Best Capital One Credit Cards

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.

In this article

    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 – 60,000 bonus miles when you spend $3,000 in your first 3 months of account opening 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:

    • $95 annual fee
    • 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 $40
    • 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 $200 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: Secured Mastercard® from Capital One

    Who should get it: The Secured Mastercard® from Capital One could be a useful tool if you have bad credit or you’re a first-time cardholder.

    How to use it: The Secured Mastercard® from Capital One 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 Secured Mastercard® from Capital One 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 Secured Mastercard® from Capital One, 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 CardAnnual FeeRewards RateSign Up Bonus
    Best for earning miles: Capital One Venture Rewards Credit Card$95Unlimited 2x miles per dollar on every purchaseEnjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
    Best for cash back: Capital One Quicksilver Cash Rewards Credit Card$0Unlimited 1.5% cash back on every purchase$200 cash bonus once you spend $500 on purchases within three months from account opening
    Best for no annual fee: Capital One VentureOne Rewards Credit CardN/AUnlimited 1.25x miles per dollar on every purchase20,000 bonus miles once you spend $500 on purchases within the first three months
    Best for building credit: Capital One Platinum Credit Card$0NoneNone
    Best for dining rewards: Capital One SavorOne Cash Rewards Credit Card$0Unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases$200 cash bonus once you spend $500 on purchases within the first three months from account opening
    Best for bad credit: Secured Mastercard® from Capital One$0NoneNone

    *$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 Secured Mastercard® from Capital One 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 Secured Mastercard® from Capital One. 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 Secured Mastercard® from Capital One, 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 CardCapital One Quicksilver Cash Rewards Credit Card
    Rewards RateNone1.5% cash back on purchases
    Annual Fee$0$0
    Sign Up BonusNone$200 cash back when you spend $500 in the first three months of account opening
    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
    ConsNo rewards programCash 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.

    Ask the Experts

    Cory and Gergely Varga

    Husband-and-wife Travel Experts Duo, You Could Travel

    Matt Woodley

    Founder of MoverFocus, MoverFocus

    R.J. Weiss

    Founder and editor of The Ways To Wealth, The Ways to Wealth

    Asdghik Melkonian

    Travel blogger and founder of The Jetsetter Diaries, The Jetsetter Diaries

    Michelle Jensen

    Founder of Travel HerStory, Travel HerStory

    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.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    Alex Gailey

    Financial Reporter

    Alex Gailey is a financial reporter at The Simple Dollar who specializes in banking, deposits, mortgages and personal finance. Her writing has been featured in Yahoo Finance, MSN, Atlanta Business Journal, Charlotte Business Journal, The Boston Globe, and elsewhere.