capital one beginner credit card

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Capital One Quicksilver Card Review - Best Credit Card For Beginners?!

Capital one beginner credit card -

At a glance

In recent years, more credit card issuers have started offering metal cards. They range widely in their annual fees, additional benefits, and weights.

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The information related to Capital One Savor Cash Rewards Credit Card, IHG® Rewards Club Premier Credit Card, United Club℠ Infinite Card, Amazon Business Prime American Express Card, American Express® Business Gold Card, and The Business Platinum Card® from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Best Metal Credit Cards

 

The American Express Centurion® Card (or “black” card) was one of the first metal credit cards. Unfortunately, it’s invitation-only and costs $5,000 per year.

Banks have started offering more metal credit cards in recent years, and the annual fees are much lower.

Some people like the feel of a metal credit card and the reactions they get when making purchases. Metal credit cards are usually heavier than regular plastic cards. You may want one for the practicality: members of our team have used a Chase Sapphire Preferred to scrape ice off a car window in the winter, and to open a door after getting locked out.

Here’s a list of our favorites that you can actually apply for directly, followed by a full alphabetical list of 28 metal cards.

Best Metal Credit Cards of 2021

Card details

The Mastercard Titanium Card is a thick, heavy metal rewards credit card.

It earns 1X point per dollar and provides a host of benefits geared toward the frequent traveler. You may be able to get more rewards or benefits with other cards that are less expensive, but if you’re looking for the heaviest card with the lowest annual fee, this is it.

  • Min. Credit LevelExcellent
  • Annual Fee$195
  • Purchase APR14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1% cash back
    • Airfare redemption value: 2% cash back

Introductory bonus

None
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR14.99% Variable
  • Balance Transfer Fee3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
Card details

If you’re looking for a thick, black, heavy metal credit card, this is it. Unlike the American Express Centurion card, this is card is available without an invitation.

The rewards program is not the most valuable out there, but this card card does include airport lounge access, a $100 travel credit, a live chat concierge in the Luxury Card mobile app, and thousands of dollars in possible credits at hotels.

  • Min. Credit LevelExcellent
  • Annual Fee$495
  • Purchase APR14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 months
  • Regular Balance Transfer APR14.99% Variable
  • Balance Transfer Fee3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
Card details

If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you.

It has high-end travel benefits, but only earns the equivalent of 2% cash back on all purchases.

  • Min. Credit LevelExcellent
  • Annual Fee$995
  • Purchase APR14.99% Variable
Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 2% cash back
    • Airfare redemption value: 2% cash back
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR 0% for 15 billing cycles
  • Regular Balance Transfer APR14.99% Variable
  • Balance Transfer Fee3% ($5 min)
How to Transfer a Balance on a Credit Card
Fees
Card details

If you’re a Prime subscriber, there’s pretty much no reason not to get this card. You’ll get 5% back on Amazon purchases and there’s no annual fee for the card.

This is probably the cheapest option if you’re trying to get a metal card without paying a high annual fee as long as you’re subscribed to Prime. Read our full review of both Amazon Visa cards here.

  • Min. Credit LevelFair
  • Annual Fee$0
  • Purchase APR14.24% to 22.24% Variable
Rewards
  • 5% cash back at:
    • Amazon.com
    • Whole Foods Market
  • 2% cash back at:
    • Gas Stations
    • Restaurants
    • Drugstores
  • 1% cash back on all other purchases

Introductory bonus

$100 Amazon.com Gift Card instantly upon approval
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR N/A
  • Regular Balance Transfer APR14.24% to 22.24% Variable
  • Balance Transfer Fee5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
Card details

This card is loaded with benefits like airport lounge access and travel credits. It’s made of metal and has a dark blue and black design. When you look at benefits and cost, it’s in the same category as the Platinum Card from American Express. The Sapphire Reserve offers 3x Ultimate Rewards points per dollar on travel and dining, compared to 2X on the Chase Sapphire Preferred.

It has a relatively high annual fee of $450 compared to most credit cards, but you can easily make up for that if you use all the benefits, credits, and rewards. Read our review of this card here.

  • Min. Credit LevelExcellent
  • Annual Fee$550
  • Purchase APR16.99% - 23.99% Variable
Rewards
  • 10X Ultimate Rewards points per dollar:
    • Chase Dining through Ultimate Rewards
Источник: https://www.creditcardinsider.com/blog/metal-credit-cards/

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Источник: https://www.investopedia.com/capital-one-quicksilver-credit-card-review-4795865

Best Capital One Credit Cards Of November 2021

Best Capital One Credit Cards

Best premium travel card

Capital One Venture X Rewards Credit Card

Up to 10X Reward Rate

Earn 2 miles per dollar on all eligible purchases and 5 miles per dollar on flights and 10 miles perRead More

Welcome Bonus

100,000 miles

Regular APR

16.99% - 23.99% (Variable)

Credit Score

Excellent (750 - 850)

Pros & Cons

  • Annual fee lower than others in its category
  • Annual travel credit and anniversary points alone could justify the annual fee
  • Points are easy to earn and easy to use
  • Lack of domestic airline and upscale hotel travel partners
  • Capital One lounge network in its infancy
  • Lack of hotel status benefits

Card Details

  • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
  • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get our best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
  • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

Best for dining and entertainment rewards

Savor Rewards Credit Card *

Savor Rewards Credit Card

Up to 4% Reward Rate

Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1%Read More

Welcome Bonus

One-time $300 cash bonus

Regular APR

15.99% - 23.99% variable for purchases and balance transfers

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. It's easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cash back on all other purchases.

Pros & Cons

  • 4% cash back on eligible categories
  • Entertainment is a rare rewards category
  • No foreign transaction fees
  • Unlimited reward earnings
  • Annual fee
  • No introductory APR for purchases or balance transfers
  • Higher standard APR

Card Details

  • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
  • Earn unlimited 3% cash back at grocery stores
  • Earn unlimited 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn

Best for earning travel rewards with a moderate annual fee

Capital One Venture Rewards Credit Card

Up to 5X Reward Rate

Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase,Read More

Welcome Bonus

60,000 miles

Regular APR

15.99% - 23.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

Casual travelers who don't plan to carry a balance will find good value in this card's rewards rate.

Pros & Cons

  • High rewards rate
  • Solid welcome bonus
  • No intro APR offer
  • Annual fee

Card Details

  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • No foreign transaction fees

Best for earning travel rewards with no annual fee

Capital One VentureOne Rewards Credit Card

Up to 5X Reward Rate

Earn 5X miles on hotels and rental cars booked through Capital One Travel, and earn unlimited 1.25X miles on everyRead More

Welcome Bonus

20,000 miles

Regular APR

14.99% - 24.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

This card is a good choice for those who don’t travel enough to justify a high-annual-fee alternative.

Pros & Cons

  • No foreign transaction fee
  • No annual fee
  • No penalty APR
  • Ongoing rewards rate is relatively low
  • Welcome bonus is mediocre

Card Details

  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that

Best for earning flat rate cash back

Capital One Quicksilver Cash Rewards Credit Card

1.5% Cash Back

Earn unlimited 1.5% cash back on every purchase, every day

Regular APR

14.99% - 24.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

This card is a good value all-rounder, offering an intro APR period, no annual fee and a simple 1.5% unlimited cashback rate on all purchases.

Pros & Cons

  • No spending category enrollment
  • No cashback rewards limits
  • No foreign transaction fee
  • Low spending requirement to earn welcome bonus
  • No bonus spending categories to boost rewards
  • High regular APR

Card Details

  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
  • $0 annual fee and no foreign transaction fees

Best no-annual-fee card for dining and entertainment rewards

Capital One SavorOne Cash Rewards Credit Card

Up to 3% Cash Back

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More

Regular APR

14.99% - 24.99% (Variable)

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores and on entertainment. With its 3% cash back rate in those categories, it's a win for socialites that don't want to pay for an annual fee.

