Best Capital One Credit Cards

How to Choose the Right Card for Your Financial Needs

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The best Capital One credit cards provide compelling cashback, points, or miles, with attractive features like no annual fees (or annual fees that are easily justified based on rewards), introductory interest rates, and one-time bonuses. Capital One offers cards for a variety of consumers and small business owners who are interested in travel, cashback rewards, and protections on their purchases. We have reviewed Capital One’s most popular consumer and business credit cards and chose the ones below as the best for various categories.

Best Capital One Credit Cards for August 2021: Find the Right Card for You

Best Overall, Best for Cash Back : Capital One Quicksilver Cash Rewards


Rating as a Capital One Credit Card
4.8
Capital One Quicksilver Cash Rewards Credit Card
Current Offer

Earn a one-time $200 cash bonus once you spend $500 on purchases within 3 months from account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate 1.5% cash back on every purchase, every day.
INTRO PURCHASE APR 0% for 15 Months
Balance Transfer Fee 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

The Capital One Quicksilver Cash Rewards Credit Card is our choice for the best overall Capital One card, as well as the best card for cashback rewards because it scored highest across multiple attributes in our methodology that considers rewards, fees, interest, benefits, customer service, and security. Its simple but robust 1.5% cashback structure is among the best in the industry. Plus, there is no annual fee, so all of the cashback you earn is yours to keep.

Pros & Cons:
Pros
  • Simple rewards program with a solid return

  • Decent introductory offers on purchases

  • No annual or foreign transaction fees

  • No penalty APR

Cons
  • No bonus rewards rates

  • One-time bonus is relatively modest

  • APR can be comparatively high

Read the full Capital One Quicksilver Cash Rewards credit card review

Best for Dining : Capital One SavorOne Cash Rewards


Rating as a Capital One Credit Card
4.8
Capital One SavorOne Cash Rewards Credit Card
Current Offer

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
INTRO PURCHASE APR 0% for 15 Months
Balance Transfer Fee 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

We chose the Capital One SavorOne Cash Rewards Credit Card as the best dining card from Capital One because of its 3% cashback earnings at restaurants coupled with its no annual fee. While the Capital One Savor has a slightly higher earning rate on dining, we like the fact this card has most of the benefits without the yearly cover charge. Like all Capital One cards, SavorOne charges no foreign transaction fees, which can make it an ideal card for dining on vacations as well.

Pros & Cons:
Pros
  • Generous cash rewards on dining and entertainment

  • Doesn’t impose some frequent fees

  • Access to premium experiences

Cons
  • 0% APR introductory offer is less generous than most

  • Small introductory cash bonus

  • Excellent credit recommended

Read the full Capital One SavorOne Cash Rewards credit card review

Best for GM Rewards : BuyPower Card


Rating as a Capital One Credit Card
4.5
BuyPower Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.24% - 24.24% variable
Annual Fee $0
Rewards Earning Rate 5% Earnings on your first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that.
INTRO PURCHASE APR 0% for 12 Months
Balance Transfer Fee There is no standard balance transfer fee for this card.
Foreign transaction fee (%) 0%
Important

The GM BuyPower Credit Card is not accepting new applications from June to September 2021.

  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

The BuyPower Card from Capital One is the best card for GM rewards based on its 5% earnings on the first $5,000 you spend every year. After that, you'll earn unlimited 2% rewards on all of your other purchases. The rewards can be spent towards the purchase of a new Chevrolet, Buick, GMC, or Cadillac. You can combine your rewards with vehicle offers for even greater savings on a new vehicle. Rewards may also be used for up to $250 each year for in-dealership purchases of service, parts, and accessories.

