Capital One Credit Cards

Capital One Credit Cards

From students to CEOs, Capital One has a card for you. The Capital One® Platinum Credit Card can help you start building credit. And for business owners, consider the Capital One Spark series of cards with either cash back or miles rewards. See the best credit card offers from Capital One below.

See the best credit card offers from Capital One below.

Capital One® Venture® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • 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 unlimited 2X miles per dollar on every purchase, every day
  • New! Earn 10 miles per dollar on hotels when you pay with your Venture card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
14.49% - 24.49% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Capital One® Quicksilver® Cash Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • 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; 14.49%-24.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 15 months
Balance Transfers Intro APR
0% intro on balance transfers for 15 months
Regular APR
14.49% - 24.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Capital One® VentureOne® Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
  • New! Earn 10 miles per dollar on hotels when you pay with your VentureOne card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 12 months
Balance Transfers Intro APR
N/A
Regular APR
13.49% - 23.49% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Capital One® Platinum Credit Card

Apply Now Credit Needed
Average, Fair, Limited
  • 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
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited

Capital One® Savor® Cash Rewards Credit Card

Apply Now Credit Needed
Excellent, Good
  • 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, 2% on groceries 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; 15.99%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.99%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
Apply Now at Capital One's
secure site
Purchases Intro APR
0% intro on purchases for 15 months
Balance Transfers Intro APR
0% intro on balance transfers for 15 months
Regular APR
15.99% - 24.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apply Now Credit Needed
Average, Fair, Limited
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited

Capital One® Secured Mastercard®

Apply Now Credit Needed
Limited, Bad
  • 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
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • 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
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Limited, Bad

Capital One® Spark® Cash for Business

Apply Now Credit Needed
Excellent, Good
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.49% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Capital One® Spark® Miles for Business

Apply Now Credit Needed
Excellent, Good
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
18.49% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Credit Needed
Excellent, Good

Journey® Student Rewards from Capital One®

Apply Now Credit Needed
Average, Fair, Limited
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited

Comparing Credit Card Offers from Capital One

Imagine credit cards that are easy to use, miles that are easy to redeem and rewards that are easy to love. Capital One has all this and more. With no foreign transaction fees and generous annual fee offers, the Capital One cards allow you to explore your world in a refreshing way. We look here at what is offered and how the cards work:

  • Best Capital One credit cards of 2018
  • Details on the best cards
  • What is Capital One?
  • Capital One rewards program and best redemption options
  • Other benefits of having Capital One cards

Editor's Ratings: Best Capital One Credit Cards of 2018

Best For:Credit CardAnnual FeeCreditCards.com Rating
Hotel bookingsCapital One® Venture® Rewards Credit Card$0 first year, then $954.4 / 5
Flat-rate cash backCapital One® Quicksilver® Cash Rewards Credit Card$03.5 / 5
Travel rewardsCapital One® VentureOne® Rewards Credit Card$03.6 / 5
Fair credit applicantsCapital One® Platinum Credit Card$0N/A
Dining rewardsCapital One® Savor® Cash Rewards Credit Card$03.5 / 5
Limited credit historyCapital One® QuicksilverOne® Cash Rewards Credit Card$392.4 / 5
Building creditCapital One® Secured Mastercard®$0N/A
Cash back on business purchasesCapital One® Spark® Cash for Business$0 first year, then $954.4 / 5
Business travelCapital One® Spark® Miles for Business$0 first year, then $954.2 / 5
College studentsJourney® Student Rewards from Capital One®$02.2 / 5

Details on the best cards

Capital One's exciting lineup of credit cards includes business, cash and travel rewards, as well as vehicles for credit building. They typically have no foreign transaction fee, and you can allow an authorized user to build credit while giving a loved one access to a quality credit card. Check out these excellent cards' features.

Capital One Venture Rewards Credit Card

If you are looking for tight rewards and don't want to be tied down by a specific travel brand, this card is perfect. With an annual fee of $95 after the first year, it's still worth your while if you do a fair amount of traveling.

The sign-up bonus is 50,000 miles after a $3,000 spend within the first 3 months of card membership, and the ongoing rewards are a generous 2X miles for every dollar spent. After your first year, if you spend at least $400 a month on the card, you'll break even on the annual fee.

Highlights

  • 10X miles on hotels when booked and paid through hotels.com/venture
  • 50,000 miles sign-up, $3,000 spend in 3 months
  • 2X miles on all purchases

Also, if you are looking to spend a fair amount on hotels in the next couple of years, this card and the VentureOne Rewards card are show-stoppers.

