Capital One is a well known credit card issuer. It’s no stranger to the highlight — you’ve most likely seen its celebrity-driven TV commercials or on-line advertisements in your travels.
Thanks partially to its aggressive promoting marketing campaign, hundreds of thousands of U.S. customers use Capital One merchandise. Right here, we’ll spotlight the most effective Capital One bank cards, together with:
- Beneficiant cash-back credit cards that earn actual returns on on a regular basis spending
- Broad-based travel rewards credit cards that may cut back the price of home and worldwide journey with out forcing you to stay loyal to a specific vendor or alliance
- Small-business credit cards for companies massive and small
- Miscellaneous bank cards designed for college kids and folks with below-average credit score
Finest Capital One Credit score Playing cards
These are the most effective Capital One bank cards available on the market proper now. Every of those bank card gives is topic to vary, particularly round options like early spend bonuses and 0% intro APR promotions. Test this checklist typically for the most recent particulars.
1. Finest Total: Capital One Enterprise Rewards Credit score Card
The Capital One Venture Rewards Credit Card (also called Enterprise from Capital One) is Capital One’s flagship flat-rate journey rewards bank card.
Enterprise was one of many first journey playing cards to supply limitless 2x miles on all spending, no matter buy class. At this time, the rewards program is even higher, due to a brand new 5x miles tier for accommodations and rental vehicles booked by means of Capital One Journey.
Enterprise’s rewards program makes it an amazing on a regular basis spending card for individuals who prefer to get away on occasion. And in contrast to branded airline and hotel rewards credit cards, Enterprise doesn’t care who you spend your hard-earned journey {dollars} with — solely that you just’re getting some a lot deserved R&R.
In case you journey continuously sufficient to offset the $95 annual payment and aren’t significantly loyal to an airline alliance or hospitality household, this card must be excessive in your journey rewards quick checklist.
Further options:
- Earn an early spend bonus of 75,000 miles after you spend $4,000 on purchases inside three months of your account opening date — value $750 when redeemed for assertion credit in opposition to journey purchases made along with your Enterprise card
- Miles don’t expire so long as your account stays open and in good standing
- No overseas transaction payment
- Use your Enterprise card to pay your Global Entry software payment and get a press release credit score for the total quantity (as much as $100)
- $95 annual payment
Learn More About the Capital One Venture Rewards Card
2. Finest for Flat-Price Money Again: Capital One Quicksilver Money Rewards Credit score Card
The Capital One Quicksilver Cash Rewards Credit Card is Capital One’s flagship flat-rate cash-back card.
Quicksilver boasts a flat, limitless 1.5% cash-back price on all purchases, with no caps or limits in your incomes potential. Plus, your factors by no means expire so long as your account stays open and in good standing. And you’ll redeem in any quantity.
In case you’re in search of a simple cash-back bank card with no annual payment or overseas transaction payment and a pleasant set of value-added advantages, this might be the cardboard for you.
Further options:
- Get $200 as an early spend bonus after you spend a minimum of $500 on purchases inside three months of your account opening date
- Money again doesn’t expire so long as your account stays open and in good standing
- Get pleasure from 0% intro APR on purchases and stability transfers for 15 months from account opening, then variable common APR applies (at present 19.99% to 29.99%), after that stability switch payment applies.
- Redeem your collected money again for assertion credit, paper checks, and present playing cards in any quantity
- Schedule recurring, computerized redemptions at sure cash-back thresholds
- No annual payment or overseas transaction payment
- Steadiness Switch Payment applies to balances transferred at a promotional price
Learn More About the Capital One Quicksilver Cash Rewards Card
3. Finest for Frugal Vacationers: Capital One VentureOne Rewards Credit score Card
The Capital One VentureOne Rewards Credit Card is Enterprise’s littler, lesser-known cousin. The rewards price is decrease and the early spend bonus is smaller, as an illustration. However there’s a lot to love about this card, from a reasonably lengthy 0% APR buy promotion to the slew of journey reductions and upgrades accessible to cardholders.
