Capital One credit cards, compared
7 Capital One cards, from what each earns on a typical year's spending down to what its fee costs. Every card links to its own page, with every rate and where it ranks.
Ranked by what each card earns in a year once its annual fee is paid — every rate converted to dollars with a dated point valuation, spending caps honoured, and rotating categories not credited. Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
| # | Card | Annual fee | A year, after the feeA year of rewards on the illustrative household spending described on the method page, minus the annual fee. Your own spending will give a different number. |
|---|---|---|---|
| 1 |
Capital One, Points, most from Groceries |
$95 a year | $858 |
| 2 |
Capital One, Points, most from Groceries |
none | $595 |
| 3 |
Capital One, Points, most from Groceries |
$395 a year | $558 |
| 4 |
Capital One, Cash back, most from Groceries |
none | $478 |
| 5 |
Capital One, Cash back, most from Groceries |
$39 a year | $439 |
| 6 |
Capital One, Cash back, most from Groceries |
none | $397 |
| 7 |
Capital One, Cash back, most from Groceries |
$39 a year | $358 |