Capital one Credit Card alternatives: Capital one credit cards are provided by Capital One which is a well-known Bank holding company in the United States of America. The top three cards provided by Capital One are Capital One Venture Rewards Credit Card (ideal for gaining rewards), Capital One Spark cash for business (ideal for small businesses), and Journey Student Rewards from Capital One (ideal for college students). Though these cards are popular, the cards have an annual fee and some other disadvantages when you closely look.
Here are some good alternatives to the Capital One cards:
Discover it Secured Card:
This one of the good alternatives found for the Capital One Venture Rewards credit card. Even though it is a secured credit card, this card provides rewards and offers. One of the exciting offers is that this card gives you 2% cash back on purchases did worth 1000 US dollars in restaurants and fuel stations and 1% cash back on all other purchase made (purchase should be worth 1000 US dollars or more). The Discover it secured Card does not charge you annually for the card.
Citi Double Cash Card:
Citi Double Cash card is an alternative to the Capital One Venture Rewards Credit Card. This credit card offers 2% cash back, but that applies to all the purchases you make. The main specialty of this card is that you can exchange this for straight up cash. This feature is not available on the credit card provided by Capital One. Capital One credit cards only allow you to redeem the cash back as points and you must further use it for purchases. This credit card does not have an annual fee, unlike the Capital One credit card which charges you 59 US dollars annually after the first year.
The Blue Business Plus from American Express:
This credit card can be used as an alternative to the Capital One Spark Cash for Business. Once when you join as a cardholder, you are granted access to an introductory 15-month 0% APR period, thus making it as one of the coolest Business cards. This offer allows you to carry the balance from one month to the next month without accumulating interest. That means you can buy all that you want, pay it slowly, and you won’t be charged a single dollar as interest. Also, this applies to all the purchases you make. The card also has no annual fee and no extra fees for the employee card as well.
The Shell Business Credit Card:
The Shell Business credit card is one of the alternatives to the Capital One Spark Cash for Business. This card does not have an annual fee and has an APR of 24.99%. The card doesn’t have a penalty APR though. If you make a purchase of 500 US dollars at fuel stations, you receive a credit of 10₵ per gallon or more on the first 100 gallons. If you make a purchase of 1000 US dollars in a single billing cycle, you will earn a credit of 15₵ per gallon on the first 100 gallons.
Chase Sapphire Preferred Card:
This card is an alternative to the Capital One Venture Rewards Credit Card. A sign-up bonus of 50,000 bonus points are awarded to the customer for the purchase of 4,000 US dollars or above for the first three months. That makes around 625 US dollars when you exchange or redeem the points with Chase Ultimate Rewards. The card does not have foreign transaction fee as well. The first year is free and after then the cardholder has to pay 95 US dollars per year as an annual card fee. The cardholder earn 2 Ultimate rewards for every dollar spent on travel and in restaurants and earn 1 ultimate reward for every dollar spent on other purchases. These points can be exchanged with cash via Chase’s Travel tool and then the value of each point or Ultimate reward goes up to 1.25 cent.