1. Credit Cards
2. Insights
3. Delta SkyMiles® Reserve American Express Card: Serious perks at a serious price

Image: image

10

reviews

3.6

Rating: 3.6 out of 5.

Great for Delta superfans who love luxe travel

Annual Fee: $650

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Delta SkyMiles® Reserve American Express Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $22,952, with $15,000 being the most common.

Here’s the average credit score of members who matched their Delta SkyMiles® Reserve American Express Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 724, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

26%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$122,597

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Strong welcome bonus offer

Image: yes

Annual companion certificate offers lots of potential value

Image: yes

Complimentary first-class upgrades

Image: Con

Big annual fee could ground your plans

Image: Con

Companion certificate not available in your first year of card membership

Image: Con

Upgrades are based on availability and not guaranteed

4 things you should know about the Delta SkyMiles® Reserve American Express Card

Here’s a quick breakdown of the card’s most important features.

1. The bonus miles could take you far

The Delta SkyMiles® Reserve American Express Card offers a welcome bonus.

You’ll earn 100,000 bonus miles after spending $6,000 on purchases during the first 6 months of card membership.

The welcome bonus is especially nice because you might have trouble earning many miles elsewhere with the card. You’ll earn three miles for every $1 you spend on Delta purchases and one mile per $1 on all other eligible purchases. But if you don’t fly Delta especially often, it might be tough to add to your rewards balance.

2. Annual companion certificate helps offset the annual fee

The Delta SkyMiles® Reserve American Express Card bears a huge $650 annual fee, making the card more expensive than many domestic round-trip flights with the airline.

But the fee doesn’t have to ground your travel plans — you’ll also receive a companion certificate each year after your account anniversary. When you buy a ticket for yourself, this certificate allows your companion to tag along for between $22 and $250 (for itineraries with up to four flight segments) in taxes and fees.

Depending on where and how you fly, that certificate could cover the bulk of the annual fee.

3. Terrific luxury perks, but with a catch

The Delta SkyMiles® Reserve American Express Card features some of the best perks we’ve ever seen from a co-branded airline credit card. It offers airport lounge access and the possibility of complimentary upgrades, both of which could be very valuable to those in the market for luxury treatment when they travel.

When you fly with Delta, you may receive complimentary Centurion Lounge visits.

You might also be eligible for complimentary upgrades to first class, Delta Comfort+, and even the super-exclusive Delta One, when you book a main cabin ticket that’s not basic economy. That chance at extra comfort sounds great, but there’s a catch. The complimentary upgrades may prove elusive if you don’t have elite status because you’ll have to wait at the back of the line behind all Medallion members before getting your chance. By the time it’s your turn, there might not be any premium seats left.

On the other hand, if you already have Delta Medallion status, you’ll receive upgrade priority over other Medallion members in the same fare class who don’t have the card.

Other ways this card makes your trip more comfortable

There are other, less luxurious perks that come with the Delta SkyMiles® Reserve American Express Card.

• First checked bag free for you and up to eight guests traveling on the same reservation
• Zone 5 priority boarding for you and up to eight guests traveling on the same reservation
• 20% back on in-flight purchases in the form of a statement credit for things like food and drinks (but not in-flight Wi-Fi)

Who is the Delta SkyMiles® Reserve American Express Card good for?

The Delta SkyMiles® Reserve American Express Card is geared toward luxury travelers who are loyal to Delta.

If you enjoy treating yourself to a nice vacation every now and then, and don’t mind splurging on luxury items like premium-class tickets and airport lounges, this card could give you more bang for your buck.

But even if you prefer booking economy seats, this card still might work for you if you fly at least once or twice a month and take advantage of the annual companion certificate. Otherwise, the high annual fee might be hard to make up.

Not sure this is the card for you? Consider these alternatives.

If the Delta SkyMiles® Reserve American Express Card seems a bit too pricey for what you get, you might be interested in another travel rewards credit card that works well for Delta flyers.

• Delta SkyMiles® Platinum American Express Card: This card might be better for Delta fans who want to earn rewards with a lower annual fee.
• Platinum Card® from American Express: This card could be right for travelers who appreciate luxury but don’t want to be tied down to one particular airline.

1. Credit Cards
2. Insights
3. Capital One Quicksilver Student Cash Rewards Credit Card

Image: image

0

reviews

 

Rating: 0 out of 5.

