Bankrate’s Best Capital One Credit Cards

With rewards credit cards, you often have to choose between business or pleasure. Capital One cards have enough flexibility to turn the "or" into an "and." Here’s our review of the top credit cards from Capital One.

Editors' Picks: Bankrate’s Best Capital One Credit Cards

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Best for travel rewards

capital-one-venture-rewards-credit-card-032217.png Card Image
Apply Now ON Capital One® Venture® Rewards Credit Card's secure website

Capital One® Venture® Rewards Credit Card

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
14.74% - 24.74% (Variable)
Regular APR
$0 intro for first year; $95 after that
Annual Fee

Bankrate Score

94 out of 100

Card 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 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; 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
Terms and Restrictions Apply

Best for dining and entertainment

bc497160-9f2b-11e8-b3b7-dd1fc1cf23ad.png Card Image
Apply Now ON Capital One® Savor® Cash Rewards Credit Card's secure website

Capital One® Savor® Cash Rewards Credit Card

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
16.24% - 25.24% (Variable)
Regular APR
$0 intro for first year; $95 after that
Annual Fee

Bankrate Score

97 out of 100

Card Details

  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • No foreign transaction fees
  • Access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Terms and Restrictions Apply

Best for simple cash back

capital-one-quicksilver-cash-rewards-credit-card-041217.png Card Image
Apply Now ON Capital One® Quicksilver® Card - 0% Intro APR for 15 Months's secure website

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
0% intro on purchases for 15 months
Purchases intro APR
0% intro on balance transfers for 15 months
Balance Transfers intro APR
14.74% - 24.74% (Variable)
Regular APR
$0
Annual Fee

Bankrate Score

93 out of 100

Card 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
  • 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 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Terms and Restrictions Apply

Best for no annual fee travel rewards

capital-one-ventureone-rewards-credit-card-041217.png Card Image
Apply Now ON Capital One® VentureOne® Rewards Credit Card's secure website

Capital One® VentureOne® Rewards Credit Card

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
0% intro on purchases for 12 months
Purchases intro APR
N/A
Balance Transfers intro APR
13.74% - 23.74% (Variable)
Regular APR
$0
Annual Fee

Bankrate Score

80 out of 100

Card Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Terms and Restrictions Apply

Best for people with limited credit history

capital-one-platinum-credit-card-121217.png Card Image
Apply Now ON Capital One® Platinum Credit Card's secure website

Capital One® Platinum Credit Card

Recommended Credit Score:
580 - 740

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
24.99% (Variable)
Regular APR
$0
Annual Fee

Bankrate Score

78 out of 100

Card Details

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • 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
Terms and Restrictions Apply

Best for dining and entertainment with no annual fee

49fda590-9f2b-11e8-8835-390989bf37d0.png Card Image
Apply Now ON Capital One® SavorOne℠ Cash Rewards Credit Card's secure website

Capital One® SavorOne℠ Cash Rewards Credit Card

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
0% intro on purchases for 15 months
Purchases intro APR
0% intro on balance transfers for 15 months
Balance Transfers intro APR
14.74% - 24.74% (Variable)
Regular APR
$0
Annual Fee

Bankrate Score

91 out of 100

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Terms and Restrictions Apply

Best for fair credit

capital-one-quicksilverone-cash-rewards-credit-card-041217.png Card Image
Apply Now ON Capital One® QuicksilverOne® Cash Rewards Credit Card's secure website

Capital One® QuicksilverOne® Cash Rewards Credit Card

Recommended Credit Score:
580 - 740

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
24.99% (Variable)
Regular APR
$39
Annual Fee

Bankrate Score

81 out of 100

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
Terms and Restrictions Apply

Best for consumers with bad credit

capital-one-platinum-credit-card-121217.png Card Image
Apply Now ON Capital One® Secured Mastercard®'s secure website

Capital One® Secured Mastercard®

Recommended Credit Score:
300 - 670

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
24.99% (Variable)
Regular APR
$0
Annual Fee

Bankrate Score

84 out of 100

Card Details

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Terms and Restrictions Apply