With these cards, you can earn 10X miles for every dollar you spend when booked and paid through hotels.com/venture with your Venture or VentureOne card. This offer is good through Jan. 31, 2020.

Capital One Venture-hotel offer...

CardCapital One Venture RewardsCapital One VentureOne Rewards
Spend$500/mth$500/mth
Hotel spend$2,000/yr$2,000/yr
Sign-up bonus50,000 miles/$3,000 spend in 3 mths20,000 miles/$1,000 spend in 3 mths
Rewards2X miles/$11.25X miles/$1
Hotel rewards10X miles/$110X miles/$1
Annual fee$95 waived first yr$0
Total end of first year82,000 miles=$82047,500 miles=$475

Capital One Quicksilver Cash Rewards Credit Card

This card is for the consumer who wants the freedom of cash back and not have to worry about rotating categories. There is a sign-up bonus of $150 after a $500 spend within the first 3 months of card membership, and 1.5% back on all purchases. Unlike the QuicksilverOne, which accepts consumers with credit that's not the best, the Quicksilver has no annual fee.

Highlights

  • $150 sign-up bonus, $500 spend in first 3 months
  • Unlimited 1.5% cash back
  • 0% intro APR for 15 months, purchases & balance transfers (then 14.49% - 24.49% variable)

Capital One VentureOne Rewards Credit Card

As you can see, the VentureOne's fun rewards make it worth a look. It has a sign-up bonus of 20,000 miles after a $1,000 spend in the first 3 months, and 1.25X miles on every purchase. This card also allows you to enjoy 10X miles on every dollar spent on hotels.com/venture.

Highlights

  • 10X miles on hotels when booked and paid through hotels.com/venture
  • 20,000 miles sign-up bonus, $1,000 spend in first 3 months
  • 1.25X miles on all purchases

Capital One Platinum Credit Card

Need a leg up on your credit? Look no further. This card accepts consumers with average, fair or limited credit. While there are no rewards, there is no annual fee, unlike the QuicksilverOne, and like the QuicksilverOne, you can up your credit limit after the first 5 months of on-time payments.

Highlights

  • No annual fee
  • Higher credit limit after first 5 monthly on-time payments
  • Access to online banking

Capital One Savor Cash Rewards Credit Card

Savor the rewards on this card, with 3% back on dining, which means that $600 a month becomes $216 back at the end of your first year.

There's also 2% back on groceries, which comes to $10 a month with a $500 spend, or $120 at the end of your first year. It's 1% back on everything else. There's also a $150 sign-up bonus after a $500 spend within your first 3 months of card membership.

There's no annual fee, so your first year, your cash back would be $486. There's also a 0% intro APR for 15 months on purchases and balance transfers.

Highlights

  • $150 cash bonus, $500 spend in first 3 months
  • 3% cash back on restaurants, 2% cash back on groceries
  • 0% intro APR for 15 months, purchases & balance transfer (then 15.99% - 24.74% variable)

Capital One QuicksilverOne Cash Rewards Credit Card

This card doesn't have the sign-up bonus of the Quicksilver, but it has the same ongoing rewards, making it a compelling choice for your wallet. It also gives you access to a higher credit limit after you make your first 5 payments on time.

Highlights

  • 1.5% cash back on all purchases
  • No rotating categories
  • Good for average, fair, limited credit

Here is a comparison of the Quicksilver cards:

Compare Quicksilver cards...

CardCapital One Quicksilver Cash RewardsCapital One QuicksilverOne Cash Rewards
Sign-up bonus$150/$500 spend in 3 mthsN/A
Rewards1.5% cash back1.5% cash back
Spend$500 a mth/12 mths$500 a mth/12 mths
Annual fee$0$39
Required creditGood, excellentAverage, fair, limited
Total end of first year$150+$90=$240$90-$39=$51

Capital One Secured Mastercard

Some of us are struggling to get ahead financially, and this card can get you on your way.

The Capital One Secured Mastercard accepts consumers with bad or limited credit and is ideal for someone looking to build credit. That's because the easiest and fastest way to build credit is with a credit card. Why? Because the dominant scoring models favor responsible credit card use.

With a secured card like this one, though, you will be required to put down a refundable deposit that you will be borrowing off of for your credit limit. With this card, you get an initial credit limit of $200 after you put down a deposit of $49, $99 or $200, depending on your creditworthiness. You can build credit as you pay on time and in full each month.