Great for simple cash back

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One Quicksilver Student Cash Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $4,130, with $500 being the most common.

Here’s the average credit score of members who matched their Capital One Quicksilver Student Cash Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 669, with 748 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

41.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

28 years

Average age of members who matched this card or similar cards.

$65,795

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

This offer is no longer available on our site: Chase Freedom Flex℠

1. Credit Cards
2. Insights
3. Capital One QuicksilverOne Cash Rewards Credit Card review: An accessible cash back card

Image: image

936

reviews

4.4

Rating: 4.4 out of 5.

Great for cash back and average credit

Annual Fee: $39

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One QuicksilverOne Cash Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $1,693, with $300 being the most common.

Here’s the average credit score of members who matched their Capital One QuicksilverOne Cash Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 602, with 572 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

56.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$79,184

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Potential to qualify with some credit issues

Image: yes

Unlimited 1.5% cash back on all purchases

Image: yes

Pathway to a higher credit line after six months

Image: Con

Annual fee, though it’s modest at $39

Image: Con

No sign-up bonus

Image: Con

High variable APR on purchases and balance transfers

Capital One QuicksilverOne Cash Rewards Credit Card: An excellent find for people with ‘fair’ credit

This card is aimed at people with “fair” credit, as the card issuer describes it — yet the Capital One QuicksilverOne Cash Rewards Credit Card offers a decent cash back rate, making it worth considering if you want to get rewarded while building your credit.

Credit requirements

If you have less-than-stellar credit, it can be tough qualifying for a cash rewards credit card that delivers solid benefits. But you can be considered for the Capital One QuicksilverOne Cash Rewards Credit Card even if you have less than three years’ worth of credit history or you’ve had a loan default in the previous five years.

That’s just a basic guideline for how this card issuer defines fair credit — other factors in your credit profile may also be considered when you apply and could impact your approval.

Ongoing rewards

Capital One QuicksilverOne Cash Rewards Credit Card cardholders earn unlimited 1.5% cash back on every purchase. And Capital One makes it easy when it comes to redeeming rewards. You can request a check or statement credit, apply rewards directly to purchases you’ve already made on the account or trade them for gift cards. You can redeem any amount at any time during the life of the account.

Access to a higher credit limit

Cardholders have the potential to get a higher credit line after six months with the card. This can help boost your credit scores in two ways. Your credit scores are based largely on your payment history and the amount of credit you have available compared to the amount of debt you owe, called credit utilization. So as you make on-time payments and decrease your overall credit use, your credit profile could improve.

Annual fee

The card comes with a $39 annual fee, which is modest compared to some other credit cards but an added cost nonetheless.

That cost might not look so bad when you break down how you can make up for it. You’d have to spend at least $2,600 a year in purchases with the card to earn $39 back in rewards. That’s equal to spending around $50 a week — which could easily be met by paying for groceries or other common expenses. Remember, though: You should charge only what you can afford to pay back on the card on time and in full.

What else you need to know

• The card doesn’t have a sign-up bonus or 0% intro APR.
• The annual percentage rate, or APR, is on the high end — a variable 29.74% on purchases and balance transfers. Try to pay off your balance on time each month to avoid interest costs.
• The card offers $0 fraud liability.
• You’ll get alerts for your VantageScore® 3.0 credit score from TransUnion with the CreditWise program, which is a free credit-monitoring tool that allows you to view your credit history and receive advice and tips on how to improve your credit.
• There are no foreign transaction fees.

Who should get this card?

The Capital One QuicksilverOne Cash Rewards Credit Card doesn’t offer the glitz and glam you can get with some cards that have higher annual fees. So this card isn’t for everyone. But it can be a good place to start if you’re working on your credit.

If you’re careful about the way you use your card — by paying off your balance in full and on time every month, for example — the Capital One QuicksilverOne Cash Rewards Credit Card can be a practical way to build your credit while also earning cash back rewards.

Not sure this card is for you? Consider these alternatives.

• Discover it® Student Chrome:
  This card may work well if you’re a student who wants a chance to earn higher rewards in certain categories.
• Capital One VentureOne Rewards Credit Card: If your credit has improved after using the Capital One QuicksilverOne Cash Rewards Credit Card, this card could be a good fit for travel rewards and benefits.
• Chase Freedom Flex℠: If you’re looking for higher rewards and don’t mind a little work to get them, this card may be for you.

