Edited by: Keri Stooksbury
& Kellie Jez
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Before Capital One unveiled its new transferable rewards program called Capital One Miles, its cash-back rewards offerings were off the charts.
It wasn’t unusual to be able to earn 4% cash-back or more on everyday purchase categories like dining, groceries, and entertainment.
A bit of attention has been drawn away from cash-back since the explosion in popularity of Capital One Miles, but in this article, we’ll cover which Capital One credit cards earn cash-back and how to earn lots of cash-back with Capital One’s cash-back cards.
It’s hard to deny there’s a more flexible rewards currency than cash-back!
With Capital One, cash-back is accumulated in your account so you can save for a large statement credit or significant purchase.
Additional redemption options include gift cards, making a charitable donation, or receiving a check (at a reduced value).
Capital One also makes it easy to earn cash-back. With multiple bonus spending categories on Capital One personal cards, your cash-back earnings will add up fast.
On the business side, you won’t have to keep track of special earning categories at all with flat rate earnings across the board.
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.
Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.
A card that earns 1.5% cash-back for everything is more your speed.
That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.
Meet your minimum spending requirement within the first 90 days after card approval and earn a welcome offer.
The best Capital One cash-back cards for travel purchases are the Quicksilver card or the Capital One QuicksilverOne Cash Rewards Credit Card, which both earn 1.5% cash-back per dollar spent on all purchases.
You won’t hesitate to pick up the tab at that next group dinner with these Capital One credit cards. Earning 3% to 4% cash-back makes figuring out who owes how much worth it!
Hot Tip: Grocery stores sell more than just groceries! It’s possible to utilize your Capital One Savor card or Capital One SavorOne card to purchase gift cards (earning 3% cash-back) to use for non-bonus category purchases, such as gas and department stores.
In addition to earning rewards on dining, your entertainment purchases can earn cash-back.
Capital One defines entertainment quite broadly:
Rewards earned on everyday household purchases add up quickly when every purchase you make earns cash-back. The Quicksilver card and QuicksilverOne card both earn 1.5% cash-back per dollar spent on these purchases.
You’ll earn 10% cash-back on Uber and Uber Eats purchases with these Capital One cards.
These cards also come with a complimentary Uber One monthly membership credit through November 14, 2024.
We think we’ve established the fact that Capital One has a simple rewards earnings structure — but nothing gets quite as simple as earning rewards on Capital One’s cash-back business credit cards.
First, there are no bonus categories whatsoever.
Additionally, you’ll earn 1.5% to 2% cash-back per dollar spent, depending on the card. That’s it.
With this easy formula as a foundation, we’ll take a look at how Capital One credit cards fare when it comes to earning cash-back.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and free employee cards, there is something that every business owner will love.
The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.
If you’re looking for a cash-back business card with no annual fee, Capital One Spark Cash Select card offers 1.5% cash back on every purchase.
Capital One business credit cards earn generous welcome offers after completing initial spending requirements in the first 90 days after card approval.
In addition to the initial welcome offer, there are sometimes tiered spending bonuses that allow you to earn more. Check the current offers for tiered spending bonuses.
Because of the simple earning structure, all purchases receive the same level of rewards: the Capital One Spark Cash Plus card earns 2% cash-back and the Capital One Spark Cash Select for Excellent Credit earns 1.5% cash-back.
Whether you purchase travel, office supplies, or shipping, you’ll earn the same level of cash-back rewards on every purchase with your Capital One business credit card.
Cash-back rewards that you earn on your Capital One card never expire as long as you have a Capital One account open and in good standing. If you close your account, unused cash-back will be forfeited.
Capital One credit cards do not charge foreign transaction fees.
Occasionally, Capital One runs Refer a Friend promotions that reward you with statement credits for referring a friend who is subsequently approved for the credit card. These promotions are usually targeted to specific cardholders who receive an invitation email with the terms of the referral program, but cardholders of the Quicksilver card, Capital One Savor card, or Capital One SavorOne card in good standing may qualify for the referral program. To find your referral link, sign in to your account or look in the app for the Refer a Friend tile on the account details page.
There’s no need to feel left out if you have bad credit or no credit — Capital One issues several credit cards for building or rebuilding credit. The issuer also offers the opportunity to find out if you’re pre-qualified or pre-approved for one of their credit cards.
Capital One’s cash-back cards have a lot going for them, especially if you focus on a handful of unique credit cards offering outsized cash-back. For example, the Capital One Savor card earns an awesome 4% cash-back on dining and entertainment.
But because these cash-back rewards are always fixed in value, earning 1% to 4% cash-back via Capital One’s cash-back credit cards might not be the best you can get. It’s probably better to use a card that earns Membership Rewards or Ultimate Rewards points.
The American Express® Gold Card, for instance, earns 4 Membership Rewards points per dollar spent on dining — and Membership Rewards have the potential to deliver value far greater than 1 cent per point.
The information regarding the Capital One SavorOne Card Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Quicksilver Student Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One SavorOne Student Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here.
When you make a purchase on your Capital One cash-back credit card, the amount of the purchase will earn the applicable percentage of cash-back.
For instance, if you use the Capital One Savor card for dining and spend $50, you will earn 4% cash-back and receive $2 cash-back deposited into your Capital One account.
To redeem your cash-back, simply log in to your Capital One online account, view your rewards balance, and choose the redemption option you prefer.
You can request a statement credit that will be applied to your credit card balance.
Cash-back rewards can also be redeemed for gift cards, a charitable donation, or as cash sent to you in the form of a check (at a reduced value).
The best Capital One credit card for you will depend on your spending habits and whether you want to pay an annual fee.
This is because some personal Capital One credit cards have bonus categories that offer higher rewards for spending in those categories. For example, the Capital One Savor card and Capital One SavorOne card are best for dining and entertainment purchases. All other spending earns between 1% to 2% cash-back, depending on the card.
You’ll also want to make sure that the redemption options on the card you choose deliver value for you or your business.
Yes, Capital One offers the Capital One Spark Cash Plus card, which is a business credit card offering unlimited 2% cash-back.
Capital One has cards that offer 3% cash-back in certain categories like dining, entertainment, streaming, and grocery stores, but it doesn’t offer a card that offers a blanket 3% cash-back on all purchases.
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