Pros & Cons:
Pros
  • Strong rewards program for those saving toward a GM purchase

  • No foreign transaction fees

Cons
  • No balance transfer offer

  • Rewards can only be used at GM dealerships

Read the full BuyPower credit card review

Best for Travel : Capital One Venture Rewards Credit Card


Rating as a Capital One Credit Card
4.0
Capital One Venture Rewards Credit Card
Current Offer

Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.24% - 24.49% variable
Annual Fee $95
Rewards Earning Rate Earn 2 miles per dollar on every purchase. Redeem on travel-from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs.
Balance Transfer Fee 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Capital One Venture Rewards Credit Card is our choice as the best travel credit card with its unlimited 2x miles on all purchases and ability to "erase" travel purchases up to 90 days later. You'll earn 60,000 miles after spending $3,000 in the first three months, a $600 value. These miles can be used to book flights, hotel rooms, and other travel without blackout dates or transferred to airline and hotel partners for potentially more value. Plus, your travel plans will go smoother with reimbursement of up to $100 of your Global Entry or TSA PreCheck application fees every four years.

Pros & Cons
Pros
  • High rewards rate with no cap on earnings

  • Sizable one-time bonus

  • Flexible redemption options

  • Credit for Global Entry TSA Precheck every 4 years

Cons
  • Poor cash-back redemption rate

  • Limited transfer partners

Read the Full Capital One Venture Rewards Credit Card Review.

Best for Business Rewards : Capital One Spark Cash for Business


Rating as a Capital One Credit Card
4.2
Capital One Spark Cash for Business
Current Offer

Earn $500 when you spend $4,500 in the first 3 months of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.99% variable
Annual Fee $0 for the first year, then $95
Rewards Earning Rate Earn 2% cash back for your business on every purchase, everywhere.
Balance Transfer Fee There is no standard balance transfer fee for this card.
Cash Advance APR (%) 26.99%
Cash Advance Fee Either $10 or 3% of the amount of each cash advance, whichever is greater.
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

Our pick for the best Capital One card for business rewards is the Capital One Spark Cash for Business card. It offers unlimited 2% cashback on all purchases, not just certain business-related categories. Capital One offers many card options for small business owners but this is the best among those in terms of a solid return on spending offered with no annual fee the first year, then $95 each year. Employee cards can also be added at no additional charge.

Pros & Cons:
Pros
  • Decent bonus, albeit for commensurate spending

  • Simple rewards program

  • No charge for employee cards

Cons
  • Your personal credit history could be affected

  • No bonus categories for outsized rewards

Read the full Capital One Spark Cash for Business credit card review

Best for Fair Credit : Capital One QuicksilverOne Cash Rewards Credit Card


Rating as a Capital One Credit Card
3.7
Capital One QuicksilverOne Cash Rewards Credit Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 26.99% variable
Annual Fee $39
Rewards Earning Rate 1.5% cash back on every purchase, every day.
Balance Transfer Fee There is no standard balance transfer fee for this card.
Foreign transaction fee (%) 0%
  • Why We Chose This Card:
  • Pros & Cons
Why We Chose This Card:

The Capital One QuicksilverOne Cash Rewards Credit Card is our pick for the best Capital One card option for those with fair credit. It offers the same flat rate cashback as the Quicksilver but is designed for those with less than good credit. QuicksilverOne comes with a $39 annual fee, which can be easily justified with consistent use. Cashback rewards are a relatively unusual feature for a card in the fair credit segment and combined with low fees, it makes this card a solid choice for those in the middle of the credit band.

Pros & Cons
Pros
  • Higher rewards rate than similar cards

  • Average credit accepted

  • Good credit behavior recognized

Cons
  • Annual fee

  • High APR

  • No introductory incentive

Read the full Capital One QuicksilverOne Cash Rewards credit card review

Best for Students : Journey Student Rewards from Capital One


Rating as a Capital One Credit Card
3.3
Journey Student Rewards from Capital One
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 26.99% variable
Annual Fee $0
Rewards Earning Rate Earn 1% Cash Back on all purchases. 0.25% Cash Back bonus on the cash back you earn each month you pay on time. Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
Balance Transfer Fee There is no standard balance transfer fee for this card.
Foreign transaction fee (%) 0%
  • Why We Chose This Card
  • Pros & Cons
Why We Chose This Card

The Journey Student Rewards from Capital One is our pick for the best student card as it provides students with cash back on every purchase dollar. Plus, it includes an incentive to build solid money habits by offering a 25% boost in earnings each month for on-time payments. Journey Student Rewards also offers solid credit education, account management, and security tools for college students starting out with credit.

