Best Capital One Credit Cards (2023)
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
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 offerings.
Overview of Personal Capital One Credit Cards
Card | Welcome Bonus | Annual Fee |
---|---|---|
Capital One Venture X Rewards Credit Card | Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening | $395 |
Capital One Venture Rewards Credit Card | Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | $95 |
Capital One Quicksilver Cash Rewards Credit Card | One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | $0 |
Capital One QuicksilverOne Cash Rewards Credit Card | N/A | $39 |
Capital One Savor Rewards Credit Card | Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. | $95 |
Capital One SavorOne Cash Rewards Credit Card | $200 Cash Back after you spend $500 on purchases within 3 months from account opening | $0 |
Capital One VentureOne Rewards Credit Card | 20,000 Miles once you spend $500 on purchases within 3 months from account opening | $0 |
Capital One VentureOne Rewards for Good Credit | None | $0 |
Capital One Quicksilver Cash Rewards for Good Credit | None | $0 |
Capital One SavorOne Cash Rewards for Good Credit | None | $0 |
Capital One Platinum Credit Card | None | $0 |
Capital One Quicksilver Secured Cash Rewards Credit Card | None | $0 |
Capital One Platinum Secured Credit Card | None | $0 |
Capital One SavorOne Student Cash Rewards Credit Card | Earn $50 Cash Back when you spend $100 in the first three months | $0 |
Capital One Quicksilver Student Cash Rewards Credit Card | Earn $50 Cash Back when you spend $100 in the first three months | $0 |
Key Rewards Visa | Get 10% back in rewards (double the usual rate) for the first 30 days the account is open | $0 |
Cabela’s CLUB® Card | Get $20 in Club points upon approval; $10 after 2 Bass Pro Shops or Cabela's purchases, and $10 after five purchases everywhere else Mastercard is accepted | $0 |
BJ’s One™ Mastercard® | None | $0; but you must be a BJ's member |
BJ’s One+™ Mastercard® | None | $0; but you must be a BJ's member |
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 Capital One offers excellent cards for just about every credit score range.
Capital One Venture X Rewards Credit Card
Best for travel rewards

Rewards:
Welcome Bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Intro APR: None
Annual Fee: $395
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2022 | Experian | ||
Approved | 02/01/2022 | TransUnion | ||
Approved | 02/01/2022 | Equifax | ||
Approved | 02/28/2022 | Experian | ||
Approved | 04/13/2022 | Equifax | ||
Approved | 10/19/2023 | Not Provided | ||
Approved | 12/16/2021 | Experian | ||
Approved | 01/26/2022 | Experian | ||
Approved | 01/26/2022 | TransUnion | ||
Approved | 01/26/2022 | Equifax |
Capital One Venture Rewards Credit Card
Best for casual travelers

Rewards:
Welcome Bonus: Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Intro APR: None
Annual Fee: $95
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/17/2021 | Experian | ||
Approved | 08/30/2021 | Equifax | ||
Approved | 07/11/2023 | Experian | ||
Approved | 10/25/2021 | Experian | ||
Approved | 10/25/2021 | Equifax | ||
Approved | 10/25/2021 | TransUnion |
Capital One Quicksilver Cash Rewards Credit Card
Best for big purchases

Rewards:
Welcome Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/08/2021 | Equifax | ||
Approved | 07/08/2021 | Experian | ||
Approved | 07/08/2021 | TransUnion | ||
Approved | 10/05/2021 | Not Provided | ||
Approved | 07/01/2021 | Experian | ||
Approved | 06/01/2021 | TransUnion | ||
Approved | 06/01/2021 | Equifax | ||
Approved | 10/05/2021 | TransUnion | ||
Denied | 06/30/2023 | Not Provided |
Capital One QuicksilverOne Cash Rewards Credit Card
Best for straightforward cash back rewards

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $39
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/01/2023 | Not Provided | ||
Approved | 02/04/2022 | Not Provided |
Capital One Savor Rewards Credit Card
Best for elevated rewards on everyday purchases

Rewards:
Welcome Bonus: Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Intro APR: None
Annual Fee: $95
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 09/22/2022 | TransUnion | ||
Approved | 07/01/2021 | Not Provided | ||
Denied | 04/01/2020 | Experian | ||
Denied | 08/20/2022 | Not Provided |
Capital One SavorOne Cash Rewards Credit Card
Best for Introductory rate + rewards

Rewards:
Welcome Bonus: $200 Cash Back after you spend $500 on purchases within 3 months from account opening
Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 02/01/2023 | Experian | ||
Approved | 02/01/2023 | TransUnion | ||
Approved | 05/11/2023 | Not Provided | ||
Approved | 06/08/2023 | Not Provided | ||
Approved | 07/26/2023 | Experian | ||
Approved | 09/08/2023 | Experian | ||
Approved | 09/08/2023 | Equifax | ||
Approved | 08/22/2023 | Experian | ||
Approved | 08/22/2023 | Equifax | ||
Approved | 08/22/2023 | TransUnion | ||
Approved | 02/10/2023 | Not Provided | ||
Approved | 02/12/2023 | TransUnion |
Capital One VentureOne Rewards Credit Card
Best for an entry-level travel card for excellent credit

Rewards:
Welcome Bonus: Get 20,000 Miles once you spend $500 on purchases within 3 months from account opening
Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months.
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/29/2021 | Equifax | ||
Approved | 10/29/2021 | Experian | ||
Approved | 10/29/2021 | TransUnion | ||
Approved | 07/28/2022 | Experian |
Capital One VentureOne Rewards for Good Credit
Best entry-level travel card for good credit

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Capital One Quicksilver Cash Rewards for Good Credit
Best for simple cash back

