Capital One has 30 different credit cards so today we're going to make the ultimate tier list of
every capital one credit card to help you figure out which one is best for you starting with one
of their most popular products the Quicksilver rewards card. Now as is the case with most of
capital one's credit cards, there are several different versions of this product so to help us
stay on track today we'll be putting each of these 30 cards into one of six different categories the
first of which being the Quicksilver category. First, you've got the standard Quicksilver which
has a $0.00 annual fee and offers you 1.5% cash back on all of your purchases with an intro offer
of 3% unlimited cash back for your first year. It's the best of the five Quicksilver cards but
1.5% back is not great compared to other products on the market so the standard Quicksilver goes in
the B tier. Similarly, you have the Quicksilver one card which gives you the same 1.5% cash back
on all of your purchases but has a $39 annual fee and a higher interest rate since this
product requires just fair credit according to Capital One while the previous product requires
excellent credit. Again not much to love here so the Quicksilver one goes in the C tier. Speaking
of getting this card without great credit, they offer the Quicksilver rewards for good credit
which again gives you 1.5% cash back for a $0.00 annual fee but in this case, you aren't eligible
for the 0% intro APR which shouldn't matter if you're using this card properly so this
one also goes in the B tier. If you're starting from Ground Zero and have little to no credit
history then you can get the Quicksilver secured card which requires an upfront security deposit
of at least $200 for the same 1.5% cash back and no annual fee but I'm not a fan of secured cards
personally so this one goes in the D tier. And lastly in the Quicksilver category, we have the
Quicksilver rewards for students which you guessed it gives you 1.5% cash back, no annual fee,
plus a $50 cash bonus after you spend $100 and while this is specifically for college students,
assuming you meet that criteria it's honestly one of the better options in this category so let's
put it in the B tier. OK nothing too exciting so far but don't worry the products are going
to get progressively better and we’ll work way up to my favorite credit card from Capital One that
I carry with me every single day. Also as you can tell at this point we've got to move really fast
since we have so many cards to get through but I have reviewed many of these products
and I'll leave some helpful links for that down below the like button where you can learn more.
The next category we're calling William and Sonoma which consists of four cards that are
all identical. All four of these cards give you 5% back across several William and Sonoma brands,
4% at grocery stores and restaurants, and 1% on everything else. You also get 10% back across
seven different William and Sonoma brands for your first 30 days and all of these have no annual fee.
The only difference between the four is the brand that you have printed on your card but otherwise
they are identical and while the williams-sonoma rewards are pretty specific, 4% back at grocery
stores and restaurants is surprisingly great for a no-annual fee credit card so I'll be putting
all four of these products in the a tier. The next six cards all fall under the spark category which
is technically the business lineup from Capital One which I usually don't include on these lists
but the spark cards are some of the best products from Capital One and again all six of them have
slightly different benefits so I felt like it was worth including. Before we talk about that product
which is one of my favorites, you may be wondering how I keep track of all these cards since I have
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protect your financial accounts from fraud today. First is the spark 1% classic which has no annual
fee and gives you a basic 1% unlimited rewards on all of your purchases as well as 5% back on hotels
and rental cars booked through Capital One travel. This card sucks and is meant for people with fair
credit so unless you fall in that category I'd avoid it and I'll be putting it in the D tier.
The slightly better spark 1.5% cash select card again has no annual fee, gives you 1.5% unlimited
rewards and the same 5% on hotels and rental cars but requires good credit according to Capital One.