Pros & Cons
Pros
  • Offers cash back, unusual for a student card

  • Credit limit may rise rapidly

  • Streaming subscription credits when paid on time

Cons
  • Low 1% cashback rate, with no bonus categories

Read the full Journey Student Rewards from Capital One credit card review

Best for Bad Credit or No Credit : Secured Mastercard® from Capital One


Rating as a Capital One Credit Card
2.7
Secured Mastercard® from Capital One
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 26.99% variable
Annual Fee $0
Minimum Deposit to Activate $49
Pay deposit in installments Yes
Allows upgrade to unsecured card Yes
Rewards Earning Rate This card does not offer a rewards program.
  • Why We Chose This Card:
  • Pros & Cons:
Why We Chose This Card:

We chose the Secured Mastercard from Capital One as the best Capital One option for those with bad or no credit. Customers receive an instant credit line of at least $200, with the option for a higher line of credit when they deposit more. The required security deposit for the $200 credit line can be as low as $49, which is helpful for people on a tight budget. In as few as six months, accounts are automatically reviewed for a credit line increase. Although it does not earn rewards, there is no annual fee or foreign transaction fees, which makes it an easy card to keep and build credit over time with responsible use.

Pros & Cons:
Pros
  • Credit limits can be larger than the required security deposit

  • Security deposit can be paid in installments

  • No annual or foreign transaction fees

Cons
  • Requires a bank account

  • Relatively low initial credit limits

  • No bonus offers or rewards program

Read the full Secured Mastercard® from Capital One credit card review

Final Verdict

Capital One offers numerous credit cards that fit the needs of different types of consumers and small business owners. With a variety of card benefits, such as rewards, intro APR offers, and no foreign transaction fees, Capital One has many cards that are attractive.

Our choice of the best Capital One credit card is the Capital One Quicksilver Cash Rewards Credit Card because of its unlimited 1.5% cashback on every purchase. This simple rewards structure makes it easy to earn cash back without having to activate a promotion or remembering bonus categories. Plus, there's no annual fee and new cardholders can earn a $200 cash bonus after spending $500 within three months.

Compare the Best Capital One Credit Cards

Credit Card Annual Fee Top Feature
Capital One Quicksilver Cash Rewards Credit Card
Best Overall, Best for Cash Back
$0 Unlimited 1.5% cash back
Capital One SavorOne Cash Rewards Credit Card
Best for Dining
$0  Unlimited 3% cash back on dining and entertainment 
BuyPower Card
Best for GM Rewards
$0  Up to 5% rewards
Capital One Venture Rewards Credit Card
Best for Travel
$95 Unlimited 2x miles per dollar spent
Capital One Spark Cash for Business
Best for Business Rewards
$95 (first year waived) Unlimited 2% cash back
Capital One QuicksilverOne Cash Rewards Credit Card
Best for Fair Credit
$39  Automatic credit line reviews
Journey Student Rewards from Capital One
Best for Students
$0 25% bonus when paying on time
Secured Mastercard® from Capital One
Best for Bad Credit or No Credit
$0  Refundable security deposit as low as $49

Editorial Picks for Best Capital One Credit Cards

Capital One Quicksilver Cash Rewards Credit Card

Best Overall, Best for Cash Back

The Capital One Quicksilver Cash Rewards Credit Card is our choice for the best overall and best for cashback with its unlimited 1.5% cashback earnings with no annual fee. New customers can earn a welcome bonus of $200 after spending only $500 within three months.

Capital One SavorOne Cash Rewards Credit Card

Best for Dining

Foodies will love our choice for the best dining credit card from Capital One. The Capital One SavorOne Cash Rewards Credit Card earns an unlimited 3% on dining and entertainment, plus 2% cashback on groceries for meals at home.

BuyPower Card

Best for GM Rewards

The BuyPower Card is the best card for GM Rewards with 5% rewards earned on the first $5,000 you spend each year. Unlimited rewards can be spent towards the purchase of a new GM vehicle or up to $250 in service, parts, and accessories each year.

