Key takeaways

  • Sibling cards are two or more credit cards offered by the same issuer that share similar names, rewards and benefits.
  • Some cards offer stronger rewards, perks and benefits than their sibling cards — and with no annual fee.
  • When deciding among sibling cards, weigh the benefits of each card with any annual fee. One may be a better fit based on your personal spending habits and lifestyle.

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 Venture X 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 rewards without committing to a yearly fee. The other sibling credit card or cards offer bigger rewards and stronger perks, but you’ll have to pay an annual fee to take advantage of the savings.

In this guide, we detailed the most popular credit card families and tease out 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 credit cards for groceries. However, rewards on grocery spending aren’t the only benefits these sibling cards have to offer.

  • The Blue Cash Everyday is a no-annual-fee card that earns 3 percent cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1 percent after that. It also earns 3 percent cash back on U.S. online retail purchases of up to $6,000 per year (then 1 percent) and 3 percent cash back at U.S. gas stations on purchases of up to $6,000 per year (then 1 percent).
  • The Blue Cash Preferred card charges a $95 annual fee ($0 introductory fee for the first year), but cardholders earn a whopping 6 percent cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Blue Cash Preferred cardholders also earn 6 percent cash back on select U.S. streaming services, as well as 3 percent cash back on U.S. gas station and transit purchases, including taxis, rideshares, parking, tolls, trains, buses and more.

If you’re concerned about paying $95 per year, keep in mind that it will take you only $132 in monthly grocery spending to earn enough rewards to cover the cost of the Blue Cash Preferred’s annual fee. 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 if you spend at least $132 on groceries every month.
  • The Blue Cash Everyday card might be best if you’re hesitant to pay an annual fee or aren’t sure if you’ll spend more than $132 on groceries a 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 (then 1%); 6% cash back on select U.S. streaming subscriptions; 3% on transit (includes taxis/rideshare, parking, tolls, trains, buses and more); 3% cash back on U.S. gas station purchases; 1% cash back on all other purchases
  • $250 statement credit after spending $3,000 in purchases within 6 months of account opening
 $0 intro annual fee for the first year, then $95
  • 0% intro APR for 12 months on purchases and balance transfers, then 19.24% to 29.99% variable
Blue Cash Everyday
  • 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% cash back on U.S. online retail purchases on up to $6,000 per year (then 1%); 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1%); 1% cash back on all other purchases
  • $200 statement credit after spending $2,000 in purchases within 6 months of account opening
 $0
  • 0% intro APR for 15 months on purchases and balance transfers (subject to balance transfer fee of $5 or 3%, whichever is greater), then 19.24% to 29.99% variable

Capital One Savor Cards

Best for dining and entertainment spenders

If your biggest monthly expense is dining and entertainment, you should 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 as 3 percent cash back at grocery stores (excluding superstores like Walmart and Target). It also offers a one-time $300 cash bonus when you make $3,000 in purchases on the card during the first three months after opening an account.
  • The SavorOne card is a no-annual-fee card that offers 3 percent cash back on dining, entertainment, select streaming services and grocery store purchases (excluding superstores like Walmart and Target). Cardmembers can also earn a one-time $200 cash bonus when they spend $500 on purchases during the first three months after opening an account.

Does the Savor’s annual fee get in the way of your savings? We’ve done the math and found that a cardholder who spends $2,000 on dining, entertainment and streaming services, plus $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 if your biggest expenses are travel, dining, entertainment and streaming.
  • The SavorOne card might be best if you dislike annual fees or 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
  • 10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024); 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 (excluding superstores like Walmart and Target); 1% cash back on all other purchases
  • One-time $300 cash bonus after spending $3,000 in purchases within 3 months of account opening
 $95
Capital One SavorOne Cash Rewards Credit Card
  • 10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024); 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
  • One-time $200 cash bonus after spending $500 in purchases within 3 months of account opening
 $0
  • 0% intro APR for 15 months on purchases and balance transfers (3% balance transfer fee on amounts transferred within the first 15 months; no fee for amounts transferred at the transfer APR), then 19.99% to 29.99% variable

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 will 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 2 complimentary airport lounge visits to any Capital One Lounge per year.

