Are Capital One cards Visa® or Mastercard®?

Capital One offers cards from both Visa® and Mastercard®.¹ Visa and Mastercard are credit card networks, and one of their primary functions is to process credit card payments. But neither Visa nor Mastercard actually provides credit cards. That’s the job of credit card issuers like Capital One. 

What you’ll learn:

• Capital One issues cards with both the Visa and Mastercard credit card networks.

• The Capital One cards issued in partnership with Visa and Mastercard include Venture X, Venture, VentureOne, Quicksilver and Savor.

• Both Visa and Mastercard are widely accepted by retailers worldwide.

• Discover and American Express are also credit card networks. They also issue their own cards.

Many card issuers, including Capital One, work with both Visa and Mastercard. Capital One is a credit card issuer and Visa and Mastercard are credit card networks.

Visa and Mastercard are two of the four largest credit card networks in the world. They work with Capital One and other financial institutions that issue cards to individuals and businesses. And it’s the credit card issuers that set the terms and conditions of the credit cards, including the fees and types of rewards offered.

Here’s a brief overview of some Capital One Visa and Mastercard cards and the benefits these cards currently offer:

• Venture X: The Venture X card comes with many benefits for frequent travelers, like double miles on every purchase and 75,000 bonus miles after spending $4,000 within the first three months of the account opening. It also includes a $300 annual travel credit toward bookings made through Capital One Travel and complimentary access to Capital One Lounges and the Partner Lounge Network. And cardholders can enjoy a 10,000-mile annual anniversary bonus.

• Venture Rewards: Venture cardholders have the ability to earn double miles for every dollar spent. Plus, cardholders can earn 75,000 bonus miles after spending $4,000 within three months of the account opening date.

• VentureOne Rewards: VentureOne cardholders can earn 1.25 miles per dollar spent on every purchase, as well as get a 0% intro APR for the first 15 months. View important rates and disclosures. They can also earn 20,000 bonus miles after spending $500 within three months of opening their account.

• Savor Rewards: Savor cardholders earn unlimited 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% cash back on everything else.³ New cardholders may also earn a one-time $250 cash bonus once they spend $500 within the first three months of opening the account. And Savor has no annual fee. View important rates and disclosures.

• Quicksilver Rewards: The Quicksilver Rewards card offers 1.5% unlimited cash back on every purchase, a $200 cash bonus after spending $500 within three months of opening the account and no annual fee. View important rates and disclosures.

• QuicksilverOne: QuicksilverOne cardholders can earn unlimited 1.5% cash back on every purchase, plus 5% cash back when they book hotels and rental cars through Capital One Travel, all for a $39 annual fee. View important rates and disclosures.

• Quicksilver Secured Rewards: Quicksilver Secured cardholders can earn 1.5% cash back on every purchase with a refundable $200 minimum deposit and no annual fee. View important rates and disclosures.

• Platinum Mastercard: The Platinum Mastercard can be an ideal card for those working to build or rebuild credit. The card comes with no annual fee and cardholders are automatically considered for a credit limit increase within six months of opening their account. View important rates and disclosures.

• Platinum Secured: Designed for those who are new to credit or trying to rebuild credit, the Platinum Secured card requires a minimum refundable security deposit of $49, $99 or $200. Cardholders can then enjoy benefits like no annual fee and annual credit line reviews every six months. View important rates and disclosures.

Capital One also offers additional Visa and Mastercard options. For instance, if you’re a college student working on building your credit, you can find cards designed specifically for students that offer cash back rewards. There are also co-branded cards from popular merchants and brands.

When it comes to deciding the best Capital One credit card for you, you’ll probably want to give more weight to what the individual cards offer. You might consider things like introductory APR, credit score requirements, annual fees and rewards rather than which network the card belongs to. That’s because both Visa and Mastercard are widely accepted worldwide. 

Keep in mind: Each type of card will give you access to Capital One card benefits like protection from unauthorized use, virtual card numbers and mobile banking through the Capital One Mobile app.

Visa may offer its cardholders certain perks that are different from what Mastercard offers its users, and vice versa. And the type of card you choose will also determine the benefits you’ll get. So it can be helpful to review the Capital One benefits guide for Visa and Mastercard before making a final decision about what type of card is right for your needs.

Here are answers to a few frequently asked questions about Capital One credit card networks:

Capital One issues both Visa and Mastercard credit cards that offer a wide range of benefits, including cash back, travel rewards and other perks. Explore and compare all Capital One credit cards to find the one that’s right for you.