Updated on Apr 9, 2020

Best Capital One Credit Cards

Find a Capital One credit card that suits your needs.
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Independently researched content by us. Free financial advice for you. To do that, we may get compensation when you click on our partners’ products. Our lists consist of the best cards from our partners. Not all cards in the marketplace have been evaluated. View our full advertiser disclosure to learn more.

Capital One offers easy-to-use credit cards that come with great benefits and features. No matter what category of spenders you fit into, there is likely a Capital One credit card for you. See our top picks for the best Capital One credit cards below.

Capital One credit cards cater to all types of people and their financial situations – those who have exceptional credit, travelers, reward maximizers and consumers hoping to build their credit. As one of the nation’s largest banks, Capital One has a wide-ranging lineup of credit cards that offers business, cash back and travel rewards, as well as cards focused on building credit. “We serve tens of millions of customers across the credit spectrum,” Capital One CEO Richard D. Fairbank said in the company’s 2018 annual report. “We continue to invest heavily in rewards products, marketing programs, and digital experiences to attract and serve heavy spenders.” With various credit cards featuring top notch rewards, no annual fees and more, Capital One provides several great choices for those looking to get a new credit card. We take a deeper dive in the list below of the best Capital One credit cards and how they card work.

Best for earning miles: Capital One® Venture® Rewards Credit Card

Who should get it: If you love to travel, the Capital One® Venture® Rewards Credit Card will help you save big when you book trips. How to use it: There are two big perks with the Capital One® Venture® Rewards Credit Card – 50,000 bonus miles when you spend $3,000 in your first three months and 2x miles per dollar on every purchase. Why you’ll love it: When you’re traveling, you won’t have to pay a foreign transaction fee with your Capital One® Venture® Rewards Credit Card. Use your miles on flights, hotels and more with Capital One’s travel partners, plus receive up to $100 credit for Global Entry or TSA Pre✓® when you use this credit card. Things to consider:  
  • Annual fee of $0 first year, $95 after that
  • Lesser redemption value for cash back
  • Requires excellent credit
Pro tip: Capital One offers extra bonus miles when you book certain promotional travel or hotel reservations.

Best for cash back: Capital One® Quicksilver® Cash Rewards Credit Card

Who should get it: The Capital One® Quicksilver® Cash Rewards Credit Card is for those who value a simple cash back rewards structure and have good to excellent credit. If that sounds like you, this card is easy to use and will give you consistent rewards. How to use it: The cash back rewards are unlimited with the Capital One® Quicksilver® Cash Rewards Credit Card. The more you spend, the more cash you get back (or you have the option to redeem with a statement credit or gift card). Why you’ll love it: There aren’t any rotating bonus categories or annual fees to worry about, so you’ll earn 1.5% cash back no matter how you use your Capital One® Quicksilver® Cash Rewards Credit Card. Things to consider:  
  • Other cards have longer 0% APR intro periods
  • No category bonus options
  • Requires good to excellent credit

Best for business rewards: Capital One® Spark® Cash for Business

Who should get it: If you’re a business owner looking for a cash back business card and you value convenience, the Capital One® Spark® Cash for Business will satisfy your needs. How to use it: The Capital One® Spark® Cash for Business lets you earn unlimited 2% cash back with no rotating bonus categories and no annual fee for the first year. If your application is approved, the minimum credit line you can receive is $2,000. Why you’ll love it: The unlimited 2X cash back you could take home with the Capital One® Spark® Cash for Business makes it a staple card for business owners. With this credit card, the rewards don’t expire as long as the account remains open, and there’s no cap on how much cash back you can receive. Things to consider:
  • Annual fee of $0 first year, $95 after that
  • High spend required to earn sign up bonus
  • High penalty APR
Please Note: The Capital One® Spark® Cash for Business is currently unavailable through our site.

Best for no annual fee: Capital One® VentureOne® Rewards Credit Card

Who should get it: The Capital One® VentureOne® Rewards Credit Card is a great first-time travel card for people who want to earn rewards and take advantage of no blackout dates and booking travel through any of Capital One’s airline or hotel partners. How to use it: If you use the Capital One® VentureOne® Rewards Credit Card, you’ll earn unlimited 1.25x miles for every purchase. There’s flexibility in how you can redeem your rewards, but you’ll get the most value out of your earned miles by transferring it to one of Capital One’s travel partners. Why you’ll love it: The Capital One® VentureOne® Rewards Credit Card gives you the opportunity to earn great rewards and rack up an unlimited amount of miles that you can use to travel more frequently. An added bonus is that the rewards next expire. Things to consider:
  • Late payment fee of up to $39
  • Lower reward value with cash back redemption
  • Potentially high APR after intro period