Pros & Cons

  • No annual fee
  • Unlimited 3% cash back in popular categories
  • No foreign transaction fees
  • Easy-to-redeem cash back rewards
  • High standard rate APR
  • Limited cash back reward categories

Card Details

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee

Best for fair credit

Capital One Platinum Credit Card

Regular APR

26.99% (Variable)

Credit Score

Average, Fair, Limited

Why We Picked It

If you've got fair credit, the Capital One Platinum Credit Card offers a no-frills path to get back on your feet. Since there's no annual fee, this can be a low cost option if you make your payments on time and don't carry a balance. Given the shockingly high APR, it's wise to use the card for everyday expenses and pay the balance in full.

Pros & Cons

  • No foreign transaction fees
  • Applicants with fair credit may be approved
  • Increased credit line possible in as little as 6 months
  • Very high variable APR
  • No rewards program
  • No welcome bonus or intro APR offer
  • 3% cash advance fee (min $10)

Card Details

  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

Best for earning a flat rate of cash back on all purchases

Capital One QuicksilverOne Cash Rewards Credit Card

1.5% Reward Rate

Earn unlimited 1.5% cash back on every purchase, every day.

Regular APR

26.99% (Variable)

Credit Score

Average, Fair, Limited

Why We Picked It

A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.

Pros & Cons

  • Unlimited 1.5% cashback rewards
  • Average credit applicants considered
  • No foreign transaction fee
  • Rewards don’t expire
  • High APR
  • No bonus spending categories to boost rewards
  • No welcome offer
  • No intro APR offer

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Best for Walmart

Capital One® Walmart Rewards® Card *

Capital One® Walmart Rewards® Card

Up to 5% Reward Rate

Earn 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery; Earn 2% back on restaurantsRead More

Welcome Bonus

5% cash back for the first 12 months

Regular APR

17.99% - 26.99% Variable APR on purchases and balance transfers

Credit Score

Fair (650 - 699)

Why We Picked It

The card offers excellent rewards for those who frequently shop at Walmart, particularly online. With no annual fee, it's a sweet deal to earn up to 5% cash back.

Pros & Cons

  • Up to 5% cash back
  • 2% cash back at restaurants and travel
  • No annual fee or foreign transaction fee
  • Applicants with average credit may qualify
  • Base reward rate of 1% could be better
  • High to very high APR, depending on creditworthiness
  • No intro APR offer

Card Details

  • Earn 5% cash back in Walmart stores for the first 12 months when you use your Capital One® Walmart Rewards
  • 17.99% – 26.99% Variable APR on purchases and balance transfers
  • No annual fee
  • 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery
  • 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA Fuel Stations
  • 1% back everywhere else Mastercard® is accepted
  • Ways to redeem rewards: Use rewards during checkout at Walmart.com, redeem for a purchase, get an account credit, redeem for gift cards from Walmart or other retailers, or redeem for flights, hotels, and car rentals
  • $0 fraud liability: If your card is ever lost or stolen, you won’t be responsible for fraudulent purchases
  • Capital One Mobile app: Pay your bill, get real-time purchase notifications, lock or unlock your card and more.

Best for students for dining and entertainment rewards

Capital One SavorOne Student Cash Rewards Credit Card

Источник: https://www.forbes.com/advisor/credit-cards/best/capital-one/

Find the card that fits your life

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Just tell us a bit about what you're looking for in a card.

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      • The NEW AARP(registered trademark) Essential Rewards Mastercard (registered trademark) from Barclays

        The NEW AARP® Essential Rewards Mastercard® from Barclays

        • Earn a $150 Cash Back Bonus

          after spending $500 on purchases in the first 90 days

        • Earn 3% Cash Back

          on Gas & Drug Store purchases

        • Earn 2% Cash Back

          on Medical expenses

        • $0

          Annual Fee

      • AAdvantage(Registered Trademark) Aviator(Registered Trademark) Red World Elite Mastercard(Registered Trademark)

        AAdvantage® Aviator® Red World Elite Mastercard®

        • Earn 60,000 American Airlines AAdvantage® bonus miles

        • First checked bag free

        • Enjoy preferred boarding

        • $99

          annual fee

      • Image of the Barnes & Noble Mastercard®

        Barnes & Noble Mastercard®

        • Earn a $25 Barnes & Noble Gift Card

          after your first purchase

        • Get 5% back on all Barnes & Noble purchases

          when you use your card at any Barnes & Noble store or online at bn.com

        • Earn 2x points

          for every $1 spent at restaurants (excluding Barnes & Noble Café purchases)

        • $0

          annual fee

      • Carnival(Registered Trademark) World Mastercard(Registered Trademark)

        Carnival® WorldMastercard®

        • Earn $250 off your next cruise purchase

          after spending $500 in the first 90 days

        • Get a 10% statement credit

          when you book a Carnival shore excursion

        • Earn 2X FunPoints®

          for every dollar spent on purchases with Carnival

        • $0

          annual fee

      • Choice Privileges(Registered Trademark) Visa Signature(Registered Trademark) Card

        Choice Privileges®Visa Signature® Card

        • Earn 32,000 bonus points,

          enough to redeem for up to 4 free nights

        • Earn 5 points

          per $1 spent at eligible Choice hotels

        • Earn 2 points

          per $1 spent on all other purchases

        • $0

          annual fee

      • Diamond Resorts World Mastercard(Registered Trademark)

        Diamond Resorts WorldMastercard®

        • Earn 2,500 bonus Diamond Plus Points®

          after your first purchase or balance transfer

        • Earn 500 Diamond Plus Points®

          for every $2,000 in spend (excluding down payments)

        • Earn 2X Diamond Plus Points®

          on Diamond Resorts purchases (excluding down payments)

        • $0

          annual fee

      • Emirates Skywards Premium World Elite Mastercard

        Emirates Skywards Premium World Elite Mastercard®

        • Earn 60,000 bonus Skywards Miles

          after qualifying purchases

        • Save up to $499 off on up to 4 Emirates ticket purchases

        • Enjoy Emirates Skywards Gold tier membership during your first year

        • $499

          annual fee

      • Emirates Skywards Rewards World Elite Mastercard

        Emirates Skywards RewardsWorld Elite Mastercard®

        • Earn 50,000 bonus Skywards Miles after qualifying purchases

        • Save up to $99 off on up to 4 Economy or Business Class ticket purchases

        • Enjoy Emirates Skywards Silver tier membership during your first year

        • $99

          annual fee

      • FRONTIER Airlines World Mastercard(Registered Trademark)

        FRONTIER Airlines World Mastercard®

        • Limited-Time Offer: Earn up to 60,000 bonus miles

        • Earn toward Elite Status

          by earning 1 Qualifying Mile with every $1 spent on purchases or by flying Frontier

        • Earn 5x miles

          on eligible purchases at flyfrontier.com

        • $79

          annual fee

      • Hawaiian Airlines(Registered Trademark) World Elite Business Mastercard(Registered Trademark)

        Hawaiian Airlines®World Elite Business Mastercard®

        • Earn up to 90,000 bonus miles

          after qualifying purchases

        • One-time 50% off companion discount

          for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines

        • Earn up to an additional 40,000 bonus miles

          after qualifying purchases every year

        • $99

          annual fee

      • Hawaiian Airlines(Registered Trademark) World Elite Mastercard(Registered Trademark)

        Hawaiian Airlines®World Elite Mastercard®

        • Limited-Time Offer: Earn up to 80,000 bonus HawaiianMiles after qualifying purchases

        • First checked bag free on eligible bags

        • One-time 50%-off companion discount

          for roundtrip coach travel between Hawaii and North America on Hawaiian Airlines

        • $99

          annual fee

      • Image of the Holland America Line Rewards Visa Card

        Holland America LineRewards Visa® Card

        • 2X points

          on Holland America purchases including onboard purchases

        • No foreign transaction fees

        • 5,000 bonus points

          after first purchase

        • $0

          annual fee

      • JetBlue Business Card

        JetBlueBusiness Card

        • Earn up to 70,000 bonus points

          after qualifying purchases

        • 6X points

          on eligible JetBlue purchases

        • 2X points

          at restaurants and office supply stores

        • $99

          annual fee

      • Apply for the JetBlue Card

        JetBlue Card

        • Earn 10,000 bonus points

          after spending $1,000 on purchases in the first 90 days

        • 3X points

          on eligible JetBlue purchases

        • 2X points

          at restaurants and eligible grocery stores

        • $0

          annual fee

      • Apply for the JetBlue Plus Card

        JetBlue Plus Card

        • Limited-Time Offer: Earn 70,000 bonus points 

        • 6X Points

          on eligible JetBlue purchases

        • 2X points

          at restaurants and eligible grocery stores

        • $99

          annual fee  

      • Lufthansa Miles & More(Registered Trademark) World Elite Mastercard(Registered Trademark)

