Friday, May 27th, 2022

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 fall into, there’s probably a Capital One credit card for you. See our selection of the best Capital One credit cards below.

Capital One credit cards address all types of people and their financial situations: those with exceptional credit, travelers, reward maximizers, and consumers hoping to build credit. As one of the nation’s largest banks, Capital One has a wide range of credit cards offering business rewards, cashback, and travel, 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 high spenders.”

With several credit cards that offer world-class rewards, no annual fees, and more, Capital One offers several options for those looking to get a new credit card. We dive into the following list of the best Capital One credit cards and how they 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 travel.

How to use it: There are two great benefits with the Capital One Venture Rewards Credit Card: Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months of account opening, which equals $600 travel dollars.

Why you’ll love it: When you travel, 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 travel partners, plus receive up to $100 Global Entry or TSA Pre credit when you use this credit card.

Things to keep in mind:

  • $95 annual fee
  • Lower trade-in value for cashback
  • Requires excellent credit

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 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: Cash rewards are limitless with the Capital One Quicksilver Cash Rewards Credit Card. The more you spend, the more money you get back (or you have the option to redeem it with a statement credit or gift card).

Why You’ll Love It: There are no rotating bonus tiers or annual fees to worry about, so you’ll earn 1.5% cashback no matter how you use your Capital One Quicksilver Cash Rewards credit card.

Things to keep in mind:

  • Other cards have longer 0% APR introductory periods
  • No bonus options per category
  • Requires good to excellent credit

Best for Business Rewards: Capital One Spark Cash for Business

Capital One Spark Cash Plus

Who Should Get It: If you’re a business owner looking for a cash-back business card and value convenience, the Capital One Spark Cash for Business will meet your needs.

How to use it: Capital One Spark Cash for Business allows you to earn unlimited 2% cashback with no rotating bonus tiers and no annual fee for the first year. If your application is approved, the minimum line of credit you can receive is $2,000.

Why you’ll love it: The unlimited 2X cashback you could take home with the Capital One Spark Cash for Business makes it a staple card for business owners. With this credit card, rewards don’t expire as long as the account is open, and there’s no limit to the amount of money you can receive.

Things to keep in mind:

  • $0 annual fee the first year, $95 thereafter
  • A high spend is required to get the sign-up bonus
  • High APR penalty

Note: Capital One Spark Cash for Business is not currently available through our site.

Best for No Annual Fee: Capital One Venture One 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 book travel through any of the airlines or hotels Capital One Associates.

How to use it: If you use the Capital One VentureOne Rewards Credit Card, you’ll earn unlimited 1.25x miles on every purchase. There’s flexibility in how you redeem your rewards, but you’ll get the most value from your earned miles by transferring 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 earn unlimited miles that you can use to travel more often. An added bonus is that the rewards do not expire.

Things to keep in mind:

  • Late payment fee up to $40
  • Lower reward value with cashback redemption
  • A potentially high APR after the introductory period

Best for Building Credit: Capital One Platinum Credit Card

Who Should Get It: The Capital One Platinum Credit Card is an attractive option for people with average credit looking to build credit or increase their credit limit.

How to use it: The biggest feature of the Capital One Platinum Credit Card is that you’ll be automatically considered for a higher line of credit in as little as 6 months. Accessing a higher line of credit could be beneficial, as 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 chance to build responsible credit card habits, and you’re rewarded for it by getting access to a higher line of credit after a few months. Plus, you have the option to monitor your credit profile with Capital One tools.

Things to keep in mind:

  • High APR
  • no rewards
  • There is no sign-up bonus

Pro tip: If your Capital One Platinum credit card is ever stolen, you won’t be responsible for charges under fraud coverage.

Best for Eating 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 about paying 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 when you dine at restaurants, spend money on entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®). You’ll earn unlimited 3% back at restaurants, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cashback on tickets at Vivid Seats through January 2023.

Why You’ll Love It: If you regularly spend at restaurants, groceries (excluding superstores like Walmart® and Target®), entertainment, and popular streaming services, you won’t find a more ideal card with a $0 annual fee. The Capital One SavorOne Cash Rewards credit card not only offers exceptional rewards in the most popular spending categories but also offers a solid $200 cashback sign-up bonus after you spend $500 in purchases (within the first three months of account opening).

Things to keep in mind:

  • A potentially high APR after the introductory period
  • Limited to specific spending categories
  • Lower reward rate than other credit cards

Pro Tip: You don’t 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 Platinum Secured Credit Card

Who Should Get It: The Capital One Platinum Secured Credit Card could be a helpful tool if you have bad credit or are a first-time cardholder.

How to use it: With the Capital One Platinum Secured Credit Card you can be automatically considered for a higher line of credit in as little as 6 months with no additional deposit required. In addition, you can choose the due date of your monthly payment. Use the added benefit of a personalized payment date to pay your bills in full and avoid the card’s high APR.

Why You’ll Love It: What the Capital One Platinum Secured Credit Card lacks in rewards, it makes up for as an everyday reliable credit card for consumers trying to build credit.

Things to keep in mind:

  • No refund of money, miles, or points
  • No balance transfer or purchase APR
  • High APR

Pro tip: With the Capital One Platinum Secured credit card, you may only have to deposit the minimum required security.

Best for Business Travelers: Capital One Spark Miles for Business

Who Should Get It: If you’re a businessperson whose spending doesn’t fit into specific categories and you want a simple travel card, it’s hard to beat the earning potential of Capital One Spark Miles for Business.

How to use it: To earn 2x miles with Capital One Spark Miles for Business, use it on every purchase as there are no category limits or restrictions. You can also earn 5x miles on hotel and car rental bookings through the Capital One travel portal.

Why You’ll Like It: The Capital One Spark Miles for Business Card is a great option if you want to rack up your travel rewards, but your business expenses don’t always involve travel. Instead of offering a higher reward rate on travel-related purchases and a lower rate on everything else, this card rewards you for spending on anything.

Things to keep in mind:

  • No APR introduction period
  • $95 annual fee after the first year
  • High APR

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