep track of bonus categories. Along with unlimited 1.5% cash back on purchases, it offers 0% intro APR on purchases and 0% intro APR on balance transfers for 15 months, which can be valuable for financing a large purchase or paying down existing debt.
However, cardholders willing to manage bonus categories can earn more rewards with other cards in Capital One's lineup.
Capital One Savor Cash Rewards Credit Card
Welcome offer: Earn $250 Cash Back after you spend $500 on purchases within 3 months from account opening
Earning structure:
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
Notable perks: 0% intro on purchases and 0% intro on balance transfers for 12 months, and no foreign transaction fees
Annual fee: $0
Our take: If a chunk of your budget goes toward dining, entertainment, and streaming services, the Capital One Savor Cash Rewards Credit Card is one of the strongest no-annual-fee options in Capital One's lineup. The card rewards spending categories that many people use every week while also offering an intro APR on purchases and balance transfers for 12 months.
On the other hand, those who don't spend much in the card's bonus categories will most likely get more value from a flat-rate cash-back option.
Capital One Small Business Cash-Back Cards
$150
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.
$0 intro for first year;
$95 after that
- 2% Cash Back on every purchase
- 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
$0
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Business Travel
Capital One Spark Cash Plus
Welcome offer: Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Earning structure:
- 2% Cash Back on every purchase. 5% Cash Back on hotels and rental cars booked through Capital One Business Travel.
Notable perks: Free employee cards and spending-based cash bonuses
Annual fee: $150
Our take: The Capital One Spark Cash Plus is best suited for businesses with substantial ongoing expenses. Its straightforward rewards structure makes it easy to earn cash back without tracking bonus categories, while the ability to earn additional cash bonuses based on annual spending can further boost its value for high-spending companies.
The card's $150 annual fee may be difficult to justify for smaller businesses, but companies with significant purchasing volume can potentially earn enough rewards to offset the cost many times over.
Capital One Spark Cash
Welcome offer: Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening
Earning structure:
- 2% Cash Back on every purchase
- 5% Cash Back on hotels and rental cars booked through Capital One Business Travel
Notable perks: Roadside assistance and free employee cards
Annual fee: $0 intro for first year; $95 after that
Our take: The Capital One Spark Cash is a good fit for business owners who want consistent rewards on every purchase and spend enough each year to justify its annual fee. The unlimited 2% cash-back rate makes it easy to earn rewards without tracking bonus categories, which can be especially valuable for businesses with large or recurring expenses.
While there are less expensive options available, businesses that put significant spending on their cards may find the higher earning rate worth the added cost.
Capital One Spark Cash Select
Welcome offer: Earn $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Earning structure:
- 1.5% cashback on every purchase
- 5% cash back on hotels and rental cars booked through Capital One Business Travel
Notable perks: Roadside assistance and free employee cards
Annual fee: $0
Our take: The Capital One Spark Cash Select is a strong option for business owners who want to earn cash back without paying an annual fee. Its flat-rate earning structure makes it easy to earn rewards on every purchase without tracking bonus categories or spending caps.
While it doesn't earn as much cash back as the Capital One Spark Cash, the lack of an annual fee may make it the better fit for businesses with modest spending or those looking to keep costs low.
Capital One Spark Classic for Business
Welcome offer: N/A
Earning structure:
- Unlimited 1% cash back on every purchase
Notable perks: Roadside assistance and free employee cards
Annual fee: $0
Our take: The Capital One Spark Classic for Business is designed for business owners with fair or limited credit who may not qualify for Capital One's more rewarding business cards. While its earning rate trails the rest of the Spark lineup, it still provides an opportunity to earn cash back while building business credit.
Businesses with stronger credit profiles will likely find more value in one of Capital One's other Spark cards. However, for those looking to establish or improve their credit, the Spark Classic can serve as a useful stepping stone.
Capital One Cash-Back Cards for Rebuilding Credit
$39
- Earn 8% cash back on Capital One Entertainment purchases
- Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
- Earn 3% cash back on dining, entertainment, and popular streaming services
- Earn 1% cash back on all other eligible purchases
$39
- 5% cash back on purchases through Capital One Entertainment
- 5% Cash Back on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- 1.5% cash back on every purchase.
Capital One SavorOne Cash Rewards Credit Card
Welcome offer: N/A
Earning structure:
- Earn 8% cash back on Capital One Entertainment purchases
- Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
- Earn 3% cash back on dining, entertainment, and popular streaming services
- Earn 1% cash back on all other eligible purchases
Notable perks: Travel accident insurance and no foreign transaction fees
Annual fee: $39
Our take: The Capital One SavorOne Cash Rewards Credit Card offers stronger rewards than many cards aimed at consumers with fair credit, particularly for those who spend regularly on dining, groceries, entertainment, and streaming services.
However, the card's annual fee means you'll want to make sure you can take advantage of its bonus categories often enough to justify the cost. For some cardholders, paying a modest annual fee may be worthwhile for the higher earning rates. Others may find better value in a no-annual-fee alternative.
