Capital One Credit Card Promotions
Capital One is offering lucrative promotions for new credit card applicants. Which deal is right for you? Read this in-depth guide.
Capital One credit cards don't get as much attention as other cards. But there are some excellent promotional bonus offers.
And Capital One has an option for almost everyone, no matter what your credit is.
- Capital One Quicksilver Cash Rewards Credit Card (for Cash Back)
- Capital One Venture Rewards Credit Card (for Travel Rewards)
- Capital One Platinum Credit Card (for Limited Credit)
- Capital One Platinum Secured (for Bad/No Credit)
- Capital One Spark Cash Plus (for Business Cash Back)
- Capital One Spark Miles (for Business Travel Rewards)
Capital One Promotions
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- Capital One Quicksilver: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- Capital One Venture: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening
- Capital One Spark Cash Plus: Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months
Read on for the list of current card promotions for new applicants. Apply for a new Capital One credit card from this list and make the qualifying purchases within the specified timeframe to get the bonus promotion.
Cash Rewards Cards
Capital One Quicksilver Cash Rewards Credit Card offers $200 cash back if you spend $500 on purchases within three months of account opening. This card earns 1.5% cash back on all purchases. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable APR, currently 19.99% to 29.99%. There is no annual fee.
Capital One QuicksilverOne Cash Rewards Credit Card earns 1.5% cash back on all purchases. There is a $39 annual fee.
Travel Reward Cards
Capital One Venture Rewards Credit Card offers 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months. This card earns 2 miles per dollar on all purchases. There are no foreign transaction fees. You get up to $100 credit for Global Entry or TSA Pre✓®. There is a $95 annual fee.
Capital One VentureOne Rewards Credit Card offers a one-time bonus of 20,000 miles if you spend $500 on purchases within three months of account opening. 20,000 miles is equal to $200 in travel. This card earns 1.25 miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There is a 0% intro APR on purchases and balance transfers for 15 months. After that, a variable APR, currently 19.99% to 29.99%. There are no foreign transaction fees. There is no annual fee.
Fair/Limited Credit
Capital One Platinum offers a no annual fee credit card to people with fair credit.
Bad/Limited Credit
Capital One Secured Card reports to the 3 major credit bureaus to help you build credit when used responsibly. This secured credit card's variable APR is 30.49%. You can receive an initial $200 credit line with a security deposit of $49, $99 or $200, depending on your creditworthiness. There is no annual fee.
In-Depth Guide to Capital One Credit Cards
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Which Capital One Deal Is Right for You?
To pick the right card for you, consider the following factors:
- Your credit score: The good thing about Capital One is that they offer credit cards for a range of credit scores. Your credit score will largely determine what card you're able to quality for. Below, we tell you the credit qualification for each card.
- Annual fee: How often will you use your new Capital One card? Cards with annual fees usually offer more rewards or benefits. But before you apply for the credit card, think: will you realistically earn enough in rewards to make up for the expense?
- Cash back vs travel miles: Cash back will allow you to use the rewards however you like. But if you like to travel, Capital One's travel reward cards allow you to earn miles for travel purchases and offer great travel benefits.
Capital One Credit Card Offers for New Applicants
New Application: Before you apply for a new Capital One card, here are some things you need to know.
- You can see which cards you're pre-approved for on Capital One's website.
- You can only have 2 personal Capital One cards at a time.
- You will not be matched to a higher bonus if a better offer comes along after your application. Make sure you're applying when the bonus is the biggest.
- Capital One business cards do show up on your personal credit report as well.
- Capital One does a hard pull from all 3 credit bureaus when reviewing your application.
We'll make your decision simpler with side-by-side Capital One offers comparisons below.
Earn Cash Back: Capital One Quicksilver Cards
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If you'd prefer cash back, Capital One has two options: Quicksilver and Quicksilver One.
