Capital One Visa Credit Cards

Capital One Quicksilver is a Visa card, not a Mastercard. If approved for Capital One Quicksilver, you’ll receive either a Visa Platinum or Visa Signature version of the card. Visa Platinum cards have credit limits starting at $5,000. Visa Signature cards have limits starting at $10,000. To be approved for the Capital One Quicksilver card, you’ll need at least good credit. Quicksilver has a $0 annual fee and earns unlimited 1.5% cash back on all purchases.

While the Capital One Quicksilver card is a Visa for new applicants, the Capital One QuicksilverOne card is a Mastercard. The QuicksilverOne card accepts applicants with limited credit history and gives the same 1.5% cash back rate as the Quicksilver card. However, unlike Quicksilver, QuicksilverOne has an annual fee: $39. It’s a great starter card though. It’s actually interesting to note that if you get the Quicksilver card as an upgrade from QuicksilverOne or Capital One Platinum (the other option for people with limited credit), you might receive a Quicksilver Mastercard. But that may or may not be the case for everybody.

Visa and Mastercard are both accepted worldwide, so you can rest assured that your Capital One Quicksilver card will work anywhere you need it to. You’ll get plenty of benefits from both too.

The Capital One Quicksilver travel insurance benefits are decent actually. You get travel accident insurance which reimburses you in the event of death or dismemberment. That comes at no extra charge when you use your Quicksilver credit card to purchase your fare.
Typically, the coverage is only extended to you and your immediate family. The amount of money this benefit can pay out will typically vary between $100,000 and $500,000.

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

The best Capital One Visa rewards card is the Capital One Venture Rewards card because it offers a sign-up bonus of 50,000 miles, worth $500 in travel. To get the bonus, spend $3,000 in the first 3 months. Venture cardholders also earn 10 miles per $1 spent at hotels.com/venture and 2 miles per $1 on all other purchases. You can redeem for any travel expense, too, with no restrictions. The annual fee is $95, but it’s waived for the first year. All these factors make Venture not just a good Visa rewards card but also one of the best travel rewards cards in general.

For travel rewards without the annual fee, the VentureOne Rewards card has a 20,000 miles initial bonus for spending $1,000 in the first 3 months. However, you only get 1.25 miles per $1 on all purchases (with the exception of 10 per $1 at hotels.com/venture).

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

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.