Best for building credit: Capital One® Platinum Credit Card

Who should get it: The Capital One® Platinum Credit Card is an attractive choice for people with average credit who are looking to build credit or raise their credit limit. How to use it: The Capital One® Platinum Credit Card’s standout feature is the opportunity to gain access to a higher credit line after you make your first five monthly payments on time. Getting access to a higher credit line could be beneficial since credit limits tend to be lower for people with average credit. Why you’ll love it: The Capital One® Platinum Credit Card gives you the opportunity to build responsible credit card habits, and you’re rewarded for it by gaining access to a higher credit line after a few months. Plus, you have the option to monitor your credit profile with tools from Capital One. Things to consider:
  • High APR
  • No rewards
  • No sign up bonus
Pro tip: If your Capital One® Platinum Credit Card is ever stolen, you won’t be responsible for the charges with fraud coverage.

Best for dining rewards: Capital One® SavorOne® Cash Rewards Credit Card

Who should get it: The Capital One® SavorOne® Cash Rewards Credit Card could be a profitable card for people who don’t care to pay an annual fee, but frequently eat out and go to events. How to use it: The Capital One® SavorOne® Cash Rewards Credit Card comes in handy while you’re dining out at restaurants or spending money on entertainment. You’ll earn an unlimited 3% back in these categories, along with 2% back at grocery stores and 1% back on all other purchases. Why you’ll love it: If you spend regularly on dining and entertainment, you won’t find a more ideal card with a $0 annual fee. Not only does the Capital One® SavorOne® Cash Rewards Credit Card offer exceptional rewards in popular spending categories, but it also offers a solid sign up bonus of $150 cash back after you spend $500 on purchases (during the first three months of account opening). Things to consider:
  • Potentially high APR after intro period
  • Limited to specific spending categories
  • Lower rewards rate than other credit cards
Pro tip: There’s no need to sign up for rotating categories to earn cash rewards with the Capital One® SavorOne® Cash Rewards Credit Card.

Best for bad credit: Capital One® Secured Mastercard®

Who should get it: The Capital One® Secured Mastercard® could be a useful tool if you have bad credit or you’re a first-time cardholder. How to use it: The Capital One® Secured Mastercard® gives you access to a higher credit line as long as you pay your first five monthly bills on time. Plus, you can pick your monthly payment due date. Use the extra perk of a personalized payment date to pay off your bills in full and avoid the card’s high APR. Why you’ll love it: What the Capital One® Secured Mastercard® lacks in rewards, it makes up for as a daily dependable credit card for consumers trying to build credit. Things to consider:
  • No cash back, miles or points
  • No balance transfer or purchase intro APR
  • High APR
Pro tip: With the Capital One® Secured Mastercard®, you might only have to put down the minimum required security deposit (as low as $49 if you qualify, otherwise the minimum will be either $99 or $200).

Best for business travelers: Capital One® Spark® Miles for Business

Who should get it: If you’re a business owner who’s spending doesn’t fit into specific categories and want a straight-forward travel card, it’s hard to beat the earning potential that comes with the Capital One® Spark® Miles for Business. How to use it: To earn 2x miles with the Capital One® Spark® Miles for Business, use it for every purchase as there are no limits or category restrictions. You can also earn earn 5x miles on hotel and rental car bookings through Capital One’s travel portal. Why you’ll love it: The Capital One® Spark® Miles for Business is a great option if you’d like to tally up your travel rewards, but your business spending doesn’t always involve travel. Rather than offer a higher rewards rate on travel-related purchases and a lower rate on everything else, this card rewards you for spending on anything. Things to consider:
  • No intro APR period
  • Annual fee of $95 after the first year
  • High APR
Pro tip: There’s no limit to how much you can earn with the Capital One® Spark® Miles for Business, and the annual fee is $0 for the first year. Please Note: The Capital One® Spark® Miles for Business is currently unavailable through our site.

Compare Capital One credit card offers

Credit Card Annual Fee Rewards Rate Sign Up Bonus
Best for earning miles: Capital One® Venture® Rewards Credit Card $95* Unlimited 2x miles per dollar on every purchase 50,000 bonus miles once you spend $3,000 on purchases within the first three months
Best for cash back: Capital One® Quicksilver® Cash Rewards Credit Card $0 Unlimited 1.5% cash back on every purchase $150 cash bonus once you spend $500 on purchases within three months
Best for no annual fee: Capital One® VentureOne® Rewards Credit Card $0 Unlimited 1.25x miles per dollar on every purchase 20,000 bonus miles once you spend $1,000 on purchases within the first three months
Best for building credit: Capital One® Platinum Credit Card $0 None None
Best for dining rewards: Capital One® SavorOne® Cash Rewards Credit Card $0 Unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases $150 cash bonus once you spend $500 on purchases within the first three months
Best for bad credit: Capital One® Secured Mastercard® $0 None None
*$0 annual fee for the first year

Why should I choose a Capital One credit card?

