Fair to Good

Credit Recommended (580-740)

Apply Now

Rewards Rate

1%
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

At A Glance

Intro Bonus
N/A
Annual Fee
$0
Regular APR
26.46% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

1.5%
Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business

At A Glance

Intro Bonus
$200
Annual Fee
$0
Regular APR
14.74% - 22.74% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

1.5X
Earn 1.5 miles per $1 on every purchase

At A Glance

Intro Bonus
20,000 miles
Annual Fee
$0
Regular APR
14.74% - 22.74% variable

Fair to Good

Credit Recommended (580-740)

Apply Now

Rewards Rate

1%
Earn 1% cash back on every purchase

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
24.74% variable

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

5%
5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers
3%
3% Earnings on purchases at gas stations, restaurants, and office supply stores
1%
1% Earnings on all other purchases

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
18.74% variable
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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing Capital One Credit Cards

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. You will find travel cards, cash back cards and products for the consumer just starting out, all backed by one of the nation's largest banks.

The best Capital One credit card is the Capital One Venture Rewards Credit Card. This card offers a hefty sign-up bonus of 50,000 miles for spending $3,000 in the first 3 months which is worth $500 when redeemed for travel. You'll also earn a ridiculous 10X miles per dollar on hotels purchased through hotels.com/venture, but also earn 2X miles on all other purchases. Capital One offers flexible redemption options as you can redeem your miles with any airline or hotel.

We look here at what Capital One offers and how the cards work:


Best Capital One Credit Cards

Capital One Venture Rewards Credit Card

Why it's the best Capital One credit card for travel rewards

If you are looking for tight rewards and don't want to be tied down by a specific travel brand, the Venture Rewards is perfect. As one of the best credit cards for travel rewards, it's worth your while if you do a fair amount of traveling, even with a $95 annual fee after the first year.

Pros

Through January 2020, you can benefit greatly from the Venture's relationship with hotels.com (10X miles when you book and pay at hotels.com/venture), and the 2X miles on all purchases are solid.

Cons

While the Venture Rewards card now have airline partners, the 2:1.5 transfer ratio is less than that of the Chase Sapphire Preferred Card's partners, which can be 1:1.

Capital One® Quicksilver® Cash Rewards Credit Card

Why it's the best Capital One credit card for cash back

The Capital One Quicksilver Cash Rewards Credit Card is great for consumers who want the freedom of cash back without having to worry about rotating categories.

Pros

Unlike the QuicksilverOne, which accepts consumers with lower credit, the Quicksilver has no annual fee. This card can't be beat when you are looking for a no-annual-fee card that has across-the-board boosted ongoing rewards.

Cons

If you are willing to pay an annual fee, you can get a better welcome bonus and better tiered ongoing rewards, as with the Blue Cash Preferred® Card from American Express.

Capital One® Platinum Credit Card

Why it's the best Capital One credit card for building credit

Need a leg up on your credit? Look no further. The Platinum is a great first card or a product for the consumer trying to build his or her credit.

Pros

This card accepts consumers with average, fair or limited credit. 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.

Cons

There are no ongoing rewards with this card, unlike the QuicksilverOne.

Capital One® VentureOne® Rewards Credit Card

Why it's the best Capital One credit card for hotel rewards

Like the Venture Rewards, the VentureOne partners with hotels.com through January 2020, making it the strongest among cards with no annual fee for hotels in this lineup.

Pros

The VentureOne's fun rewards make it worth a look. This is a strong choice for a first travel card with flexibility in redemptions and partnerships with more than a dozen airlines.

Cons

The ongoing rewards of 1.25X miles on all purchases could be better although there's no annual fee.

Capital One® Savor® Cash Rewards Credit Card

Why it's the best Capital One credit card for sign-up bonus

With superior ongoing rewards and a strong sign-up bonus, the Savor Cash Rewards has a lot to offer. Earn $300 cash back after a $3,000 spend within the first 3 months, making it a top cash back card for sign-up bonuses.

Pros

This card's rewards of 4% on dining and entertainment beat the previous offer of 3% on just dining, as well as the same great 2% back at grocery stores.

Cons

There's now an annual fee of $95, although it's waived the first year.

Capital One® SavorOne® Cash Rewards Credit Card

Why it's the best Capital One credit card for dining rewards

It's practically unheard of to find a cash back card that offers 3% back on dining and entertainment with an unlimited spend. If those are the types of purchases you often find yourself making, the SavorOne is a great option.

Pros

The SavorOne is an improved product when compared to the old Savor. There's a great $150 bonus after a $500 spend within the first 3 months and 2% back at grocery stores, in addition to the great dining rewards.

Cons

Although there's no annual fee, this card's sign-up bonus is in the middle of the pack when compared to other cash back cards.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Why it's the best Capital One credit card for limited credit history

QuicksilverOne is a great option for the consumer with fair credit who wants experience with earning rewards. It also gives you access to a higher credit limit after you make your first 5 payments on time.

