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
- 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: Earn 10,000 bonus miles every account anniversary (worth $100 in travel)
- Rewards: Earn up to 10x points per $1 charged to the card
- 10x miles on rental cars and hotels booked through Capital One Travel
- 5x miles on flights booked through Capital One travel
- 2x miles on all other purchases
- Travel Credits: Get $300 in annual travel credits
- 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.
- Rewards: Earn 2X miles on every purchase
- Credits: Receive up to $100 credit for Global Entry or TSA PreCheck
- Miles aren’t specific to any airline or hotel, so they can be used anywhere
- Travel when you want with no blackout dates
- Miles won’t expire for the life of the account
- No foreign transaction fees
- Transfer miles to more than 10 travel programs.
- $95 annual fee
Pros & Cons
What we like
- Signup bonus
- Ongoing rewards
- Travel perks
What could be better
- Excellent credit required
- Miles must be redeemed for travel for maximum value
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
- Cash Back: Earn 1.5% cash back on every purchase
- Get automatically considered for a higher credit line in as little as 6 months
- Free credit monitoring with the CreditWise® app
- $0 fraud liability if your card is ever lost or stolen
- Get customized alerts and manage your account with the Capital One mobile app
- $39 annual fee
Pros & Cons
What we like
- Offers 1.5% cash back
- Low credit score requirement
- $0 foreign transaction fees
- Can help build credit
What could be better
- High APR
- $39 annual fee
- No signup bonus
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
- Signup Bonus: $200 cash back after you spend $500 on purchases within 3 months from account opening
- Cash Back: Unlimited 1.5% cash back on every purchase
- Intro APR: 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No annual fee
- No foreign transaction fees
Pros & Cons
What we like
- 1.5% cash back on purchases
- Solid signup bonus
- No annual fee
- No foreign transaction fees
- Access to your credit score
- 0% intro APR on purchases and balance transfers
What could be better
- No purchase categories with higher rewards rate
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
- Excellent signup bonus
- Excellent cash back on dining, entertainment and groceries
What could be better
- Charges an annual fee
- Requires excellent credit
- Cash back on everyday purchases could be better
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
- Earn $200 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®)
- 1% on all other purchases
- 0% intro APR on purchases and balance transfers for 15 months; 15.24% - 25.24% variable APR after that
- No foreign transaction fee
- No annual fee
Pros & Cons
What we like
- Earn 3% on dining and entertainment purchases
- Earn $200 cash back Welcome Bonus
- No annual fee
- 0% APR for the first 15 months
- No foreign transaction fees
What could be better
- High APR after the first 15 months passes
- 3% on balance transfers during the intro APR
- Requires excellent credit
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
- Signup Bonus: Earn 20,000 bonus miles once you spend $500 on purchases within 3 months from account opening.
- 5x Rewards: Earn 5x miles on hotels and car rentals booked through Capital One Travel.
- 1.25x Rewards: Earn 1.25X miles on all other purchases
- New: 0% APR on purchases and balance transfers for 15 months (3% transfer fee), then 15.24% - 25.24% variable APR applies.
- Transfers: You can transfer miles to more than 15 loyalty programs.
- No blackout dates
- No foreign transaction fees
- Miles won’t expire for the life of the account
- No Annual fee
Pros & Cons
What we like
- No annual fee
- Sign-up bonus
- 0% Intro APR on purchases and balance transfers
- No foreign transaction fee
What could be better
- High regular APR
- Low rewards rate
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
- Ideal for those with fair credit
- Reports payments to all 3 credit bureaus
- No annual fee
- Pick your monthly due date
What could be better
- No cash back or other rewards
- No introductory 0% APR
Capital One Platinum Secured
Capital One Platinum Secured
- Annual Fee: $0
- Regular APR: 26.99% (as of June 7, 2021)
- 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
- No annual fee
- Security deposit as low as $49
- Reports to all 3 credit bureaus
- Free access to your credit score with CreditWise
What could be better
- Starting credit limit just $200
- No signup bonus or rewards
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
- Rewards: Earn 1% cash back on all your purchases.
- Bonus: Pay on time to boost your cash back to a total of 1.25% for that month
- No annual fee
- No foreign transaction fees
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app
- $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
Pros & Cons
What we like
- No annual fee
- Requires good/average credit
- Non-students can apply
- Earns extra 0.25% each month when bill is paid on time
What could be better
- High APR
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
- $0 Intro annual fee for the first 12 months of account opening
- High reward earnings
- Miles can be transferred to travel partners
- No earning cap
- Sign-up bonus
- Earn 2x rewards on every purchase made
What could be better
- $95 annual fee (after 12 months)
- High APR
- Requires excellent credit score
Capital One Spark Cash for Business
Capital One Spark Cash for Business
- 2% Cash Back: Earn 2% cash back on all purchases. This is one of the few credit cards offering 2% in rewards
- Welcome Bonus: Earn $500 cash bonus after spending $4,500 on purchases within the first 3 months
- $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
Pros & Cons
What we like
- 2% cash back on every purchase
- Excellent signup bonus
- Employee at no additional cost
What could be better
- $95 annual fee after the first year
Capital One Spark Cash Select – $500 Cash Bonus
Capital One Spark Cash Select - $500 Cash Bonus
- Welcome Bonus: Earn $500 cash back after spending $4,500 within your first 3 months.
- Earning unlimited 1.5% cash back
- No annual fee
- 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
Pros & Cons
What we like
- No annual fee
- Cash bonus
- 1.5% cash back
- No foreign transaction fee
- Low APR
What could be better
- Requires excellent credit
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.