Still not great but slightly better so I'll be putting this one in the C tier. The spark 1.5%
cash select is identical to the previous product the only difference is it requires excellent
credit and gives you a $500 cash bonus if you spend $4500 in the first three months but 1.5%
is still not going to cut it so this one also goes in the C Tier. The best product in this category
is the spark 2% cash plus card which gives you 2% back on everything and the same 5% on hotels and
rental cars plus a $1000 cash bonus once you meet the spending requirements, a $200 annual
cash bonus if you spend $200,000 or more which again I'll remind you this is a business card,
plus this is a charge card meaning there's no APR because your full balance is due every single
month and all of that comes in at $150 per year which if you're spending a lot of money on this
card for your business makes it a fantastic option that I'll be putting in the a tier. In the spark
category, we also have the spark 1.5X miles select and spark 2x miles which both offer you capital
one miles in place of direct cash back. With the 1.5X giving you a 20,000-mile bonus when
you meet the spending requirement and no annual fee so I'll put this one in the C tier, and the
spark 2X miles giving you a 50,000 point bonus when you hit the spending requirement it $100
travel credit and again no annual fee. There's a much better travel product that we're going
to talk about later in the video but I do like the travel credit for TSA pre-check or global entry so
I'll put this one in the B Tier. We still have my two favorite categories yet to come which include
some of my favorite Capital One credit cards but first, we have the miscellaneous category starting
with the Capital One Walmart rewards card which gives you 5% cash back at walmart.com with no
annual fee. You also get 2% in Walmart stores and 1% everywhere else so assuming you shop at Walmart
frequently it's a decent product that I'll be putting in the B tier. Both the platinum secured
credit card and platinum MasterCard are really meant to help you rebuild damaged credit and each
charge no annual fee but have virtually no cash back rewards with the only big difference being
one is a secured card and one is not but both of these are honestly garbage that belong in the D
tier. Joining them in the D tier is the journey student credit card which also has no annual fee
and does give you 1% cash back but there are way better products out there designed specifically
for students including the Quicksilver student card that we talked about earlier in this video
so like I said this one belongs in the D tier as well. And lastly, in the miscellaneous category,
we have three brand-specific products two of which are from bass pro shops and one from Cabela's. I
won't bore you with going through the benefits of each individual card but if you shop at these
retail locations then it might be worth looking into but personally, I am not a fan of any kind
of brand-specific credit card so once again all of these belong in the D tier. All right those last
few were absolutely brutal and those products are trash but last but not least we have my two
favorite categories from Capital One where we will finally assign some S tier products and talk about
my favorite credit card starting with the Savor category. There are four Savor cards currently
available with a similar setup to the Quicksilver cards that we looked at earlier with the
original Savor card being the Savor rewards which gives you 4% unlimited cash back on
dining entertainment and streaming services plus 3% back at grocery stores and 1% on everything
else. They're also offering a $300 cash bonus if you meet these spending requirements and all of
that comes in at just $95 per year so if you are a food fanatic like myself and want to earn as
much as possible in that category then this one is a no-brainer and for the first time today the
Savor rewards card will be going in the S tier. The Savor one rewards and Savor one rewards for
good credit both give you unlimited 3% back on dining entertainment, streaming services and
grocery stores plus 1% on everything else, and the only difference is that the standard saver
one offers a low intro APR if you have excellent credit while the saver one rewards for good credit
does not have that intro APR. But they both have no annual fees so if you don't love the $95 annual
fee of the last product then these might be worth checking out but in my opinion that $95 bucks is
well worth it so these ones will both be going in the B tier. Lastly in the Savor category we have
the Savor one rewards for students which gives you the exact same 3% back on dining entertainment
streaming services and groceries with 1% on everything else and all of the other benefits
of the last two products but this card gives you a $50 cash bonus after you spend your first $100.
Again specifically targeted towards students but if you meet their criteria then I wouldn’t turn
down a free 50 bucks so I'll put this one in the a tier. Alright and last but not least we have our
final category which is the venture card category which includes my favorite credit card from
Capital One. But before we get to that we have the original venture rewards card which gives you
unlimited 2X miles per dollar spent and a 75,000 mile bonus once you meet the spending requirements
all for $95 per year. This does require excellent credit but I love the capital one travel portal,
I've been able to redeem points for three to five cents per point which is the equivalent of 6 to
10% cash back since you're earning 2 points per dollar and that means I'll be putting this card
in the S tier. They also offer the venture one and venture one for good credit which both give
you a slightly lower reward of 1.25 miles per dollar but there is no annual fee so you'll have
to decide if the annual fee is worth it for you depending on how much money you spend and as is
the case with previous categories, the venture one has a low intro APR while the venture one
for good credit does not have that intro offer. For me the $95 for the standard venture Card is
worth it but both of these are decent nonetheless and I'll be putting them in the a tier. Alright,
we have covered 29 of the 30 products from Capital One but lastly we have my favorite Capital One
credit card and the product that I carry with me every single day which would be the capital
one venture X card. This is one of the newest products from Capital One and is obviously the
premium version of the venture lineup. It does come in at $395 per year which I know is way
more expensive than any of the products we've looked at today but that's actually on the low
end of premium travel cards and for that annual fee you get 10 miles per dollar on hotels and
rental cars booked with Capital One, 5 miles on flights and two miles on everything else not to
mention the airport lounge access, 75,000-mile signup bonus, 10,000-mile anniversary bonus,
$300 annual travel credits, $100 global entry or pre-check credit and the list goes on. I have
talked about this product at length in a number of videos and while you'll definitely have to do
some napkin math to see if you can justify the annual fee, I love this product and I use it all
the time so it's no surprise that I'll be putting the venture X card in the S tier. So definitely
some stand-out winners and losers from Capital One but this is just my opinion so I'd love to
know what you think of these products down in the comment section and what your favorite and
least favorite cards from Capital One are. And this also means that we have now completed our
ultimate credit card rankings for discover, chase, American Express, Citi, and Capital One so be sure
to check out those videos over here. I'll leave some links below the like button where you can
learn more about these products but as always take it easy and I'll see you in the next one!