Capital One Venture Rewards Credit Card

Best for Travel

The Capital One Venture Rewards Card earns unlimited 2x miles on every purchase with no caps on the number of miles you can earn. The miles can be used to book travel, "erase" previous travel purchases, or transfer to airline and hotel partners.

Capital One Spark Cash for Business

Best for Business Rewards

Business owners can earn an unlimited 2% cashback on expenses with the Capital One Spark Cash for Business. It's our choice for the best card for business rewards based on its earning power, the $500 welcome bonus, and free employee cards to maximize rewards on all company spending.

Capital One QuicksilverOne Cash Rewards Credit Card

Best for Fair Credit

Our choice for the best credit card for fair credit is the Capital One QuicksilverOne Cash Rewards Credit Card because it earns an unlimited 1.5% cashback with a reasonable annual fee. It includes complimentary tools to monitor your credit and Capital One will automatically review your account (in as little as six months) for a higher limit.

Journey Student Rewards from Capital One

Best for Students

The best Capital One credit card for students is the Journey Student Rewards from Capital One. Students earn 1% cashback on all purchases and receive a 25% boost to rewards when paying on time.

Secured Mastercard® from Capital One

Best for Bad Credit or No Credit

For people with bad credit or no credit, the Secured Mastercard® from Capital One is the best card from Capital One. It offers a minimum credit limit of $200, a refundable security deposit as low as $49, and the account is reviewed automatically for credit line increases.

Frequently Asked Questions

What Is the History of Capital One?

Capital One started as the credit card division of Signet, a regional bank in the mid-Atlantic region of the U.S. that was spun off as an independent organization in 1994. It was one of the original “monoline” banks, as they were known at the time because they only had one product line: credit cards. Other monoline banks of the time included MBNA and First USA, which are now owned by Bank of America and Chase, respectively. Capital One is the last of these types of independent card issuers, though they have since branched out into other types of consumer loans and deposits delivered online and through a nationwide network of banking locations, including Capital One Cafes. Capital One is the nation’s fifth-largest consumer bank and eighth-largest bank overall (as of April 2021).

Is a Capital One Credit Card Right For Me?

Capital One has a variety of credit cards with attractive rewards and benefits, valuable introductory APR offers, and no or low annual fees. Every type of customer should be able to find a card that fits their needs. With a portfolio of over 20 credit cards, Capital One has many cards to choose from as your needs change, so you don't have to switch banks.

What Are Capital One Credit Card Credit Score Requirements?

Capital One offers a variety of credit cards that are right for the credit of every type of customer. Whether you're just starting out, rebuilding your credit, or have an excellent score, Capital One has at least one credit card to meet your needs.

Which Benefits Do Capital One Credit Card Provide?

Each Capital One credit card offers unique benefits based on the type of card it is and the annual fee that it charges. However, each credit card from Capital One also provides a basic level of benefits for all of its customers. Here are a few of the benefits you can enjoy, no matter which card you choose:

  • No foreign transaction fees
  • Instantly lock your card through the Capital One mobile app
  • $0 liability for unauthorized purchases
  • Virtual card numbers from Eno
  • Unlimited access to your credit score through CreditWise from Capital One

What Are the Capital One Credit Card Interest Rates?

Capital One credit cards have different interest rates based on the card you choose. While some have one interest rate for all customers, others have a range of interest rates depending on your creditworthiness. In all cases, the interest rates are variable and may change based on the Prime Rate.

How Many Capital One Credit Cards Can You Get?

Since 2011, customers are allowed to have two open Capital One consumer credit cards at the same time. However, there are exceptions to this rule:

  • Customers with multiple accounts before this rule went into effect
  • Cards from acquired banks
  • Cobranded and retailer credit cards issued by Capital One, such as the GM BuyPower card
  • Secured credit cards
  • Business credit cards

How Do Capital One Rewards Programs Work?

Capital One credit card rewards are based on generic travel miles that can be used to book travel on any airline or with any hotel or a percentage of cash back that can be earned on every purchase dollar. The amount or percentage of the rewards earned per dollar varies depending on the card. Finding the right card can come down to how you wish to receive your rewards–either in the form of immediate cash back or in mileage currency that can be used to pay for future travel. It’s also important to gauge how much you spend on credit cards, where you spend, and whether you’re willing to pay an annual fee in return for enhanced earnings opportunities.