Capital One Quicksilver Cash Rewards Credit Card | Capital One QuicksilverOne Cash Rewards Credit Card | |
|---|---|---|
Interest Rates and Fees | ||
| Introductory APR for Purchases | 0% intro on purchases for 15 months | N/A |
| Introductory APR for Balance Transfers | 0% intro on purchases for 15 months | N/A |
| Purchase APR | 19.99% to 29.99% (Variable) based on your creditworthiness and other factors | 30.49% (Variable) based on your creditworthiness and other factors |
| Balance Transfers APR | 19.99% to 29.99% (Variable) based on your creditworthiness and other factors | 30.49% (Variable) based on your creditworthiness and other factors |
| Balance Transfer Fee | 3% of the amount of each transfer that posts to your account within the first 15 months. | No balance transfer fee |
| Annual Fee | ||
Benefits and Features | ||
| Introductory Bonus Cash Back | $200 Cash Back after you spend $500 on purchases within 3 months from account opening | |
| Cash Back Rewards | Earn 1.5% cash back on every purchase | Earn 1.5% cash back on every purchase |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One Quicksilver: Pricing information including interest rates, rewards, benefits and fees was obtained on March 30, 2023 from published websites and is believed to be accurate, but not guaranteed. Capital One QuicksilverOne: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 from published websites and is believed to be accurate, but not guaranteed. Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Disclaimer: The information for the Capital One Quicksilver Cash Rewards Credit Card and Capital One QuicksilverOne Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. | ||
Both cards offer 1.5% cash back on all purchases. The difference is that they cater to people with different credit ranges.
- Capital One Quicksilver (read review) is for those with excellent credit. It has a bonus offer of $200 if you spend $500 within three months of account opening. It also has a 0% intro APR on purchases and balance transfers for 15 months. After that, the APR is 19.99% - 29.99% (Variable).
- In comparison, Capital One QuicksilverOne is for those with fair/average credit. It has no bonus offer and no intro APR. There is an annual fee of $39. But it's rare to find a reward card for those with fair credit.
To make up for the $39 annual fee, you would have to spend at least $2,600 in a year ($217/month) on your card. With 1.5% cash back on every purchase, that would equal $39, breaking even.
Travel Rewards Promotions: Venture Cards
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If you like to travel, consider one of Capital One's travel reward cards. You earn "miles" that you can use towards any travel purchase on your statement.
Capital One offers two travel reward cards: Venture and VentureOne. Both give you travel miles, but one has more rewards and an annual fee.
Capital One Venture Rewards Credit Card | Capital One VentureOne Rewards Credit Card | |
|---|---|---|
Interest Rates and Fees | ||
| Introductory APR for Purchases | N/A | 0% intro on purchases for 15 months |
| Introductory APR for Balance Transfers | N/A | 0% intro on balance transfers |
| Purchase APR | 20.99% to 28.99% (Variable) based on your creditworthiness and other factors | 19.99% to 29.99% (Variable) based on your creditworthiness and other factors |
| Balance Transfers APR | 20.99% to 28.99% (Variable) based on your creditworthiness and other factors | 19.99% to 29.99% (Variable) based on your creditworthiness and other factors |
| Balance Transfer Fee | No balance transfer fee | 3% of the amount of each transfer. |
| Annual Fee | ||
Benefits and Features | ||
| Introductory Bonus Airline Rewards | Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening | Earn a one-time bonus of 20,000 miles if you spend $500 on purchases within three months of account opening (worth $200 in travel) |
| Travel Rewards | Earn 2 miles per dollar on all purchases. Redeem your miles for travel purchases or transfer your miles to over 10+ travel loyalty programs. | Earn 1.25 miles per dollar on all purchases. Redeem your miles for travel purchases on any airline, hotel, or car rental. |
| Airline Rewards | Earn 2 miles per dollar on all purchases | Earn 1.25 miles per dollar on all purchases. |
| Airline Transfer Partners | Capital One transfer partners include Aeromexico, Air Canada, Air France/KLM, Avianca, Cathay Pacific, Emirates, Etihad, EVA, Finnair, Hainan, Qantas, Qatar, and Singapore Airlines. | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One Venture: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 from published websites and is believed to be accurate, but not guaranteed. Capital One VentureOne: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 from published websites and is believed to be accurate, but not guaranteed. Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Disclaimer: The information for the Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. | ||
Capital One VentureOne has no annual fee, but offers less rewards. You get 1.25x miles on all purchases. You get 20,000 bonus miles (equals $200) if you spend $500 on purchases within three months of account opening. Another advantage is that it has an intro APR on purchases.
You generally need excellent credit for these travel reward cards.
If you don't travel often, then consider whether a cash back card (like the Quicksilver) is better since it has no annual fee and gives you 1.5% back (instead of just 1.25x for the VentureOne).
Capital One for Limited Credit
If your credit score is less than stellar, there are a couple of options for you too.
- Capital One Platinum is for those with fair or limited credit. It's usually hard to get a credit card with no annual fee when you have lower credit. So it's great that Capital One provides this option. There are no rewards, though.
