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 up to 100,000 miles. To get the bonus, spend $20,000 within the first 12 months. Or, you can still get 50,000 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.

There are two type of Capital One Quicksilver travel insurance: travel accident insurance and lost luggage reimbursement. Capital One Quicksilver travel accident insurance covers cardholders when they, their spouse or their unmarried dependent children are killed or permanently injured by a travel provider. The trip must be booked with the Quicksilver card. The coverage amount is up to $100,000 per trip with the Visa Platinum version of the Quicksilver card. It’s $250,000 per trip with the Visa Signature version. Some situations are not covered. They include emotional trauma, bacterial/viral infection, disease and more.

The second type of Capital One Quicksilver travel insurance, lost luggage reimbursement, is only available on the Visa Signature version of the card. It offers up to $3,000 in protection per trip for checked luggage and/or carry-on bags that are lost by a travel provider. Certain items in your luggage are not covered, however, including glasses, checks, sports equipment and others. Plus, lost luggage coverage is secondary to any other existing insurance you might have covering your bags. So you’d have to go through that other insurance first. And again, you must have paid for the trip using your Quicksilver card.

Filing a Capital One Quicksilver travel insurance claim 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. Check your benefits guide for details.

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.