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January 17, 2018

Capital One Credit Card Promotions: February 2018

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Capital One is offering lucrative promotions for new credit card applicants. Which deal is right for you? Read this in-depth guide.

Capital One credit cards don't seem to get as much attention as other cards. But there are some excellent promotional bonus offers. And Capital One has an option for almost everyone, no matter what your credit is.

Capital One Promotions

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Read on for the list of current card promotions for new applicants. Apply for a new Capital One credit card from this list and make the qualifying purchases within the specified timeframe to get the bonus promotion.

Tip: Have an existing balance to transfer? Read this Capital One balance transfer guide before you apply.

Cash Rewards Cards

Capital One Quicksilver offers a one-time bonus of $150 if you spend $500 on purchases within three months of account opening. This card earns 1.5% cash back on all purchases. There is a 0% intro APR on purchases and balance transfers for 9 months. After that, a variable APR, currently 14.24% to 24.24%. There is a 3% balance transfer fee. There is no annual fee.

Capital One QuicksilverOne earns 1.5% cash back on all purchases. After making your first 5 monthly payments on time, you can be eligible to receive a higher credit line. There is a $39 annual fee.

Travel Reward Cards

Capital One Venture offers a one-time bonus of 50,000 miles if you spend $3,000 on purchases within three months of account opening. 50,000 miles is equal to $500 in travel. This card earns 2x miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There are no foreign transaction fees. There is a $95 annual fee ($0 intro annual fee for the first year).

Capital One VentureOne offers a one-time bonus of 20,000 miles if you spend $1,000 on purchases within three months of account opening. 20,000 miles is equal to $200 in travel. This card earns 1.25 miles per dollar on all purchases. You can redeem miles toward travel purchases on any airline, hotel, or car rental. There is a 0% intro APR on purchases for 12 months. After that, a variable APR, currently 13.24% to 23.24%. There are no foreign transaction fees. There is no annual fee.

Fair/Limited Credit

Capital One Platinum offers a no annual fee credit card to people with fair credit. You get access to a higher credit limit after you make your first 5 monthly payments on time.

Bad/Limited Credit

Capital One Secured Card reports to the 3 major credit bureaus to help you build credit when used responsibly. This secured credit card's variable APR is 24.99%. You can receive an initial $200 credit line with a security deposit of $49, $99 or $200, depending on your creditworthiness. And if you make your first 5 monthly payments on time, you can get access to a higher credit line with no additional deposit. There is no annual fee.

Student Credit Card

Capital One Journey offers 1% cash back on all purchases. If you pay on time, you can boost your cash back to a total of 1.25% for that month. After you make your first 5 monthly payments on time, you may get access to a higher credit line. There is no annual fee.

In-Depth Guide to Capital One Credit Cards

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Which Capital One Deal Is Right for You?

To pick the right card for you, consider the following factors:

  • Your credit score: The good thing about Capital One is that they offer credit cards for a range of credit scores. Your credit score will largely determine what card you're able to quality for. Below, we tell you the credit qualification for each card.

  • Annual fee: How often will you use your new Capital One card? Cards with annual fees usually offer more rewards or benefits. But before you apply for the credit card, think: will you realistically earn enough in rewards to make up for the expense?

  • Cash back vs travel miles: Cash back will allow you to use the rewards however you like. But if you like to travel, Capital One's travel reward cards allow you to earn miles for travel purchases and offer great travel benefits.

Tip: One thing we really applaud Capital One for is that they NEVER charge a foreign transaction fee. Many other banks charge a 3% fee for purchases made outside of the US. Capital One does not do this, so you can travel abroad with any of their cards.

Capital One Credit Card Offers for New Applicants

New Application: Before you apply for a new Capital One card, here are some things you need to know.

  • You can see which cards you're pre-approved for on Capital One's website.
  • You can only have 2 personal Capital One cards at a time.
  • You will not be matched to a higher bonus if a better offer comes along after your application. Make sure you're applying when the bonus is the biggest.
  • Capital One business cards do show up on your personal credit report as well.
  • Capital One does a hard pull from all 3 credit bureaus when reviewing your application.

We'll make your decision simpler with side-by-side Capital One offers comparisons below.

Earn Cash Back: Capital One Quicksilver Cards

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If you'd prefer cash back, Capital One has two options: Quicksilver and Quicksilver One.

 

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

 

Interest Rates and Fees

Introductory APR for Purchases0% intro on purchases for 9 monthsN/A
Introductory APR for Balance Transfers0% intro on balance transfers for 9 monthsN/A
Purchase APR14.24% to 24.24% (Variable) based on your creditworthiness and other factors24.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR14.24% to 24.24% (Variable) based on your creditworthiness and other factors24.99% (Variable) based on your creditworthiness and other factors
Balance Transfer Fee3% of the amount of each transfer that posts to your account within the first 9 months.No balance transfer fee
Annual Fee$0 annual fee$39 annual fee
 

Benefits and Features

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Earn a one-time $150 bonus if you spend $500 on purchases within three months of account opening. 
Cash Back RewardsCash Back Rewards: Earn 1.5% cash back on every purchaseCash Back Rewards: Earn 1.5% cash back on every purchase
 Learn MoreLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Capital One Quicksilver: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Capital One QuicksilverOne: Pricing information including interest rates, rewards, benefits and fees was obtained on July 7, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® QuicksilverOne® Cash Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Both cards offer 1.5% cash back on all purchases. The difference is that they cater to people with different credit ranges.

