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Best Capital One Credit Cards

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by Sean Bryant | Updated Jun. 13, 2017
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Overview

Capital One is one of the largest issuers of credit cards in the United States. No matter if you are looking for a card that offers cash back or travel rewards, Capital One has something that will fit your needs. For a long time Capital One has been known for their “Hassle Free” rewards, but they’re so much more than that. They offer cards with no foreign transaction fees, cards with no annual fees, cards for people with bad credit, and cards for small business owners. No matter what your situation, Capital One has a card for your wallet. We have taken the time to dive into each card and have come up with the best Capital One card based on different criteria. See More


Best Capital One Credit Card for Travel

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  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of approval, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that

Annual Fee

$0 first year, $59 thereafter

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

13.74%-23.74% Variable

Benefits

If you like using your credit cards to earn travel rewards, then you have a lot of options available. Some cards allow you to earn rewards toward a specific hotel or airline, and other cards earn rewards that can be used toward any travel expense. One card that has flexible redemption options is Capital One® Venture® Rewards Credit Card.

When you sign up for Capital One® Venture® Rewards Credit Card, you will earn 40,000 miles after spending $3,000 in the first 3 months. You will then earn 2x points on every purchase that you make.

When it comes time to redeem your miles, every 100 miles is worth a $1 statement credit on any travel expense. This includes airfare, hotels, car rentals, cruises and much more. Plus, your rewards will never expire as long as your account stays active.

Things to Consider

If you are planning to make a large purchase in the near future, you should be aware that there isn’t an introductory APR on purchases or balance transfers. Instead, your Capital One® Venture® Rewards Credit Card will have an APR of 13.74%-23.74% Variable. The card will also come with no annual fee the first year, and $59 each year after.

Our Verdict

If you are looking for a travel reward credit card that offers flexible redemptions, then Capital One® Venture® Rewards Credit Card is a great choice. Not only will you earn double miles on every purchase, but because it’s a Visa, you will receive Visa Signature.

Best Capital One Credit Card for Cash Back

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  • One-time $100 cash bonus after you spend $500 on purchases within 3 months of approval
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Annual Fee

$0

Purchase Intro APR

0% APR for 9 Months

Balance Transfer Intro APR

0% APR for 9 Months

Regular APR

13.74%-23.74% Variable

Benefits

There was a time when earning a flat 1% cash back on a credit card was normal. Things have changed and Capital One® Quicksilver® Cash Rewards Credit Card is near the front of the pack. Once you are approved for this card, you will receive a $100 bonus after spending $500 in the first 3 months.

Then each time you make a purchase you will earn 1% cash back. There is no limit to the amount of cash back you can receive. Plus, your rewards will never expire and they can be redeemed at any time, for any amount. That means you don’t need to wait until you get to a specific level before redeeming.

Things to Consider

Capital One® Quicksilver® Cash Rewards Credit Card comes with an introductory 0% APR for the first 9 months on both purchases and balance transfers. This will give you a little additional time to pay off any upcoming purchases that you might want to make. Once the introductory period is over the APR will change to 13.74%-23.74% Variable. There is also no annual fee on this card and no foreign transaction fees. That means you can feel confident using your card when traveling outside the United States.

Verdict

If you are looking for a straightforward cash back card, then Capital One® Quicksilver® Cash Rewards Credit Card is the perfect choice. You will earn generous rewards on every purchase, plus you won’t need to keep track of any bonus categories.

Best Capital One Credit Card for Cash Back with Average Credit

More Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Annual Fee

$39

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

24.99% Variable

Benefits

If you have less than perfect credit, it’s difficult to find a good rewards credit card. Most will have very mediocre earnings potential. However, that’s not the case with Capital One® QuicksilverOne® Cash Rewards Credit Card.

With this card you will earn 1.5% cash back on every purchase that you make. There is no limit to the amount of cash back you can earn. Plus, you will not need to keep track of rotating bonus categories like other cards require.

Depending on your credit score, you might have a fairly low credit line when you first get this card. Once you make your first five month payments on time, Capital One will increase your credit line. This can quickly have positive effects on your credit score.

Things to Consider

Capital One® QuicksilverOne® Cash Rewards Credit Card does come with a $39 annual fee, but this is very low for a rewards credit card. The big thing to be aware of is that the card has a variable purchase APR of 24.99%. This is quite high, which means it’s extremely important to pay your balance in full each month. This will help you avoid any interest charges.

Our Verdict

If you don’t have perfect credit, Capital One® QuicksilverOne® Cash Rewards Credit Card is a great rewards credit card to choose. You will earn a generous cash back rate and you will be given the tools to build your credit score. This will help you move into an even better product in the future.

Best Capital One Credit Card for Small Businesses

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  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months of approval
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $59 after that
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime
  • Get employee cards at no additional cost, and earn rewards from their business spend

Annual Fee

$0 intro annual fee for the first year $59 after that

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.74% Variable

Benefits

As a small business owner, you have a lot to worry about every day. Your credit card should not be one of those things. With Capital One® Spark® Cash for Business credit card you’re getting a simple, easy-to-manage card.

You will receive a $500 cash back bonus after spending $4,500 in the first 3 months. Then each time you use your card for a business expense, you will receive 2% cash back on that purchase. As long as your account stays open and active, your rewards will never expire.

Allowing your employees to make business related purchases can be a great idea. Not only will this keep spending within one account, but it can also help generate rewards for the business quicker. With Capital One® Spark® Cash for Business card, you will be able to add employee cards a no additional cost.

Things to Consider

There is no annual fee for the first year. Then each year after, you will pay $59. The card also has a variable APR of 17.74% on both purchases and balance transfers. This is quite high, which means it will be important that you pay off your balance each month to avoid finance charges.

Verdict

If you are a business owner looking for a cash back card, then Capital One® Spark® Cash for Business is a great choice. Its high sign-up bonus and unlimited rewards earning potential make it stand out from most other cards.

Best Capital One Credit Card for Poor Credit

More Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

24.99% Variable

Benefits

If you have less than perfect credit, then using a credit card is one of the best ways to build your credit score back up. However, finding a quality card from a reputable issuer can be a struggle. Capital One® Secured MasterCard® tends to be one of the best for anyone with poor credit.

This card requires a refundable security deposit, which will act as your credit line. Depending on your credit score, your deposit will be either $49, $99 or $200. This will give you an initial credit line of $200. If you want to have access to more, you can deposit up to $3,000 before your account opens.

Once you make your first five monthly payments on time, Capital One will increase your credit line without requiring an additional deposit. To help track your progress, you will have access to your credit score each month through CreditWise.

Things to Consider

Most secured credit cards have a very high APR and Capital One® Secured MasterCard® is no different. You will receive a variable 24.99% APR on all purchases. This means it’s critical that you pay your balance in full each month. If not, your purchases will start accruing finance charges. This card doesn’t have an annual fee.

Verdict

Even though it has a high APR, Capital One® Secured MasterCard® is one of the best cards available for anyone with poor credit. This card will give you all the tools needed to build your credit score back up.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing balance transfer credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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