Green Light
Proceed through a Green Light without hesitation, would get any card identified with a green light without giving it a second thought. All these are elite Credit Cards

Yellow Light
Proceed through a Yellow Light with hesitation but still run a yellow 9/10 times, would get any card identified with a yellow light but think twice or take a step back before applying

Red Light
Proceed through a Red Light with a good reason (wife’s about to give birth) would only get a card identified with a red light for a GOOD reason (going on a cruise or need to build your credit)

SAVORONE REWARDS

Pros:

-Earn a one-time $150 cash bonus after spending $500 in purchases on your card within 3 months of opening
-Earn unlimited 3% cash back on dining and entertainment purchasese
-Earn 2% cash back at grocery stores (excluding superstores like Target and Walmart)
-0% intro APR for 15 months on purchases and balance transfers
-No annual fee
-No foreign transaction fees
-Extended Warranty and Travel Accident Insurance

Cons:

-Earn 1% cash back on all other purchases
-Cash back disappears if you close the account
-3% balance transfer fee

QUICKSILVER REWARDS

Pros:

-Earn a one-time $150 cash bonus after spending $500 in purchases on your card within 3 months of opening
-0% intro APR for 15 months on purchases and balance transfers
-No annual fee
-No foreign transaction fees
-Extended Warranty and Travel Accident Insurance

Cons:

-Earn 1.5% cash back on all purchases
-Cash back disappears if you close the account
-3% balance transfer fee

VENTURE REWARDS

Pros:

-Earn 50,000 bonus miles after spending $3,000 in purchases on your card within 3 months of opening
-Earn 2 miles for every $1 spent on your card
-Annual fee is waived for the first year
-Up to $100 statement credit for Global Entry or TSA Precheck every 4 years
-No Foreign Transaction Fees
-Auto Rental Collision Damage Waiver, Travel Accident Insurance, Extended Warranty
-Use miles on flights, hotels, and more or transfer to 15+ different travel loyalty programs

Cons:

-$95 annual fee after the first year of card membership
-No anniversary bonus in exchange for your annual fee
-If you cancel your card you loose your unused bonus miles

SAVOR REWARDS

Pros:

-Earn a one-time $300 cash back bonus after making $3,000 in purchases on your card within 3 months of opening
-Earn unlimited 4% cash back on dining and entertainment purchases
-Earn 2% cash back at grocery stores (excluding superstores like Target and Walmart)
-Annual fee is waived for the first year
-No Foreign Transaction Fees
-Extended Warranty and Travel Accident Insurance

Cons:

-$95 annual fee after the first year of card membership
-Earn 1% cash back on all other purchases
-No anniversary bonus in exchange for your annual fee
-If you cancel your card you loose your unused cash back
-Need to spend $9,000 on dining and entertainment purchases annually for the Savor to be worth it over the SavorOne

VENTUREONE REWARDS

Pros:

-Earn 20,000 bonus miles after spending $1,000 in purchases on your card within 3 months of opening
-0% intro APR on purchases and balance transfers for the first 12 months of membership
-No annual fee
-No Foreign Transaction Fees
-Extended Warranty and Travel Accident Insurance
-Use miles on flights, hotels, and more or transfer to 15+ different travel loyalty programs

Cons:

-Earn 1.25 miles for every $1 spent on purchases
-If you cancel your card you loose your unused miles
-3% balance transfer fee

SPARK CASH BUSINESS

Pros:

-Earn a one-time $500 bonus when you spend $4,500 in purchase on your card within 3 months of opening
-Earn unlimited 2% cash back for every $1 spent on your card
-Annual fee is waived for the first year
-No Foreign Transaction Fees
-Auto Rental Damage Waiver, Purchase Security and Extended Protection

Cons:

-$95 annual fee after the first year of card membership
-No anniversary bonus in exchange for your annual fee
-If you cancel your card you loose your unused cash back

SPARK MILES BUSINESS

Pros:

-Earn a one-time 50,000 miles bonus after spending $4,500 in purchases on your card within 3 months of opening
-Earn 5 miles for every $1 spent on hotel and rental car bookings through Capital One Travel
-Earn unlimited 2 miles for every $1 spent on everything else with your card
-Up to $100 statement credit for Global Entry or TSA Precheck every 4 years
-Annual fee is waived for the first year
-No Foreign Transaction Fees
-Auto Rental Damage Waiver, Extended Warranty and Protection

Cons:

-$95 annual fee after the first year of card membership
-No anniversary bonus in exchange for your annual fee
-If you cancel your card you loose your unused miles

SPARK CASH SELECT

Pros:

-Earn a one-time $200 bonus when you spend $3,000 in purchase on your card within 3 months of opening
-0% intro APR on purchases made on your card for 9 months after opening
-No annual fee
-No Foreign Transaction Fees
-Auto Rental Damage Waiver
-Cash Select OVER Cash Business if you’re business is in the beginning phases and could utilize a 0% intro APR

Cons:

-Earn unlimited 1.5% cash back on all purchases made with your card
-6.6% return on your spend for this intro bonus versus 11.11% on the Spark Cash
-If you cancel your card you loose your unused cash back

SPARK MILES SELECT

Pros:

-Earn a one-time 20,000 miles bonus when you spend $3,000 in purchases on your card within 3 months of opening
-0% intro APR on purchases made on your card for 9 months after opening
-No annual fee
-No Foreign Transaction Fees
-Auto Rental Damage Waiver
-Miles Select OVER Miles Business if you’re business is in the beginning phases and could utilize a 0% intro APR

Cons:

-Earn unlimited 1.5 miles on all purchases made with your card
-6.6% return on your spend for this intro bonus versus 11.11% on the Spark Miles
-If you cancel your card you loose your unused miles

SECURED MASTERCARD

Pros:

-Only a $49, $99, or $200 refundable minimum security deposit for an initial credit line of $200
-Access to a higher credit limit after making your first 5 monthly payments on time
-Pick your monthly payment due date
-No annual fee
-No Foreign Transaction Fees
-Auto Rental Collision Damage Waiver, Travel Accident Insurance, Extended Warranty

Cons:

-No intro bonus or point accrual on purchases
-High APR so need to make sure your statement balance is paid each month
-Only for individuals trying to build credit and can’t get approval for any other cards (Last Resort!)

