Cash Back Calculators: Capital One Cash Back Credit Cards

Capital One offers some of the best personal and business cash back credit cards available. Calculate rewards based on spend and compare against top cards.

Capital One is an American bank headquartered out of McLean, Virginia that offers financial services primarily to the United States, but also Canada and the United Kingdom. They are most know for there credit re-building cards as well as their straightforward and easy to use rewards programs.

Capital One Credit Card Cash Back Calculators

Capital One offers six credit cards that are split up into three families: Quicksilver, Savor, and Spark. The Quicksilver Cards offers a flat rate of cash back on all purchases, the Savor cards offer bonus cash back on dining, entertainment, and grocery purchases, and the Spark business cards offer a flat rate of cash back across all purchases.

Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Intro Bonus
No intro bonus.
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Main Card Highlights
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • Help strengthen your credit for the future with responsible card use
Annual Fee
$39
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
Intro Bonus
View Issuer's Website
Rewards Rate
4%
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services.
3%
Earn 3% at grocery stores (excluding superstores like Walmart® and Target®)
1%
Earn 1% on all other purchases
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fee
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Rewards Rate
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases
Main Card Highlights
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One Spark Cash Plus
Capital One Spark Cash Plus
Intro Bonus
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Rewards Rate
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Main Card Highlights
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month
  • Pay zero foreign transaction fees on purchases made outside of the United States.
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
0%
Capital One Spark Cash Select for Business
Capital One Spark Cash Select for Business
Intro Bonus
View Issuer's Website
Rewards Rate
1.5%
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No annual fee and no foreign transaction fees
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Redeeming Capital One Cash Back

Capital One cash back can be redeemed towards account credits, be offered as a check, be used for gift cards, or be transferred to another Capital One account holder. Cash back earned is pooled together, so those who have multiple Capital One cash back cards will be able to see all of their earnings in one place. If you have a Venture Miles or Spark Miles credit card attached to the same login, you'll be able to easily see those rewards as well.

Capital One Cash Back Credit Card Comparison Calculators

Other Capital One Calculators

Best Capital One Credit Cards
List & Rewards Calculator
Maximize your rewards with Capital One. Get the list of Capital One's best credit cards and calculate which cards earn you the best return based on spend.
Capital One offers Venture Rewards and Spark Rewards credit cards which are great for travel. Miles can be transferred to airline and hotel partners. Review benefits, calculate rewards, and compare cards.
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