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.
| # | Card | Annual fee | A 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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