No Annual Fee
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One Spark Miles for Business
See rates and fees
Rewards rate
2X miles on every purchase for your business.
5X miles on hotels and rental cars booked through Capital One Travel.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
Unlimited 2X miles on every purchase.
$0 intro annual fee for the first year.
Up to $100 credit for Global Entry or TSA PreCheck.
No foreign transaction fees.
High variable APR of 26.24%.
Bonus miles require significant spending.
$95 annual fee after the first year
Card Details
The Capital One Spark Miles for Business is designed for businesses seeking simple travel rewards. Earn 2X miles on everything, 5X on hotels and rental cars booked through Capital One Travel, and a 50,000-mile bonus after spending $4,500 in 3 months. Enjoy a $0 intro annual fee the first year, then $95, plus Global Entry/TSA PreCheck credit and no foreign transaction fees.
Capital One Venture Rewards Credit Card
See rates and fees
Rewards rate
1.25 miles per dollar on every purchase.
5 miles per dollar on hotels and rental cars booked through Capital One Travel.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee.
Earn 1.25 miles per dollar on every purchase and 5 miles per dollar on bookings through Capital One Travel.
0% intro APR for 15 months on purchases and balance transfers.
No foreign transaction fees.
Lower rewards rate compared to some other travel cards (1.25 miles per dollar).
High variable APR after the intro period (19.99% – 29.99%).
Bonus miles offer is modest compared to some premium cards.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One VentureOne Rewards Credit Card is a travel card for those seeking simplicity and no annual fee. Earn 1.25 miles on everything, 5 miles on hotels and rental cars booked through Capital One Travel, and a 20,000-mile bonus (after spending $500 in 3 months). Enjoy a 0% intro APR on purchases and balance transfers for 15 months, and no foreign transaction fees. While the rewards rate is lower than some premium cards, this one’s ideal for occasional travelers who prioritize affordability.
Capital One Platinum Credit Card
See rates and fees
Rewards rate
no rewards
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
No annual fee, making it cost-effective for users looking to build or rebuild their credit.
Automatic consideration for a higher credit line in as little as 6 months, which can positively impact credit utilization and potentially improve credit scores.
Free unlimited access to CreditWise from Capital One, allowing users to monitor their credit profile and score.
$0 Fraud Liability ensures users are not responsible for unauthorized charges, adding a layer of security.
High regular APR of 30.74% variable, which can be costly if balances are carried month to month.
No rewards or cash back, limiting the benefits for users beyond credit building.
Limited additional benefits compared to other credit cards, which might not appeal to users looking for more perks.
Card Details
The Capital One Platinum Credit Card is designed for those rebuilding their credit. Enjoy no annual fee, potential credit line increases over time, and free credit monitoring with CreditWise®. While the APR is high and it lacks rewards, this card focuses specifically on responsible credit use to help rebuild your score.
Capital One Quicksilver Cash Rewards Credit Card
See rates and fees
Rewards rate
1.5% cash back on every purchase, every day.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee.
Unlimited 1.5% cash back on all purchases.
$200 cash bonus intro offer.
0% intro APR on purchases and balance transfers for 15 months.
No foreign transaction fees.
High variable APR after the intro period.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One Quicksilver Cash Rewards Credit Card is ideal for those seeking simple cash back. Earn unlimited 1.5% back on everything, plus a $200 bonus after spending $500 within 3 months. Enjoy no annual fee, a 0% intro APR on purchases and balance transfers for 15 months, and no foreign transaction fees. While the APR is variable after the intro period, this card offers straightforward rewards for everyday spending.
Capital One QuicksilverOne Cash Rewards Credit Card
See rates and fees
Rewards rate
1.5% cash back on every purchase, every day.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
Unlimited 1.5% cash back on all purchases.
Automatic consideration for a higher credit line in as little as 6 months.
Access to CreditWise to monitor your credit score for free.
$0 Fraud Liability for unauthorized charges.
$39 annual fee.
High variable APR of 30.74%.
No specific intro APR offer mentioned.
Card Details
The Capital One QuicksilverOne Cash Rewards Credit Card earns unlimited 1.5% cash back on everyday purchases for a $39 annual fee. It’s designed for those with fair credit and includes automatic credit line reviews and free credit monitoring through CreditWise®. Be mindful of the high APR.
Capital One SavorOne Cash Rewards Credit Card
See rates and fees
Rewards rate
3% cash back on dining, entertainment, popular streaming services, and at grocery stores.
5% cash back on hotels and rental cars booked through Capital One Travel.
1% cash back on all other purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee and no foreign transaction fees.
3% cash back on dining, entertainment, streaming services, and groceries.
$200 cash bonus intro offer.
0% intro APR on purchases and balance transfers for 15 months.
High variable APR after the intro period.
1% cash back on all other purchases might be low for some users.
Balance transfer fee applies after the intro APR period.