Highlights

  • No annual fee
  • For limited, bad credit
  • Initial $200 credit limit (with $49, $99, or $200 security deposit, based on creditworthiness)

Capital One Spark Cash for Business

The spark that this card's 2% back offers makes it a challenge to ignore. And if you are looking for a cashback card, but want the convenience of a card that grants you employee cards at no charge, this card delivers.

There's an incredible $500 sign-up bonus after a $4,500 spend within the first 3 months of card membership and 2% back on all purchases. One plus: Your employees' spending gets you cash back on your account. There's a $95 annual fee, but it's waived the first year.

Highlights

  • $500 cash bonus, $4,500 spend in first 3 months
  • 2% cash back is unlimited
  • $95 annual fee waived first year

Capital One Spark Miles for Business

The Spark Miles for Business is similar to the Spark Cash, except you get miles instead of cash back. The Spark Miles earns you 50,000 miles after a $4,500 spend within the first 3 months of card membership and 2X miles on all spending.

The $95 annual fee is waived the first year, which means that if you spend $1,000 a month, that comes to 24,000 miles or $240 in travel, plus the $500 sign-up, bringing you to $740 your first year. Even after the first year, with that level of spending, you will be earning back more than the annual fee.

Highlights

  • One-time 50,000 miles bonus, $4,500 spend in 3 months
  • 2X miles on all spending
  • Miles don't expire

Journey Student Rewards from Capital One

We will always remember our first car, first pet and first sweetheart. What about your first credit card? With this card, you can be accepted if you have average, fair or limited credit. This is a good credit-builder card for the student, allowing you to earn 1% cash back on all purchases, giving you the opportunity to build great memories while earning rewards.

Heads up that if you are under 21, you have to have independent income to get a credit card, per the Credit CARD Act of 2009.

Highlights

  • 1% back on all purchases
  • No annual fee or foreign transaction fee
  • For average, fair, limited credit

What is Capital One?

As the 11th largest bank in America, it's little surprise the breadth of services Capital One offers.

From consumer to commercial, this bank offers a wide range of financial opportunities. Here are some of the services offered.

Consumer

  • Credit cards – from credit building to rewards and cash back
  • Banking – from checking and kids savings to CDs and IRAs
  • Auto – for new or used car loan, or refinancing
  • Invest – through Capital One Investing

Business

  • Credit cards – Spark Cash and Spark Miles
  • Banking – checking and savings
  • Borrow – includes business loans
  • Invest – includes creating 401(k) plans
  • Manage – merchant services and cash management

Commercial

  • Commercial lending – from term loans to lines of credit
  • Depository services – commercial checking, savings or CDs
  • Treasury management – digital tools and automated solutions
  • Capital markets – from foreign exchange to public finance
  • Private banking & wealth management – from asset management to trust services
  • Corporate card – The One Card from Capital One simplifies expenses, accounts payable and billing processes

Capital One rewards program and best redemption options

It's relatively easy to earn and redeem with the Capital One rewards program.

With the cashback program, you simply log in and follow the prompts to redeem. You can even set it up to automatically get your cash back. You can use your cash back for statement credits, a check, gift cards or donate to charity.

With the Capital One travel rewards program, you earn miles for all purchases and you get a sign-up bonus as well. A big advantage to the Capital One travel rewards program is that you aren't tied down by loyalty to brands, and you aren't limited to rewards for specific types of purchases. And there's no transferring points.

You can use your miles for travel in the past 90 days, book new travel through Capital One, gift cards, a check or you can transfer them to another account. One plus about Capital One Venture cards: You always get 1:1 for travel redemption of miles. Redemption even includes spending on Airbnb and Uber.

Other benefits of having Capital One cards

From no foreign transaction fee to travel accident insurance, Capital One cards offer a plethora of benefits, including travel and retail; apps and digital services; and security. Here's what this bank issuer offers:

Travel and retail

  • No foreign transaction fees – no Capital One card has a foreign transaction fee, a savings of 3%-5% per foreign transaction
  • 24-hour travel assistance – get an emergency replacement card and a cash advance
  • Auto rental collision damage waiver – an eligible vehicle is covered for damage due to theft or collision
  • Travel accident insurance – covered losses at no extra charge
  • Extended warranty – additional warranty at no extra charge

Apps and digital services

  • Mobile app – allows you to manage your account on the go
  • CreditWise – monitor your credit, even if you aren't a Capital One customer
  • Eno – allows you to keep tabs on your account with texting, checking your balance, reviewing transactions and paying your bill

Security

  • Security and account alerts – get alerts by phone, email or text
  • Fraud coverage – $0 fraud liability

In summary, here are out top picks again:

Best Capital One credit cards of 2018

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.