1. Credit Cards
2. Insights
3. Capital One Quicksilver Secured Cash Rewards Credit Card review: Earn rewards while building credit

Image: image

14

reviews

4.1

Rating: 4.1 out of 5.

Great for graduating to unsecured credit

Annual Fee: None

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One Quicksilver Secured Cash Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $2,474, with $300 being the most common.

Here’s the average credit score of members who matched their Capital One Quicksilver Secured Cash Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 612, with 567 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

49.4%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

41 years

Average age of members who matched this card or similar cards.

$71,192

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Solid cash back rewards rate

Image: yes

Potential to convert to an unsecured card

Image: yes

Automatic credit line reviews

Image: Con

Requires an upfront deposit

Image: Con

High APR

What you need to know about the Capital One Quicksilver Secured Cash Rewards Credit Card

If you’re trying to build or rebuild your credit scores, the Capital One Quicksilver Secured Cash Rewards Credit Card could help. But as with any credit card, it’s important to understand all of the card’s features before you apply.

You’ll earn rewards while you build credit

If you’re using a secured credit card, your top priority may be establishing or rebuilding your credit history. But with the Capital One Quicksilver Secured Cash Rewards Credit Card, you don’t need to wait until your credit scores are in stellar shape to start taking advantage of credit card rewards.

The card’s 1.5% rewards rate makes it one of the top rewards secured credit cards on the market. And the annual fee? None.

Plus, if you like to travel, you can earn 5% cash back when you book hotels and rental cars through Capital One Travel.

Note, however, that the card has a variable APR of 29.74% on both purchases and balance transfers, so it’s a good idea to pay your balance in full every month to avoid interest charges on your card.

Flexibility with your deposit and credit limit

Someone with a secured card would typically need to close their account to get their security deposit back — and that’s still the case with some cards. But with this card, you could get upgraded to an unsecured card if you’re careful about the way you use the Capital One Quicksilver Secured Cash Rewards Credit Card.

Capital One will start reviewing your account for an automatic credit limit increase in as little as six months. You don’t have to submit an extra deposit to secure any increases to your credit line.

Approval isn’t guaranteed

Considering the credit line is entirely secured by your deposit, you may think this secured card is easy to get. But Capital One has minimum credit and income requirements that you’ll need to meet.

Here are just a few of things that could prevent you from being approved for the card.

• You live outside of the U.S. (though Puerto Rico and military addresses are acceptable).
• You’re incarcerated in a correctional institution.
• Your monthly income doesn’t exceed your rent or mortgage payment by at least $425.
• You’ve applied for a Capital One credit card three or more times in the previous 30 days.
• You have a past-due balance or you’ve exceeded your credit limit on another Capital One credit card.
• You’ve had a Capital One credit card balance charged off in the last year.
• You’ve filed for bankruptcy, and it hasn’t been discharged yet.

What else you need to know about the Capital One Quicksilver Secured Cash Rewards Credit Card

As you think about whether this card is the right fit for you, here are some other features to keep in mind.

• Deposit — The minimum deposit is $200 to open the account, but you can deposit more funds before you activate the card to increase your limit.
• Credit limit — Your maximum credit limit may be anywhere between $1,000 and $3,000, depending on the strength of your credit.
• Fees — The card doesn’t charge foreign transaction fees, authorized user fees or replacement card fees.
• Preapproval option — You can find out if you’ve been preapproved for the card with just a soft credit inquiry, which won’t affect your credit scores.
• Rewards redemption — You can use your cash back rewards to get a paper check or a statement credit, cover specific purchases or buy gift cards.

Who the Capital One Quicksilver Secured Cash Rewards Credit Card is good for

The Capital One Quicksilver Secured Cash Rewards Credit Card may be worth considering if you’re working on building or rebuilding your credit and you want to earn rewards.

This card allows you to earn a good rewards rate and offers the potential for an upgrade to an unsecured card. The rewards rate isn’t the best out there, but it’s still solid for everyday purchases.

Remember, though, that you’ll still need to give up at least $200 to secure the credit line. If you don’t have that kind of cash lying around, take a look at some of the top unsecured credit cards for bad credit.

Finally, this card is for someone who plans to pay their bill in full every month. Not only will this ensure that you avoid interest charges, but it can also help keep your credit utilization rate down, which is an important factor in your credit scores.

Not sure this is the card for you? Consider these alternatives.

