Best Capital One credit cards
Capital One credit cards ranked by what each one is worth for your spending, after fees.
Card details updated November 9, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
5 Capital One Canada credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 1. Quicksilver World Elite Mastercard®
Capital One · Mastercard
Worth in year one $657Then each year $6573% back on groceries and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $80,000 personal or $150,000 household income
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Ranked 2. Quicksilver World Mastercard®
Capital One · Mastercard
Worth in year one $657Then each year $6573% back on groceries and gas, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Needs $50,000 personal or $80,000 household income
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Ranked 3. Capital One® Smart Rewards™ Mastercard®
Capital One · Mastercard Expert Score 6.6 out of 10. Fair
Earned in year one 150,000 pointsThen each year 150,000 points5 points per $1 on everything
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Read the full review: Capital One® Smart Rewards™ Mastercard®
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Ranked 4. Capital One® Guaranteed Secured Mastercard®
Capital One · Mastercard Expert Score 6.8 out of 10. Fair
Earns no rewards Builds credit with a $75 deposit. See it ranked under Low interest
- Annual fee
- $59 a year
Approval is easier with a deposit
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Read the full review: Capital One® Guaranteed Secured Mastercard®
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Ranked 5. Capital One® Guaranteed Mastercard®
Capital One · Mastercard Expert Score 6.6 out of 10. Fair
Earns no rewards Built for a lower interest rate: 29.9% on purchases. See it ranked under Low interest
- Annual fee
- $59 a year
Income rule not listed
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Showing 5 of 5 cards
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Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
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Cards by network
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction