Best Capital One Credit Cards
Written By: Adriana Ocañas
Edited By: Tracy Stewart
Reviewed By: Sally Herigstad
December 13, 2023
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Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
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Everyday Cash Rewards
Cash Back Match
Unlimited cash back
Dining Rewards
BEST FOR CASH BACK
Capital One Quicksilver Cash Rewards Credit Card
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
5%
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
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200
Annual fee
$0
Regular APR
19.99% – 29.99% variable
Read the full review
Pros
- The card’s intro APR on purchases can be a big help if you need to pay off large purchases over time while minimizing interest charges.
- Many cards charge a 3% fee for every purchase you make abroad, but the Quicksilver comes with no foreign transaction fee.
Cons
- You may earn more cash back overall with a card that offers elevated rewards in specific spending categories, like groceries or dining.
- Aside from offering no foreign transaction fee, the Quicksilver is relatively light on cardholder perks.
Bottom Line
If you want to earn simple, consistent cash back without the headache of tracking spending or bonus categories, this card should be a great fit.
Highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One Quicksilver Cash Rewards Credit Card Details
BEST FOR DINING REWARDS
Capital One SavorOne Cash Rewards Credit Card
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
Intro offer
$200
Annual fee
$0
Regular APR
19.99% – 29.99% variable
Read the full review
Pros
- There’s no limit to how much cash back you can earn with the card, so it could prove especially valuable for families or big spenders.
- Since it offers bonus cash back on dining and entertainment while charging no foreign transaction fee, it’s ideal for international travel and tourism.
Cons
- You could earn more valuable rewards and enjoy additional travel and dining perks if you opted for a rewards card with an annual fee.
- You can’t use rewards to book travel or transfer to airline or hotel loyalty programs.
Bottom Line
This card offers one of the best combined cash back rates you can find on dining and grocery store purchases without paying an annual fee.
Highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- 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
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- No foreign transaction fee
- No annual fee
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One SavorOne Cash Rewards Credit Card Details
BEST FOR TRAVEL REWARDS
Capital One Venture Rewards Credit Card
see rates & fee
Recommended credit
670-850 (Good To Excellent)
Rewards rate
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
75,000 miles
Annual fee
$95
Regular APR
19.99% – 29.99% variable
Read the full review
Pros
- You have the flexibility to redeem miles with Capital One or use them to cover travel purchases made with airlines, hotels and third-party travel sites.
- If you spend at least $396 per month with the card and use miles for travel, your rewards should cover the card’s annual fee.
Cons
- The sign up bonus isn’t particularly lucrative compared to other travel cards.
- The card’s list of travel partners isn’t as robust as you’ll find on some higher-tier travel cards.
Bottom Line
This is one of the easiest-to-use and most rewarding mid-tier travel cards thanks to its flat-rate rewards, redemption flexibility and relatively low annual fee.
Highlights
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- 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
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- 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
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Venture Rewards Credit Card Details
Prime Choice For Flat-Rate Cash Rewards
Capital One Spark Miles for Business
See Rates & Fees
Rewards Rate
5X
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2X
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account.
Intro offer
50,000 miles
Annual fee
$95, waived first year
Regular APR
26.24% variable
highlights
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Rates & Fees
Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
26.24% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One SavorOne Cash Rewards Credit Card Details
Pros
- Offers a highly-competitive rewards rate that should make it easy to offset the card’s relatively low annual fee (waived the first year).
- Comes with a solid set of practical perks, including a credit for expedited airport security screening, year-end account summaries and free employee cards.
Cons
- You’ll only get full value for your miles if you redeem for travel, so it’s not the best choice if you’d like a mix of redemption options.
- You can’t set individual spending limits on employee cards, so you may need to keep a close eye on accounts.
Capital One Quicksilver Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
5%
1.5%
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
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200
Annual fee
$0
Regular APR
19.24% – 29.99% variable
highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One Quicksilver Cash Rewards Credit Card Details
Pros
- The card’s intro APR on purchases can be a big help if you need to pay off large purchases over time while minimizing interest charges.