There are many benefits to having a Capital One credit card. Applying online is simple, and depending on the card you get, there may be new cardholder bonus rewards. You’ll feel safe with the protection Capital One offers. With their $0 fraud liability, you won’t be responsible for any unauthorized purchases and you’ll get alerts if there is suspicious activity on your card. Plus, it’s easy to manage your purchases and bills with autopay and the Capital One mobile app.

What is the best Capital One card?

The best Capital One card looks different for everyone and there isn’t a universal approach to picking the best Capital One credit card for you. Capital One’s popularity in the credit card industry has allowed it to expand its offerings over time. From business owners to consumers struggling to build their credit, Capital One is one of the only major banks with cards for people of all credit score levels.

The savvy restaurant-goer and entertainer

The Capital One® SavorOne® Cash Rewards Credit Card is a foodie’s dream. The card’s 3% back on dining out and entertainment are unbeatable, plus the rewards are unlimited.

The traveler

There are two solid Capital One options for the traveler: Capital One® Venture® Rewards Credit Card or Capital One® VentureOne® Rewards Credit Card. The Capital One® Venture® Rewards Credit Card caters to more experienced, frequent travelers by offering a higher rewards rate and more travel perks. The Capital One® VentureOne® Rewards Credit Card is tailored to benefit consumers who are just beginning to travel more, but are still happy with a lower travel rewards rate and no annual fee.

The business owner

If you travel often for work or spend a lot on your businesses, Capital One has two business cards to pick from – the Capital One® Spark® Miles for Business or the Capital One® Spark® Cash for Business.

The simpleton

Looking for a simple cash back card where you don’t have to worry about rotating bonus categories or sign ups? The Capital One® Quicksilver® Cash Rewards Credit Card offers unlimited 1.5% cash back on all general purchases.

The credit builder

If you’ve defaulted on a loan more than once or you’ve been declined for a credit card in the last three months, Capital One® Platinum Credit Card or Capital One® Secured Mastercard® can help you establish important credit card habits.

Can I get a Capital One card with bad credit?

Capital One offers many credit cards for people with average credit, and if you pay your bills on time, you can quickly build your credit. If you have bad credit, you’ll want to consider a Capital One® Secured Mastercard®. This card has a $0 annual fee and can help you rebuild your credit with responsible use. However, there is a required refundable security deposit. You’ll receive an initial credit line of $200 once you make the minimum deposit (as low as $49 if you qualify, otherwise the minimum will be either $99 or $200). This is a great option from Capital One for those who have bad credit, but want to start rebuilding it.

Tips to remember when applying for a Capital One credit card

If you have decided on applying for a Capital One credit card, you need to consider a few things before choosing which card is best.
    1. Consider the annual fee, as they’ll vary based on which card you choose. The annual fee may or may not be worth the rewards for you.
    2. Look at the interest rate if you don’t think you’ll pay the statement in full each month.
    3. Ask yourself if the rewards are worth any annual fee, or if there is a better option for your spending habits.
    4. Consider all other fees and determine whether or not they’re worth it.

Will a Capital One credit card raise my credit score?

If you pay your balance each month on time, there’s a good chance that you can raise your credit score with a Capital One credit card. Apply specifically for a card that is for people with average credit to get help raising your credit score. In fact, many Capital One credit cards advertise that once you make your first five monthly payments on time, you’ll gain access to a higher credit line, ultimately contributing to a higher credit score.

Will raising my credit score be faster or slower using a Capital One credit card?

There are many factors that help raise your credit score, including paying your bills on time, paying off any other debt and not having too many accounts open. If you use your credit card appropriately and follow the guidelines to help raise your credit score, you’ll begin to reap the benefits of banking with Capital One.

Tips for using a Capital One credit card to raise your credit:

The most effective way to raise your credit is to pay your entire bill on time. Additionally, don’t go over your credit limit and always spend less than is given. Be careful opening and closing too many credit cards in a short period of time, and only open credit card accounts that you need and will be able to pay off.

Will closing a Capital One credit card hurt my credit standing?

Yes, it’s possible that closing your Capital One credit card could lower your credit score, but it depends on a few factors. If your credit card has a very high credit limit, this could result in your credit score taking a hit. If your Capital One credit card is one of your oldest credit card, closing the account could also lower your score. Sometimes, you may find it necessary to close your credit card account, but know that it could lower your credit score.

