Capital One just added a limited-time sweetener to three of its best no-annual-fee cards, making now a great time to add one to your wallet. In addition to the normal bonus offers, each of these cards now includes an instant $100 Capital One Travel credit upon approval.
Here's what is currently at stake:
- *Capital One Savor*: Get a $100 credit for flights, stays, and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
- *VentureOne Card*: Get a $100 credit for flights, stays, and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn 20,000 miles once you spend $500 on purchases within the first 3 months from account opening
- *Capital One Quicksilver*: Get a $100 credit for flights, stays, and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
While both the Savor and Quicksilver cards are marketed as earning cash back, the cash back can be turned into more lucrative Capital One miles if you also hold a card like the *capital one venture card* or *venture x*. With one of those cards already in your wallet, you can turn your cashback into Capital One miles to cover travel purchases or get even greater value out of them by transferring to one of Capital One's travel partners.
Meanwhile, the no-annual-fee VentureOne earns miles outright and has access to all the same redemption options as Venture and Venture X cardholders.
Are these the biggest bonus offers currently out there? Hardly. But they are all solid offers on cards that don't come with the hefty price tag we're accustomed to seeing on most travel cards. And best of all, the $500 minimum spending requirement makes the bonuses much more attainable for modest spenders.
With school starting again soon (if not already), any of these cards would be a great option for someone getting ready to head off to college. So long as you're able to responsibly spend (and pay off!) $500 in the first three months, getting $300 in return is a pretty sweet deal.
Here's everything you need to know about these offers and why they're worth it.
Related reading: The Best Credit Cards for College Students
Quick Benefits Overview
We already covered each card's welcome offer, but the real value of holding one of these Capital One cards goes well be beyond that initial bonus. With different features and spending categories, one may be a better fit than the other.
Keep in mind, the bonus offers listed here also include a limited-time $100 Capital One Travel credit for flights, stays, and rental cars during your first cardholder year.
Here's what you get with each card.
Capital One Savor Cash Rewards Credit Card
- Welcome offer: bonus_miles_full
- Earn 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).
- Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- Earn 8% cash back on Capital One Entertainment purchases.
- Earn 1% cash back on all other purchases.
- No foreign transaction fees
- No annual fee
Learn more about the *Capital One Savor*.
Capital One VentureOne Rewards Credit Card
- Welcome offer: bonus_miles_full
- Earn 1.25x miles per dollar spent on every purchase.
- Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- No foreign transaction fees
- No annual fee
Learn more about the *Cap One VentureOne*.
Capital One Quicksilver Cash Rewards Credit Card
- Welcome offer: bonus_miles_full
- Earn 1.5% cash back on every purchase, every day.
- Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- No foreign transaction fees
- No annual fee
Learn more about the *Capital One Quicksilver*.
Why These Offers Make Sense
We've said it before and we'll say it again: If you're looking for the absolute biggest bonus offer, these aren't it. But you'll never find the biggest pool of points, miles, or cashback on no-annual-fee cards … so that's hardly surprising.
The reason these offers are worth your attention is that the value you get in return for your spending. With any of these cards, you'll automatically get a $100 Capital One Travel credit once approved. Then, if you meet the card's $500 minimum spending requirement in the first three months, you'll earn a $200 (or 20,000-mile) bonus. Add it all up, and that's a 60% return on your spending!
Plus, not everyone spends enough to meet the requirements for cards with bigger bonuses. That makes this trio the perfect option for more modest spenders.
Read more: How to Hit the Minimum Spend (& Earn That Bonus) Responsibly
Which Card Should You Choose?
This might sound like a cop-out, but you really can't go wrong with any one of these cards. With nearly identical bonus offers on all three cards, deciding which one is best for you will largely depend on your spending habits and what other cards you already have.
If you've already got a Capital One Venture or Venture X in your wallet, the *Capital One Savor* should be an easy choice. With either of those cards, the cashback you earn with the Savor Card can be easily converted to more valuable Capital One miles. This combination means you'll be earning a minimum of 2x miles on all your everyday purchases with a Venture card, while getting 3% back (or 3x miles) in popular spending categories like dining and groceries with the Savor card.
If you don't yet have a Capital One Venture Card and travel is your goal, adding the *Cap One VentureOne* is a great place to start. You won't rack up rewards quite as fast as you can with other cards, but you'll still have access to the bank's growing list of transfer partners, and you can easily use miles to cover nearly any travel purchase.
Finally, if travel isn't your top priority, picking up the *Capital One Quicksilver* for its 1.5% cash rewards on all purchases could be the best move for you. If the majority of your spending doesn't fall into one of the Savor card's bonus categories, getting 1.5% back everywhere isn't a bad consolation prize.
Bottom Line
Capital One just sweetened the deal on three of its best no-annual-fee cards, adding a $100 travel credit to the $200 cash bonus (or 20,000 miles) you get after spending just $500 in the first three months.
That’s up to $300 in value – a 60% return on a modest spending requirement – plus solid ongoing rewards on everyday purchases. Whether you want cash back or travel rewards, these offers are a low-cost, easy-entry option worth a look.