Frequent travelers may want to consider the Capital One Venture X 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 jet-setters may find it worth the cost.

Less-frequent travelers could take advantage of the Capital One VentureOne Rewards Credit Card, a no-annual-fee credit card that earns slightly fewer rewards than its bigger siblings. 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 if you want a credit card that rewards travel and everyday purchases.
  • The Venture X Card might be best 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 if you travel infrequently but still want to earn miles on hotels and rental cars.
  • The VentureOne for Good Credit might be best 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 on purchases within 3 months of account opening, equal to $750 in travel
 $95
  • Up to $100 TSA Precheck/Global Entry application fee credit
  • Limited airport lounge access to Capital One Lounges
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 on purchases within 3 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
  • Up to $100 TSA Precheck/Global Entry application fee credit
  • Unlimited airport lounge access to Priority Pass and Capital One Lounges
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 3 months of account opening, equal to $200 in travel
 $0
  • 0% intro APR for 18 months on purchases and balance transfers (3% balance transfer fee on amounts transferred within first 15 months; no fee for amounts transferred at the transfer APR); then 19.99% to 29.99% variable
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, though cardholders earn 5X points on travel booked through Chase Ultimate Rewards and 2X points on all other travel purchases. You’ll also earn 3X points on dining (including eligible delivery services), select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). 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 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 up to $300 in statement credit toward travel expenses, up to $100 credit toward TSA Precheck/Global Entry/NEXUS application fees, 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 if you want high-level travel rewards while paying a standard annual fee.
  • The Chase Sapphire Reserve might be best if you’re ready to pay $550 per year in exchange for some of the best travel perks in the industry.
Rewards rate and welcome offer Annual fee Additional perks
Chase Sapphire Preferred®Card
  • 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 on purchases within 3 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 limited-time credits and/or partner perks with DoorDash, GoPuff, Instacart, Lyft, and Peloton
Chase Sapphire Reserve®
  • 10X points on hotel stays, car rentals and Chase Dining purchases through Ultimate Rewards; 10X points on Lyft purchases (through March 2025); 5X total points on air travel through Ultimate Rewards (after earning your $300 travel credit); 3X points on general travel and restaurant purchases (after earning $300 credit); 1X points on all other purchases
  • 60,000 bonus points after spending $4,000 on purchases within 3 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
  • Up to $300 in annual travel statement credits
  • Complimentary limited-time credits and/or partner perks with DoorDash, GoPuff, Instacard, Lyft, and Peloton
  • Up to $100 TSA Precheck/Global Entry/NEXUS application fee credit
  • Airport lounge access with Priority Pass
  • 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.

And the Capital One QuicksilverOne Cash Rewards Credit Card is available to people with fair to good 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 other purchases
  • One-time $200 cash bonus after spending $500 in purchases within 3 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 other 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 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, which charges an annual fee of $195 per year, is a good match for small business owners who can afford to grow. The Ink Business Premier is a charge card, which means it must be paid off in full every month — although it offers a flexible payment plan (with interest) for purchases over $500 through Flex for Business. It also offers top-level rewards on travel, as well as on business purchases of more than $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 $6,000 on purchases within the first 3 months of account opening
 $0
  • 0% intro APR for 12 months on purchases; then 18.49% to 24.49% 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 $6,000 on purchases within the first 3 months of account opening
 $0
  • 0% intro APR for 12 months on purchases; then 18.49% to 24.49% 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 $8,000 on purchases within the first 3 months of account opening
 $95
  • Employee cards at no additional cost
  • Points worth 25% more when redeemed for travel through Chase Ultimate Rewards
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 $10,000 on purchases within the first 3 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

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Information about the Capital One Savor Cash Rewards Credit Card, Capital One VentureOne Rewards Card for Good Credit and the Capital One Quicksilver Rewards for Good Credit has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.