- Many cards charge a 3% fee for every purchase you make abroad, but the Quicksilver comes with no foreign transaction fee.
Cons
- You may earn more cash back overall with a card that offers elevated rewards in specific spending categories, like groceries or dining.
- Aside from offering no foreign transaction fee, the Quicksilver is relatively light on cardholder perks.
Capital One SavorOne Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
Intro offer
$200
Annual fee
$0
Regular APR
19.99% – 29.99% variable
highlights
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- 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
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One SavorOne Cash Rewards Credit Card Details
Pros
- There’s no limit to how much cash back you can earn with the card, so it could prove especially valuable for families or big spenders.
- Since it offers bonus cash back on dining and entertainment while charging no foreign transaction fee, it’s ideal for international travel and tourism.
Cons
- You could earn more valuable rewards and enjoy additional travel and dining perks if you opted for a rewards card with an annual fee.
- You can’t use rewards to book travel or transfer to airline or hotel loyalty programs.
Capital One QuicksilverOne Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
5%
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
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
No current offer
Annual fee
$39
Regular APR
30.74% variable
highlights
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
Rates & Fees
Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One QuicksilverOne Cash Rewards Credit Card Details
Pros
- Earns cash back at a competitive rate, even compared to rewards cards designed for people with good to excellent credit.
- The annual fee is relatively low considering this is a card designed for people with a middle-of-the-road credit score.
Cons
- All cardholders face the same sky-high APR, no matter what shape their credit is in.
- While the card may be worth it as a starter option, its annual fee will limit its long-term value.
Capital One Venture Rewards Credit Card
See Rates & Fees
Rewards Rate
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 miles
Annual fee
$95
Regular APR
19.99% – 29.99% variable
highlights
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- 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
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- 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
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Venture Rewards Credit Card Details
Pros
- You’ll earn miles at the same flat rate on every purchase, so you won’t have to worry about where or when to use the card to maximize your rewards.
- Not only can you use your miles for travel, but you can also use your card abroad without incurring any foreign transaction fees.
Cons
- The rewards rate is disappointing considering most flat-rate cash back cards earn at least 1.5% back and Capital One miles are worth 1 cent redeemed for travel.
- Depending on your spending habits, a card with a higher rewards rate and an annual fee could actually be more lucrative.
Capital One VentureOne Rewards Credit Card
See Rates & Fees
Rewards Rate
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles
1.25 Miles per dollar on every purchase, every day
Intro offer
20,000 miles
Annual fee
$0
Regular APR
19.99% – 29.99% variable
highlights
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% – 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One VentureOne Rewards Credit Card Details
Pros
- You’ll earn miles at the same flat rate on every purchase, so you won’t have to worry about where or when to use the card to maximize your rewards.
- Not only can you use your miles for travel, but you can also use your card abroad without incurring any foreign transaction fees.
Cons
- The rewards rate is disappointing considering most flat-rate cash back cards earn at least 1.5% back and Capital One miles are worth 1 cent redeemed for travel.
- Depending on your spending habits, a card with a higher rewards rate and an annual fee could actually be more lucrative.
Capital One Spark Miles for Business
See Rates & Fees
Rewards Rate
5X
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2X
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account.
Intro offer
50,000 miles
Annual fee
$95, waived first year
Regular APR
26.24% variable
highlights
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Rates & Fees
Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
26.24% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Spark Miles for Business Details
Pros
- Offers a highly-competitive rewards rate that should make it easy to offset the card’s relatively low annual fee (waived the first year).
- Comes with a solid set of practical perks, including a credit for expedited airport security screening, year-end account summaries and free employee cards.
Cons
- You’ll only get full value for your miles if you redeem for travel, so it’s not the best choice if you’d like a mix of redemption options.
- You can’t set individual spending limits on employee cards, so you may need to keep a close eye on accounts.