Even if you’re sure the Capital One Quicksilver Secured Cash Rewards Credit Card is a good fit for you, it’s always a good idea to shop around and compare multiple cards before you apply for one. Here are some potential alternatives to consider.

• Discover it® Secured Credit Card: This card could be a good option for consumers who tend to spend a lot at gas stations and restaurants. It’s also a strong card for building credit.
• Capital One Platinum Secured Credit Card: Consider this option if you want to put down less cash for a security deposit. 
• Petal® 1 Visa® Credit Card: This card may be a fit if you want to build your credit from scratch but don’t want a secured card.

1. Credit Cards
2. Insights
3. Capital One Quicksilver Cash Rewards for Good Credit

Image: image

2

reviews

2.5

Rating: 2.5 out of 5.

Great for simple cash back

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One Quicksilver Cash Rewards for Good Credit or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $6,519, with $500 being the most common.

Here’s the average credit score of members who matched their Capital One Quicksilver Cash Rewards for Good Credit or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 686, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

34.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

44 years

Average age of members who matched this card or similar cards.

$90,309

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Capital One Quicksilver Cash Rewards Credit Card: Simple, unlimited rewards

Image: image

136

reviews

4

Rating: 4 out of 5.

Great for simple cash back

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One Quicksilver Cash Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $6,519, with $500 being the most common.

Here’s the average credit score of members who matched their Capital One Quicksilver Cash Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 686, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

34.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

44 years

Average age of members who matched this card or similar cards.

$90,309

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

No annual fee

Image: yes

Straightforward cash back rewards

Image: yes

Strong sign-up bonus

Image: Con

Excellent credit required

Image: Con

No rewards bonus categories

Image: Con

Potentially high APR

Capital One Quicksilver Cash Rewards Credit Card: What you need to know

The Capital One Quicksilver Cash Rewards Credit Card is a straightforward rewards card with no annual fee. But to qualify, you’ll likely need excellent credit. If you’re considering adding this Capital One credit card to your wallet, here are some other important things you need to know.

Simple, unlimited cash back rewards

With this rewards card, you’ll get unlimited 1.5% cash back on every purchase, no matter what you’re buying. There’s no cap on the rewards you can earn, and your rewards don’t expire. Since you’ll earn rewards at a flat rate, you won’t need to worry about keeping track of rotating bonus categories or shopping at certain stores.

And though it’s not one of the best travel cards on the market, if you use the Capital One Quicksilver Cash Rewards Credit Card to rent cars or book hotels through the Capital One Travel portal, you’ll get 5% back for every $1 spent.

Not only is it easy to earn rewards when you use this card, it’s simple to redeem them, too. You can get your cash back in the form of a statement credit or gift cards. You can also use your cash back rewards directly for eligible PayPal and Amazon purchases.

But it’s worth noting that even though this card’s rewards are simple to earn and redeem, the 1.5% rate is on the low end compared to other rewards cards or luxury credit cards.

Strong sign-up bonus

The Capital One Quicksilver Cash Rewards Credit Card offers a $200 sign-up bonus, which you can earn after spending at least $500 on purchases in the first 3 months of having the card. If you’re looking to earn a little extra cash without spending too much, this card makes it easy to do without too large of an investment — especially if you planned to make a large purchase anyway.

Generous introductory APR for purchases and balance transfers

For the first 15 months after getting the card, Capital One offers 0% APR on purchases and balance transfers. After the intro period ends, expect a variable APR of 19.24% - 29.24% on purchases and balance transfers. Any balance transfers you make during the introductory period will be subject to 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time. Though the offer is solid, it may be worth comparing to other no-interest credit cards.

Helpful card and credit monitoring tools

To help manage your finances, the Capital One Quicksilver Cash Rewards Credit Card offers tools to manage your card spend and monitor your credit reports. If your card is ever lost or stolen, you can lock the card, helping minimize the risk of fraudulent charges.

Capital One also offers free credit-monitoring tools, so you can track your Experian® and TransUnion® credit reports over time and keep an eye out for any potential negative credit changes.

What else you need to know about the Capital One Quicksilver Cash Rewards Credit Card

Here are a few other things to consider before applying for the Capital One Quicksilver Cash Rewards Credit Card.