Card Details
The Capital One SavorOne Cash Rewards Credit Card is perfect for foodies and entertainment enthusiasts! Earn 3% on dining, entertainment, streaming services, and groceries, plus 5% on hotels and rental cars booked through Capital One Travel. Enjoy no annual fee, a $200 bonus, and a 0% intro APR on purchases and balance transfers for 15 months.
Capital One VentureOne Rewards for Good Credit
See rates and fees
Rewards rate
1.25 miles per dollar on every purchase.
5 miles per dollar on hotels and rental cars booked through Capital One Travel.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee, making it an affordable option for earning travel rewards.
Earn unlimited 1.25 miles per dollar on every purchase, enhancing every spending opportunity.
No foreign transaction fees, ideal for international travelers.
Miles can be transferred to over 15+ travel loyalty programs, offering flexibility in how rewards are used.
High regular APR of 30.74% variable, which can be costly if carrying a balance.
No introductory APR offer, which means new purchases and balance transfers will accrue interest at the regular APR from the beginning.
Limited benefits compared to other travel rewards cards, especially for those with higher credit scores seeking premium perks.
Card Details
The Capital One VentureOne Rewards Credit Card is a travel card for those with good credit seeking simplicity and no annual fee. Earn 1.25 miles on everything, 5 miles on hotels and rental cars booked through Capital One Travel, and enjoy no foreign transaction fees. Transfer miles to 15+ airline partners for maximum flexibility. Be aware of the high APR.
Capital One Spark Cash Select for Excellent Credit
See rates and fees
Rewards rate
Unlimited 1.5% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
5% cash back on hotels and rental cars booked through Capital One Travel.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee, making it an economical choice for businesses.
Generous $750 cash bonus after meeting the initial spending requirement.
Unlimited 1.5% cash back on all purchases simplifies earning rewards.
No foreign transaction fees, ideal for businesses making purchases abroad.
Higher spending requirement ($6,000 in the first 3 months) to earn the cash bonus.
Variable APR after any intro offer could be high for businesses with lower creditworthiness.
Cash back rate, while competitive, may not be as high as some other business credit cards that offer bonus categories.
Card Details
The Capital One Spark Cash Select is ideal for businesses seeking simple cash back rewards and a generous intro bonus. Earn unlimited 1.5% on everything, 5% on hotels and rental cars booked through Capital One Travel, and a $750 cash bonus after you spend $6,000 within 3 months. There’s no annual fee, and no foreign transaction fees. While the APR is variable, this card’s straightforward rewards make it worthwhile for businesses with excellent credit.
Capital One Spark Cash Select for Good Credit
See rates and fees
Rewards rate
Unlimited 1.5% cash back for your business on every purchase, everywhere, with no limits or category restrictions.
5% cash back on hotels and rental cars booked through Capital One Travel.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee, making it a cost-effective choice for businesses.
Unlimited 1.5% cash back on all purchases, simplifying reward earning without tracking categories.
0% intro APR on purchases for 12 months, providing a period of interest-free spending.
No foreign transaction fees, ideal for businesses with international transactions.
Cash back rate may be lower compared to other business credit cards that offer higher rewards in specific categories.
No specific intro bonus offer, which is commonly available with other business credit cards.
After the intro APR period, the variable APR can be relatively high based on creditworthiness.
Card Details
The Capital One Spark Cash Select for Good Credit is perfect for businesses seeking simple cash back and payment flexibility. Earn unlimited 1.5% on everything, 5% on hotels and rental cars booked through Capital One Travel, and enjoy a 0% intro APR on purchases for 12 months. There’s no annual fee or foreign transaction fees. While the APR is variable and the rewards rate may be less than some cards, this card is ideal for businesses with good credit seeking to manage cash flow and earn rewards.
Capital One SavorOne Student Cash Rewards Credit Card
See rates and fees
Rewards rate
Unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).
1% on all other purchases.
bonus_miles
Intro Offer
annual_fees
Annual Fee
reg_apr,reg_apr_type
Regular APR
credit_score_needed
Recommended
Credit Score
Pros & cons
$0 annual fee, making it accessible for students.
Earn 3% cash back in popular categories such as dining, entertainment, streaming services, and grocery stores.
Simple and valuable intro offer of a $50 cash bonus for minimal initial spending.
No foreign transaction fees, beneficial for students studying abroad or traveling.
High APR range, which can be costly if carrying a balance.
Cash back on purchases outside of the bonus categories is limited to 1%.
Exclusions in the 3% cash back category, such as purchases at superstores and warehouse clubs.
Card Details
The Capital One SavorOne Student Credit Card is perfect for students looking to earn cash back on the things they love. Get an unlimited 3% on dining, entertainment, streaming services, and groceries (excluding superstores), plus a $50 bonus after spending just $100 within 3 months. There’s no annual fee, and no foreign transaction fees make it ideal for study abroad. Just remember the APR is high if you carry a balance.