        Miles & More®World Elite Mastercard®

        • Earn up to 75,000 award miles

          after qualifying account activity

        • Earn 2 award miles per $1 spent

          on ticket purchases directly from airline partners

        • Receive 2 complimentary

          Lufthansa Business Lounge Vouchers annually

        • $89

          annual fee

      • NFL Extra Points Credit Card

        NFL Extra PointsCredit Card

        • Earn 10,000

          bonus points

        • Earn 2X points

          on NFL and team purchases 

        • Financing on ticket purchases

        • $0

          annual fee

      • Priceline VIP Rewards(Trademark) Visa(Registered Trademark) Card

        Priceline VIP RewardsVisa® Card

        • Earn 5X points

          for every $1 spent on Priceline bookings

        • Earn 2X points on gas and restaurant purchases including delivery services

        • Earn 10,000 bonus points after qualifying purchases

        • $0

          annual fee

      • Princess Cruises(Registered Trademark) Rewards Visa(Registered Trademark) Card

        Princess Cruises® RewardsVisa® Card

        • Earn 10,000 bonus points

          after you use your card for the first time

        • Earn 2 points

          per $1 spent on all Princess purchases

        • Earn 1 point

          per $1 spent on all other purchases

        • $0

          annual fee

      • RCI Elite Rewards Mastercard

        RCI® Elite Rewards®Mastercard®

        • 2,500 Bonus Rewards

          after your first purchase

        • 5X Rewards

          for every $1 spent on all eligible RCI purchases

        • 2X Rewards for every $1 spent on all eligible travel purchases

        • $0

          annual fee

      • The NEW AARP(Registered Trademark)Travel Rewards Mastercard(Registered Trademark) from Barclays

        The NEW AARP® Travel RewardsMastercard® from Barclays

        • Earn a $150 Cash Back Bonus

          after spending $500 on purchases in the first 90 days

        • Earn 3% Cash Back

          on Airfare, Hotel Stays and Car Rentals

        • Earn 2% Cash Back

          on Restaurant purchases

        • $0

          Annual fee

      • Upromise(registered trademark) Mastercard(registered trademark)

        Upromise®Mastercard®

        • Earn $200 Bonus Cash Back Rewards

          after spending $500 on purchases in the first 90 days.

        • Earn 1.529% cash back rewards on your purchases when your Upromise Program account is linked to an eligible College Savings Plan, or 1.25% cash back rewards on your purchases if your Upromise Program account is not linked.

        • Upromise Round Up lets you round up your purchases so you can get more cash back rewards.

        • $0

          annual fee

      Источник: https://cards.barclaycardus.com/banking/cards/

      If your credit isn’t that great or you have a limited credit history, signing up for a credit-building card is a great first step to getting your score on track. Since the Capital One Platinum card is designed for people with average credit, you have a good chance at qualifying, even if you’ve made a few mistakes in the past.

      Unlike many unsecured credit-building cards, the Capital One Platinum card doesn’t carry an annual fee. And while the card also doesn’t boast a ton of extra perks, its low cost and decent credit-centric features should be a big help if your focus is getting a chance to work on your score without drowning in hidden fees. That said, keep an eye out for the high APR, which could come back to bite you if you wind up carrying a balance.

      Why you might want the Capital One Platinum Credit Card

      We like the Capital One Platinum card because, unlike many alternative unsecured credit-building cards, it won’t leave you buried in fees, allowing you the peace of mind to focus on building your credit with responsible card use. Features like the ability to increase your credit limit over time and CreditWise credit monitoring will also come in handy on your financial journey.

      Low cost of ownership

      The Capital One Platinum card is lighter on fees and penalties than similar cards. To start, there’s no annual fee. Since most unsecured cards marketed to consumers with poor or fair credit require a membership fee – often charging upwards of $70 per year just to hold the card and sometimes even more in the second year – this is a big plus. If you stay on track with your payments, avoid carrying a balance and otherwise practice responsible card use, you have a chance to build your credit profile with the Capital One Platinum card for free.

      And since the Capital One Platinum is an unsecured card, you won’t have to tie up money for months in a security deposit as you would with a secured card – often your only option if you’re trying to build credit without paying an annual fee.

      The card doesn’t also incur a penalty APR in case you miss a payment (though it does charge a late payment fee of up to $40), doesn’t charge a fee for returned payments, and, most notably for frequent travelers, charges no foreign transaction fee. This means you can use the card for purchases outside the U.S. without having to pay extra for the privilege.

      Clear credit limit increase path and a few helpful tools

      While the Capital One Platinum is relatively thin on cardholder perks, it features a couple of noteworthy benefits for credit-builders.

      Most notably, the card offers a very straightforward path to a higher credit limit: You’re automatically considered for a higher credit line after six on-time monthly payments. Six months is a pretty standard timeframe for a credit limit increase, but many credit-building cards offer no clear criteria for offering a higher credit limit, with many only promising to review your account periodically. In contrast, the Capital One Platinum gives you simple steps to follow to qualify for a credit limit increase, which can help you lower your credit utilization ratio – a major factor in your credit score – and give you a bit more breathing room.

      Another useful credit-building perk is Capital One’s CreditWise feature – a credit monitoring portal you can access to see your credit score and monitor your credit profile. Though this tool is free and available for anyone whether they have a Capital One card or not, it’s still worth mentioning since monitoring your credit is the best way to make sure you’re improving it over time.

      Another reason to consider this card is just how simple it is to use. Capital One’s mobile app makes it easy to manage your account, bank online and pay your bill from your mobile device. You also have the option to set up account alerts that notify you when you’ve made a purchase or a payment is due, along with the option to pick your own due date and payment method. Finally, you can set up autopay for your account to ensure you’ll never forget your monthly bill. Capital One is also highly regarded for its 24/7 live customer service that is available to assist you with issues you can’t resolve online.

      You can get approved with fair credit

      According to Capital One, this card is geared to consumers with average credit or better. This typically means a FICO score of 580 or higher. Capital One also notes that you could still qualify for this card if you’ve defaulted on a loan in the last five years or you have less than three years of credit history. While there are plenty of subprime cards on the market, most either require a security deposit or come with hefty annual, monthly or activation fees (and sometimes all three). The fact that the Capital One Platinum is both unsecured and charges no annual fee wins it major points according to our credit-building card rating system.

      Why you might want another card

      The Capital One Platinum is a solid option if you want to save money, focus on building your credit with responsible card use and aren’t worried about earning rewards. But if you tend to carry a balance (which we highly recommend against), it would be better to go with a card that charges a lower APR. And since this is an unsecured card, you’ll also likely start out with a low credit limit, which could slow down your credit-building efforts by making it harder to maintain low credit utilization.

      Low initial limit

      Unfortunately, the Capital One Platinum card is likely to start you off with a pretty small credit line. While Capital One does not list a specific minimum initial credit limit in its terms, unsecured cards in this category typically offer starting limits of around $300 or – if you’re lucky – $500. Even if you get a slightly higher limit to start, this will likely fall short of the potential limit available on many secured credit cards. That’s because secured cards typically let you set your own limit within a broad range of potential credit lines by putting up a matching deposit. High-limit secured credit cards like the Discover it® Secured Credit Card, for example, allow you to secure as much as $2,500 in credit when you put down a matching deposit. A larger credit line can help you build your credit faster, since it makes it easier to keep your credit utilization ratio in check.