• Combine Capital One rewards — If you already have other Capital One credit cards, you may be able to pool this card’s rewards with rewards from your other Capital One cards. But it’s worth noting that not all Capital One cards are eligible.
• Shopping tool can help you save — This card comes with access to Capital One Shopping, a tool that can automatically apply relevant coupons to your online shopping carts.
• Virtual card numbers can help protect you online — Capital One can generate virtual card numbers for online shopping. This option acts as replacement for the 16-digit code printed on your card, and it keeps your real card number private.
• Paying late will cost you — If you miss a payment, you’ll have to pay up to $40, which can add up quickly, especially if you pay late more than once.

Who the Capital One Quicksilver Cash Rewards Credit Card is good for

The Capital One Quicksilver Cash Rewards Credit Card is a solid cash back card for people who want to earn a decent, straightforward rewards rate on all purchases without fussing over rotating bonus categories or shopping at specific businesses. It can also be a good option for people who are looking for a card with a 0% introductory APR. But if you’re looking for a cash back card with more rewards-earning potential, you may want to look at other cash back cards or travel rewards cards. And if you don’t have excellent credit, this card may not be a good fit.

Not sure if this is the card for you? Consider these alternatives.

Here are some alternative cards to consider if the Capital One Quicksilver Cash Rewards Credit Card isn’t a good fit for you.

• Citi Double Cash® Card: This card is great for people want a straightforward cash back rewards rate.
• Blue Cash Preferred® Card from American Express: For families or people who like to eat in and keep money in their wallet, this card maximizes cash back rewards on useful categories.
• Citi® Diamond Preferred® Card: If you’re looking for a better balance transfer offer, consider this card.

This offer is no longer available on our site: Chase Freedom Flex℠

1. Credit Cards
2. Insights
3. Wells Fargo Autograph® Card review: Get rewarded for everyday spending

Image: image_d5b3b4

124

reviews

3

Rating: 3 out of 5.

Great for rewards on everyday spending

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Wells Fargo Autograph® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $9,703, with $10,000 being the most common.

Here’s the average credit score of members who matched their Wells Fargo Autograph® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 700, with 809 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

30.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$96,938

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

High rewards rate on several everyday spending categories

Image: yes

Welcome bonus

Image: yes

No annual fee

Image: Con

Mediocre base rewards rate

Image: Con

No major travel perks

Wells Fargo Autograph® Card: Core features

The Wells Fargo Autograph® Card offers outsized rewards for a travel card with no annual fee. Here are some of the top features to keep in mind as you determine whether it’s the right fit for you.

Impressive rewards on everyday categories

The card offers three points per $1 spent on these six different spending categories.

• Restaurants, including dine-in, takeout, catering, delivery and more
• Travel, including airfare, hotels, car rentals, cruises and more
• Gas, including gas stations and electric vehicle charging stations
• Transit, including subways, rideshares, parking, tolls and more
• Popular streaming services
• Phone plans, including cellphone and landline providers

The variety of rewards categories is solid for a travel card, on par with some of the pricier travel rewards cards you see. And the Wells Fargo Autograph® Card holds its own among general rewards cards with rotating categories and spending caps, like the Chase Freedom Flex℠ card, with unlimited rewards that stay the same year-round. Just keep in mind that non-bonus spending will only net you one point per $1, which isn’t all that great of a rewards rate.

Welcome bonus

It’s common for a no-annual-fee credit card to offer a sign-up bonus. With this card, you’ll get 20,000 bonus points (worth $200) when you spend $1,000 on purchases in the first 3 months from account opening.

No major travel perks

While its rewards are solid, if you’re considering the Wells Fargo Autograph® Card as a travel card, you may be disappointed to find that it has no major travel benefits. You’ll get an auto rental collision damage waiver, but that’s relatively standard among travel cards.

If you want to up your travel game with travel-related credits, elite status, airport lounge access or other benefits, take a look at some of the top travel credit cards out there.

What else you need to know about the Wells Fargo Autograph® Card

As you consider your options, here are some other details to know about the Wells Fargo Autograph® Card.

• Intro APR — New cardholders get an introductory 0% APR on purchases for 12 months from account opening, after which the variable purchase APR will be 19.24%, 24.24%, 29.24%.
• Additional cash back — The Wells Fargo Autograph® Card provides access to additional cash back offers with select merchants through My Wells Fargo deals.
• Other benefits — The card offers cellphone protection, roadside dispatch, emergency cash disbursement and card replacement, and travel and emergency assistance services.
• No foreign transaction fees — You won’t have to worry about additional costs when you take this card abroad.

