Best Capital One Visa Credit Cards

The Capital One Venture Card is a Visa. Capital One is the issuer of the Venture Card, which can be used anywhere Visa is accepted.

The Capital One Platinum Credit Card is a Mastercard, not a Visa. You can use your Capital One Platinum Mastercard at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

Capital One SavorOne Cash Rewards Credit Card is a Mastercard. You can use your Capital One SavorOne Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

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 Capital One Venture Rewards Credit Card because of its overall benefits. This card offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months. You also earn 2 miles / $1 on all purchases and the annual fee rings in at $95.

Best Capital One Visa rewards credit cards

There are plenty of other options though, so if you’re not tied to Capital One as an issuer, feel free to check out other Visa rewards credit cards that are available right now on the market.

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 at (800) 847-2911 or Mastercard at (800) 826-2181 for more information.

The benefits of Capital One Visa credit cards include several types of travel insurance, concierge services, purchase protection and extended warranty. To know which perks are included on a specific card, you'll need to call customer service at the number on the back of your card. Alternatively, you can log in to your Capital One online account, select your account and click "Read about Card Benefits" under the "I Want To" menu.

Capital One Visa Credit Card Benefits

• Rental car insurance
• Travel accident insurance
• Roadside dispatch
• Extended warranty
• Purchase protection
• Emergency card replacement
• Complimentary concierge services
• Travel and emergency assistance
• Lost luggage reimbursement

In addition to having some or all of these card perks, it's important to remember that many Capital One Visa credit cards also give rewards. Rewards aren't generally considered card benefits, but having a credit card that earns great rewards can be a big asset to cardholders. As long as you use your card responsibly and maximize the various benefits that Capital One offers, you should come out well ahead of any annual fees that Capital One cards may charge.