      High APR

      The Capital One Platinum card is not a card you’ll want to carry a balance on due to its high variable APR of 26.99 percent, far higher than the average credit card interest rate and relatively high even for a credit-building card. While high APRs are unavoidable to a degree when you you have a less-than-ideal credit score, several alternative credit-building cards beat out the Capital One Platinum on this front, including secured cards like the OpenSky® Secured Visa® Credit Card – which offers all cardholders a 17.39% variable APR, regardless of credit history – and unsecured cards like the Petal® 2 “Cash Back, No Fees” Visa® Credit Card – which, though its high-end APR matches the Captial One Platinum card’s 26.99% variable APR, at least offers a chance at a rate as low as 12.99% variable based on your financial profile.

      If you do sign up for this card to build credit and take advantage of cardholder perks, you should create a plan to pay your balance in full each month and, if needed, only charge small purchases you can pay off right away.

      No rewards and limited perks

      Another major downside to consider with this card is that it doesn’t offer a rewards program. Since a handful of credit cards geared to consumers with average credit offer the opportunity to earn cash back – with some offering at least 1% back on every purchase you make – this is disappointing. While you won’t have to pay to hold the Capital One Platinum card, you also won’t get rewarded for using it beyond its credit-building potential. The card’s value isn’t helped by its limited benefits, either, with shrug-worthy highlights including the ability to get a replacement card and a cash advance (depending on your available credit) if your card is lost or stolen, $0 fraud liability, and assistance if you become a victim of identity theft.

      How does the Capital One Platinum card compare to other credit-building cards?

      The Capital One Platinum’s low cost of ownership is easily its most appealing feature and could be enough to make it the best card for someone with average credit hoping to take their score to the next level – especially if you’re hoping to avoid putting down money in a security deposit. That said, a few other cards available with fair credit are worth a look thanks to their similar low cost and more robust perks. Here are a few of our favorites:

       

      Capital One® Secured Mastercard® review

      Capital One Platinum Secured Credit Card

       

      Capital One QuicksilverOne

      Capital One QuicksilverOne Cash Rewards Credit Card

       

      Petal 1 Visa Credit Card

      Petal® 1 "No Annual Fee" Visa® Credit Card

      Rewards rate

      None

      Rewards rate

      1.5% cash back on all purchases

      Rewards rate

      None

      Credit limit

      See terms

      Credit limit

      See terms

      Credit limit

      $300-$5,000

      Annual fee

      $0

      Annual fee

      $39

      Annual fee

      $0

      Other things to know
      • $49-$200 deposit requirement (depending on creditworthiness) ($200-$1,000 initial credit limit, depending on your deposit)
      Other things to know
      • Account reviewed for possible credit limit increase after 6 months of on-time payments
      • Automatic cash back redemption available
      • No foreign transaction fees
      Other things to know
      • No foreign transaction fee and no security deposit required
      • Issuer considers alternative credit data (like income and bill payment history) when evaluating applications, not just credit score
      • Includes money-management tools and free credit reporting

      Capital One Platinum card vs. Capital One Platinum Secured Credit Card

      Another Capital One option for building credit (with responsible use, of course) is the Capital One Platinum Secured Credit Card, a no annual fee card geared toward consumers with a damaged or limited credit history.

      Unlike the Capital One Platinum, the Capital One Platinum Secured is a secured credit card, which means you’ll need to put down a refundable security deposit before you can use the card. While this may not work if you’re short on cash or want to avoid tying up money, it could offer a big advantage if you want more control over your credit limit and, consequently, your credit utilization. Not to mention there’s a possibility you could graduate to an unsecured card, as some users have reported.

      Secured cards typically assign you a credit limit that matches your deposit, so if you put down a large amount, you can enjoy a bit more room to spend without worrying about hurting your score with high credit utilization. Additionally, the Platinum Secured card guarantees a minimum initial credit limit of $200 with just a $49 deposit, a unique feature among secured cards. While both cards can help you build your credit with responsible use, which is best for you will depend on your financial situation and habits.

      Capital One Platinum card vs. Capital One QuicksilverOne Cash Rewards Credit Card

      Another unsecured option from Capital One, the QuicksilverOne Cash Rewards Credit Card offers simple rewards and some limited but noteworthy benefits while also only requiring fair credit to qualify – notably a flat 1.5% cash back rate on all eligible purchases. The tradeoff for a better rewards program is an annual fee of $39 – which, while not the highest among unsecured cards, could be a deal-breaker if you’re a modest spender and doubt you’d spend enough in a year ($2,600) to cover the cost.  If you tend to carry a balance, the card’s high variable 26.99% APR won’t give you any advantage over the Capital One Platinum card’s rate, either. Like the Platinum card, however, the QuicksilverOne gives you a chance to earn a credit line increase after six months of on-time monthly payments.

      Capital One Platinum card vs. Petal 1 “No Annual Fee” Visa Credit Card

      The Petal 1 card is a terrific option for credit-builders since it’s available even with bad credit, charges no annual fee, does not require a security deposit and offers a chance at a credit limit as high as $5,000, depending on your credit history and financial profile. The card is also notable for its flexible approvals process: The issuer can consider more than just your credit score when you apply and may take into account other financial data like your bill payment history. This will be a big help if you’ve had some credit missteps in the past but are otherwise on solid financial ground.

      How to use the Capital One Platinum card:

      • Use the card for regular purchases you can afford to pay off each month. Never carry a balance since you’ll be charged a high APR if you do.
      • Given you’ll likely start off with a low credit limit, try to keep your spending in check to ensure your credit utilization doesn’t spike, which will negatively impact your credit. Strive to use your card only for small purchases you can pay off right away.
      • Make all of your payments on time to avoid late payment fees and have a better chance at getting a credit limit increase after your first six on-time monthly payments.
      • Take advantage of CreditWise to monitor your credit and ensure you’re staying on track with your credit-building efforts.

      Is the Capital One Platinum card right for you?

      If you’re looking for a simple, low-cost credit-credit building card that doesn’t require you to put down any money for an annual fee or security deposit, it’s hard to go wrong with the Capital One Platinum. While it won’t offer impressive rewards or perks and carries a high APR, the card gets the job done where it counts – giving you a chance to build credit with responsible use without bombarding you with fees and restrictions.

      Источник: https://www.creditcards.com/reviews/capital-one-platinum-credit-card-review/

      Capital One Venture Travel Credit Card Review

      Avianca Business Class from LA to Bogotá

      Transfer Directly to Airline Partners

      This is probably my favorite benefit of this card, and one that I think is SO beneficial to budget travelers. Once you have accumulated Venture miles, you can transfer them directly to over a dozen of Capital One’s new travel loyalty programs. You can take the Venture Miles you’ve earned, from buying (literally) anything, and transfer them at a rate of 2 Venture miles to 1.5 airline miles for most airlines, and 2 to 1 for Emirates and Singapore Airlines.

      You can redeem Venture miles with the following airline loyalty programs: Aeromexico (Club Premier), Air Canada (Aeroplan), Air France and KLM (Flying Blue), Alitalia (MilleMiglia Program), Avianca (LifeMiles), ALL Accor Live Limitless, Cathay Pacific (Asia Miles), Emirates (Emirates Skywards), Etihad Airways (Etihad Guest), EVA Air (Infinity MileageLands), Finnair (Finnair Plus), JetBlue (TrueBlue), Qantas (Qantas Frequent Flyer), and Singapore Airlines (KrisFlyer).

      With this new feature, you can book airline tickets (including first and business class), upgrade flights, top off mileage accounts for cheaper bookings, and more!

      I think my favorite way to use miles is to upgrade flights from economy to business or first class for a more comfortable long-haul flight.

      Read More: How to Transfer Capital One Venture Miles to Partner Airlines

      Additional Perks

      TSA Pre-Check / Global Entry: Receive a credit of either $100 for Global Entry or $85 for TSA PreCheck with your Venture card. If you don’t use this perk for yourself, you can use it to pay for a friend or family member’s application fee.

      Global Entry has been a lifesaver for me—I couldn’t recommend it more for frequent travelers! Skip those long security lines in a breeze.

      Travel Accident Insurance*: Use your Venture card to purchase your flight, and you’ll automatically get travel accident coverage of up to $250,000 through Visa Signature Benefits.

      Lost Luggage*: You can be reimbursed for lost luggage expenses of up to $3,000.