Oh, and there’s no annual payment. For infrequent vacationers looking for a no-strings-attached return on spending, VentureOne is tough to beat.
Further options:
- Earn 20,000 miles after you spend $500 on the cardboard inside 3 months from account opening (value $200 when redeemed for journey).
- Earn limitless 1.25 miles per $1 spent on all purchases, with no caps or restrictions
- As soon as earned, miles by no means expire
- Get pleasure from 0% intro APR for 15 months on purchases and stability transfers, then variable common APR applies (at present 19.99% to 29.99%)
- No annual payment or overseas transaction payment
Learn More About the Capital One VentureOne Rewards Card
4. Finest for Eating and Leisure: Capital One SavorOne Money Rewards Credit score Card
The Capital One SavorOne Money Rewards Credit score Card is the most effective cash-back bank card for individuals who get pleasure from a very good meal, interval. Whether or not you’re eating out or cooking in, you possibly can depend on all food-related purchases in your SavorOne card to earn limitless 3% money again.
SavorOne has two different favored classes. One — leisure — appeals to cardholders preferring to exit. The opposite — streaming services — caters to cardholders who’d simply as quickly keep in.
Further options:
- Earn a one-time $200 money bonus after you spend $500 on purchases throughout the first 3 months from account opening
- Earn limitless 1% money again on all different eligible purchases
- Redeem in any quantity for a press release credit score or paper verify
- No annual payment or overseas transaction payment
Learn More About the Capital One SavorOne Cash Rewards Card
5. Finest for Enterprise House owners: Capital One Spark Money Plus
Capital One Spark Cash Plus is Capital One’s flagship enterprise cash-back bank card.
The spotlight: Spark Money Plus earns limitless 2% money again on all purchases, with no caps or restrictions in your incomes potential. That’s an amazing price of return for basic enterprise spending.
In case you spend hundreds of {dollars} monthly to maintain a thriving enterprise operating, this beneficiant, limitless price can actually add up.
Further options:
- Earn a one-time money bonus of $1,200 when you spend $30,000 within the first 3 months.
- Get your $150 annual payment refunded every year you spend a minimum of $150,000
- Money again doesn’t expire whereas your account is opening and in good standing
- Redeem your money again in any quantity for assertion credit or paper checks
- No overseas transaction payment
- No payment for added worker playing cards
- $150 annual payment
Learn More About the Capital One Spark Cash Plus Card
6. Finest for Enterprise Vacationers: Capital One Spark Miles for Enterprise
Just a few twists apart, Capital One Spark Miles for Business is the enterprise model of the Capital One Enterprise Rewards Credit score Card.
It’s a fairly priced, beneficiant choice for enterprise house owners who journey continuously and aren’t particularly loyal to any specific hospitality household or airline alliance. Which makes it among the best enterprise journey playing cards, bar none.
Further options:
- Earn 50,000 bonus miles after you spend $4,500 on purchases inside three months of your account opening date — value $500 when redeemed for assertion credit in opposition to journey purchases
- Miles don’t expire so long as your account stays open and in good standing
- Redeem your miles for assertion credit in opposition to prior journey purchases
- Switch miles to a couple of dozen collaborating Capital One journey companions at favorable conversion charges
- The $95 annual payment is waived within the first 12 months
- No overseas transaction payment
- No payment for added worker playing cards
- Get a press release credit score as much as $100 in opposition to a qualifying Global Entry or TSA PreCheck software payment
Learn More About the Capital One Spark 2X Miles Card
7. Finest for Honest Credit score: Capital One QuicksilverOne Money Rewards Credit score Card
The Capital One QuicksilverOne Cash Rewards Credit Card is loads like its better-known sibling, the Quicksilver Money Rewards card. But it surely’s designed for folks with common credit score — of us who nearly actually wouldn’t qualify for the flagship Quicksilver card, or many different Capital One bank cards for that matter.
In case you’re within the means of building or rebuilding your credit and need to earn a strong return on spending alongside the way in which, that is your card.