Understanding your points and redemption

The Wells Fargo Autograph® Card offers points that you can use for a variety of redemption options, including …

• Travel
• Cash back
• Statement credits
• Mortgage payments (if you have a Wells Fargo mortgage)
• Gift cards
• Shopping with participating retailers

What sets the card apart from some other travel cards is that each redemption option gives you a value of 1 cent per point — some other cards may offer less than 1 cent per point with some their redemption options. Though there are plenty of rewards programs with points worth more than double that depending on how you redeem them.

Who the Wells Fargo Autograph® Card is good for

Consider this credit card if you spend a lot of money in its bonus categories, don’t want to keep track of rotating categories, and want flexibility with how you can use your points. While the card’s base rewards rate isn’t great, you can still maximize the card’s value by pairing it with another card that offers a higher base rewards rate.

It’s also worth considering if you want a decent welcome bonus but don’t want to deal with an annual fee. The card’s bonus doesn’t compare with some of the top travel credit cards on the market, but it’s still a solid value.

On the flip side, if you’re looking for a card with great travel benefits on top of the rewards program, this one might not be the best fit.

Not sure this is the card for you? Consider these alternatives.

If you’re not sure that the Wells Fargo Autograph® Card is the right fit, or you simply want to shop around and compare other options, here are some cards to keep in mind.

• Discover it® Miles: Great for big spenders who want to avoid an annual fee and who don’t travel internationally very often.
• Bank of America® Travel Rewards credit card: Good for fee-averse travel enthusiasts who want a higher base rewards rate on all of their purchases.
• Capital One Venture Rewards Credit Card: Worth considering if you want a high rewards rate on every purchase and a few extra travel perks in exchange for a modest annual fee.

1. Credit Cards
2. Insights
3. Capital One VentureOne Rewards Credit Card: Simple travel rewards with no annual fee

Image: image

202

reviews

4.2

Rating: 4.2 out of 5.

Great for travel rewards with no annual fee

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One VentureOne Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $9,703, with $10,000 being the most common.

Here’s the average credit score of members who matched their Capital One VentureOne Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 700, with 809 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

30.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$96,938

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

No annual fee

Image: yes

Simple rewards makes planning your purchases less complicated

Image: yes

Simple redemption options

Image: Con

Less-generous sign-up bonus compared with other travel cards

Image: Con

No-frills card means fewer travel perks

The Capital One VentureOne Rewards Credit Card at a glance

• Annual fee: $0
• Sign-up bonus: 20,000 bonus miles after spending $500 on purchases in the first 3 months after the account opens.
• Editors’ estimated welcome bonus value: Up to $424
• Standout benefit: No annual fee
• Standout rewards rate: 5 miles per $1 on hotels and rental cars booked through Capital One Travel
• Foreign transaction fee: None

The Capital One VentureOne Rewards Credit Card best perks and features

Simple rewards

Some travel credit cards offer differing amounts of points or miles per each dollar spent in certain purchase categories, such as travel, dining or gas.

With the Capital One VentureOne Rewards Credit Card, you will earn at least a flat 1.25 miles per $1 across every purchase. You’ll also get an additional 5 miles per $1 on hotels and rental cars that you book through Capital One Travel.

The straightforward rewards help to simplify earning miles — and you don’t have to track your purchases closely to reap the card’s rewards. Plus, miles don’t expire as long as your account remains open.

No annual fee and no foreign transaction fees

One of the most appealing features of the Capital One VentureOne Rewards Credit Card is that its travel rewards come with no annual fee.

By comparison, the Capital One Venture Rewards Credit Card, charges an annual fee of $95. You get a higher flat rewards rate for that fee — 2 miles per $1 on all purchases — a  boost that’s likely worth the fee if you enjoy traveling. (The Capital One Venture Rewards Credit Card also offers 5 miles per $1 on hotels, vacation rentals and rental cars that you book through Capital One Travel.)

The Capital One Venture Rewards Credit Card also charges no foreign transaction fee, which is valuable when traveling abroad.

Simple rewards redemption

One of the best features of the Capital One VentureOne Rewards Credit Card is the ease with which you can redeem miles.

Miles can be redeemed at a flat value of 1 cent per mile on travel, including hotels, airfare, car rentals, taxis and more. For example, if you have 20,000 miles, you could redeem that for $200 worth of travel purchases.

