5 Best Capital One Credit Cards

5 Best Capital One Credit Cards

Best for Flat-Rate Cash Back
#1
Capital One Quicksilver Cash Rewards Card
  • Unlimited flat 1.5% cash back rate on all purchases
  • Easily obtainable bonus of $150 when you spend $500 on purchases within 3 months of account opening
  • Value Penguin calls it one of the best cashback cards for low spenders
Best for Travel Rewards
#2
Capital One Venture Rewards Card
  • A simple, no-fuss earning structure and redemption process
  • Flexible rewards: miles don't expire and there are no blackout dates
  • Nerdwallet lauds the card's “Stress-free 2% travel rewards”
Best for Small Businesses
#3
Capital One Spark Cash for Business
  • No-frills certainly isn’t a bad thing: get unlimited 2% cash back on all purchases when using this credit card
  • The Simple Dollar calls it “One of the least complicated options for business cards”
  • Earn a nice bonus of $500 after a fair amount of spending ($4,500) within the first 3 months of opening an account
Best for Students
#4
Journey Student Rewards from Capital One
  • You don’t technically have to be a student to use and benefit from one of the best Capital One credit cards
  • Get rewarded for good habits with an on-time payment bonus
  • Credit Karma says this card “can help young consumers build credit and earn rewards”

After 40 hours of research evaluating 15 products, we picked Capital One Quicksilver Cash Rewards Card as our top choice.

Capital One is one of the largest credit card providers in America, offering cards with no-to-low annual fees and rewards programs that have been recognized for being great thanks to features that include:

  • Earning as much as 2x more miles per dollar spent and as much as 3% cash back
  • Leading categories that include popular options such as dining, groceries, and travel
  • Rewards that can be redeemed in the form of cash back, gift cards, travel, or donations
  • Miles worth 1 cent per mile

It gets better:

With so many options, how do you pick the best Capital One credit card for you and your unique needs? No problem! Capital One offers options for those with limited or fair credit history as well as seasoned credit card users. And if you love to travel, you’ll be glad to know that many of the best Capital One credit card choices function without collecting a foreign transaction fee on related purchases.

What’s the perfect option for you? Let’s take a look at the wide range of options:

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.


Editorial staff

Quick Look: 5 Best Capital One Credit Cards
Capital One Platinum Card
Check on Applynow.capitalone
Journey Student Rewards from Capital One
Check on Applynow.capitalone
Capital One Spark Cash for Business
Check on Applynow.capitalone
Capital One Venture Rewards Card
Check on Capitalone
Capital One Quicksilver Cash Rewards Card
Check on Capitalone
5 Best Capital One Credit Cards

5 Best Capital One Credit Cards

Read Video Infographic Tips

After 40 hours of research evaluating 15 products, we picked Capital One Quicksilver Cash Rewards Card as our top choice.

Capital One is one of the largest credit card providers in America, offering cards with no-to-low annual fees and rewards programs that have been recognized for being great thanks to features that include:

  • Earning as much as 2x more miles per dollar spent and as much as 3% cash back
  • Leading categories that include popular options such as dining, groceries, and travel
  • Rewards that can be redeemed in the form of cash back, gift cards, travel, or donations
  • Miles worth 1 cent per mile

It gets better:

With so many options, how do you pick the best Capital One credit card for you and your unique needs? No problem! Capital One offers options for those with limited or fair credit history as well as seasoned credit card users. And if you love to travel, you’ll be glad to know that many of the best Capital One credit card choices function without collecting a foreign transaction fee on related purchases.

What’s the perfect option for you? Let’s take a look at the wide range of options:

Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.