  • Capital One Quicksilver (read review) is for those with excellent credit. It has a sign-up bonus of $150 if you spend $500 within three months of account opening. It also has a 9-month, 0% intro APR on new purchases and balance transfers (after that, variable APR is 14.24% to 24.24%).

  • In comparison, Capital One QuicksilverOne is for those with fair/average credit. It has no sign-up bonus and no intro APR. There is an annual fee of $39. But it's rare to find a reward card for those with fair credit. You can also get a higher credit line after making 5 monthly payments on time.

    To make up for the $39 annual fee, you would have to spend at least $2,600 in a year ($217/month) on your card. With 1.5% cash back on every purchase, that would equal $39, breaking even.

Travel Rewards Promotions: Venture Cards

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If you like to travel, consider one of Capital One's travel reward cards. You earn "miles" that you can use towards any travel purchase on your statement.

Capital One offers two travel reward cards: Venture and VentureOne. Both give you travel miles, but one has more rewards and an annual fee.

 

Capital One® Venture® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

 

Interest Rates and Fees

Introductory APR for PurchasesN/A0% intro on purchases for 12 months
Purchase APR14.24% to 24.24% (Variable) based on your creditworthiness and other factors13.24% to 23.24% (Variable) based on your creditworthiness and other factors
Balance Transfers APR14.24% to 24.24% (Variable) based on your creditworthiness and other factors13.24% to 23.24% (Variable) based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer feeNo balance transfer fee
Annual Fee$0 intro annual fee for first year; $95 after that$0 annual fee
 

Benefits and Features

Introductory Bonus Airline RewardsIntroductory Bonus Airline Rewards: Earn a one-time bonus of 50,000 miles if you spend $3,000 on purchases within three months of account opening (worth $500 in travel).Introductory Bonus Airline Rewards: Earn a one-time bonus of 20,000 miles if you spend $1,000 on purchases within three months of account opening (worth $200 in travel)
Travel RewardsTravel Rewards: Earn 2x miles per dollar on all purchases. Redeem your miles for travel purchases on any airline, hotel, or car rental.Travel Rewards: Earn 1.25 miles per dollar on all purchases. Redeem your miles for travel purchases on any airline, hotel, or car rental.
Airline RewardsAirline Rewards: Earn 2x miles per dollar on all purchasesAirline Rewards: Earn 1.25 miles per dollar on all purchases.
 Learn MoreLearn More

Capital One Venture: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Capital One VentureOne: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Capital One® Venture® Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

  • Capital One Venture (read review) offers 2x miles on all purchases. You get 50,000 bonus miles (equals $500) if you spend $3,000 on purchases within three months of account opening. There is a $95 annual fee.

  • Capital One VentureOne has no annual fee, but offers less rewards. You get 1.25x miles on all purchases. You get 20,000 bonus miles (equals $200) if you spend $1,000 on purchases within three months of account opening. Another advantage is that it has an intro APR on purchases.

You generally need excellent credit for these travel reward cards.

Tip: Even though the Venture has a $95 annual fee, the much higher bonus and earning power will make it more valuable if you travel often. You will earn more rewards if you spend at least $12,667 a year ($1,056/month) on your card.

If you don't travel often, then consider whether a cash back card (like the Quicksilver) is better since it has no annual fee and gives you 1.5% back (instead of just 1.25x for the VentureOne).

Capital One for Students

Capital One offers the Journey Student Rewards credit card for college students. Having a card in college is great for building credit and covering necessities and emergencies.

It offers 1% cash back on all purchases. And if you pay on time, you can get a total of 1.25% back for the month. This teaches college students to be financially responsible early on.

It has no annual fee. You don't need to have prior credit history, but you may need a cosigner.

Capital One for Limited Credit

If your credit score is less than stellar, there are a couple of options for you too.

  • Capital One Platinum is for those with fair or limited credit. It's usually hard to get a credit card with no annual fee when you have lower credit. So it's great that Capital One provides this option. There are no rewards, though. You can get a higher credit limit if you make 5 monthly payments on time.

  • Capital One Secured may be your only option if you have bad or no credit at all. You need to put down a cash deposit, which becomes the "security." The good thing about Capital One's Secured card is that you may qualify for a higher credit line than your deposit. Depending on your credit history, you may only need to put down a $49 deposit to receive a $200 credit line.

    If you make 5 monthly payments on time, you can get a higher credit line with no additional deposit. There is no annual fee.

Capital One for Small Business

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You don't have to be a large corporation to get a business credit card from Capital One. Are you a freelancer? Do you have a side gig?