Capital One Cash-Back Cards: These cards allow you to earn cash-back with your everyday purchases and, in some cases, with bonus category spending, that can be redeemed for checks or statement credits for any amount that has been earned (there are no minimum redemption thresholds):

  • Capital One QuicksilverOne Rewards Credit Card
  • Capital One Quicksilver Rewards for Good Credit Credit Card
  • Capital One Quicksilver Rewards Credit Card
  • Capital One Savor Rewards Credit Card Credit Card
  • Capital One SavorOne Rewards Credit Card
  • Capital One SavorOne Rewards for Good Credit Credit Card
  • Capital One Walmart Rewards Mastercard
  • GM Mastercard
  • Journey Student Rewards from Capital One
  • Capital One Spark 2% Cash for Business Credit Card
  • Capital One Spark 1.5% Cash Select for Business Credit Card
  • Capital One Spark 1% Classic for Business Credit Card

Capital One Travel Rewards Cards: These Capital One cards provide various flat-rate and bonus earnings opportunities:

  • Capital One Venture Rewards Credit Card
  • Capital One VentureOne Rewards Credit Card
  • Capital One VentureOne Rewards for Good Credit Credit Card
  • Capital One Spark 2X Miles for Business Credit Card
  • Capital One Spark 1.5X Miles Select for Business Credit Card

The travel rewards Capital One cards earn “miles,” which are not tied to any particular airline. Each mile has a worth of one cent when redeemed toward travel expenses.

Redemption can take the form of booking any travel through Capital One’s Rewards Center or can be used retroactively to offset a previously incurred travel expense through Capital One’s Purchase Eraser feature. The only caveat to using Purchase Eraser to offset travel expenses is that it must be done within 90 days of the original purchase.

Other redemption options include statement credits or Amazon gift cards, though the redemption value of each mile is considerably less versus redeeming toward travel.

What Transfer Partners Does Capital One Offer?

A valuable feature of Capital One’s travel rewards cards is that they allow transfer to 15 airline and hotel frequent flyer programs. Depending upon how you redeem rewards with these partners, it is possible to receive a much higher value from your Capital One Miles.

The transfer partners are listed below:

  • Aeromexico
  • Air France/KLM
  • Air Canada
  • Alitalia
  • Asia Miles
  • Avianca
  • Emirates
  • Etihad Airways
  • EVA Air
  • Finnair
  • JetBlue
  • Qantas
  • Singapore Airlines
  • Accor hotels
  • Wyndham hotels

The transfer rates vary with Capital One travel partners. When you transfer 1,000 Capital One Miles, you'll receive 500 to 750 miles or points with its partners. Capital One periodically offers bonus rates to receive even more miles and points with its partners.

What Are Capital One’s Fees Like?

Capital One offers a number of cards without annual fees. The card interest rates, while based on creditworthiness, are generally considered reasonable relative to other issuers’ products in the market. One notable feature is that Capital One waives foreign transaction fees on all of their cards, which is a very consumer-friendly policy.

How Does Capital One Customer Service Rate?

Capital One earned an “average” rating in J.D. Power’s 2020 U.S. Credit Card Satisfaction Study, putting them squarely in the middle of the pack. Service may be reflective of calling to deal with statement issues, notifying Capital One of major purchases or travel, or dealing with points redemptions.

Can You Get a Capital One Card With Bad Credit?

Capital One offers a secured credit card option for those with bad credit or no credit history. Secured cards require a security deposit to be placed with the issuer in exchange for a credit limit of the same or sometimes greater amount.

Methodology

When selecting the best credit cards from Capital One, we analyzed the features, benefits, rewards, fees, and interest rates of every one of its cards. Each data point was assigned a star rating and the ratings of each card were compared against competing cards to determine which was the best for each type of customer. This list represents the highest-rated cards based on the goals for those customer profiles. We constantly monitor Capital One's credit cards so that we can update our ratings and rankings as card data changes.