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Best Capital One Credit Cards

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by Sean Bryant | Updated Mar. 28, 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

13.49% - 23.49% Variable

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; 13.49%-23.49% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.49%-23.49% 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

13.49% - 23.49% (Variable)

Best Capital One Credit Card for Cash Back with Average Credit

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  • 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

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

17.49% Variable

Best Capital One Credit Card for Poor Credit

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  • 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

Our 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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