What should I do if my application is denied?

It can be discouraging if you’re denied a credit card. It’s important to ask the lender why you were denied, so that you can work on finding a solution. If it was due to too low of a credit score, the lender will legally have to provide you a copy of a free report. If your application is denied due to some sort of error on your application, you can dispute the error and possibly get approved that way. Consider a secured credit card if your credit score is too low, such as the Capital One® Secured Mastercard®, to help rebuild your credit score.

Capital One® Platinum Credit Card vs. Capital One® Quicksilver® Cash Rewards Credit Card

Both of these Capital One credit cards have aspects in common, but they ultimately cater to two types of people. The Capital One® Platinum Credit Card is a solid option for people looking to build their credit, whereas the Capital One® Quicksilver® Cash Rewards Credit Card is a card that is ideal for everyday shopping because it offers 1.5% cash back on purchases. Here’s a breakdown of each card:
Capital One® Platinum Credit Card Capital One® Quicksilver® Cash Rewards Credit Card
Rewards Rate None 1.5% cash back on purchases
Annual Fee $0 $0
Sign Up Bonus None $150 cash back when you spend $500 in the first three months
Pros
  • No foreign transaction fees
  • No penalty rate
  • Access to a higher credit line after you pay on time five months in a row
  • No foreign transaction fees
  • No penalty rate
  • Rewards don’t expire as long as account is active
  • No limit on the number of miles you can earn
Cons No rewards program Cash back is non transferable to other rewards programs

How many Capital One cards can you have?

As of 2011, you can only have two Capital One credit cards at once. This rule applies to most of Capital One’s consumer credits, such as the Capital One® Venture® Rewards Credit Card or Capital One® SavorOne® Cash Rewards Credit Card. However, the rule doesn’t apply to the Capital One Secured Mastercard, any of Capital One’s co-branded cards or Capital One’s business credit cards. If you do have more than two Capital One credit cards, you were likely grandfathered in before the rule went into effect and allowed to keep all your Capital One credit card accounts active.   The two-card restriction can cause some limitation for earning rewards, but Capital One still has a lot to offer across its credit card portfolio. For example, a popular credit card combination is the Capital One® Venture® Rewards Credit Card and Capital One® SavorOne® Cash Rewards Credit Card because they cover three popular categories of spending: food, entertainment and travel.

Advice from Travel Experts

Cory and Gergely Varga

Cory Varga
What kind of reward do you think is most valuable to the average consumer: miles, cash back, or points? We believe that miles are the most valuable reward. For those looking to get a travel rewards credit card, what is your best piece of advice? Go on comparison websites and make sure you opt-in for the best credit card suitable to you and your lifestyle. Don’t only get lured in by great rewards and read the small print to ensure you really get what’s best for you (and your monthly spending budget). What is something you wish you had known before getting a rewards credit card? I really wish I had paid more attention to how cash converts to rewards and how to really optimize my spending in order to maximize my rewards. Something as simple as getting a rewards business card could really push my monthly reward earnings. Husband-and-wife duo Gergely and Cory Varga are the co-founders of You Could Travel. They created their travel blog to inspire people to regain their sense of adventure, capture intimate moments with loved ones and pursue new experiences. Follow them on Instagram.
 

Matt Woodley

How has your Capital One card benefited you? My Capital One® Venture® Rewards Credit Card has been great. One of the perks I enjoyed was receiving 50,000 miles once I had spent $3,000 within the first three months of signing up for the card. The miles are worth a minimum of one cent, so my rewards ended up equaling $500 in travel for free just from using the credit card. The card also helps build my credit score too, as I make sure to pay off my balance each month. It really was a no-brainer for me. I also enjoy the benefit of earning unlimited 2x miles for every dollar I spend without any annual limits to be concerned about. What’s your favorite feature on your Capital One® Venture® Rewards Credit Card? I really like how easy the points are to redeem by simply logging into your Capital One® Venture® Rewards account and then looking for eligible purchases to “erase” by applying your balance of miles to them (the purchases must be from the last 90 days though). The other great feature is that there is no minimum redemption amount. You can also enjoy the first year without any annual fees (then $95) or foreign transaction fees. What tips can you offer to a cardholder who’s new to Capital One and wants to maximize their rewards? Make sure to spend $3,000 with your card within the first three months of signing up to earn the 50,000 miles sign up bonus. The great thing about this card as it’s really simple to start earning points and you don’t need to stress over whether your purchase will earn you miles. Every dollar you spend will earn you 2x miles at the minimum, so it’s great for everyday spending. Matt Woodley is a veteran of the international moving industry, a recognized moving expert and is the founder of MoverFocus. Matt holds a Bachelor of Commerce (BCom) majoring in Finance and Marketing and Bachelor of Arts (BA) majoring in Economics and History.
 

