Best Capital One cashback cards | finder.com

Best Capital One cashback cards

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Get rewarded whether you’re a foodie on the go or you spend evenly across the board.

If you’re looking to get a Capital One cashback credit card you have four options. Depending on the specific card, you can find a long intro APR period on balance transfers and purchases, a generous signup bonus or a card aimed at those with fair credit.

Compare Capital One cashback credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
26.99% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
16.24%, 22.24% or 26.24% variable
$0
Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Earn 1.5% cash back on all purchases
16.24%, 22.24% or 26.24% variable
$0
Earn unlimited 1.5% cash back on every purchase, every day
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.
16.74%, 22.24% or 25.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 4% cash back on dining, 2% on groceries and 1% on all other purchases.

Compare up to 4 providers

Best Capital One cashback credit cards

Best for flat-rate cash back: QuicksilverOne® from Capital One®

QuicksilverOne® from Capital One®
QuicksilverOne® from Capital One® can be a solid choice for those with fair credit. You get to earn unlimited cash back on all of your purchases, and there’s also the potential for upgrading your card with timely payments.

  • Earn unlimited 1.5% cash back on everything you buy.
  • You can apply with a fair credit score of 580 or higher.
  • Pay your balance on time for five consecutive months and you’ll be eligible for a higher credit line.

Best for rotating-bonus-category cash back: SavorOne℠ Rewards from Capital One®

SavorOne℠ Rewards from Capital One®
If you’re a socialite looking to earn accelerated cash back, consider the SavorOne℠ Rewards from Capital One®.

  • Earn 3% back on dining and entertainment, 2% back at grocery stores and 1% back on all other purchases.
  • Earn a signup bonus of $150 when you spend $500 on purchases within 3 months of your account opening.
  • Enjoy an intro APR on purchases and balance transfers.
  • No annual fee.

Best for tiered business cash back: Quicksilver® from Capital One®

Quicksilver® from Capital One®
Quicksilver® from Capital One® can be a great choice if you’re looking to earn unlimited cash back on everything you buy.

  • Earn unlimited 1.5% cash back on all purchases.
  • Spend $500 on purchases within your first 3 months of card membership and earn a $150 cash bonus.
  • Intro APR period on balance transfers and purchases.
  • No annual fee.

Best for Amazon purchases: Savor® Rewards from Capital One®

Savor® Rewards from Capital One®
If you mostly spend on dining and entertainment and you’re looking to get the highest signup bonus, Savor® Rewards from Capital One® could be a solid choice.

  • Earn a $500 cash bonus once you spend $3,000 on purchases during your first 3 months of card membership.
  • Get 4% cash back on dining and entertainment purchases, 2% on groceries and 1% back on all other purchases.
  • Your credit line depends on multiple factors. However, with this card, you won’t get a lower credit line than $5,000.

How to compare Capital One cashback credit cards

If you’re not sure which Capital One cashback credit card is right for you, ask yourself:

  • Do you have fair credit? For a small annual fee, QuicksilverOne® from Capital One® lets you earn unlimited cash back on everything you buy. And with timely payments, you can build your credit and potentially upgrade to the no-annual-fee Quicksilver® from Capital One®.
  • Do you mostly spend on dining and entertainment? Both Savor® Rewards from Capital One® or SavorOne℠ Rewards from Capital One®s could fit the bill. Figuring out if you’re willing to pay an annual fee to get more rewards can help you decide between the two.
  • Do you value signup bonuses? In that case, Savor® Rewards from Capital One® could be your best option. It offers the highest signup bonus compared to all other Capital One cashback cards. Just keep an eye on the annual fee.
  • Do you want to earn flat cash back on all purchases? If you have a fair score, consider QuicksilverOne® from Capital One® — otherwise, Quicksilver® from Capital One® is the better choice with no annual fee.

Consider a top card from another brand

Chase Freedom®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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Bottom line

Capital One comes with one of the highest credit card APRs on the market. But if you pay your balance on time, you can benefit from accelerated cash back on dining and entertainment purchases or you can get flat cash back on everything you buy.

For a better APR or different rewards categories, look for other cashback credit cards and compare your options.

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