Updated on Jan 6, 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® Venture® Rewards Credit Card APPLY NOW
    Best for earning miles Capital One® Venture® Rewards Credit Card
    Apply Now on Capital One's secure website.
  • Capital One® Quicksilver® Cash Rewards Credit Card APPLY NOW
    Best for cash back Capital One® Quicksilver® Cash Rewards Credit Card
    Apply Now on Capital One's secure website.
  • Capital One® Spark® Cash for Business APPLY NOW
    Best for business rewards Capital One® Spark® Cash for Business
    Apply Now on Capital One's secure website.
  • Capital One® Platinum Credit Card APPLY NOW
    Best for building credit Capital One® Platinum Credit Card
    Apply Now on Capital One's secure website.
  • Capital One® SavorOne® Cash Rewards Credit Card APPLY NOW
    Best for dining rewards Capital One® SavorOne® Cash Rewards Credit Card
    Apply Now on Capital One's secure website.
  • Capital One® VentureOne® Rewards Credit Card APPLY NOW
    Best for no annual fee Capital One® VentureOne® Rewards Credit Card
    Apply Now on Capital One's secure website.
  • Capital One® Secured Mastercard® APPLY NOW
    Best for bad credit Capital One® Secured Mastercard®
    Apply Now on Capital One's secure website.
  • Capital One® Spark® Miles for Business APPLY NOW
    Best for business travelers Capital One® Spark® Miles for Business
    Apply Now on Capital One's secure website.
Apply Now on Capital One's secure website.

Best for earning miles

Capital One® Venture® Rewards Credit Card

Reward details 2x miles per dollar on every purchase.
Redeem for... Airline miles

Current Offer 50,000 bonus miles when you spend $3,000 in your first three months and up to $100 credit for Global Entry or TSA Pre✓®.
Annual Fee $0 intro for first year; $95 after that
Highlights Provided by Capital One Show Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • Issuer: Capital One
  • Rewards Details: 2 Miles per dollar on every purchase, every day. 50000 Miles once you spend $3,000 on purchases within 3 months from account opening.
  • Annual Fee: $0 intro for first year; $95 after that
  • Balance Transfer Fee: $0
  • Cash Advance APR: 24.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 17.24% - 24.49% (Variable)
  • Penalty APR: None
     
Apply Now on Capital One's secure website.

Best for cash back

Capital One® Quicksilver® Cash Rewards Credit Card

Reward details Unlimited 1.5% cash back on all purchases.
Redeem for... Cash back

Current Offer $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • Issuer: Capital One
  • Rewards Details: 1.5 % Cash Back on every purchase, every day. $150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 15 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 15 Months
  • Ongoing APR: 15.49% - 25.49% (Variable)
  • Penalty APR: None
  • Issuer: Capital One
  • Rewards Details: 1.5 % Cash Back on every purchase, every day. $150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 15 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 15 Months
  • Ongoing APR: 15.49% - 25.49% (Variable)
  • Penalty APR: None
     
Apply Now on Capital One's secure website.

Best for business rewards

Capital One® Spark® Cash for Business

Reward details Unlimited 2% cash back.
Redeem for... Cash back

Current Offer $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 cash bonus when you spend $50,000 in the first 6 months after opening your account.
Annual Fee $0 intro for first year; $95 after that
Highlights Provided by Capital One Show Highlights
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • Issuer: Capital One
  • Rewards Details: 2 % Cash Back for your business on every purchase, everywhere. $2000 Cash Back Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.
  • Current Offer: $100 after spending $1,000 in the first 3 months
  • Annual Fee: $0 intro for first year; $95 after that
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 24.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 18.49% (Variable)
  • Penalty APR: 30.90% (Variable)
     
Apply Now on Capital One's secure website.

Best for no annual fee

Capital One® VentureOne® Rewards Credit Card

Reward details 1.25x miles on every purchase and 0% interest in your first year.
Redeem for... Airline miles

Current Offer A bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that
  • Issuer: Capital One
  • Rewards Details: 1.25 Miles per dollar on every purchase, every day. 20000 Miles once you spend $1,000 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: $0
  • Cash Advance APR: 23.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 12 Months
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 13.49% - 23.49% (Variable)
  • Penalty APR: None
   
Apply Now on Capital One's secure website.

