Capital One Visa Credit Cards

Capital One Quicksilver could either be a Visa or a Mastercard. Capital One issues cards on both networks, but there is no way to choose which network your new card will be on.

The card network for your new card isn’t based on your credit score, card terms, rewards or credit limits either. A card network is simply the company that helps process credit card transactions and determines where a card is accepted. Having said that, both Visa and Mastercard benefit from the most extensive worldwide acceptance, so you’ll have no problems using your Capital One Quicksilver, regardless of its card network.

The best Capital One Visa rewards card is the Capital One Venture Rewards Credit Card because it offers a sign-up bonus of 60,000 miles for spending $3,000 in the first 3 months. Capital One Venture cardholders also earn 5 miles per $1 spent at Capital One Travel and 2 miles per $1 on all other purchases. You can redeem for any travel expense, too, with no restrictions. This card’s annual fee is $95. All these factors make Capital One Venture not just a good Visa rewards card but also one of the best travel rewards cards in general.

If you are looking for travel rewards without a $0 annual fee, the Capital One VentureOne Rewards Credit Card has a 20,000 miles initial bonus for spending $500 in the first 3 months. However, you only get 1.25 miles per $1 on all purchases (with the exception of 5 per $1 at Capital One Travel).

Both cards, like all Capital One credit cards, do not charge foreign transaction fees.

Capital One Quicksilver travel insurance works on several levels by providing worldwide travel accident insurance, trip cancellation/interruption and lost/damaged luggage reimbursements.

Here are the Capital One Quicksilver travel insurance benefits:

• Travel Accident Insurance. Covers cardholders along with their spouse and any unmarried children up to a certain amount in the event of death and several qualifying permanent injuries. Travel fare(s) must be booked with an eligible Capital One Quicksilver card.
• Trip Cancellation and Interruption Insurance. Trips cancelled or interrupted for qualifying reasons (such as death, accidental injuries, non-pre-existing illnesses and more) are covered up to a certain amount. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
• Lost, Stolen or Damaged Luggage Reimbursement. You get reimbursements for your lost, stolen or damaged luggage and its qualifying contents, up to a specified amount. You must charge the cost of your trip to your eligible Capital One Quicksilver to be covered by this benefit. Coverage is secondary to any other existing insurance.
• Baggage Delay Reimbursement. You get reimbursed up to $100 per day, for three days, when your bags are delayed for more than four hours at a destination other than your primary residence. Coverage includes the purchase eligible essential items such as tickets, documents, contact lenses, eyeglasses, prosthetics, and more. Benefit available for Capital One Quicksilver cards issued on the Mastercard network.
• Auto Rental Insurance. You get coverage up to the market value of the eligible renal vehicle for damages incurred through collision or theft. Just make sure you charge all rental costs to your Capital One Quicksilver and decline the car rental agency’s insurance coverage. The coverage is secondary to your own insurance policy.

Filing most Capital One Quicksilver travel insurance claims requires notifying the Benefit Administrator within 20 days of the loss in order to get a claim form. You’ll have 60 to 90 days from the date of the incident to return the form and supplemental documents. The number to call and timeline depend on the benefit and the type of card you have. For specific information on your Capital One Quicksilver travel insurance, just log in to your online account, select your card and click "Read about Card benefits" under the "I Want To" menu. Then match the card type to the one listed on your statement. Capital One travel insurance is provided through the card network, so depending on your type of card, you can call Visa ((800) 847-2911) or Mastercard ((800) 826-2181) for more information.

The Capital One Visa benefits are:

• Concierge service
• Emergency card replacement and cash disbursement
• Extended warranty
• Purchase protection
• Travel accident insurance
• Lost luggage reimbursement
• Roadside dispatch
• Travel and emergency service
• Rental car insurance

You might not be eligible for all of the above, as your credit score dictates if you qualify for a Visa Platinum or a Visa Signature card.

And as you might already know, the Visa Signature has more to offer. So the better your credit score, the higher your chances are to qualify for all the benefits Capital Ona and Visa have to offer.

Besides these, Capital One might also offer its own benefits.

The Capital One Visa Signature's foreign transaction fee is 0%.

In fact, none of Capital One's credit cards have international transaction fee. This is why they are well suited for frequent travelers or people who shop internationally on a regular basis.

A good example would be the Capital One VentureOne Rewards card. In case you have at least a good credit, I'd suggest applying for it, since it also has no annual fee and loads of benefits, like:

• An initial bonus of 20,000 miles for purchases of at least $500 in the first 3 months of account opening
• Unlimited 1.25X miles on every purchase
• Intro purchase APR of 0% for 12 months

Capital One VentureOne travel insurance is reasonable - if you or a family member either dies or is dismembered while traveling with a common carrier, Visa can reimburse you for the loss.

Hopefully you won't ever need to use this benefit. But it's there, so you don't have to purchase additional travel insurance.

In addition to that, if your bags are lost by a travel provider or get stolen, you can get reimbursed for up to $3,000 per trip. Anothe travel related benefit worth mentioning is the rental car insurance they have. Just pay for the car rental with your card entirely and decline the optional CDW from the rental company and you're covered. 

Consult the specifics in your travel benefits in your card's terms. Or ask Capital One for a copy of those terms.

The best Capital One Visa card for cash back is the Capital One Quicksilver Cash Rewards credit card.

It offers:

• An initial bonus of $200 for purchases of at least $500 in the first 3 months of account opening
• Unlimited 1.5% cash back on every purchase
• $0 annual fee
• Purchase intro APR of 0% for 15 months

In order to qualify, you must have at least a good credit.

The Capital One Visa Signature travel insurance works if you pay for your trip with your card.

It offers an insurance up to $250,000 against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier.

You must file a claim within 20 days of any occurrence of loss, or as soon as reasonably possible. In 15 days of filing the claim, you will be provided with forms for giving proof of loss. The completed proof of loss must be filed within 90 days of occurrence, or as soon as reasonably possible.

For further information, read Capital One's Guide to Benefits.

There is no fee to buy gas with a Capital One credit card.