Editorial staff

Quick Look: 5 Best Capital One Credit Cards
Capital One Platinum Card
Check on Applynow.capitalone
Journey Student Rewards from Capital One
Check on Applynow.capitalone
Capital One Spark Cash for Business
Check on Applynow.capitalone
Capital One Venture Rewards Card
Check on Capitalone
Capital One Quicksilver Cash Rewards Card
Check on Capitalone

Best for Bad Credit

Best for Bad Credit: Capital One Platinum Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    24.99%
  • Cash Advance APR
    24.99%
  • Rewards Rate
    n/a
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    n/a

Pros

  • Allows you to have a credit card even with bad credit; credit limit can increase after 5 months of on-time payments
  • Money Under 30 says it’s a “Great basic credit card with no annual fee for applicants with average credit”
  • Like many of the best Capital One credit cards on this list, there are no annual fees or foreign transaction fees

Cons

This is a pretty no-frills credit card, so you’ll really only want to apply for it if you fit the bill of someone with lackluster credit history. It offers no rewards and a considerably high APR.

Details

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Offers fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Application Process: More or less the same process as with the other best Capital One credit cards on this list—an easy online application.

Annual Fee: None, none, none! Isn’t it great?

APR: It’s 24.99%, regardless of your credit history.

Rewards and Redemption Options: Hate to break it to you, but there are none—besides the fact that you can use one of the best Capital One credit cards without a great credit history.

Bonus Offers: None, but many users are happy to have access to a credit card after a less-than-stellar past use history.

Best for Students

Best for Students: Journey Student Rewards from Capital One
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    24.99%
  • Cash Advance APR
    24.99%
  • Rewards Rate
    1.0%
  • Annual Fee
    $0
  • Intro APR
    n/a
  • Bonus Offers
    Get access to a higher credit line after making your first 5 monthly payments on time.

Pros

  • You don’t technically have to be a student to use and benefit from one of the best Capital One credit cards
  • Get rewarded for good habits with an on-time payment bonus
  • Credit Karma says this card “can help young consumers build credit and earn rewards”

Cons

Let’s be honest—the flat rewards rate of 1% or 1.25% is much lower than many other options on the market. And even though the credit card rewards users for on-time payments, they also have a hefty punishment for those that carry a balance: to the tune of a 24.99% variable APR.

Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Application Process: Apply online, easy as pie.

Annual Fee: There is none! And no foreign transaction fees, to boot.

APR: Regardless of your credit history, you’ll be assessed an APR of 24.99%.

Rewards and Redemption Options: Automatically earn a flat rate of 1% cashback on all purchases, then earn an additional 0.25% when payments are made early. It’s like getting rewarded for making smart credit card decisions!

Bonus Offers: Nothing super exciting, but make your first 5 payments on time and you can get access to a higher line of credit. The real “bonus” to using this credit card comes from the responsible cred card habits this card teaches.

Best for Small Businesses

Best for Small Businesses: Capital One Spark Cash for Business
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    18.49%
  • Cash Advance APR
    24.49%
  • Rewards Rate
    2.0%
  • Annual Fee
    $0 for the first year, then $95.
  • Intro APR
    n/a
  • Bonus Offers
    A one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

Pros

  • No-frills certainly isn’t a bad thing: get unlimited 2% cash back on all purchases when using this credit card
  • The Simple Dollar calls it “One of the least complicated options for business cards”
  • Earn a nice bonus of $500 after a fair amount of spending ($4,500) within the first 3 months of opening an account

Cons

If you have large business expenses in certain categories, there are plenty of other credit cards that will reward you at a better rate. Furthermore, the high APR associated with this credit card isn't for those looking to do balance transfers or who frequently find themselves dealing with late payments. There’s also an annual fee of $59 if you were hoping to make use of the card without paying anything extra.

Details

  • 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 from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Application Process: Just as with the other options for best Capital One credit cards, you can easily apply for the Spark Cash for Business card on Capital One’s website.

Annual Fee: You’ll be able to get by without paying to use this card for the first year, then a $59 annual fee will be applied after that.

APR: Expect a flat rate of 17.99%.

Rewards and Redemption Options: It’s pretty straightforward—earn unlimited 2% cash back on all purchases.