      Secondary Auto Rental Coverage*: You can be covered for damage from collisions, vandalism, and theft.

      Extended Warranty Protection*: This perk will double the manufacturer’s warranty by one extra year on warranties of three years or less. Your maximum claim amount is $10,000 and $50,000 per cardholder.

      Purchase Security*: On eligible items purchased with your Capital One Venture you can replace, repair, or be reimbursed if an item is stolen or damaged within 90 days of its purchase date. You can submit a claim of up to $500 per item and $50,000 per cardholder.

      *See your Visa Signature Guide to Benefits for full details.

      Annual Fee

      The annual fee for the Capital One Venture travel credit card is $95.

      I know that one of the biggest concerns when getting a new travel credit card is the annual fee, and I get it, but I always encourage you to look at the travel benefits you receive from a card, in exchange for that $95. I’ve always found that the annual fee is very reasonable for the benefits and miles that I can rack up!

      B&W Airport

      Start Earning Miles

      If you’re still not sure it’s the card for you, check out my Travel Reward Credit Card recommendations where you will find all of the information that you need to help you make the decision. It’s important that you understand all the benefits and financial obligations before opening a new travel credit card.

      If you don’t have a travel rewards credit card, I highly suggest you look into it. They make traveling all that much easier (and cheaper in the long run)!

      I get really excited to know that my everyday purchases are contributing to my travel goals and making it possible to go on these trips that I’ve wanted to do for years.

      Capital One Venture Review

      New to travel reward credit cards?

      Check out The Beginner’s Guide to Earning Points and Miles!

      Источник: https://www.theblondeabroad.com/using-the-capital-one-venture-travel-reward-credit-card/

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      Capital One Venture X Rewards Credit Card: Apply Now! 100K Bonus & Lounge Access

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      Capital One is shaking up the premium travel credit card landscape with a brand new card. And after unveiling it last week, the Capital One Venture X Rewards Credit Card opened for applications on Tuesday.

      With a bonus of 100,000 Venture Miles plus a $200 credit for Airbnb or VRBO stays after spending $10,000 in six months, lounge access, $300 in annual travel credits, and other perks, this brand new premium travel card is making a serious splash. But unlike other top-tier cards, the Venture X clocks in with an annual fee of just $395 a year.

      Already got the Venture Card in your wallet? You can apply for this new card and earn the bonus! You could also call in to upgrade, but you won’t earn the same bonus.

       

      capital one venture x card

       

      Click Here to learn more about the Capital One Venture X Rewards Credit Card

       

      What is the Venture X Credit Card?

      It’s the bank’s first foray into premium travel cards with heavy travel benefits like lounge access, annual travel credits, and more, competing against the likes of the Chase Sapphire Capital one beginner credit card and the Platinum Card® from American Express.

      But compared to those competitors that cost as much as $695 a year, the annual fee is incredibly reasonable: Just $395 per year. And considering you get $300 capital one beginner credit card travel credits each year among other perks, the actual cost for holding this card is much lower.

      Here’s a full look at the brand new Venture X Card.

       

      Venture X Benefits Overview

      Still, the new Capital One Venture X Card offers some comparable benefits that will make it a no-brainer for many travelers:

      • Huge Welcome Bonus: Earn 100,000 Venture Miles after spending $10,000 in the first six months. Plus, you can earn a $200 credit for Airbnb or VRBO homestays.
      • Travel Statement Credits: $300 annual travel credit.
      • Lounge Access: Free access to 1,300-plus lounges in the Priority Pass network and Capital One’s brand new lounges. Get two free guests, too.
      • Global Entry or TSA PreCheck:Up to $100 in statement credits to sign up for either TSA PreCheck or Global Entry. This credit is good once every four years, and membership in both programs lasts five years.
      • Earning More Points: Capital One Venture X cardholders will earn 10x capital one beginner credit card on hotels and rental cars and 5x miles on flights booked via the Capital One Travel portal, then an unlimited 2x miles on every dollar spent on all other purchases with the card.
      • Great Travel & Rental Car Insurance: By paying for your travels with a Venture X, you’ll get unbeatable primary rental car coverage, trip cancellation insurance, trip delay coverage, and reimbursement if your baggage gets lost or stolen.

       

       

      New Capital One Venture X Card Sign-Up Bonus

       

      100,000-Mile Bonus & More

      The Venture X is kicking things off with a huge limited-time bonus: 100,000 Capital One Venture Miles after spending $10,000 on the card in your first six months of card membership.

      But cardholders will also get up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO in their first year.

      The $10,000 in spending required to earn that bonus may scare off some travelers. And for good reason: Credit cards are serious business, and no one should be putting any charges on a credit card they can’t afford to pay off immediately – let alone $10,000. But spread over six months, that works out to just over $1,600 a month.

      Capital One has indicated that this bonus will only be available for a limited time, but they haven’t yet announced an end date.

       

      Venture X Card Rewards and Benefits

       

      $300 A Year Toward Travel

      Each year of card membership, Venture X cardholders will get up to a $300 travel credit to use for Capital One Travel bookings.

      Just use your card to book flights, hotels, rental cars, and more through the new and improved Capital One Travel portal and you’ll automatically get reimbursed on all purchases up to $300.

      Think of it this way: Do you plan to spend $300 or more on travel each year? Then this card’s annual fee isn’t $395 – it’s more like $95. That automatically makes this card a brilliant alternative to the popular Capital One Venture Card.

      Not to mention, you’ll refinance rates today 30 year also 10x Venture miles on hotels and rental cars – or 5x miles on flights – booked via Capital One Travel. And that’s true even when you’re putting that $300 credit to use. Other cards with these credits like the Chase Sapphire Reserve may make them easier to use by automatically applying to almost any travel purchase, but you typically don’t earn the bonus miles until you’ve exhausted that credit.

      Capital One’s new Hopper-powered platform officially rolled out earlier this fall. While we typically steer clear of third-party sites and online travel agencies, Capital One has added some potent features to this new portal that could turn that logic on its head.

      Read More: Capital One Venture X $300 Travel Credit: Everything You Need to Know

       

      Capital One Lounge & Priority Pass Lounge Access

      This is a big one.

      Capital One Venture X cardholders will get complimentary access to the new Capital One Lounges, the first of which officially opened its doors in Dallas-Fort Worth (DFW) last week – and more are on the way soon. It’s the only credit card that will provide complimentary access to the Capital One lounges. And it’s Capital One’s first card that offers lounge access.

       

      capital one dfw lounge

       

      Check out our sneak peek at the Dallas lounge – and watch for locations in Denver (DEN) and Washington, D.C.-Dulles (IAD) to open next year!

      You’ll also get a full Priority Pass membership, which will get you into 1,300-plus airport lounges around the globe. While most of these contract lounges may not be as nice as the new Capital One space, they have such a massive footprint that makes it much easier to get into a lounge no matter where you’re flying. Plus, membership through the Venture X will also get you comped meals at Priority Pass restaurants – a benefit that other cards have cut.

      Here’s the kicker: Venture X cardholders can add up to four authorized users onto their card account at no additional cost. And each authorized user will receive their own lounge membership allowing them to bring in up to two guests with them on each visit as well.

      With other top travel cards, adding authorized users to give them their own lounge access and other benefits costs $75 to $175 a year. Not so here.

      Read More: Incredible: Adding Capital One Venture X Authorized Users for Free

       

      Credit for Global Entry or PreCheck

      Add the Capital One Venture X to the growing list of credit cards offering up to a $100 credit for either TSA PreCheck or Global Entry. Membership in either program is good for five years and Venture X cardholders will get this credit every four years.

       

      capital one venture x card

       

      If you plan for any sort of international travel, spring for Global Entry as it includes a TSA PreCheck membership. At just $100, the statement credit provided by the Venture X credit card will completely cover your membership cost for as long as you keep the card open.

      Taking advantage of this credit is simple. Just use the card when you pay for your application and voila: Your credit will kick in to cover the entire cost.

      Read more: Global Entry vs. TSA PreCheck: Which is Better for You?