- Capital One Platinum Secured may be your only option if you have bad or no credit at all. You need to put down a cash deposit, which becomes the "security." The good thing about Capital One's Secured card is that you may qualify for a higher credit line than your deposit. Depending on your credit history, you may only need to put down a $49 deposit to receive a $200 credit line. There is no annual fee.
Capital One for Small Business
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You don't have to be a large corporation to get a business credit card from Capital One. Are you a freelancer? Do you have a side gig?
You spend a lot of money running your business. Why not take advantage of that spend?
Capital One offers several small business cards for cash back and travel miles. Read on for the latest Capital One business credit card promotions.
Business Credit Cards with Cash Back
Capital One Spark Cash Plus | Capital One Spark Cash Select for Business | |
|---|---|---|
Interest Rates and Fees | ||
| Purchase APR | N/A | 18.24% to 24.24% (Variable) based on your creditworthiness and other factors |
| Balance Transfers APR | N/A | 18.24% to 24.24% (Variable) based on your creditworthiness and other factors |
| Annual Fee | ||
Benefits and Features | ||
| Introductory Bonus Cash Back | Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months | Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening |
| Cash Back Rewards | Earn 2% cash back on every purchase | Earn 1.5% cash back on every purchase |
| Bonus Cash Back | Earn an annual $200 cash bonus every year you spend $200,000 or more. | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One Spark Cash Plus: Pricing information including interest rates, rewards, benefits and fees was obtained on May 10, 2022 from published websites and is believed to be accurate, but not guaranteed. Capital One Spark Cash Select: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 from published websites and is believed to be accurate, but not guaranteed. Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Disclaimer: The information for the Capital One Spark Cash Plus and Capital One Spark Cash Select for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. | ||
The Spark Cash Plus has a lot larger bonus and you get more back for each dollar you spend.
If your business is new, you may like the no-annual-fee Capital One Spark Cash Select. This is good if you don't yet have steady cash flow.
Business Travel Rewards
Capital One Spark Miles for Business | Spark Miles Select from Capital One | |
|---|---|---|
Interest Rates and Fees | ||
| Purchase APR | 25.99% (Variable) based on your creditworthiness and other factors | 17.99% to 23.99% (Variable) based on your creditworthiness and other factors |
| Balance Transfers APR | 25.99% (Variable) based on your creditworthiness and other factors | 17.99% to 23.99% (Variable) based on your creditworthiness and other factors |
| Balance Transfer Fee | No balance transfer fee | No balance transfer fee |
| Annual Fee | $0 intro annual fee for first year; $95 after that | |
Benefits and Features | ||
| Introductory Bonus Airline Rewards | Earn a one-time bonus of 50,000 miles after you spend $4,500 on purchases within the first 3 months. | Get a 20,000 miles bonus if you spend $3,000 on purchases within the first 3 months of account opening. |
| Travel Rewards | Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions. | Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions. |
| Airline Rewards | Earn 2 miles per dollar on every purchase | Earn 1.5 miles per dollar on every purchase. You can fly on any airline, anytime, with no blackout dates or seat restrictions. |
Capital One Spark Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 from published websites and is believed to be accurate, but not guaranteed. Capital One Spark Miles Select: Pricing information including interest rates, rewards, benefits and fees was obtained on June 29, 2023 from published websites and is believed to be accurate, but not guaranteed. Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Disclaimer: The information for the Capital One Spark Miles for Business and Spark Miles Select from Capital One has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. | ||
If your business has travel needs, consider one of these travel reward cards instead. Remember, you don't exactly get "miles" to use with airlines. They're more like general travel points that you can apply toward any travel purchase on your statement (flights, hotels, car rentals, taxis, etc.).
Just like their cashback cousins, the Capital One Spark Miles is better if your business has higher expenses, while the Capital One Spark Miles Select is better for new businesses.
Bonus Promotions: Making Your Choice
Hopefully, certain bonuses stuck out for you as you looked down this list. Which card is the best fit for you depends on your spending patterns and what you hope to get out of your credit card. As with any credit decision, research is important to make sure you pick the card that's best for your specific financial situation.
Remember: as with all credit card and bank offers, terms and limitations apply.
Write to Anna G at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.
Disclaimer: The information for the Capital One Venture Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Spark Classic from Capital One, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Spark Cash Plus, Capital One Spark Miles for Business, Capital One VentureOne Rewards Credit Card, Capital One Spark Cash Select for Business, Spark Miles Select from Capital One, Capital One Platinum Credit Card, and Capital One Platinum Secured has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
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