BEST FOR NO ANNUAL FEE
Capital One VentureOne Rewards Credit Card
See Rates & Fees
Rewards Rate
5 Miles
1.25 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles per dollar on every purchase, every day
Intro offer
20,000 miles
Annual fee
$0
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
670-850 (Good to Excellent)More information
highlights
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- 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
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% – 29.99% variable APR after that; balance transfer fee applies
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro on purchases for 15 months
Regular APR
19.99% - 29.99% (Variable)
Intro Balance Transfers APR
0% intro on balance transfers for 15 months
View All Capital One VentureOne Rewards Credit Card Details
Pros
- You’ll earn miles at the same flat rate on every purchase, so you won’t have to worry about where or when to use the card to maximize your rewards.
- Not only can you use your miles for travel, but you can also use your card abroad without incurring any foreign transaction fees.
Cons
- The rewards rate is disappointing considering most flat-rate cash back cards earn at least 1.5% back and Capital One miles are worth 1 cent redeemed for travel.
- Depending on your spending habits, a card with a higher rewards rate and an annual fee could actually be more lucrative.
BEST FOR UNLIMITED MILES ON PURCHASES
Capital One Venture X Rewards Credit Card
See Rates & Fees
Rewards rate
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
2 Miles
5 Miles per dollar on flights booked through Capital One Travel
2 Miles per dollar on every purchase, every day
Intro offer
75,000 miles
Annual fee
$395
Regular APR
19.99% - 29.99% variable
highlights
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- 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 every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Rates & Fees
Annual Fee
$395
Intro Purchase APR
N/A
Regular APR
19.99% - 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Venture X Rewards Credit Card Details
Pros
- Unlimited miles in all purchase categories (with no expiration or blackout dates)
- Generous travel credits and premium perks
Cons
- High spend requirement to earn sign-up bonus
- Requires excellent credit
BEST FOR BUSINESS TRAVEL
Capital One Spark Miles for Business
See Rates & Fees
Rewards Rate
5x
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
2X
5 Miles per dollar on flights booked through Capital One Travel
Intro offer
50,000 miles
Annual fee
$95, waived first year
Regular APR
26.24% variable
at Capital One's secure site
Recommended credit
670-850 (Good To Excellent)
670-850 (Good to Excellent)
highlights
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Rates & Fees
Annual Fee
$0 intro for first year; $95 after that
Intro Purchase APR
N/A
Regular APR
26.24% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Venture X Rewards Credit Card Details
Pros
- Offers a highly-competitive rewards rate that should make it easy to offset the card’s relatively low annual fee (waived the first year).
Cons
- Comes with a solid set of practical perks, including a credit for expedited airport security screening, year-end account summaries and free employee cards.
BEST BUSINESS CARD FOR FLAT-RATE CASH BACK
Capital One Spark Cash Plus
See Rates & Fees
Rewards Rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Intro offer
$1,200 cash bonus
Annual fee
$150
Regular APR
N/A
highlights
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month
Rates & Fees
Annual Fee
$150
Intro Purchase APR
N/A
Regular APR
N/A
Intro Balance Transfers APR
N/A
View All Capital One Spark Cash Plus Details
Pros
- The card offers one of the highest flat rewards rates (unlimited 2% on qualifying purchases) you’ll find on a business rewards card.
- There’s no minimum threshold required to redeem your cash back – you can claim your rewards anytime, in any amount.
Cons
- The card carries an annual fee of $150.
- This card requires you to pay off your balance in full each billing cycle and carries no ongoing APR or introductory APR offers.
BEST FOR BUILDING CREDIT
Capital One Platinum Credit Card
See Rates & Fees
Rewards Rate
This card doesn't offer cash back, miles, or points
Intro offer
No current offer
Annual fee
$0
Regular APR
30.74% variable
highlights
- No annual or hidden fees. See if you’re approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Platinum Credit Card Details
Pros
- Unlike many unsecured cards for people with an average credit score or limited credit history, this card charges no annual fee.
- There’s no security deposit required, and you may be eligible for a credit limit increase if you make your first six payments on time.