Best business card for cash back

capital-one-spark-cash-for-business-062818.png Card Image
Apply Now ON Capital One® Spark® Cash for Business's secure website

Capital One® Spark® Cash for Business

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
18.74% (Variable)
Regular APR
$0 intro for first year; $95 after that
Annual Fee

Bankrate Score

94 out of 100

Card 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
Terms and Restrictions Apply

Best business card for travel rewards

capital-one-spark-miles-for-business-062918.png Card Image
Apply Now ON Capital One® Spark® Miles for Business's secure website

Capital One® Spark® Miles for Business

Recommended Credit Score:
670 - 850

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

300 850
N/A
Purchases intro APR
N/A
Balance Transfers intro APR
18.74% (Variable)
Regular APR
$0 intro for first year; $95 after that
Annual Fee

Bankrate Score

91 out of 100

Card Details

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Andy Bowen | Last Updated: September 7, 2018


In this article:

How we chose the best Capital One Credit Cards

We reviewed Capital One cards to find the top options across multiple categories. We evaluated each card on factors like our proprietary Bankrate score, rewards rate, perks, and fees to find the best that Capital One has to offer.

Editor’s analysis: Bankrate’s favorite Capital One credit cards

Capital One® Venture® Rewards Credit Card: Best for all-around travel rewards

Why you’ll love it

The Capital One® Venture® Rewards Credit Card is ideal for earning rewards toward your next trip. With 2X miles on every purchase, every day, there’s no need to track your spending in particular categories. Miles are redeemable for a travel statement credit. And you can stretch your miles even further by booking through a discount travel site or during a sale. Eligible purchases like airfare and hotels are covered, no matter how you book. This, along with a hefty sign-up bonus of 50,000 miles after you spent $3,000 in your first three months of account opening, makes it an attractive option.

Card Details:

  • Best For: Travel rewards
  • Bankrate Score: 94 out of 100
  • Credit Needed: Excellent/Good

Consider this

The Capital One® Venture® Rewards Credit Card comes with a $95 annual fee that kicks in after the first year. If you’re looking for an everyday travel card without a fee, this card’s little brother is a comparable option. The Capital One® VentureOne® Rewards Credit Card has a lower rewards rate (1.25 miles per dollar spent on purchases) and a lesser signup bonus (20,000 miles with the VentureOne, as opposed to the Venture card’s 50,000 mile bonus), but it does come with the same redemption flexibility without the annual fee.

Capital One® Savor® Cash Rewards Credit Card: Best for dining, entertainment, and groceries

Why you’ll love it

Food lovers will want to check out the Capital One Savor Cash Rewards Credit Card. With an unlimited 4% back on dining and entertainment, 2% at grocery stores and 1% on everything else, this card delivers impressive returns for heavy spenders on dining and entertainment. If you regularly eat out more than 3 to 4 times week, and you don’t have this card, you could be missing out. Capital One has a sign-up bonus of $500 cash back when you spend $3,000 within the first 3 months of opening the card, which immediately boosts the value proposition of this card for most people. Despite the $95 annual fee (waived for the first year), if you’re a lover of restaurant cuisine, drive-thru hamburgers, or diner delights, then you will feel the value of this card.

Card Details:

  • Best for: Dining, entertainment, and groceries.
  • Bankrate score: 97/100
  • Rewards rate: 4% on dining and entertainment, 2% at the grocery store, 1% back on all other purchases
  • Welcome offer: Capital One offers $500 sign-up bonus when you spend $3,000 in the first three months of opening the card.

Consider this
The Capital One Savor Cash Rewards card is designed for people who spend heavily on dining and entertainment. If you already allocate a decent portion of your monthly budget to food then it’s worth doing the math on this card as its generous rewards could put a chunk of cash back in your pocket. To really maximize your returns you could couple this card with another high-rate cash back rewards card in a category you also spend heavily in, for instance, the Blue Cash Preferred Card from American Express for 3% cash back on gas and 6% back groceries (on up to $6,000 per year in purchases, then 1%).