The redemption process is as simple as charging the expense to your card. You can then redeem your miles and Capital One will credit your account toward your qualifying purchase. Keep in mind that these requests must be made no later than 90 days after the purchase posts to your account.

You may be able to get more value on travel purchases by transferring Capital One miles directly to one of its participating hotel or airlines partners. Transfer partners include Air Canada ‒ Aeroplan®, Virgin Red and Wyndham Rewards.

What are the drawbacks of the Capital One VentureOne Rewards Credit Card?

An OK sign-up bonus

The Capital One VentureOne Rewards Credit Card offers 20,000 bonus miles after spending $500 on purchases in the first 3 months after the account opens. That’s not an especially lucrative offer from a travel card, but keep in mind that you don’t have to pay an annual fee to get this benefit.

By contrast, the Capital One Venture Rewards Credit Card offers $250 to use on Capital One Travel in your first year as a card holder, plus earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months after the account opens. That benefit alone can more than make up for the $95 annual fee.

No-frills card means fewer travel perks

The low-cost Capital One VentureOne Rewards Credit Card doesn’t provide many of the perks that will make your life easier or more luxurious during your travels.

For instance, if you want to relax in an airport lounge before your flight, the Capital One VentureOne Rewards Credit Card won’t offer that. If you want credits for perks that will speed up your time spent in security lines like TSA PreCheck®, you’ll also have to look elsewhere — and likely pay an annual fee.

How to redeem miles for Capital One VentureOne Rewards Credit Card

Redeeming your miles earned with Capital One VentureOne Rewards Credit Card is simple.

First, you can charge the travel or other qualifying expense to your card. Then, within 90 days of the charge posting to your account, you can request a statement credit for the purchase.

Even if you don’t have enough miles to fully cover a purchase, you may still be able to redeem some to cover part of the cost.

You can also redeem your rewards by booking your travel directly through CapitalOne.com or calling Capital One Travel. Both systems allow you to book flights, car rentals, or hotels, and use miles to pay for the purchases. Each mile is equal to 1 cent in value for these travel redemptions, too.

Finally, cardholders can transfer their miles directly to select airlines. Depending on the rewards program, you may get a transfer ratio of 1:1, 2:1.5 or 2:1 for your miles.

If you’re not planning a trip any time soon but still want to get value from your miles, you can redeem them for cash back (via check or account credit), gift cards and more options. Capital One doesn’t promise a consistent value for your points if you choose these options, though, so we recommend redeeming for travel if possible.

Other cards to consider

If the Capital One VentureOne Rewards Credit Card isn’t the best match for you, take a look at these other choices.

Citi Double Cash® Card: If want a card with simple rewards and prefer to get cash back, this card is worth a look.

Capital One Venture Rewards Credit Card: This card is a good option for travelers who want a higher rewards rate for every day purchases and don’t mind an annual fee.

Chase Sapphire Preferred® Card: This card is a good option for travelers who typically spend more on dining out and travel.

FAQs about the Capital One VentureOne Rewards Credit Card

1. Credit Cards
2. Insights
3. Capital One Venture Rewards Credit Card: A great pick for simple travel rewards

Image: image

73

reviews

4.3

Rating: 4.3 out of 5.

Great for high flat-rate travel rewards

Annual Fee: $95

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Capital One Venture Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $15,493, with $5,000 being the most common.

Here’s the average credit score of members who matched their Capital One Venture Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 711, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

26.2%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

41 years

Average age of members who matched this card or similar cards.

$105,652

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Big sign-up bonus can help you cover the cost of your next trip

Image: yes

Straightforward rewards program is easy to use
Earn miles on every purchase

Image: yes

Global Entry or TSA PreCheck application fee credit

Image: Con

Annual fee could eat into rewards for cardholders who don’t spend much

Image: Con

Airline transfer partners leave a lot to be desired

Image: Con

Other travel rewards programs offer more bang for your buck

5 things you should know about the Capital One Venture Rewards Credit Card

1. The big sign-up bonus could help you pay for your next trip

The Capital One Venture Rewards Credit Card comes with $250 to use on Capital One Travel in your first year as a card holder, plus earn a 75,000-mile sign-up bonus after you spend $4,000 on purchases during your first 3 months after opening the account.

That’s enough miles to cover $1,000 worth of airfare or hotels.

Before you apply for the card, though, it’s important to figure out whether you spend enough money on a regular basis to earn the sign-up bonus. Otherwise, you might find yourself spending more than you can afford and end up paying interest that can eat into the value of the offer.