R.J. Weiss

How has your Capital One card benefited you while traveling? With three kids under the age of seven, most of the travel I’ve been doing lately is with the entire family. Since staying in one hotel room can get pretty tight, we prefer vacation rentals. This is where Capital One miles have cut our costs, as we can use their fixed-rate miles to help pay for our vacation rentals. We’ve also used miles to pay for other travel-related expenses such as trips to the airport and Uber rides, which can add up. What’s your favorite feature on your Capital One card? One of the great features of my Capital One card is the ability to transfer miles between personal and business accounts. As someone who runs a business, I’ve been able to build up a nice balance by combining balances within a personal and business account. Capital One also has flexible transfer rules from one personal account to another. As such, both my wife and I carry the card, with the goal of maximizing our total miles within the program. What’s the best way to use miles earned with your Capital One card? Using Capital One’s fixed-value rewards for vacation rentals offer the best value for me, as it’s often the most expensive part of traveling in a larger group. More so, other credit card issuers tend to have very limited availability for two and three bedroom rentals. For example, you can only you Chase Ultimate Rewards for a vacation rental within the Chase travel portal. But, with Capital One, you can use your miles from anything to renting an Airbnb to renting direct from a local property management company. R.J. Weiss is the founder and editor of The Ways To Wealth, a Certified Financial Planner, husband and father of three. He has spent more than decade writing about personal finance and has been featured in Forbes, Bloomberg, MSN Money and other publications. Follow him on Twitter.
 

Asdghik Melkonian

How has your Capital One card benefited you as a traveler? My Capital One® VentureOne® Rewards Credit Card is perfect for travel. Not only do I earn unlimited 1.25x miles for every dollar spent, but I also save money because of other great travel benefits such as no foreign transaction fees, travel accident insurance and auto rental collision damage waiver. Their customer service team is amazing and they have a 24-hour travel assistance service. A lot can happen when you’re traveling so in case your card is lost or stolen, you can get an emergency replacement card or a cash advance. What’s your favorite feature on your Capital One card? I love to fact that I can collect miles easily and use them to purchase not just flights or hotels, but also gift cards for my favorite merchants. I also have the option to use my miles to cover past purchases on the card. The rewards portal is so user-friendly and makes it easy to redeem miles. What’s the best way to use miles earned with your Capital One card? I recommend collecting miles over the course of a year and using them all together to book a vacation and cover the costs of both flights and hotels. Miles that are converted to travel rewards are worth more than miles converted to gift cards or cash. If you don’t have enough miles to cover your full trip, you can choose to pay for the rest of the amount. Asdghik Melkonian is a solo female travel blogger and founder of The Jetsetter Diaries – a travel and lifestyle blog featuring luxurious getaways and adventure trips. Follow her on Instagram.
 

Michelle Jensen

How has your Capital One card benefited you while traveling? I recently got the Capital One® Venture® Rewards Credit Card, and I love it! When I signed up, I got the 50,000 points reward by spending $3,000 within the first three months of opening the account. I was prepping for a trip to Spain, Portugal, and Greece, so this was easy to do. I also took advantage of the Hotels.com deal that got me 10x points on hotels I booked through a special link. I was able to rack up a ton of points in a short amount of time. I hit 75,000 points quickly! What’s your favorite feature on your Capital One card? I really enjoy the rewards structure on my Capital One® Venture® Rewards Credit Card. I charge everything to it now so I can earn 2X miles on all my purchases. Other cards I’ve used in the past either had 1x or 1.5x miles, so it’s nice I can double what I’m used to. Though this card has an annual fee after the first year, I’ve made up the $95 cost. What tips can you offer to a cardholder who’s new to Capital One and wants to maximize their rewards? Make sure to hit that $3,000 mark to get the 50,000 point-sign up bonus within the first three months of account opening. The sign up bonus is worth $500 in travel, so you’re essentially getting back a 1/6 of what you’re spending. If you’re going to spend that much, it’s really nice to get a chunk of it back. Though their Hotels.com deal for 10x the miles is now done, there are always other deals coming up so keep an eye out. Michelle Jensen is a twenty-something-year-old traveler and the founder of Travel HerStory, which provides planning tips, itineraries, reviews on tourism passes and more useful hacks to help. Follow her on Instagram.
Please Note: Information about Capital One Credit Cards have been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.

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