If you’ve shopped around for credit cards, chances are you’ve noticed (and been confused by) the subtle differences in credit card names from the same issuer— the Capital One Venture vs. the VentureX vs. the VentureOne, for example. Many of today’s best credit cards are sibling credit cards — two or more credit cards, offered by the same issuer, with similar rewards and benefits.

In most cases, one of the siblings is a no-annual-fee credit card designed for people who want to earn credit card rewards without committing to a yearly fee. The other sibling credit card or cards offer bigger rewards and better perks, but you’ll have to pay an annual fee to take advantage of the savings.

In this guide, we’ve detailed the most popular credit card families and dissected the differences between each card.

American Express Blue Cash Cards

Best for big grocery spenders

The Blue Cash Preferred® Card from American Express and the Blue Cash Everyday® Card from American Express are two of today’s best grocery credit cards. But rewards on grocery spending aren’t the only benefits these sibling cards have to offer.

  • The Blue Cash Everyday card is a no-annual-fee card that earns 3 percent cash back on groceries, gas and online retail purchases — on the first $6,000 in spending per category, per year.
  • The Blue Cash Preferred card charges a $95 annual fee (waived the first year), but cardholders get a whopping 6 percent cash back on the first $6,000 in annual grocery spending. Blue Cash Preferred cardholders also earn 6 percent cash back on select streaming services, as well as 3 percent cash back on gas and transit.

If you’re concerned about paying $95 per year, keep in mind that it’ll only take you $132 in monthly grocery spending to earn enough rewards to cover the cost of the Blue Cash Preferred’s annual fee. If you want to max out your 6 percent cash back rewards, you’ll need to spend $500 per month on groceries before you hit the $6,000 annual cap — which shouldn’t be hard for most families.

Which card is best for you?

  • The Blue Cash Preferred card might be best for you if you spend at least $132 on groceries every month.
  • The Blue Cash Everyday card might be best for you if you’re hesitant to pay an annual fee or aren’t sure if you’ll spend more than $132 on groceries per month.
Rewards rate Annual fee Additional perks
Blue Cash Preferred
  • 6% cash back on U.S. supermarket purchases, for up to $6,000 in purchases per year; 6% cash back on select U.S. streaming subscriptions; 3% on transit; 3% cash back on U.S. gas station purchases; 1% cash back on all other purchases
  • $250 statement credit after spending $3,000 within six months of account opening
$0 the first year, then $95
  • 0% APR for 12 months on purchases and balance transfers; then 16.99% to 27.99% variable
  • $84 The Disney Bundle credit
  • $120 Equinox+ credit
Blue Cash Everyday
  • 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases for up to $6,000 per calendar year in each category; 1% cash back on other purchases
  • $200 statement credit after spending $2,000 within six months of account opening
$0
  • 0% APR for 15 months on purchases and balance transfers; then 16.99% to 27.99% variable
  • $84 The Disney Bundle credit
  • $180 The Home Chef credit

Capital One Savor Cards

Best for dining and entertainment spenders

If your biggest monthly expense is dining and entertainment, you’re going to want to consider a Capital One Savor card. Both the Capital One Savor Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card offer an impressive 8 percent cash back on Capital One Entertainment purchases, as well as 5 percent cash back on hotels and rental cars booked through Capital One Travel.

How do these sibling credit cards differ?

  • The Savor card, which charges a $95 annual fee, offers 4 percent cash back on dining, entertainment and select streaming services, as well a 3 percent cash back on groceries.
  • The SavorOne card is a no-annual-fee card that offers 3 percent cash back on dining, entertainment, select streaming services and groceries.

Does the Savor’s annual fee get in the way of your savings? We’ve done the math, and a cardholder who annually spends $2,000 on dining, entertainment and streaming services, $800 at grocery stores and $1,000 on all other purchases every month will come out ahead with the Savor card — even after paying the $95 annual fee.

Which card is best for you?

  • The Savor card might be best for you if your biggest expenses are travel, dining, entertainment and streaming.
  • The SavorOne card might be best if you want to test-drive a restaurant rewards credit card before upgrading to the Savor card.
Rewards rate Annual fee Additional perks
Capital One Savor Cash Rewards Credit Card
  • 8% cash back on Capital One Entertainment purchases, 5% cash back on hotel and rental car bookings through Capital One Travel, 4% cash back on dining and entertainment plus popular streaming services, 3% cash back at grocery stores, 1% cash back on all other purchases
  • $300 cash bonus after spending $3,000 within three months of account opening
$95
Capital One SavorOne Cash Rewards Credit Card
  • 8% cash back on Capital One Entertainment purchases; 5% cash back on hotel and rental car bookings through Capital One Travel; 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®); 1% cash back on all other purchases
  • $200 cash bonus after spending $500 within three months of account opening
$0 0% intro APR for 15 months on purchases and balance transfers

Capital One Venture Cards

Best for travel and general spenders

Believe it or not, there are four Capital One Venture cards, and these flexible cards allow you to earn Capital One Miles on travel expenses as well as everyday purchases.