Capital One QuicksilverOne Cash Rewards Credit Card
Welcome offer: N/A
Earning structure:
- 5% cash back on purchases through Capital One Entertainment
- 5% Cash Back on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- 1.5% cash back on every purchase.
Notable perks: 50% off handcrafted beverages at Capital One Cafes and no foreign transaction fees
Annual fee: $39
Our take: The Capital One QuicksilverOne Cash Rewards Credit Card is designed for consumers who are building or rebuilding their credit and want a straightforward cash-back card. It's also easy to use as an everyday spending option and can be a practical companion when traveling abroad.
However, if you're considering this card, you should weigh its annual fee against the rewards you'll earn. There's a good chance other Capital One cards offer stronger rewards and better benefits if you're a qualified applicant.
Capital One Quicksilver Cash Rewards for Good Credit
Welcome offer: N/A
Earning structure:
- 5% cash back on hotels, rental cars, and vacation rentals booked through Capital One Travel
- 1.5% cash back on all other purchases
Notable perks: Automatic consideration for a higher credit line in as little as six months
Annual fee: $0
Our take: Not everyone qualifies for premium credit cards right away. For those with good credit, the Quicksilver for Good Credit offers a simple way to earn cash back without paying an annual fee. With a single earning rate on most purchases, cardholders can earn rewards without adjusting their spending habits to fit bonus categories.
Capital One Savor Cash Rewards for Good Credit
Welcome offer: N/A
Earning structure:
- 8% cash back on Capital One Entertainment purchases
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services
- 1% on all other purchases
Notable perks: Complimentary concierge service and no foreign transaction fees
Annual fee: $0
Our take: The proves that you don't need an excellent credit score to earn meaningful rewards. With bonus categories that cover many everyday purchases, it's a strong fit for cardholders who spend regularly on dining, groceries, entertainment, and streaming services.
The card also charges no annual fee or foreign transaction fees, making it a practical choice for both everyday spending and international travel. For eligible applicants with good credit, it's one of the most rewarding cash-back cards in Capital One's lineup.
Capital One Cash-Back Cards for Students
$0
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 1.5% cash back on every purchase
$0
- 8% Cash Back on Capital One Entertainment purchases.
- 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
- 3% Cash Back on dining, entertainment, and popular streaming services.
- 1% Cash Back on all other purchases.
- 1.5% cash back on every purchase, every day
Capital One Quicksilver Student Cash Rewards Credit Card
Welcome offer: Earn $100 Cash Back when you spend $300 in the first three months
Earning structure:
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 1.5% cash back on every purchase
Notable perks: Complimentary access to CreditWise and no foreign transaction fees
Annual fee: $0
Our take: Many folks get their first credit card while in college — I certainly did. The Capital One Quicksilver Student Cash Rewards Credit Card gives students a chance to earn rewards on everyday spending while building credit responsibly.
The combination of everyday rewards, no foreign transaction fees, and elevated earnings on travel booked through Capital One Travel makes it a practical option for students, especially those who plan to study abroad or travel during school breaks. It also serves as a solid entry point into the Capital One ecosystem, with opportunities to upgrade to a more rewarding card down the road.
Welcome offer: Earn $100 Cash Back when you spend $300 in the first three months
Earning structure:
- 8% Cash Back on Capital One Entertainment purchases.
- 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel.
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®).
- 3% Cash Back on dining, entertainment, and popular streaming services.
- 1% Cash Back on all other purchases.
Notable perks: Automatic consideration for a higher credit line in as little as six months and no foreign transaction fees
Annual fee: $0
Our take: The Capital One Savor Student Cash Rewards Credit Card offers a rewards structure that's stronger than many student credit cards on the market. Students who regularly spend on dining, entertainment, and other eligible bonus categories can earn elevated rewards on purchases they're already making.
Combined with no foreign transaction fees, it's a compelling option for students who want to build credit while maximizing their earning potential.
Capital One Quicksilver Secured Cash Rewards Credit Card
Welcome offer: N/A
Earning structure:
- 1.5% cash back on every purchase, every day
Notable perks: Potential to upgrade to an unsecured card with responsible use and no foreign transaction fees
Annual fee: $0
Our take: Secured credit cards aren't typically known for generous rewards, which helps the Capital One Quicksilver Secured Cash Rewards Credit Card stand out from the crowd. Cardholders can earn cash back on purchases while working to establish or rebuild their credit.
The card requires a refundable security deposit of at least $200, which serves as collateral for the account. While that upfront cost may not appeal to everyone, it's a common feature among secured cards and can help consumers access credit while building a positive payment history.
Bottom Line
Capital One has built a surprisingly diverse lineup of cash-back credit cards. From students and small-business owners to consumers building credit and rewards enthusiasts looking to maximize everyday spending, there's a card designed for a wide range of financial situations.
Before applying, consider where you spend the most money and whether you'd rather maximize bonus categories or keep things simple with a flat-rate rewards card. Choosing the right fit can help you get more value from every purchase.
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