       

      10,000 Bonus Miles Each Year

      Each and every year on your account anniversary, you’ll receive 10,000 bonus Venture pnc smartaccess phone number after paying your card annual fee. These miles are worth a minimum of $100 towards travel – and potentially much more by utilizing the Capital One Transfer partners.

      You won’t get this right when you open the card: This benefit starts in your second year.

      Cardholders can also earn 25,000 bonus miles for each friend they refer to the Venture X – for a total of up to 100,000 miles per year.

       

      Earn 2x Miles on Every Purchase & More

      Like the Capital One Venture Rewards Credit Card, Capital One Venture X cardholders will earn 2x miles on every dollar spent on the card.

      That’s incredibly lucrative, and could easily make the Venture X card a go-to option in your wallet for many expenses.

      However, unlike the legacy Venture card, Venture X cardholders will also earn 10x miles on hotels and rental cars, and 5x miles on flights booked via the Capital One Travel portal.

       

      Venture X cardholders will receive complimentary Hertz President’s Circle status.

      As the highest level of elite status in their Gold Plus Rewards program, President’s Circle elite members who book an intermediate car or higher get guaranteed upgrades to the next available car class or the ability to choose a car from the President’s Circle Ultimate Choice aisle. Members can also skip the counter when renting a car, have access to a dedicated Hertz Rewards customer service line, and have the ability to add an additional driver at no cost.

      This benefit will be available for both primary cardholders and authorized users.

       

      Travel Insurance & Rental Car Coverage

      Premium travel credit cards typically come with some excellent travel protection policies, and the Venture X is no different.

      This brand new Capital One card is technically a Visa Infinite card, which is a distinction that doesn’t matter much … until it comes to these benefits. Charge your rental car, flights, or any trip to your Venture X card and you’ll get:

      • Primary Rental Car Coverage: Some of the strongest rental car insurance you can get, nearly identical to what’s available through the Chase Sapphire cards. Decline the rental car agency’s policy and you’ll have a strong insurance policy that will cover most damages or even the theft of the vehicle. It applies to rentals in the U.S. as long as 15 days and in most foreign countries for up to 31 days. Check out the fine print of this policy.
      • Lost Luggage Reimbursement: Airline lose your luggage – or did it get stolen? If you paid with your Venture X Card, you can get up to $3,000 to replace the bag and its contents (or $2,000 per bag capital one beginner credit card New York residents). The cardholders and all immediate family members are covered.
      • Trip Delay Coverage: Get reimbursed for up to $500 in additional expenses like overnight hotel stays or new plane tickets if your travel is delayed by six or more hours – or forces an overnight stay.
      • Trip Cancellation and Interruption Coverage: If something goes seriously wrong on your trip like an accident, illness, or death that forces you to cancel or cut it short, you’re covered for up to $2,000 per person in expenses – and you, a spouse, and any dependent children are eligible.

      That’s on par with some of the best travel insurance policies from credit cards that we’ve ever seen. Just pay for your trip with your Venture X Card and you’re set.

       

      $395 Annual Fee

      The Venture X card has an annual fee of $395 each year. Compared to other premium travel credit cards, that’s a bargain.

      That $395 fee may still seem steep, but it’s a mirage: It’s actually far cheaper. Consider the fact that you get an automatic $300 credit a year towards travel booked through the Capital One Travel portal. Then, starting in year two, you get a 10,000-point bonus every year – points that are worth a minimum of $100.

      Are you the kind of person who plans to spend $300 a year or more on travel? If so, do the math and you’ll see that in reality, you’re paying $95 (or less) a year for this card. If you’re not the kind of person spending $300-plus a year on travel, a premium travel credit card like this one probably isn’t the right move.

      Unlike other premium credit cards, there is no fee to add authorized users. You can add up to four authorized users for free, who will also receive their own lounge access with the ability to bring up to two guests in with them.

      Read More: Why The Capital One Venture X Annual Fee Shouldn’t Scare You Off

       

      No Foreign Transaction Fees

      Because it’s a Visa Infinite card, you won’t pay foreign transaction fees when using your Capital One Venture X abroad.

       

      capital one venture x card

       

      Click Here to learn more about the Capital One Venture X Rewards Credit Card

       

      Who Can Get the Venture X Card?

      Capital One has indicated that you will need an excellent credit score to be approved for the Venture X card. That means those with a credit score above 740 will have the best chances of being approved.

       

      credit scores

       

      Already have the Venture or VentureOne Card? No problem: Capital One confirmed that current cardholders will be eligible to apply for the new Venture X Card – or simply upgrade. There’s no rule limiting you to holding just one type of Venture card, as is the case with Chase and its Sapphire Card lineup.

      Historically, Capital One has been one of the more strict (and secretive) credit card issuers when it comes to their standards of who gets approved and who gets denied. While they don’t publish any specific rules like the Chase 5/24 rule, there are some general guidelines to keep in mind when applying for any Capital One card.

      • Capital One typically limits consumers to hold just two Capital One-branded cards at a time. That means if you’ve already got a Venture Card and the Capital One Savor Rewards Credit Card, you likely won’t get approved for another card.
      • Capital One generally only allows you to open one Capital One credit card every six months. So if you’ve recently applied and opened another Capital One card, you may need to wait.
      • Data points suggest that, much like the Chase 5/24 rule, those who have opened five or more credit cards (from any bank) in the last 24 months will also have a hard time being approved for Capital One card products.

      But these aren’t hard and fast rules. Since this card first launched, we’ve been surprised to see many travelers who expected to be declined for the Venture X Card get an automatic approval.

      Read More: Are You Eligible for the Capital One Venture X Card? 

       

      How Much are 100K Capital One Miles Worth?

      It depends on how you use them. And fortunately, these miles are incredibly versatile.

      Let’s start with the bonus … because it’s actually even bigger than 100,000. Considering you earn 2x miles on every purchase, the $10,000 you have to spend to earn that welcome bonus rounds it out to at least 120,000 Venture miles total.

      Capital One has one of the simplest ways to redeem miles toward travel: It’s called Capital One Purchase Eraser. Just book a flight, hotel, or any travel expense with your Venture X, then go back and use Purchase Eraser to cover it with miles.

      Using Purchase Eraser, every single mile is worth 1 cent toward travel. The same is true when using another method to book travel: Capital One’s new travel portal, where you can search for flights, hotels, or rental cars and book directly through Capital One.

      That means 120,000 Venture Miles are worth at least $1,200 toward travel. But you could do even better.

      Last month, Capital One leveled up its transfer partnership program with new additions and improvements, solving the glaring weakness of that option that made it second to Chase and Amex. Now, you can transfer to 15 different airline and hotel programs on a 1:1 basis. That means 120,000 Venture Miles can become 120,000 British Airways Avios. Or 120,000 Emirates Skywards miles. Or 120,000 Turkish miles.

      With this improved transfer partner program, these miles are potentially worth much, much more. It makes Venture Miles a genuine double-threat.

       

      Why We Think the Venture X Card is Outstanding

      The Venture X Card is a game-changer among premium travel credit cards.

      There are cheaper (or free) travel credit cards that don’t come with many travel benefits, there are benefit-rich travel credit cards with exorbitant annual fees … and there’s nothing in between. Capital One officials weren’t exactly subtle about their motivation.

      “In talking to customers, we feel that there is a gap in the market,” Lauren Liss, Capital One’s managing vice president of U.S. cards, said in an interview with Thrifty Traveler. “Customers don’t want to pay $600 for a card that offers travel benefits. And they don’t want to take the time to continually track a laundry list of benefits they have to remember to register for.”

      Rumors have been swirling for years about Capital One venturing (pun intended) into the premium credit card market. Those rumors intensified as they announced plans this year to enter the airport lounge space, competing head to head with American Express Centurion Lounges.

      This new card will get you and two guests free access to Capital One and Priority Pass lounges. After getting a sneak peek at the very first lounge in Dallas, we were impressed. If they can repeat that experience as more lounges open in Denver, Dulles, and beyond, Capital One will have hit a home run.

       

      capital one lounge

       

      We’ll admit it: We were skeptical about Capital One’s plans for a premium card at first. Why mess with a good thing they had with the ever-popular Capital One Venture Rewards Credit Card?