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/16/2022 | Not Provided | ||
Approved | 08/30/2022 | TransUnion | ||
Approved | 08/30/2022 | Experian | ||
Approved | 08/30/2022 | Equifax | ||
Approved | 09/01/2022 | Not Provided | ||
Approved | 06/19/2023 | TransUnion | ||
Approved | 06/19/2023 | Experian | ||
Approved | 06/19/2023 | Equifax |
Capital One SavorOne Cash Rewards for Good Credit
Best for everyday cash back rewards for good credit

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/12/2023 | Not Provided | ||
Approved | 09/26/2023 | Experian | ||
Denied | 05/06/2023 | Not Provided |
Capital One Platinum Credit Card
Best for fair credit

Rewards: None
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/10/2022 | Experian | ||
Approved | 06/12/2021 | TransUnion | ||
Approved | 04/06/2021 | Experian | ||
Approved | 04/27/2022 | Not Provided | ||
Approved | 09/11/2021 | Experian | ||
Approved | 09/11/2021 | Equifax | ||
Approved | 09/11/2021 | TransUnion |
Capital One Quicksilver Secured Cash Rewards Credit Card
Best for a secured card with rewards

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Capital One Platinum Secured Credit Card
Best for poor credit

Rewards: None
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/11/2022 | Experian |
Capital One SavorOne Student Cash Rewards Credit Card
Best student card for cash back

Rewards:
Welcome Bonus: Earn $50 Cash Back when you spend $100 in the first three months
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 09/22/2021 | Experian | ||
Denied | 03/06/2021 | Not Provided |
Capital One Quicksilver Student Cash Rewards Credit Card
Best student card for simple cash back

Rewards:
Welcome Bonus: Earn $50 Cash Back when you spend $100 in the first three months
Intro APR: None
Annual Fee: $0
Key Rewards Visa
Best for shopping at Pottery Barn and other associated brands

Rewards:
Welcome Bonus: Get 10% back in rewards (double the usual rate) for the first 30 days the account is open
Intro APR: None
Annual Fee: $0
Cabela’s CLUB® Card
Best for shopping at Cabela's and Bass Pro Shops

Rewards:
Welcome Bonus: Get $20 in Club points upon approval; $10 after 2 Bass Pro Shops or Cabela's purchases, and $10 after five purchases everywhere else Mastercard is accepted
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Denied | 10/07/2019 | Not Provided |
BJ’s One™ Mastercard®
Best for occasional shopping at BJs

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/28/2023 | Equifax |
BJ’s One+™ Mastercard®
Best for BJs enthusiasts

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
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.
Card | Welcome Bonus | Annual Fee |
---|---|---|
Capital One Spark Miles for Business | Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening | $0 intro for first year; $95 after that, waived for the first year |
Capital One Spark Cash Select for Excellent Credit | $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening | $0 |
Capital One Spark Cash Plus | $1,200 Cash Back once you spend $30,000 in the first 3 months | $150 |
Capital One Spark Cash Select for Good Credit | N/A | $0 |
Capital One Spark Classic for Business | None | $0 |
Capital One Spark Miles Select for Business | Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening. | $0 |
CLUB Business Mastercard® | Earn $75 in Club points when you spend $1,000 on your Club Business card within the first 60 days of account approval. | $0 |
Capital One Spark Miles for Business
Best for elevated rewards on all purchases

Rewards:
Welcome Bonus: Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
Intro APR: None
Annual fee: $0 intro for first year; $95 after that, waived for the first year
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 11/19/2019 | Experian | ||
Approved | 11/19/2019 | TransUnion | ||
Approved | 11/19/2019 | Equifax |
Capital One Spark Cash Select for Excellent Credit
Best for cash back with no annual fee

Rewards:
Welcome Bonus: $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/23/2021 | TransUnion | ||
Approved | 07/22/2022 | Not Provided | ||
Approved | 12/23/2021 | Equifax | ||
Approved | 12/23/2021 | Experian | ||
Denied | 07/16/2022 | Equifax |
Capital One Spark Cash Plus
Best charge card with elevated cash back on all purchases

Rewards:
Welcome Bonus: $1,200 Cash Back once you spend $30,000 in the first 3 months
Intro APR: None
Annual Fee: $150
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Denied | 10/08/2021 | Equifax |
Capital One Spark Cash Select for Good Credit
Best starter business card for good credit

Rewards:
Welcome Bonus: N/A
Intro APR: Get 0% APR on purchases for 12 months
Annual Fee: $0
Capital One Spark Classic for Business
Best business card for fair credit

Rewards:
Welcome Bonus: None
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/21/2022 | Experian | ||
Approved | 02/14/2020 | Equifax | ||
Approved | 02/14/2020 | TransUnion | ||
Approved | 02/14/2020 | Experian | ||
Approved | 12/21/2022 | TransUnion | ||
Approved | 12/21/2022 | Equifax |
Capital One Spark Miles Select for Business
Best for business travel rewards with no annual fee

Rewards:
Welcome Bonus: Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
Intro APR: None
Annual Fee: $0
Approval Odds
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/23/2021 | Equifax | ||
Approved | 12/23/2021 | TransUnion | ||
Approved | 12/23/2021 | Experian |
CLUB Business Mastercard®
Best for outdoor-oriented businesses

Rewards:
Welcome Bonus: Earn $75 in Club points when you spend $1,000 on your Club Business card within the first 60 days of account approval.
Intro APR: None
Annual Fee: $0
Final Thoughts
So which Capital One credit card is best for you? If you have excellent credit, Capital One Venture X Rewards Credit Card is the most rewarding travel card. If you want to focus on cash back, consider the Capital One Quicksilver Cash Rewards Credit Card card. For limited or bad credit, the Capital One Platinum Credit Card is among the best. Consider your finances, what you spend money on, and your financial goals, and then apply for the Capital One card that's the best fit for you.