2. The rewards are simple to earn and redeem

The Capital One Venture Rewards Credit Card offers one of the most straightforward rewards programs around.

You’ll earn two miles for every $1 you spend on purchases, plus five miles per $1 spent on hotels, vacation rentals and car rentals booked through Capital One Travel. If you prefer simplicity, you’ll appreciate that you don’t have to spend time planning out your purchases to maximize your rewards — just swipe to earn.

Redeeming your miles is just as simple. You can book your trip through Capital One’s website or make your travel purchases first and then go back and ask to be reimbursed with a statement credit within 90 days of your purchase.

It doesn’t get any easier than that.

3. You could get more value with another travel rewards program

Capital One Venture rewards miles might be easy to use, but they’re nothing fancy.

When redeemed for travel through Capital One, they’re worth a rather bland 1 cent each, according to our valuations.

By contrast, depending on the card you have, you could get more value from a program like Chase Ultimate Rewards®, where your points can be worth up to 1.5 cents each when you redeem toward travel.

4. You can transfer miles to airline partners

The Capital One Venture Rewards Credit Card features a number of transfer partners – but unfortunately, there are no U.S. airlines to choose from.

Compared to redeeming through Capital One, you might be able to get a much better value by transferring your points. But some people may have no interest in traveling overseas, while others may not be comfortable entrusting their rewards to a foreign airline they’re not familiar with.

For those who are, if you transfer your points to Air Canada’s Aeroplan rewards program, they’re worth an estimated 1.08 cents each, according to Credit Karma’s point valuations. There are also a number of other international airlines and a couple of hotel brands to choose from.

5. Don’t forget about the annual fee

The Capital One Venture Rewards Credit Card charges an annual fee of $95.

It’s worth considering if you’d earn and redeem enough points to offset that cost before you apply for the card.

Other things to consider about this card

The Capital One Venture Rewards Credit Card offers a few more perks travelers may appreciate.

• When you’re ready to book your trip, you don’t have to worry about blackout dates. Some airline and hotel rewards programs prevent you from using your points on certain days that are popular with travelers, but the Capital One Venture Rewards Credit Card lets you travel where you want, when you want, with any airline or hotel you want.
• If you’re flying, the Capital One Venture Rewards Credit Card will help you breeze through airport security by giving you up to a $120 statement credit to pay for your Global Entry or TSA PreCheck application fee. Of course, Capital One has no control over whether you’ll qualify for this safe traveler program that’s operated by the federal government — that’s up to the Department of Homeland Security.
• You can feel free to use your Capital One Venture Rewards Credit Card when you travel overseas because there are no foreign transaction fees.

Understanding your points and redemption options

Capital One Venture rewards miles could be worth 1.08 cents each, according to Credit Karma’s point valuations.

There are three ways to redeem your Capital One Venture rewards miles for travel.

1. To get the best value, you can transfer your miles to one of Capital One’s international airline partners like Air Canada.
2. You can also redeem your miles for flights, hotels and car rentals booked directly through Capital One’s website.
3. Or you can get reimbursed for travel purchases made within the previous 90 days on your Capital One Venture Rewards Credit Card. The travel category includes purchases made from airlines, hotels, car rental agencies, trains, cruises, buses, taxis, limousines, travel agents and time shares. Capital One gives you a statement credit on your credit card bill.

You can also redeem your miles for gift cards or cash back via a check or account credit.

Who this card is good for

The Capital One Venture Rewards Credit Card offers some amazing options for people who enjoy flying internationally.

But it’s also a solid choice for people who don’t want to jump through hoops to earn and redeem their rewards for travel. If you’d rather not spend time figuring out a complicated rewards structure or researching flights and hotels to get the most possible value, then this card could be the right pick for your wallet.

Not sure this card is right for you? Consider these alternatives.

If the Capital One Venture Rewards Credit Card doesn’t seem like a good fit for you, one of these other travel cards might have what you’re looking for.

• Capital One VentureOne Rewards Credit Card: This card is good for travelers who value a simple rewards program but don’t want to pay an annual fee.
• Capital One Venture X Rewards Credit Card: This card is a great choice for travelers who want more perks and benefits — and don’t mind paying an expensive annual fee.
• Chase Sapphire Preferred® Card: This card is a nice option for travelers who want to get more value from their points.