      One of the best things about the Capital One Venture Card that has drawn in thousands of travelers is its simplicity. Pay a $95 annual fee, earn 2x miles on every single purchase you make, buy any flight, hotel, or even a cruise or Airbnb, and cover the cost using your miles using the Capital One Purchase Eraser.

      It’s built around catering to the average traveler. Why overcomplicate that with questionable benefits, convoluted transfer partnerships, or hefty annual fees that would scare them away?

      But Capital One has made some big moves recently that change that calculus. And now it’s taking the best things about the Venture Card and putting them on steroids with the Venture X – all while retaining that simple, straightforward approach.

       

      Bottom Line

      After an exciting unveiling last week, the new Capital One Venture X Rewards Credit Card is now available for new applications. And it will shake up the premium travel credit card space – big time.

      With just a $395 annual fee, it’s automatically a compelling alternative to far more expensive top-tier travel cards. But add in the 100,000-mile welcome bonus and $500 total in upfront, money-saving credits for travel expenses and Airbnb or VRBO stays? This is easily the most exciting and compelling travel credit card launch we’ve seen in many, many years – if ever.

       

      capital one venture x card

       

      Click Here to learn more about the Capital One Venture X Rewards Credit Card

      Images courtesy of Capital One

       

      Stop overpaying for travel!

      Get our daily email for the latest in travel, flight deals, and how to save on your next trip.

      Related stories:

      Источник: https://thriftytraveler.com/news/credit-card/capital-one-venture-x-card/
      At a glance

      In recent years, more credit card issuers have started offering metal cards. They range widely in their annual fees, additional benefits, and weights.

      Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

      The information related to Capital One Savor Cash Rewards Credit Card, IHG® Rewards Club Premier Credit Card, United Club℠ Infinite Card, Amazon Business Prime American Express Card, American Express® Business Gold Card, and The Business Platinum Card® from American Express have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

      Best Metal Credit Cards

       

      The American Express Centurion® Card (or “black” card) was one of the first metal credit cards. Unfortunately, it’s invitation-only and costs $5,000 per year.

      Banks have started offering more metal credit cards in recent years, and the annual fees are much lower.

      Some people like the feel of a metal credit card and the reactions they get when making purchases. Metal credit cards are usually heavier than regular plastic cards. You may want one for the practicality: members of our team have used a Chase Sapphire Preferred to scrape ice off a car window in the winter, and to open a door after getting locked out.

      Here’s a list of our favorites that you can actually apply for directly, followed by a full alphabetical list of 28 metal cards.

      Best Metal Credit Cards of 2021

      Card details

      The Mastercard Titanium Card is a thick, heavy metal rewards credit card.

      It earns 1X point per dollar and provides a host of benefits geared toward the frequent traveler. You may be able to get more rewards or benefits with other cards that are less expensive, but if you’re looking for the heaviest card with the capital one beginner credit card annual fee, this is it.

      • Min. Credit LevelExcellent
      • Annual Fee$195
      • Purchase APR14.99% Variable
      Rewards
      • 1X point per dollar for all purchases
        • Cash back redemption value: 1% cash back
        • Airfare redemption value: 2% cash back

      Introductory bonus

      None
      Balance transfers

      A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

      • Intro Balance Transfer APR 0% for 15 months capital one beginner credit card
      • Regular Balance Transfer APR14.99% Variable
      • Balance Transfer Fee3% ($5 min)
      How to Transfer a Balance on a Credit Card
      Fees
      Card details

      If you’re looking for a thick, black, heavy metal credit card, this is it. Unlike the American Express Centurion card, this is card is available without an invitation.

      The rewards program is not the most valuable out there, but this card card does include airport lounge access, a $100 travel credit, a live chat concierge in the Luxury Card mobile app, and thousands of dollars in possible credits at hotels.

      • Min. Credit LevelExcellent
      • Annual Fee$495
      • Purchase APR14.99% Variable
      Rewards
      • 1X point per dollar for all purchases
        • Cash back redemption value: 1.5% cash back
        • Airfare redemption value: 2% cash back
      Balance transfers

      A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

      • Intro Balance Transfer APR 0% for 15 months capital one beginner credit card
      • Regular Balance Transfer APR14.99% Variable
      • Balance Transfer Fee3% ($5 min)
      How to Transfer a Balance on a Credit Card
      Fees
      Card details

      If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you.

      It has high-end travel benefits, but only earns the equivalent of 2% cash back on all purchases.

      • Min. Credit LevelExcellent
      • Annual Fee$995
      • Purchase APR14.99% Variable
      Rewards
      Balance transfers

      A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

      • Intro Balance Transfer APR 0% for 15 billing cycles
      • Regular Balance Transfer APR14.99% Variable
      • Balance Transfer Fee3% ($5 min)
      How to Transfer a Balance on a Credit Card
      Fees
      Card details

      If you’re a Prime subscriber, there’s pretty much no reason not to get this card. You’ll get 5% back on Amazon purchases and there’s no annual fee for the card.

      This is probably the cheapest option if you’re trying to get a metal card without paying a high annual fee as long as you’re subscribed to Prime. Read our full review of both Amazon Visa cards here.

      • Min. Credit LevelFair
      • Annual Fee$0
      • Purchase APR14.24% to 22.24% Variable
      Rewards
      • 5% cash back at:
        • Amazon.com
        • Whole Foods Market
      • 2% cash back at:
        • Gas Stations
        • Restaurants
        • Drugstores
      • 1% cash back on all other purchases

      Introductory bonus

      $100 Amazon.com Gift Card instantly upon approval
      Balance transfers

      A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

      • Intro Balance Transfer APR N/A
      • Regular Balance Transfer APR14.24% to 22.24% Variable
      • Balance Transfer Fee5%, $5 minimum
      How to Transfer a Balance on a Credit Card
      Fees
      Card details

      This card is loaded with benefits like airport lounge access and travel credits. It’s made of metal and has a dark blue and black design. When you look at benefits and cost, it’s in the same category as the Platinum Card from American Express. The Sapphire Reserve offers 3x Ultimate Rewards points per dollar on travel and dining, compared to 2X on the Chase Sapphire Preferred.

      It has a relatively high annual fee of $450 compared to most credit cards, but you can easily make up for that if you use all the benefits, credits, and rewards. Read our review of this card here.

      • Min. Credit LevelExcellent
      • Annual Fee$550
      • Purchase APR16.99% - 23.99% Variable
      Rewards
      • 10X Ultimate Rewards points per dollar:
        • Chase Dining through Ultimate Rewards
      Источник: https://www.creditcardinsider.com/blog/metal-credit-cards/

      Best Capital One Credit Cards Of November 2021

      Best Capital One Credit Cards

      Best premium travel card

      Capital One Venture X Rewards Credit Card

      Up to 10X Reward Rate

      Earn 2 miles per dollar on all eligible purchases and 5 miles per dollar on flights and 10 miles perRead More

      Welcome Bonus

      100,000 miles

      Regular APR

      16.99% - 23.99% (Variable)

      Credit Score

      Excellent (750 - 850)

      Pros & Cons

      • Annual fee lower than others in its category
      • Annual travel credit and anniversary points alone could justify the annual fee
      • Points are easy to earn and easy to use
      • Lack of domestic airline and upscale hotel travel partners
      • Capital One lounge network in its infancy
      • Lack of hotel status benefits

      Card Details

      • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
      • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
      • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get our best prices on thousands of options
      • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
      • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
      • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
      • Receive up to a $100 credit for Global Entry or TSA PreCheck®
      • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

      Best for dining and entertainment rewards

      Savor Rewards Credit Card *

      Savor Rewards Credit Card

      Up to 4% Reward Rate

      Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1%Read More

      Welcome Bonus

      One-time $300 cash bonus

      Regular APR

      15.99% - 23.99% variable for purchases and balance transfers

      Credit Score

      Good/Excellent (700 - 749)

      Why We Picked It

      The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. It's easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cash back on all other purchases.

