Best Capital One Credit Cards

Foodies should squeeze enormous value out of this card thanks to its impressive rewards rate on both dining and grocery store purchases, a rare combination for a card that carries no annual fee. Add to this a broad entertainment category that includes purchases like concert tickets, live sporting events and more and the SavorOne should be a winner for cardholders who are always out and about.

Unlike many credit-building cards, the Capital One Platinum gives you a chance to establish credit history or work on your score without charging any annual or monthly maintenance fees or forcing you to tie up hundreds of dollars in a security deposit. This lets you focus on what really matters at this stage in your credit journey: slowly, steadily building your credit with responsible use.

Top-tier travel cards usually make up for their cost with rewards or luxury perks, but annual fees always introduce some risk, especially for modest spenders and novice travelers. That’s what makes the VentureOne such a terrific option. It gives you the flexibility to earn and redeem miles at your own pace, without worrying about whether you’re using all the perks or earning enough to justify the cost.

If you’re trying to build your credit score with responsible use, this card will offer terrific flexibility at a low cost. Not only does the card carry no annual fee, but you also won’t need to tie up a ton of money in a security deposit to get started. You can put down a refundable deposit as low as $49 and still get at least a $200 starting credit limit, or deposit up to $1,000 for a higher limit if you want to make it easier to keep your credit utilization in check.

You don’t need a perfect credit score to earn cash back. Whether you have a limited credit history or a score that lands somewhere in the middle, the QuicksilverOne can help you earn a bit of money back on all your everyday purchases while you build your credit with responsible use. And since you won’t have to tie up hundreds in a security deposit, this card is an accessible starter option even if you’re strapped for cash.

If you’re a small-business owner looking for a simple, low-cost card that will help you save up miles for business travel, the Spark Miles for Business will be a great long-term option. The card offers a terrific flat rewards rate, with no need to track spending categories or weigh a long list of luxury perks against a massive annual fee. Just put most of your business spending on the card and you should have no trouble covering the relatively low fee and earning free trips.

A revamped version of the Capital One Spark Cash for Business, the new Capital One Spark Cash Plus offers business owners 5% cash back on hotels and rental cars booked through Capital One Travel, unlimited 2% cash back on all qualifying purchases and a great mix of cash back redemption options, including as a statement credit, check, gift card, and payments through Amazon.com and PayPal. Plus, you can earn a welcome bonus of up to $1,000; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Secured credit cards rarely offer the opportunity to earn cash back while skipping an annual fee, so this new Capital One credit card is a standout in the market. It features other hallmarks of a quality secured credit card, including automatic consideration for a credit limit increase after six months of demonstrated responsible use.

Students who don’t want to be preoccupied with tracking bonus categories and maximizing their spending while trying to build their credit history will see a lot of benefit from the Capital One Quicksilver Student Cash Rewards Credit Card, which offers a flat-rate unlimited 1.5% cash back on all purchases. In addition, they won’t be subject to paying an annual fee or foreign transaction fees.

College students can enjoy cash back rewards on many of their essentials with this student credit card, which offers unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) and 1% on other qualifying purchases.

Students are often both short on cash and on the hook for big expenses like gadgets and textbooks. This card can help balance things a bit since it charges no annual fee, earns rewards on all purchases and incentivizes responsible use with 25% bonus points when you pay on time.