Further options:
- Earn limitless 1.5% money again on all purchases, with no caps or restrictions on how a lot you possibly can earn
- Money again doesn’t expire so long as your account stays open and in good standing
- Redeem in any quantity for assertion credit and different money equivalents
- $39 annual payment
- No overseas transaction payment
- Check your credit score at any time with the CreditWise app
Learn More About the Capital One QuicksilverOne Cash Rewards Credit Card
8. Finest for College students: Capital One SavorOne Scholar Money Rewards Credit score Card
The Capital One SavorOne Student Cash Rewards Credit Card is loads just like the “grownup” SavorOne card. The largest distinction is the truth that it’s marketed completely to college students enrolled in qualifying larger training establishments.
The beneficiant money rewards program, full with 4 broad 3% cash-back classes, stays the identical. Which makes SavorOne scholar one of many best student credit cards available on the market, interval.
Further options:
- Earn $50 if you spend $100 within the first 3 months.
- Earn limitless 3% money again qualifying eating, leisure, streaming service, and grocery retailer purchases (excluding Walmart and Goal purchases)
- Earn limitless 1% money again on all different eligible purchases
- Redeem for a press release credit score or paper verify in any quantity
- No annual payment or overseas transaction payment
- Turn into eligible for a credit score line enhance in as little as six months with accountable card use and well timed funds
Learn More About the SavorOne Student Cash Rewards Credit Card
9. Finest for Dangerous Credit score: Capital One Platinum Secured Credit score Card
The Capital One Platinum Secured Credit Card is a everlasting inclusion on our checklist of the best secured credit cards for rebuilding credit. It’s a secured different to different entry-level playing cards and applicable for folks with restricted or bad credit.
Like all secured credit cards, Platinum Secured From Capital One requires an upfront deposit to open your account — a minimum of $49. You don’t get that deposit again till you repay your stability in full and shut your account.
So long as you’re OK with that, Platinum Secured From Capital One might be your ticket to raised credit score and better buying energy.
Further options:
- Your preliminary credit score restrict is a minimum of $200 — making Platinum Secured one of many few secured playing cards to supply an preliminary credit score restrict larger than the preliminary deposit
- Enhance your credit score restrict by depositing extra funds into your safe account
- No annual payment or overseas transaction payment
- Make your first 5 month-to-month funds on time and apply for a better credit score restrict with no extra deposit required
- Test your credit score rating any time with the CreditWise app
Learn More About the Capital One Platinum Secured Credit Card
Methodology: How We Select the Finest Capital One Credit score Playing cards
We weigh a number of key components when evaluating bank cards, together with card charges, rewards, early spend bonuses, 0% APR promotions, and basic card advantages. The Capital One playing cards on this checklist rating higher than any others on a wide range of metrics.
Rewards Program
A lot of the playing cards on this checklist earn rewards — both money again or journey miles. Capital One’s rewards packages are typically easy, each on the incomes and redeeming sides, which is good for people who don’t like to leap by means of numerous hoops to get what’s theirs.
In fact, all else being equal, we choose Capital One playing cards that provide spectacular returns on spending and versatile redemption choices.
Annual Payment
By and huge, Capital One bank cards have low charges. Those who do cost annual charges are likely to maintain them cheap — normally beneath $100.
That’s a far cry from high-end competitor merchandise corresponding to The Platinum Card from American Express ($695 annual payment) and Citi Prestige ($495 annual payment). Even so, we’re cautious about selling Capital One playing cards that we really feel don’t provide good worth.
Different Card Charges
Capital One doesn’t cost overseas transaction charges or stability switch charges both. If cheap charges are a key consideration for you — and why wouldn’t they be? — it is a level in Capital One’s favor.
Common Advantages
Most Capital One playing cards have prolonged warranties for bought gadgets with present producer warranties, complimentary rental automotive protection for leases paid in full with the cardboard, varied journey coverages and help companies, and extra.
We observe the place playing cards on this checklist go above and past close to advantages, and name out these advantages the place applicable.
Early Spend Bonus
Many Capital One bank cards provide nice early spend bonuses — as much as $500 money, or the equal in miles.