Most travelers are probably going to be interested in the Capital One Venture Rewards Credit Card, which offers 5X miles on hotels and rental cars booked through Capital One Travel as well as 2X miles on all other purchases. This card charges a $95 annual fee, but you’ll also receive a TSA Precheck/Global Entry application fee credit worth up to $100 as well as two complimentary airport lounge visits per year.

Frequent travelers may want to consider the Capital One VentureX Rewards Credit Card, which is a step higher on the luxury scale. This card charges a $395 annual fee, but when you add up the value of the rewards, perks and annual statement credits, many travelers could find it worth the cost.

Less-frequent travelers could take advantage of the Capital One VentureOne Rewards Card, a no-annual-fee credit card that earns slightly fewer rewards than its bigger siblings. And you might also be interested in the Capital One VentureOne Rewards Card for Good Credit, a card that allows you to begin earning Capital One Miles, even if you haven’t yet established an excellent credit score.

Which card is best for you?

  • The Venture card might be best for you if you want a credit card that rewards travel and everyday purchases.
  • The VentureX card might be best for you if you want to maximize your Capital One Miles on flights, hotels and rental cars, as well as take advantage of premium travel perks.
  • The VentureOne card might be best for you if you travel infrequently but still want to earn miles on hotels and rental cars.
  • The VentureOne for Good Credit might be best for you if you’re in the process of building your credit score.
Rewards rate Annual fee Additional perks
Capital One Venture Rewards Credit Card
  • 5X miles on hotels and rental cars booked through Capital One Travel, 2X miles on all other purchases
  • 75,000-mile bonus after spending $4,000 within three months of account opening, equal to $750 in travel
$95
  • TSA Precheck/Global Entry application fee credit
  • Limited airport lounge access
Capital One VentureX Rewards Credit Card
  • 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights booked through Capital One Travel, 2X miles on all other purchases
  • 75,000-mile bonus after spending $4,000 within three months of account opening, equal to $750 in travel
$395
  • 10,000 bonus miles on account anniversary
  • $300 in annual statement credits for Capital One Travel purchases
  • TSA Precheck/Global Entry application fee credit
  • Unlimited airport lounge access
Capital One VentureOne Rewards Card
  • 5X miles on hotels and rental cars booked through Capital One Travel, 1.25X miles on all purchases
  • 20,000-mile bonus after spending $500 on purchases within three months of account opening, equal to $200 in travel
$0 0% intro APR for 15 months on purchases and balance transfers
Capital One VentureOne Rewards Card for Good Credit 1.25X miles on all purchases $0

Chase Sapphire Cards

Best for travel and dining spenders

If you know anything about travel credit cards, you’ve probably heard of the Chase Sapphire cards. These sibling credit cards are two of the best travel credit cards available today — as long as you’re willing to pay an annual fee for industry-leading perks. What do you get when you join the Chase Sapphire family?

The Chase Sapphire Preferred® Card charges a $95 annual fee, and cardholders earn 5X points on travel booked through Chase Ultimate Rewards and 2X points on all other travel, as well as 3X points on dining, select streaming services and select online grocery purchases. Plus, any points you earn are worth 25 percent more when redeemed for travel through Chase Ultimate Rewards. A $50 annual statement credit for hotel stays purchased through Chase Ultimate Rewards sweetens the deal even further.

The Chase Sapphire Reserve® charges a $550 annual fee — one of the highest annual fees on the market — in exchange for an impressive suite of travel perks including a $300 travel credit, a TSA Precheck/Global Entry application fee credit, airport lounge access and more. You’ll earn 10X total points on hotel stays and car rentals through Ultimate Rewards, 5X total points on air travel through Ultimate Rewards (after earning your $300 travel credit) and 3X points on general travel and restaurant purchases. Points are worth 50 percent more when redeemed for travel through Chase Ultimate Rewards.

We did the math, and the way to come out ahead with the Chase Sapphire Reserve card is by using all of the available perks — the annual $300 travel credit, the airport lounge access, and so on. Otherwise, you may get a better overall value out of the Chase Sapphire Preferred card.

Which card is best for you?

  • The Chase Sapphire Preferred might be best for you if you want high-level travel rewards while paying a standard annual fee.
  • The Chase Sapphire Reserve might be best for you if you’re ready to pay $550 per year in exchange for some of the best travel perks in the industry.
Rewards rate Annual fee Additional perks
Chase Sapphire Preferred®
  • 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs); 5X points on travel through Chase Ultimate Rewards and Lyft Rides (Lyft offer through March 31st, 2025); 2X points on other travel; 1X points on all other purchases
  • 60,000 bonus points after spending $4,000 within three months from account opening, worth $750 when redeemed for travel through Chase Ultimate Rewards
$95
  • Points worth 25% more when redeemed for travel through Chase Ultimate Rewards
  • $50 in annual statement credits for hotel stays purchased through Chase Ultimate Rewards
  • Complimentary DoorDash DashPass membership
Chase Sapphire Reserve®
  • 3X points on general travel and restaurant purchases, 10X total points on Lyft purchases (through March 2025), 10X total points on Chase Dining purchases through Ultimate Rewards, 10X total points on hotel stays and car rentals through Ultimate Rewards, 5X total points on air travel through Ultimate Rewards (after earning your $300 travel credit), 1X points on all other purchases
  • 80,000 bonus points after spending $4,000 within three months of account opening, worth $1,200 when redeemed for travel through Chase Ultimate Rewards
$550
  • Points worth 50% more when redeemed for travel through Chase Ultimate Rewards
  • $300 annual travel credit
  • Complimentary Lyft Pink and DoorDash DashPass membership
  • TSA Precheck/Global Entry application fee credit
  • Airport lounge access
  • Luxury hotel and resort collection amenities
  • Exclusive dining reservations through Chase Dining and Reserved by Sapphire

