Capital one credit cards span a wide range of rewards and credit levels, most with low fees and excellent reward rates. The best Capital One cards include both personal and business card offers.
Personal Capital Credit Cards
- Capital One Personal Credit Cards
- Capital One Venture X Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One Savor Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
- Capital One Platinum Credit Card
- Capital One Platinum Secured Credit Card
- Journey Student Rewards from Capital One
- Capital One Business Credit Cards
Capital One Personal Credit Cards
I've carried several Capital one credit cards. My personal favorite is the Capital One Venture Rewards Credit Card, but CapOne offers excellent cards for just about every credit score range.
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- Signup Bonus: Earn 75,000 bonus miles after spending $4,000 on the card in the first 3 months (worth $750 in travel)
- Annual Bonus: Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Rewards:
- 2 Miles per dollar on every purchase, every day.
- 10 Miles on hotels and rental cars booked through Capital One Travel.
- 5 Miles on flights booked through Capital One Travel.
- Travel Credits: Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
- Lounge Access: Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck(R)
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
- Annual Fee: $$395
Pros & Cons
What we like
- Up to 10x miles on purchases
- Up to $300 annual credit on bookings through Capital One Travel
- 10,000 bonus miles every account anniversary
- Lounge access at select airport locations
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
What could be better
- Requires excellent credit score
- $$395 annual fee
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
- One-time Bonus: Earn -75,000 bonus miles after spending $4,000 within your first 3 months.
- 2 Miles per dollar on every purchase, every day.
- 5 Miles on hotels and rental cars booked through Capital One Travel.
- Credits: Receive up to a $100 credit for Global Entry or TSA PreCheck(R)
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- No foreign transaction fees
- Transfer your miles to your choice of 15+ travel loyalty programs
- $$95 annual fee
Pros & Cons
What we like
What could be better
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Pros & Cons
What we like
What could be better
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Pros & Cons
What we like
What could be better
Capital One Savor Rewards Credit Card
Capital One Savor Rewards Credit Card
- Early Spend Bonus: Earn $300 cash bonus after you spend $3,000 on purchases within the first 3 months
- 4% Cash Back: Earn 4% cash back on dining and entertainment
- 3% Cash Back: Earn 3% on groceries
- 1% Cash Back: Earn 1% on all other purchases
- $$95
- No foreign transaction fees
Pros & Cons
What we like
What could be better
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
- Earn $$200 Cash Back cash back after you spend $500 on purchases within the first 3 months from account opening
- 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- 1% on all other purchases
- 0% intro APR on purchases and balance transfers for 15 months months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Pros & Cons
What we like
What could be better
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
- Signup Bonus: Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel.
- 5x Rewards: Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
- 1.25x Rewards: Earn unlimited 1.25X miles on every purchase, every day.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months months; 19.74% - 29.74% variable APR after that; 3% fee on the amounts transferred within the first 18 months.
- Transfers: Transfer your miles to your choice of 15+ travel loyalty programs.
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel.
- 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.
- No Annual fee
Pros & Cons
What we like
What could be better
Capital One Platinum Credit Card
Capital One Platinum Credit Card
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage
- Use online banking to access your account, even from your smartphone
- 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
- Annual fee: $$0
Pros & Cons
What we like
What could be better
Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card
- Annual Fee: $$0
- Regular APR: 29.99%
- Security Deposit: $49, $99 or $200, based on credit worthiness
- Starting Credit Limit: $200 and automatically considered for a higher credit line in as little as 6 months.
- Credit Reporting: Payments reported to all 3 major credit bureaus
Pros & Cons
What we like
What could be better
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
- 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.
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply.
- Enjoy no annual fee.
- No foreign transaction fees.
- You can help build your credit with responsible use of a card like this.
- Set up Autopay for your account and your payments will be made automatically every month.
- Pick the monthly due date that works best for you.
- Be automatically considered for a higher credit line in as little as 6 months.
- $0 fraud liability if your card is ever lost or stolen.
Pros & Cons
What we like
What could be better
Capital One Business Credit Cards
I've carried a Capital One Spark business card for years. It keeps my business expenses separate from my personal expenses, and it offers great rewards.
Capital One Spark Miles for Business
Capital One Spark Miles for Business
- Welcome Bonus: Earn -50,000 bonus miles after spending $4,500 on purchases within the first 3 months of account opening.
- Earn 2 miles per $1 on every purchase
- $0 intro annual fee for the first year; $95 after that
- Transfer your miles to over 15 leading travel loyalty programs
- There's no limit to the number of miles you can earn
- Redeem miles for travel, cash back, gift cards and more
- Get one statement credit for either the $85 TSA PreCheck application fee or the $100 Global Entry application fee
- No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Pros & Cons
What we like
What could be better
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
- Welcome Bonus: Earn $500 cash back after spending $4,500 within your first 3 months.
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere – with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- No annual fee
- Rewards won't expire for the life of the account, and you can redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
Pros & Cons
What we like
What could be better
What is the best Capital One Credit Card?
For those with excellent credit, the Venture X is the most rewarding travel card, while Quicksilver takes the honors for cash back. For this with limited or bad credit, the Capital One Platinum is among the best.