Bonus Offers: Our suggestion? Apply for this credit card with a big business purchase in mind. If you spend $4,500 within the first 3 months of opening a new account, you’ll earn a one-time cash bonus of $500.

Best for Travel Rewards

Best for Travel Rewards: Capital One Venture Rewards Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    14.49% - 24.49%
  • Cash Advance APR
    24.49%
  • Rewards Rate
    2 miles per dollar
  • Annual Fee
    $0 for the first year, then $95.
  • Intro APR
    n/a
  • Bonus Offers
    Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.

Pros

  • A simple, no-fuss earning structure and redemption process
  • Flexible rewards: miles don't expire and there are no blackout dates
  • Nerdwallet lauds the card's “Stress-free 2% travel rewards”

Cons

If you’re a frequent traveler, you might be deterred from this card because of the fact that it offers no airline specific perks. You may be better off with more specific airline credit cards. Furthermore, you won’t get a lot out of this credit card if you’re looking for general cash back benefits—this is a card whose strength lies in travel.

Details

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn 10 miles per dollar on hotels when you pay with your Venture card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Application Process: Apply for your shiny new credit card on Capital One’s website.

Annual Fee: This credit card comes with a fee of $59 per year, but you’ll get a free pass during your first year of use.

APR: Sorry, no introductory offers with this credit card! Instead, you’ll be assessed a variable rate between 13.99% to 23.99%, and a cash advance APR of 23.99%.

Rewards and Redemption Options: There are two ways to claim rewards when using this card:

  1. Use Capital One’s platform to find hotel, flight & rental car deals.
  2. Use Capital One’s Purchase Eraser to get statement credit for your flight or hotel.

What makes Capital One’s Purchase Eraser different than the standard option is that there is no minimum for full travel statement credit options, just a 2,500 mile minimum for partial travel credit redemptions. This means that you can redeem at least $25 to help offset costs for more expensive tickets.

Bonus Offers: Capital One offers a one time bonus of 40,000 miles for every $3,000 spent in the first 3 months of account opening, or $400 in rewards.

Best for Flat-Rate Cash Back

Best for Flat-Rate Cash Back: Capital One Quicksilver Cash Rewards Card
Apply Now
On Card Issuer’s Secure Website
  • Variable APR
    24.99%
  • Cash Advance APR
    24.99%
  • Rewards Rate
    1.50%
  • Annual Fee
    $39
  • Intro APR
    n/a
  • Bonus Offers
    n/a

Pros

  • Unlimited flat 1.5% cash back rate on all purchases
  • Easily obtainable bonus of $150 when you spend $500 on purchases within 3 months of account opening
  • Value Penguin calls it one of the best cashback cards for low spenders

Cons

If you’re new to the world of credit cards, this card might be your perfect match. But if you’re a little more of an experienced user, you can certainly find higher percent cash back credit cards for a small annual fee that will likely more than justify itself. A related example? The Capital One Spark Cash for Business credit card. Additionally, you may be interested in using one of the best Capital One credit cards for balance transfers... until you find out that it comes with a 3% balance transfer fee.

Details

  • One-time $150 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
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • 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 for 9 months; 14.24%-24.24% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 14.24%-24.24% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Application Process: Apply online just as you would with the other best Capital One credit cards on this list.

Annual Fee: Absolutely no annual fees! Definitely a perk of this credit card.

APR: Enjoy a 0% intro APR for the first 9 months, then a variable rate of 13.99% to 23.99% after that time passes.

Rewards and Redemption Options: It’s very simple: earn an unlimited flat rate of 1.5% cash back, which does not expire. You can redeem this cash back as a statement credit or cheque.

Bonus Offers: Just about anyone using this credit card will earn a $150 bonus after spending $500 on purchases within 3 months of account opening.

Maddy Osman creates engaging content with SEO best practices for marketing thought leaders and agencies that have their hands full with clients and projects. Learn more about her process and experience on her website, www.The-Blogsmith.com and read her latest articles on Twitter: @MaddyOsman.

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