You spend a lot of money running your business. Why not take advantage of that spend?

Capital One offers several small business cards for cash back and travel miles. Read on for the latest Capital One business credit card promotions.

Business Credit Cards with Cash Back

 

Capital One® Spark® Cash for Business

Capital One® Spark® Cash Select for Business

 

Interest Rates and Fees

Introductory APR for PurchasesN/A0% introductory APR for 9 months
Purchase APR18.24% (Variable) based on your creditworthiness and other factors14.24% to 22.24% (Variable) based on your creditworthiness and other factors
Balance Transfers APR18.24% (Variable) based on your creditworthiness and other factors14.24% to 22.24% (Variable) based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer feeNo balance transfer fee
Annual Fee$0 intro annual fee for first year; $95 after that$0 annual fee
 

Benefits and Features

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Get a $500 cash bonus if you spend $4,500 on purchases within the first 3 months of account opening.Introductory Bonus Cash Back: Get a $200 cash bonus if you spend $3,000 on purchases within the first 3 months of account opening.
Cash Back RewardsCash Back Rewards: Earn 2% cash back on every purchaseCash Back Rewards: Earn 1.5% cash back on every purchase
 Learn MoreLearn More

Capital One Spark Cash: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Capital One Spark Cash Select: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Capital One® Spark® Cash for Business and Capital One® Spark® Cash Select for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

The Spark Cash has a lot larger bonus and you get more back for each dollar you spend. It's the better choice if your business spends more than $19,000 a year ($1,584/month). You will earn more net cash back even after the $95 annual fee.

If your business is new, you may like the no-annual-fee Spark Cash Select. It has a 0% intro APR on purchases for 9 months (after that, variable APR is 14.24% to 22.24%), which is great if you don't yet have steady cash flow.

Do you have average credit? Capital One also has the Spark Classic for business owners with lower credit scores. You get 1% cash back on all purchases and there is no annual fee.

Business Travel Rewards

 

Capital One® Spark® Miles for Business

Capital One® Spark® Miles Select for Business

 

Interest Rates and Fees

Introductory APR for PurchasesN/A0% introductory APR for 9 months
Purchase APR18.24% (Variable) based on your creditworthiness and other factors14.24% to 22.24% (Variable) based on your creditworthiness and other factors
Balance Transfers APR18.24% (Variable) based on your creditworthiness and other factors14.24% to 22.24% (Variable) based on your creditworthiness and other factors
Balance Transfer FeeNo balance transfer feeNo balance transfer fee
Annual Fee$0 intro annual fee for first year; $95 after that$0 annual fee
 

Benefits and Features

Introductory Bonus Airline RewardsIntroductory Bonus Airline Rewards: Get a 50,000 bonus miles if you spend $4,500 on purchases within the first 3 months of account opening.Introductory Bonus Airline Rewards: Get a 20,000 miles bonus if you spend $3,000 on purchases within the first 3 months of account opening.
Travel RewardsTravel Rewards: Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.Travel Rewards: Redeem miles for travel, cash back, gift cards, and more. Fly on any airline, anytime, with no blackout dates or seat restrictions.
Airline RewardsAirline Rewards: Earn 2 miles per dollar on every purchaseAirline Rewards: Earn 1.5 miles per dollar on every purchase. You can fly on any airline, anytime, with no blackout dates or seat restrictions.
 Learn MoreLearn More

Capital One Spark Miles: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Capital One Spark Miles Select: Pricing information including interest rates, rewards, benefits and fees was obtained on December 28, 2017 from published websites and is believed to be accurate, but not guaranteed.

Disclaimer: The information for the Capital One® Spark® Miles for Business and Capital One® Spark® Miles Select for Business has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

If your business has travel needs, consider one of these travel reward cards instead. Remember, you don't exactly get "miles" to use with airlines. They're more like general travel points that you can apply toward any travel purchase on your statement (flights, hotels, car rentals, taxis, etc.).

Just like their cashback cousins, the Spark Miles is better if your business has higher expenses, while the Miles Select is better for new businesses.

Sign-up Bonus: Making Your Choice

Hopefully, certain bonuses stuck out for you as you looked down this list. Which card is the best fit for you depends on your spending patterns and what you hope to get out of your credit card. As with any credit decision, research is important to make sure you pick the card that's best for your specific financial situation.

Remember: as with all credit card and bank offers, terms and limitations apply.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One.

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card, Capital One® Spark® Classic for Business, Capital One® Venture® Rewards Credit Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Spark® Cash for Business, Capital One® Spark® Miles for Business, Capital One® VentureOne® Rewards Credit Card, Journey® Student Rewards from Capital One®, Capital One® Spark® Cash Select for Business, Capital One® Spark® Miles Select for Business, Capital One® Platinum Credit Card, and Capital One® Secured Mastercard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


Capital One Balance Transfer Offers


Credit Cards for Excellent Credit


Capital One Venture Review

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Capital One Platinum

Capital One Platinum is a no-frills, no annual fee credit card for people with average credit. Read this review before you apply.
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CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.