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When looking for a no-annual-fee Capital One card, ask yourself:
Well, yes and no. Capital One offers three cards with an annual fee that have a no-annual-fee counterpart. Here’s a breakdown of how they compare:
Capital One® VentureOne® Rewards Credit Card | Capital One® Venture® Rewards Credit Card | |
---|---|---|
Annual fee | $0 | $95 |
Miles | 1.25x miles on all purchases. | 2x miles on all purchases. |
Signup bonus | 20,000 bonus miles after spending $1,000 in the first 3 months | 60,000 bonus miles after spending $3,000 in the first 3 months. Earn an additional bonus points after you spend in your first . |
Intro APR period | 0% intro APR period on purchases for the first 12 months, a variable APR of 15.49% to 25.49% thereafter | N/A |
Miles earned with a $2,000 monthly spending | 30,000 miles annually | 48,000 miles annually |
Total miles for the first year if you clear the signup bonus | 50,000 miles (around $500 value when redeemed for travel) | 98,000 miles (around $980 value when redeemed for travel) |
Capital One® SavorOne® Cash Rewards Credit Card | Capital One® Savor® Cash Rewards Credit Card | |
---|---|---|
Annual fee | $0 | |
Cash back | 3% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else you buy | 4% cash back on dining and entertainment, 2% at grocery stores and 1% on everything else you buy |
Signup bonus | $250 cash bonus after spending $500 in your first 3 months | $300 cash bonus after spending $3,000 in your first 3 months |
Intro APR period | 0% intro APR period on purchases for the first 15 months, a variable APR of 15.49% to 25.49% thereafter | N/A |
Cash back earned with monthly spending of $800 on dining $800 on groceries $800 on all other purchases | $576 annually | $672 annually | Total cash back for the first year if you clear the signup bonus | $726 | $972 |
Capital One® Quicksilver® Cash Rewards Credit Card | Capital One® QuicksilverOne® Cash Rewards Credit Card | |
---|---|---|
Annual fee | $0 | $39 |
Cash back | 1.5% cash back on all purchases | 1.5% cash back on all purchases |
Signup bonus | $200 cash bonus after spending $500 in your first 3 months | N/A |
Intro APR period | 0% intro APR period on purchases for the first 15 months, a variable APR of 15.49% to 25.49% thereafter | N/A |
Cash back earned with a $2,000 monthly spending | $360 annually | $360 annually |
Total cash back for the first year if you clear the signup bonus | $510 | $360 |
As you can see, paying an annual fee for a Capital One card doesn’t necessarily mean you will get a better card. Weigh your options before choosing a card.
Your Capital One no-annual-fee options include cashback cards, credit-building cards and a travel card. If you’re looking to make interest-free balance transfers, the cashback cards are your only option. You can also get a card with an annual fee, but you’ll only get a slight boost in your rewards rate.
If these cards don’t fit your financial needs, compare other credit cards to see your options.
Pictures: Getty Images
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