Cons
- All cardholders get the same extremely high APR, regardless of credit history, which could prove costly if you end up carrying a balance.
- Since this is an unsecured card, your starting credit limit will likely be low, which could hold back your credit-building efforts.
BEST FOR SECURED CREDIT CARD
Capital One Platinum Secured Credit Card
See Rates & Fees
Rewards Rate
This card doesn't offer cash back, miles, or points
Intro offer
No current offer
Annual fee
$0
Regular APR
30.74% variable
highlights
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Platinum Secured Credit Card Details
Pros
- Since it lets you put down as little as $49 and still get a minimum credit limit of $200, this is one of the most accessible secured cards out there.
- You can increase your credit limit after six on-time monthly payments and may even be able to graduate to an unsecured Capital One card with responsible use.
Cons
- Some secured and unsecured credit-building cards offer rewards on every purchase or in specific spending categories.
- A number of competing secured cards offer higher credit limits if you make a matching deposit, which could help fast track your credit-building efforts.
BEST STUDENT CARD FOR FLAT-RATE CASH BACK
Capital One Quicksilver Student Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
10%
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 1.5% cash back on every purchase, every day
1.5%
Intro offer
$50
Annual fee
$0
Regular APR
19.99% - 29.99% variable
highlights
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
19.99% - 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Quicksilver Student Cash Rewards Credit Card Details
Pros
- There are no minimum requirements for redeeming rewards.
- The card doesn’t carry an annual fee or charge foreign transaction fees.
Cons
- Undisciplined spenders might find the opportunity to earn rewards distracting while trying to build credit.
- Depending on your spending habits, you might be able to earn more cash back with a rewards credit card that features bonus categories.
BEST FOR ENTERTAINMENT SEEKERS
Capital One SavorOne Student Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
8%
8% Cash Back on Capital One Entertainment purchases
5%
3%
1%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1% Cash Back on all other purchases
Intro offer
$50
Annual fee
$0
Regular APR
19.99% - 29.99% variable
highlights
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- 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
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
19.99% - 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One SavorOne Student Cash Rewards Credit Card Details
Pros
- The card carries no annual fee and no foreign transaction fees.
- There are no minimum redemption requirements for rewards.
Cons
- If you don’t find yourself spending on the card’s bonus categories, you’ll likely see more value from a flat-rate cash back card.
- This card requires a certain level of spending discipline as it provides the ability to earn rewards on discretionary purchases.
BEST FOR LIMITED CREDIT HISTORY
Capital One QuicksilverOne Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
5%
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
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
No current offer
Annual fee
$39
Regular APR
30.74% variable
highlights
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- 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
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
Rates & Fees
Annual Fee
$39
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One QuicksilverOne Cash Rewards Credit Card Details
Pros
- Earns cash back at a competitive rate, even compared to rewards cards designed for people with good to excellent credit.
- The annual fee is relatively low considering this is a card designed for people with a middle-of-the-road credit score.
Cons
- All cardholders face the same sky-high APR, no matter what shape their credit is in.
- While the card may be worth it as a starter option, its annual fee will limit its long-term value.
BEST SECURED CARD FOR FLAT-RATE REWARDS
Capital One Quicksilver Secured Cash Rewards Credit Card
See Rates & Fees
Rewards Rate
5%
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
1.5%
Earn unlimited 1.5% cash back on every purchase, everywhere
Intro offer
No current offer
Annual fee
$0
Regular APR
30.74% variable
highlights
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- 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
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Intro Balance Transfers APR
N/A
View All Capital One Quicksilver Secured Cash Rewards Credit Card Details
Pros
- The card doesn’t charge foreign transaction fees.
- One of the most lucrative rewards programs attached to a secured credit card
Cons
- The card’s variable APR is steep; avoid carrying a balance.
- Some secured credit cards tout lower security deposit minimums.
Our Methodology And Research
3,476
Credit Cards
Analyzed
Analyzed
600
Banks
Analyzed
Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.