Are Capital One cards Visa® or Mastercard®?
Capital One offers cards from Visa® and Mastercard®.1 They’re both credit card networks, and one of their primary functions is to process credit card transactions.
But neither Visa nor Mastercard actually provides credit cards. That’s the job of credit card issuers like Capital One. Learn more about Capital One cards in both networks and the benefits the cards offer.
What you’ll learn:
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Capital One issues both Visa and Mastercard credit cards.
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The Capital One cards issued in partnership with Visa and Mastercard include Venture X Rewards, Venture Rewards, VentureOne Rewards, Quicksilver Rewards and Savor Rewards.
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Both Visa and Mastercard are widely accepted by retailers worldwide.
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Discover and American Express are also credit card networks. Unlike Visa and Mastercard, they also issue their own cards.
Is Capital One a Visa or Mastercard issuer?
Many card issuers, including Capital One, work with Visa and Mastercard. While Capital One is a credit card issuer, Visa and Mastercard are credit card networks.
Visa vs. Mastercard
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 a card’s terms and conditions, including fees and types of rewards offered.
Capital One Visa and Mastercard cards
Here’s a brief overview of some Capital One Visa and Mastercard cards and the benefits they offer.
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Additional Capital One Visa and Mastercard options
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.
Should I choose a Capital One Visa or Mastercard?
Both Visa and Mastercard are accepted worldwide. For that reason, you may want to choose a card based on its benefits rather than its network. For example, you might consider things like introductory APR, credit score requirements, annual fees and rewards.
Keep in mind: Any Capital One card, whether Visa or Mastercard, will give you benefits like virtual card numbers, mobile banking through the Capital One Mobile app and protection from unauthorized use.
What’s the difference between a Capital One Visa and a Capital One Mastercard?
Perks and benefits vary by network and card issuer. You can find valuable information in your card’s benefits guide.
Capital One Visa and Mastercard FAQ
Here are answers to a few frequently asked questions about Capital One credit card networks.
Are there differences in the ways Capital One Visa and Mastercard credit cards are accepted?
Both Capital One Visa and Mastercard products are widely accepted across the U.S. and throughout the world.
Is there a difference in fees charged by Capital One?
There might be. Capital One and all other credit card issuers determine fees based on the credit card and the rewards it offers.
Do Capital One Visa and Mastercard cards have different security features?
Whether you have a Capital One Visa or Mastercard, you’ll enjoy the same security features. They can include security alerts and being able to easily lock your card to help protect you from fraud.
Are Discover and American Express credit card issuers or networks?
Discover and American Express are both credit card networks and issuers.
Key takeaways: Are Capital One Cards Visa or Mastercard?
Capital One issues both Visa and Mastercard credit cards offering a wide range of benefits. Those can include cash back, travel rewards and other perks.
Explore and compare all Capital One credit cards to find the one that’s right for you. You can check if you are pre-approved for a Capital One card before applying. It’s quick, and it won’t hurt your credit score.