Capital One® Quicksilver® Card: Best for simplicity

Why you’ll love it

The Capital One® Quicksilver® Card is perfect if you’re looking for simplicity. It has a flat 1.5 percent rewards rate, no annual fee, and a $150 bonus after spending $500 in the first three months. (This applies to any type of purchase.) And, when you earn rewards, you can redeem them for any amount. (Some cards have a minimum redemption requirement, usually somewhere around $25.)

The card also packs Visa Signature® Benefits like travel and emergency assistance, auto rental coverage, and fraud coverage.

Card Details:

  • Best For: Rewards card rookies
  • Bankrate Score: 93 out of 100
  • Credit Needed: Excellent/Good

Consider this

This card will get you off to a good cash rewards start with very little maintenance. But if you’re working to build or improve your credit, the comparable Capital One® QuicksilverOne® Cash Rewards Credit Card might be a better choice. It doesn’t have a signup bonus or intro APR, but it’s easier to qualify for and earns the same exact rate: 1.5 percent cash back on everything (that includes gas).

Capital One® VentureOne® Rewards Credit Card: Best for earning unlimited miles

Why you’ll love it

For no-fuss points on everything you buy, the Capital One® VentureOne® Rewards Credit Card is a sensible, affordable choice. Unlimited 1.25 miles per dollar offers decent earning potential, with plenty of flexibility at redemption. Since you can redeem miles for a travel statement credit, you can fly any airline and stay at any hotel, anytime, without taking blackout dates into account.

Card Details:

  • Best For: Earning unlimited miles
  • Bankrate Score: 80 out of 100
  • Credit Needed: Excellent/Good

Consider this

There’s no cap on your earnings here. But this card has a lower rewards rate (1.25 miles per dollar spent on purchases) and smaller sign-up bonus (from 50,000 miles to 20,000 miles) in comparison to the similar Capital One® Venture Card. However, they both hold the same redemption flexibility without the annual fee.

Maximizing points and miles on your rewards card

One of the key benefits of a great rewards card is being able to redeem points the way you want to. Your points don’t do you any good if you can’t use them. This applies across the board for different types of cards. Some airline cards and hotel credit cards are able to offer you a higher earning potential for purchases with their brand.

There isn’t a one-size-fits-all card that delivers superior points or miles on every conceivable spending category and has the most flexible point redemption options. Owning two or three cards is the right number to get the most points or miles and still keep the cards active (assuming you’re paying off the balances). You’ll be able to take advantage of the bonuses and ongoing rewards without major limitations.

Benefits of the Capital One rewards program

With the Capital One travel rewards program, you earn miles for all purchases and you get a sign-up bonus as well. A big advantage to the Capital One travel rewards program is that you aren’t tied down by loyalty to brands, and you aren’t limited to rewards for specific types of purchases. And there’s no transferring points.

You can use your miles for travel in the past 90 days, book new travel through Capital One, gift cards, a check or you can transfer them to another account. One plus about Capital One Venture cards: You always get 1:1 for travel redemption of miles. Redemption even includes spending on Airbnb and Uber.

Other benefits of having Capital One cards

From no foreign transaction fee to travel accident insurance, Capital One cards offer a plethora of benefits, including travel and retail; apps and digital services; and security. Here’s what this bank issuer offers:

Travel and retail

  • No foreign transaction fees – no Capital One card has a foreign transaction fee, a savings of 3%-5% per foreign transaction
  • 24-hour travel assistance – get an emergency replacement card and a cash advance
  • Auto rental collision damage waiver – an eligible vehicle is covered for damage due to theft or collision
  • Travel accident insurance – covered losses at no extra charge
  • Extended warranty – additional warranty at no extra charge

Apps and digital services

  • Mobile app – allows you to manage your account on the go
  • CreditWise – monitor your credit, even if you aren’t a Capital One customer
  • Eno – allows you to keep tabs on your account with texting, checking your balance, reviewing transactions and paying your bill

Security

  • Security and account alerts – get alerts by phone, email or text
  • Fraud coverage – $0 fraud liability

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.