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Capital One credit cards, compared

6 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.

#CardAnnual feeA year, after the fee
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

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