Keep in mind that new cardholders who’ve held Capital One playing cards within the latest previous could also be ineligible for these bonuses. Capital One’s fantastic print is fairly imprecise on this level. It merely says, “[bonuses] will not be accessible for present or earlier accountholders.”
In case you’re unsure about whether or not you qualify for a specific card’s bonus, give Capital One a name and discuss it over with a consultant.
0% APR Introductory Promotion
A handful of Capital One bank cards have lengthy 0% APR introductory promotions for purchases, stability transfers, or each. These playing cards are likely to rise to the highest of this checklist as a result of they’re so invaluable for cardholders planning massive purchases or coping with present high-interest bank card debt.
Capital One Credit score Card FAQs
Nonetheless have questions on Capital One bank cards? Unsure which card is best for you? Learn on for solutions to among the most typical questions on Capital One and its bank card division.
What’s the Finest Capital One Credit score Card?
The three-word reply: Learn the checklist!
The marginally longer reply: It relies on what you’re in search of in a Capital One bank card. For instance:
- Desire a general-purpose cash-back bank card for on a regular basis spending? The Capital One Quicksilver Money Rewards Card is your finest guess.
- Need to earn further rewards on grocery, eating, and leisure spending? Look no additional than the Capital One SavorOne Money Rewards Credit score Card.
- Want a flat-rate journey rewards bank card? The Capital One Enterprise Rewards Credit score Card has you lined.
- Want a no-nonsense enterprise bank card? Strive the Capital One Spark Money Plus for Enterprise card.
Do learn the total checklist, although.
What Credit score Rating Does Capital One Require?
It relies on the cardboard you’re making use of for.
You’ll have the most effective likelihood of qualifying for the cardboard you need with an excellent or wonderful credit score rating — 740 or above, ideally. However you possibly can nonetheless qualify for entry-level bank cards just like the QuicksilverOne card if you happen to don’t have nice credit score — say, your rating is round 660.
You’ll have hassle qualifying for any Capital One bank card with a credit score rating under 600, nevertheless. The one attainable exception right here is the Capital One Secured card, which is designed for folks with restricted credit score or impaired credit score.
How Many Capital One Playing cards Can You Have?
There’s no formal restrict on the variety of Capital One bank cards you possibly can have. Nevertheless, making use of for too many bank cards in a brief time period can ding your credit score rating and make it tougher so that you can qualify.
Capital One might impose casual limits on the variety of playing cards you possibly can have on a case-by-case foundation too. In case your software for one more Capital One card is declined with none clear rationalization, this might be why.
Do Capital One Playing cards Cost Overseas Transaction Charges?
Capital One bank cards don’t cost overseas transaction charges — interval, finish of story. That is true irrespective of which card you select to make use of overseas or with worldwide distributors. Simply do not forget that forex change charges fluctuate over time, so the greenback worth of worldwide purchases might change relying on if you make them.
Methods to Select the Finest Capital One Credit score Card
As bank card issuers go, Capital One is fairly easy. It doesn’t have the biggest choice of cash-back or journey bank cards, nor specialty merchandise like co-branded airline or hotel rewards credit cards backed by widespread journey retailers like Hilton or United Airways.
And the playing cards Capital One does provide are sincere and straightforward to know. Even lower-tier merchandise appear to be designed with the person in thoughts slightly than Capital One’s backside line.
Nonetheless, it’s not at all times apparent which card works finest on your wants. In order you contemplate your Capital One bank card choices, ask your self the next questions:
- Do I need to earn rewards on eligible spending?
- In that case, which kind of rewards: money again, journey, or one thing else?
- Do I plan to make a big buy on my card and pay it off over time?
- Do I have to switch an present stability from one other card?
- Can I earn sufficient rewards to offset the cardboard’s annual payment, if any?
- Do I desire a card that rewards me for sure sorts of purchases over others, or will a basic rewards card do?
Your solutions right here may not lead you to a single card that’s clearly superior to all of the others. But it surely’s prone to slender down your checklist fairly a bit.