CAPITAL ONE PLATINUM

Pros:

-Access to a higher credit limit after making your first 5 monthly payments on time
-No annual fee
-No Foreign Transaction Fees
-Auto Rental Collision Damage Waiver, Travel Accident Insurance, Extended Warranty

Cons:

-No intro bonus or point accrual on purchases
-High APR so need to make sure your statement balance is paid each month
-Only for individuals trying to build credit and can’t get approval for any other cards (Last Resort!)

QUICKSILVER ONE

Pros:

-Access to a higher credit limit after making your first 5 monthly payments on time
-No Foreign Transaction Fees
-Auto Rental Collision Damage Waiver, Travel Accident Insurance, Extended Warranty

Cons:

-$39 annual fee that is not waived the first year
-No intro bonus
-Earn 1.5% cash back for every $1 spent (Need to spend $2,600 annually to make the annual fee pay for itself)
-High APR so need to make sure your statement balance is paid each month
-Only for individuals trying to build credit and can’t get approval for any other cards, but could never advise anyone to pay this annual fee
-Go with the Capital One Platinum

JOURNEY STUDENT CREDIT CARD

Pros:

-Access to a higher credit limit after making your first 5 monthly payments on time
-If you pay your bill on time boost your cash back to a total of 1.25% for every $1 spent
-No annual fee
-No Foreign Transaction Fees
-Auto Rental Collision Damage Waiver, Travel Accident Insurance, Extended Warranty

Cons:

-No intro bonus
-Earn 1% cash back for every $1 spent
-High APR so need to make sure your statement balance is paid each month
-Apply for other cards first, use this card as a Last Resort

WALMART REWARDS CARD

Pros:

-Earn unlimited 5% cash back per $1 spent on all purchases at Walmart.com
-Earn 5% back per $1 spent in Walmart store for the first 12 months after approval when you use your Capital One Walmart Rewards Card with Walmart Pay
-Earn 2% back per $1 spent in Walmart stores and Walmart and Murphy USA fuel stations
-No annual fee
-No Foreign Transaction Fees
-Travel Accident Insurance

Cons:

-No intro bonus
-Earn 2% cash back on for every $1 spent on dining and travel
-Earn 1% cash back for every $1 spent on everything else
-Loose your cash back if you cancel your card

BUYPOWER CARD

Pros:

-Earn 5% cash back on your first $5,000 in purchases on your card every year
-Earn 2% cash back on everything else
-0% intro APR on purchases for the first 12 months
-No annual fee
-No Foreign Transaction Fees
-Can redeem earnings for statement credits up to $250 per calendar year on vehicle care and GM extras

Cons:

-No intro bonus
-Rewards can only be used on GM purchases (vehicles, service, or extras)
-Loose your cash back if you cancel your card

CABELA’S CLUB CARD

Pros:

-Earn $20 in CLUB points upon approval and extra $10 in points after making 5 purchases on your card within 30 days
-No annual fee
-No Foreign Transaction Fees

Cons:

-Earn 2% back in CLUB points for every $1 spent on all Bass Pro Shops and Cabela’s purchases
-Earn 1% cash back for every $1 spent on everything else
-Rewards exclusive to Bass Pro Shops and Cabela’s
-9.99% APR on purchases at Bass Pro Shops and Cabela’s is not that great
-Loose your cash back if you cancel your card

BASS PRO SHOPS CLUB CARD

Pros:

-Earn $20 in CLUB points upon approval and extra $10 in points after making 5 purchases on your card within 30 days
-No annual fee
-No Foreign Transaction Fees

Cons:

-Earn 2% back in CLUB points for every $1 spent on all Bass Pro Shops and Cabela’s purchases
-Earn 1% cash back for every $1 spent on everything else
-Rewards exclusive to Bass Pro Shops and Cabela’s
-9.99% APR on purchases at Bass Pro Shops and Cabela’s is not that great
-Loose your cash back if you cancel your card

BUYPOWER BUSINESS CARD

Pros:

-Earn 5% cash back on purchases of GM parts, accessories and service at authorized GM Dealers
-Earn 3% cash back on purchases at restaurants, gas stations, and office supply stores
-0% intro APR on purchases for the first 12 months
-No annual fee
-No Foreign Transaction Fees
-Can redeem earnings for statement credits up to $250 per calendar year on vehicle care and GM extras

Cons:

-No intro bonus
-Earn 1% cash back for every $1 spent on everything else
-Rewards can only be used on GM purchases (vehicles, service, or extras)
-Loose your cash back if you cancel your card

SPARK CLASSIC

Pros:

-No Foreign Transaction Fees
-Auto Rental Collision Waiver

Cons:

-No intro bonus
-Earn 1% cash back for every $1 spent on everything
-Loose your cash back if you cancel your card