      Pros & Cons

      • 4% cash back on eligible categories
      • Entertainment is a rare rewards category
      • No foreign transaction fees
      • Unlimited reward earnings
      • Annual fee
      • No introductory APR for purchases or balance transfers
      • Higher standard APR

      Card Details

      • Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
      • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
      • Earn unlimited 3% cash back at grocery stores
      • Earn unlimited 1% on all other purchases
      • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn

      Best for earning travel rewards with a moderate annual fee

      Capital One Venture Rewards Credit Card

      Up to 5X Reward Rate

      Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase,Read More

      Welcome Bonus

      60,000 miles

      Regular APR

      15.99% - 23.99% (Variable)

      Credit Score

      Excellent, Good (700 - 749)

      Why We Picked It

      Casual travelers who don't plan to carry a balance will find good value in this card's rewards rate.

      Pros & Cons

      • High rewards rate
      • Solid welcome bonus
      • No intro APR offer
      • Annual fee

      Card Details

      • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
      • Earn unlimited 2X miles on every purchase, every day
      • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
      • Receive up to a $100 credit for Global Entry or TSA PreCheck®
      • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
      • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
      • Transfer your miles to your choice of 15+ travel loyalty programs
      • No foreign transaction fees

      Best for earning travel rewards with no annual fee

      Capital One VentureOne Rewards Credit Card

      Up to 5X Reward Rate

      Earn 5X miles on hotels and rental cars booked through Capital One Travel, and earn unlimited 1.25X miles on everyRead More

      Welcome Bonus

      20,000 miles

      Regular APR

      14.99% - 24.99% (Variable)

      Credit Score

      Excellent, Good (700 - 749)

      Why We Picked It

      This card is a good choice for those who don’t travel enough to justify a high-annual-fee alternative.

      Pros & Cons

      • No foreign transaction fee
      • No annual fee
      • No penalty APR
      • Ongoing rewards rate is relatively low
      • Welcome bonus is mediocre

      Card Details

      • $0 annual fee and no foreign transaction fees
      • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
      • Earn unlimited 1.25X miles on every purchase, every day
      • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
      • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
      • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
      • Transfer your miles to your choice of 15+ travel loyalty programs
      • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that

      Best for earning flat rate cash back

      Capital One Quicksilver Cash Rewards Credit Card

      1.5% Cash Back

      Earn unlimited 1.5% cash back on every purchase, every day

      Regular APR

      14.99% - 24.99% (Variable)

      Credit Score

      Excellent, Good (700 - 749)

      Why We Picked It

      This card is a good value all-rounder, offering an intro APR period, no annual fee and a simple 1.5% unlimited cashback rate on all purchases.

      Pros & Cons

      • No spending category enrollment
      • No cashback rewards limits
      • No foreign transaction fee
      • Low spending requirement to earn welcome bonus
      • No bonus spending categories to boost rewards
      • High regular APR

      Card Details

      • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
      • Earn unlimited 1.5% cash back on every purchase, every day
      • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
      • 0% intro APR on purchases and balance transfers for 15 months; 14.99%-24.99% variable APR after that
      • $0 annual fee and no foreign transaction fees

      Best no-annual-fee card for dining and entertainment rewards

      Capital One SavorOne Cash Rewards Credit Card

      Up to 3% Cash Back

      Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More

      Regular APR

      14.99% - 24.99% (Variable)

      Credit Score

      Excellent, Good (700 - 749)

      Why We Picked It

      The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores and on entertainment. With its 3% cash back rate in those categories, it's a win for socialites that don't want to pay for an annual fee.

      Pros & Cons

      • No annual fee
      • Unlimited 3% cash back in popular categories
      • No foreign transaction fees
      • Easy-to-redeem cash back rewards
      • High standard rate APR
      • Limited cash back reward categories

      Card Details

      • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
      • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
      • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to capital one beginner credit card much you can earn
      • 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that
      • No foreign transaction fee
      • No annual fee

      Best for fair credit

      Capital One Platinum Credit Card

      Regular APR

      26.99% (Variable)

      Credit Score

      Average, Fair, Limited

      Why We Picked It

      If you've got fair credit, the Capital One Platinum Credit Card offers a no-frills path to get back on your feet. Since there's no annual fee, this can be a low cost option if you make your payments on time and don't carry a balance. Given the shockingly high APR, it's wise to use the card for everyday expenses and pay the balance in full.

      Pros & Cons

      • No foreign transaction fees
      • Applicants with fair credit may be approved
      • Increased credit line possible in as little as 6 months
      • Very high variable APR
      • No rewards program
      • No welcome bonus or intro APR offer
      • 3% cash advance fee (min $10)

      Card Details

      • Pay no annual fee
      • Be automatically considered for a higher credit line in as little as 6 months
      • Fraud coverage if your card is lost or stolen
      • Use online banking to access your account, even from your smartphone, with our mobile app
      • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
      • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
      • Get access to your account 24 hours a day, 7 days a week
      • Help capital one beginner credit card your credit through responsible use of a card like this

      Best for earning a flat rate of cash back on all purchases

      Capital One QuicksilverOne Cash Rewards Credit Card

      1.5% Reward Rate

      Earn unlimited 1.5% cash back on every purchase, every day.

      Regular APR

      26.99% (Variable)

      Credit Score

      Average, Fair, Limited

      Why We Picked It

      A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.

      Pros & Cons

      • Unlimited 1.5% cashback rewards
      • Average credit applicants considered
      • No foreign transaction fee
      • Rewards don’t expire
      • High APR
      • No bonus spending categories to boost rewards
      • No welcome offer
      • No intro APR offer

      Card Details

      • Earn unlimited 1.5% cash back on every purchase, every day
      • Earn cash rewards without signing up for rotating categories
      • Be automatically considered for a higher credit line in as little as 6 months
      • Monitor your credit profile with the CreditWise® app, free for everyone
      • $0 fraud liability if your card is ever lost or stolen
      • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
      • Help strengthen your credit for the future with responsible card use
      • Get customized alerts and manage your account with the Capital One mobile app

      Best for Walmart

      Capital One® Walmart Rewards® Card *

      Capital One® Walmart Rewards® Card

      Up to 5% Reward Rate

      Earn 5% back on Walmart.com & in the Walmart app, including Grocery Pickup capital one beginner credit card Delivery; Earn 2% back on restaurantsRead More

      Welcome Bonus

      5% cash back for the first 12 months

      Regular APR

      17.99% - 26.99% Variable APR on purchases and balance transfers

      Credit Score

      Fair (650 - 699)

      Why We Picked It

      The card offers excellent rewards for those who frequently shop at Walmart, particularly online. With no annual fee, it's a sweet deal to earn up to 5% cash back.

      Pros & Cons

      • Up to 5% cash back
      • 2% cash back at restaurants and travel
      • No annual fee or foreign transaction fee
      • Applicants with average credit may qualify
      • Base reward rate of 1% could be better
      • High to very high APR, depending on creditworthiness
      • No intro APR offer

      Card Details

      • Earn 5% cash back in Walmart stores for the first 12 months when you use your Capital One® Walmart Rewards
      • 17.99% – 26.99% Variable APR on purchases and balance transfers
      • No annual fee
      • 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery
      • 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA Fuel Stations
      • 1% back everywhere else Mastercard® is accepted
      • Ways to redeem rewards: Use rewards during checkout at Walmart.com, redeem for a purchase, get an account credit, redeem for gift cards from Walmart or other retailers, or redeem for flights, hotels, and car rentals
      • $0 fraud liability: If your card is ever lost or stolen, you won’t be responsible for fraudulent purchases
      • Capital One Mobile app: Pay your bill, get real-time purchase notifications, lock or unlock your card and more.

      Best for students for dining and entertainment rewards

      Capital One SavorOne Student Cash Rewards Credit Card

      Источник: https://www.forbes.com/advisor/credit-cards/best/capital-one/

      Expanding access through technology.

      Petal 1 has everything you need to stay on the financial fast track. Pay on time successfully each month, build credit, and avoid paying any fees. Then rinse, and repeat.

      No annual fee

      No one should have to pay a fee to get access to a credit card.

      No international fee

      Take Petal 1 with you wherever you go.

      Help avoiding late fees

      Turn on AutoPay and never miss a payment.

      Источник: https://www.petalcard.com/petal-1

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