Capital One Quicksilver Cards

Best for general spending

We love flat-rate cash back credit cards — and the Capital One Quicksilver cards are solid options, especially for people with credit scores that fall short of excellent.

The no-annual-fee Capital One Quicksilver Cash Rewards Credit Card is the best option, offering 5 percent cash back on hotels and rental cars booked through Capital One Travel and 1.5 percent cash back on all other purchases. This card requires good to excellent credit.

The Capital One Quicksilver Rewards for Good Credit card offers the same flat-rate cash back rewards as its Quicksilver sibling, but does not include the opportunity to earn a cash bonus.

The Capital One QuicksilverOne Cash Rewards Credit Card is available to people with fair credit, offering similar rewards but with a $39 annual fee.

Which card is best for you?

  • The Quicksilver might be best if you’re looking for a top cash back card with no annual fee.
  • The Quicksilver for Good Credit might be best if you’re still working on improving your credit score.
  • The QuicksilverOne might be best if you’re looking to earn cash back rewards while building your credit and — if all goes well — upgrading to another card in the Quicksilver family.
Rewards rate Annual fee Additional perks
Capital One Quicksilver
  • 5% cash back on hotels and rental cars booked through Capital One Travel, 1.5% cash back on all purchases
  • $200 cash bonus after spending $500 within three months of account opening
$0
Capital One Quicksilver Rewards for Good Credit
  • 5% cash back on hotels and rental cars booked through Capital One Travel, 1.5% cash back on all purchases
$0
Capital One QuicksilverOne
  • 5% cash back on hotels and rental cars booked through Capital One Travel, 1.5% cash back on all other purchases
$39

Ink Business Cards

Best for business owners

Small business owners can also benefit from credit card rewards, and the best credit cards for small businesses are ready to deliver. Chase offers four sibling credit cards under the Ink Business brand, each of which is designed for a small business owner with a different level of annual business spending.

  • The Ink Business Unlimited® Credit Card, a no-annual-fee card that rewards all purchases with 1.5 percent cash back, may benefit freelancers and solopreneurs with varied spending.
  • The Ink Business Cash® Credit Card charges no annual fee and is worthy of consideration if you make a lot of office supply purchases.
  • The Ink Business Preferred® Credit Card, which charges a $95 annual fee, is geared toward small businesses that do a lot of traveling.
  • The Ink Business PremierSM Credit Card is a recent addition to the Ink Business family. With an annual fee of $195 per year, it’s a good match for small business owners who can afford to grow. The Ink Business Premier is a a charge card, which means it must be paid off in full every month. It also offers top-level rewards on travel, as well as business purchases over $5,000.

Which card is best for you?

  • The Ink Business Unlimited is best for small business owners who don’t do a lot of business spending but still want to earn rewards.
  • The Ink Business Cash is best for small business owners who spend between $25,000 and $50,000 on their businesses per year.
  • The Ink Business Preferred is best for small business owners who spend around $150,000 on their businesses per year, or who want a business credit card that rewards travel.
  • The Ink Business Premier card is best for small business owners who regularly make purchases over $5,000 and are able to pay off their card in full every month.
Rewards rate Annual fee Additional perks
Ink Business Unlimited
  • 1.5% cash back on all purchases
  • $750 bonus cash back after spending $7,500 within the first three months of account opening
$0
  • 0% intro APR for 12 months on purchases; then 15.49% – 21.49% variable
  • Employee cards at no additional cost
Ink Business Cash
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores, internet, cable and phone services each account anniversary year; 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; 1% cash back on all other purchases
  • $750 bonus cash back after spending $7,500 within the first three months of account opening
$0
  • 0% intro APR for 12 months on purchases; then 15.49% to 21.49% variable
  • Employee cards at no additional cost
Ink Business Preferred
  • 3X points on the first $150,000 spent on travel and select business categories each account anniversary year (then 1X points), 1X points on all other purchases
  • 100,000 bonus points after spending $15,000 within the first three months of account opening
$95
  • Employee cards at no additional cost
Ink Business PremierSM Credit Card
  • 5% cash back on travel purchased through Chase Ultimate Rewards, 2.5% cash back on purchases of $5,000 or more, 2% cash back on all other purchases
  • $1,000 bonus cash back after spending $1,000 within the first three months of account opening
$195
  • Charge card with the opportunity to use Flex for Business to pay for purchases over $500 in installments (with interest)
  • Employee cards at no additional cost