I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).
Graham R. asks, “Is there a reason you don’t ever seem to mention Capital One credit cards?”
I’ve got Capital One cards included in my recommended credit card list. The products are mostly all fine, rarely best in class. For instance 2% travel rebate cards, nothing wrong with that and far better than average but you can do better than 2%. So I’m usually writing about either first tier or oddball stuff, and give less coverage to the next tier products.
Capital One’s points let you buy any flight without worrying about restricted award availability. This is most useful for people who use their rewards for domestic economy flights, and can be especially valuable over peak travel dates.
And there are some strong offers for CapOne products, for instance:
Capital One® Venture® Rewards Credit Card lets you earn a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel. Earning is 2x per dollar on all purchases, plus 10 miles per dollar on hotels when you pay with your Venture card at hotels.com/venture. It has a $0 annual fee the first year; $95 after that.
Capital One® Spark® Miles for Business lets you earn 50,000 miles once you spend $4,500 on purchases within 3 months from account opening. Earning is 2 miles per $1 on every purchase. There’s a $0 intro annual fee for the first year; $95 after that.
Capital One® Spark® Cash for Business has a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. Earning is 2% cash back. The card has a $0 intro annual fee for the first year; $95 after that.
Capital One® Savor℠ Cash Rewards Credit Card has a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. Earning is 3% cash back on dining, 2% on groceries and 1% on all other purchases, and there’s no annual fee.
Having just one primary credit card number is a huge risk, providing thieves with a single point of access for fraud. A new system from Capital One aims to resolve that by giving users as many credit card numbers as they need, helping to minimize the damage from high-profile data breaches.
Virtual account numbers are one tool to reduce fraud and also increase consumer confidence using their card which may lead to higher spending, win-win for the issuer.