Pros

This card has the same ongoing rewards as the Quicksilver Cash Rewards, making it a compelling choice for your wallet.

Cons

The QuicksilverOne doesn't have the sign-up bonus of the Quicksilver, and it carries an annual fee of $39, which isn't waived the first year.

Capital One® Secured Mastercard®

Why this is the best Capital One secured credit card

Some of us are struggling to get ahead financially - especially students - and this card can get you on your way, with no annual fee and the opportunity to build credit.

Pros

The Capital One Secured Mastercard accepts consumers with bad or limited credit and is ideal for someone looking to repair 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.

Cons

With a secured card like this one, you will be required to put down a refundable deposit that you will be borrowing off of for your credit limit. There are no ongoing rewards or sign-up bonus.

Capital One® Spark® Cash for Business

Why it's the best Capital One business credit card for cash back

If you are looking for a cash back business card, the Spark Cash for Business has some great features, such as the sign-up bonus. And if you want the convenience of a card that grants you employee cards at no charge, this card delivers.

Pros

The spark that this card's 2% back offers makes it a challenge to ignore. Also, rewards don't expire for the life of the account, and you can redeem for any amount.

Cons

Although it's waived the first year, there's a $95 annual fee. The sign-up bonus' required spend is also high, at $4,500 within the first 3 months for a $500 bonus.

Capital One® Spark® Miles for Business

Why it's the best Capital One business credit card for travel

The Spark Miles for Business is similar to the Spark Cash, except you get miles instead of cash back, making it a good choice for travel redemptions.

Pros

Like the Spark Cash for Business, the Spark Miles card's $95 annual fee is waived the first year, and the ongoing rewards are the same, making it a good card to have for travel.

Cons

The Spark Miles earns you 50,000 miles after a $4,500 spend within the first 3 months of card membership, making the required spend a high barrier.

Compare the best Capital One credit card offers of 2019

Capital One's exciting lineup of credit cards includes business, cash and travel rewards, as well as vehicles for credit building. Also, you can allow an authorized user to build credit while giving a loved one access to a quality credit card. Here is a comparison of the best Capital One credit cards of 2019:

Credit CardBest For…Annual FeeReview Score
Capital One® Venture® Rewards Credit CardTravel rewards$0 first year, then $954.2 / 5
Capital One® Quicksilver® Cash Rewards Credit CardCash back$03.4 / 5
Capital One® Platinum Credit CardBuilding credit$03.7 / 5
Capital One® VentureOne® Rewards Credit CardHotel rewards$03.0 / 5
Capital One® Savor® Cash Rewards Credit CardSign-up bonus$0 first year, then $954.8 / 5
Capital One® SavorOne® Cash Rewards Credit CardDining rewards$03.7 / 5
Capital One® QuicksilverOne® Cash Rewards Credit CardLimited credit history$394.1 / 5
Capital One® Secured Mastercard®Students$03.4 / 5
Capital One® Spark® Cash for BusinessCash back on business purchases$0 first year, then $954.1 / 5
Capital One® Spark® Miles for BusinessBusiness travel$0 first year, then $954.3 / 5

What is Capital One?

As the 10th 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

Which Capital One card is best for you?

Yes, other card issuers have higher end cards with lots of fancy features that you may or may not use, but a Capital One card is guaranteed to serve you well, depending on what you seek. Here is who can benefit from Capital One products:

The foodie who loves dining out

There are two cards to choose from for experiences. There's little question that the Savor Cash Rewards card's 4% back on dining out and entertainment is unbeatable, but if you want to avoid the annual fee after the first year, the SavorOne offers a superior 3% back for the same categories. That's unlimited, making this a millennial's dream.

The traveler

There are two options for the traveler, both great for domestic and international, and they are the Venture Rewards and the VentureOne Rewards. The VentureOne is best for the occasional traveler who just can't justify an annual fee, and the Venture is great for the traveler who wants to max out spending.

The seeker of convenience

Want a cash back card that you don't have to think about to get great rewards back? The Quicksilver and QuicksilverOne cards have the same across-the-board cash back offer, although the QuicksilverOne has an annual fee and no sign-up bonus in exchange for only requiring fair credit.

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

The consumer just starting out

If you have thin or fair credit, Capital One offers two cards to choose from. The Capital One Platinum is a good choice for the consumer with fair credit, while the Capital One Secured accepts consumers who have no credit history. Neither has an annual fee.

The business owner

Whether you travel often for work or you have a fair amount of business expenses, Capital One has two business cards to choose from – the Spark Cash for Business offers cash back on all purchases, and the Spark Miles for Business offers miles on all purchases. Both cards' $95 annual fee is waived the first year.

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 you can also transfer your points to a number of airline partners and travel loyalty programs.

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

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.