Best for building credit

Capital One® Platinum Credit Card

Reward details Get access to a higher credit line after making your first 5 monthly payments on time.
Redeem for... N/A

Current Offer N/A
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  • Issuer: Capital One
  • Annual Fee: $0
  • Balance Transfer Fee: $0
  • Cash Advance APR: 26.74% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 26.74% (Variable)
  • Penalty APR: None
 
Apply Now on Capital One's secure website.

Best for dining rewards

Capital One® SavorOne® Cash Rewards Credit Card

Reward details 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% on all other purchases.
Redeem for... Cash back

Current Offer $150 cash back after you spend $500 on purchases in the first three months.
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • Issuer: Capital One
  • Rewards Details: 3 % Cash Back on dining. 3 % Cash Back on entertainment. 2 % Cash Back at grocery stores. 1 % Cash Back on all other purchases. $150 Cash Back after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: 0% intro on purchases
  • Introductory APR Period: For 15 Months
  • Introductory Balance Transfer APR: 0% intro on balance transfers
  • Introductory Balance Transfer Period: For 15 Months
  • Ongoing APR: 15.49% - 25.49% (Variable)
  • Penalty APR: None
 
Apply Now on Capital One's secure website.

Best for bad credit

Capital One® Secured Mastercard®

Reward details Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed.
Redeem for... N/A

Current Offer N/A
Annual Fee $0
Highlights Provided by Capital One Show Highlights
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
  • Issuer: Capital One
  • Annual Fee: $0
  • Balance Transfer Fee: $0
  • Cash Advance APR: 26.74% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 26.74% (Variable)
  • Penalty APR: None
 
Apply Now on Capital One's secure website.

Best for business rewards

Capital One® Spark® Cash for Business

Reward details Unlimited 2x miles for every purchase and 5x miles on hotel and rental car bookings through Capital One’s travel portal.
Redeem for... Airline Miles

Current Offer 50,000 bonus miles when you spend $5,000 in the first 3months and 150,000 bonus miles when you spend $50,000 in the first 6 months after opening your account.
Annual Fee $0 intro for first year; $95 after that
Highlights Provided by Capital One Show Highlights
  • Limited Time Offer: Earn up to $2,000 in cash bonuses
  • Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
  • Issuer: Capital One
  • Rewards Details: 2 % Cash Back for your business on every purchase, everywhere. $2000 Cash Back Earn up to $2,000: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and $1,500 when you spend $50,000 in the first 6 months of opening your account. Limited Time Offer.
  • Current Offer: $100 after spending $1,000 in the first 3 months
  • Annual Fee: $0 intro for first year; $95 after that
  • Balance Transfer Fee: N/A
  • Cash Advance APR: 24.49% (Variable)
  • Foreign Transaction Fee: None
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 18.49% (Variable)
  • Penalty APR: 30.90% (Variable)
   

Our two cents

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 an average credit score. 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

Pro tip: With the Capital One® Quicksilver® Cash Rewards Credit Card, you can gain access to a higher credit line after you pay your first five bills on time. You’ll also have unlimited access to your credit score.

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 double 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

Pro tip: Keep the 5/24 Chase rule in mind. If you’ve opened five or more credit cards from any bank in the past 24 months, you likely won’t be approved for this card and it could potentially impact your credit score.

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 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

Pro tip: The Capital One® Spark® Cash for Business allows you to request employee credit cards at no charge.

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.

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 business rewards: Capital One® Spark® Cash for Business $95* Unlimited 2% cash back $500 bonus if you spend at least $5,000 within 3 months of your rewards membership enrollment date and an additional $1,500 bonus if you spend at least $50,000 within 6 months of your rewards membership enrollment date. These spend bonuses may be earned independently, meaning you may earn one or both.
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
Best for business travelers: Capital One® Spark® Miles for Business $95* Unlimited 2x miles per dollar on every purchase 50,000 bonus miles when you spend $5,000 in the first 3 months and earn 150,000 bonus miles when you spend $50,000 in the first 6 months of your account opening

*$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.
  5. 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. Additionally, the required $95 annual fee for each card is waived during the first year.

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