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Capital One offers a wide range of credit cards for a wide variety of needs, including cash back, travel, business and credit-building. Here’s a look at the best cards available from our credit card partner Capital One.
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The information about the Capital One Savor Cash Rewards Credit Card been collected independently by Bankrate.com. The card details haven’t been reviewed or approved by the card issuer.
Here’s a look at the best Capital One credit cards for 2021, according to our experts:
| Card Name | Best for | Bankrate Review Score |
|---|---|---|
| Capital One Quicksilver Cash Rewards Credit Card | Simple cash back | 3.2/ 5 (Read full card review) |
| Capital One SavorOne Cash Rewards Credit Card | Dining and entertainment with no annual fee | 4.5 / 5 (Read full card review) |
| Capital One Venture Rewards Credit Card | Travel rewards | 4.3 / 5 (Read full card review) |
| Capital One Platinum Credit Card | Limited credit history | 3.7 / 5 (Read full card review) |
| Capital One VentureOne Rewards Credit Card | No annual fee travel rewards | 3.6 / 5 (Read full card review) |
| Capital One QuicksilverOne Cash Rewards Credit Card | Fair credit | 3.4 / 5 (Read full card review) |
| Capital One Platinum Secured Credit Card | Consumers with bad credit | 3.0 / 5 (Read full card review) |
| Capital One SavorOne Student Cash Rewards Credit Card | On-the-go students | 3.9 / 5 (Read full card review) |
| Capital One Quicksilver Secured Cash Rewards Credit Card | Secured card for flat-rate rewards | 3.5 / 5 (Read full card review) |
| Capital One Spark Cash Plus | Small businesses | 4.2 / 5 (Read full card review) |
| Capital One Quicksilver Student Cash Rewards Credit Card | Overall student card | 3.6 / 5 (Read full card review) |
| Capital One Spark Miles for Business | Travel business card | 4.0 / 5 (Read full card review) |
| Journey Student Rewards from Capital One | Responsible students | 2.8 / 5 (Read full card review) |
Read our Capital One Quicksilver Cash Rewards Credit Card review.
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Read our Capital One SavorOne Cash Rewards Credit Card review.
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Read our Capital One Venture Rewards Credit Card review.
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Read our Capital One Platinum Credit Card review.
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Read our Capital One VentureOne Rewards Credit Card review.
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Read our Capital One QuicksilverOne Cash Rewards Credit Card review.
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Read our Capital One Platinum Secured Credit Card review.
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Read our Capital One SavorOne Student Cash Rewards Credit Card Review.
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Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.
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Read our Capital One Spark Cash Plus Review..
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Read our Capital One Quicksilver Student Cash Rewards Credit Card review.
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Read our Capital One Spark Miles for Business review.
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Read our Journey Student Rewards from Capital One review.
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Established in 1994, Capital One has more than 700 branches nationwide in locations including New York, Louisiana, Texas, Maryland, Virginia, New Jersey and Washington, D.C. The full-service bank is known for its cutting-edge digital banking features.
Source: Capital One Corporate Information
Whether you’re already a world traveler or just want to earn points and miles on everyday purchases, there’s a Capital One card that will put you one step closer to your dream vacation with every eligible transaction.
Capital One offers a variety of flat-rate credit cards to maximize your spending on everyday purchases and several that allow you to capitalize on a selection of bonus categories.
Capital One credit cards provide ample opportunity to get rewarded on eligible transactions at your favorite restaurants while dining in, carrying out or even at the grocery store.
Capital One has a card for individuals in every stage of their credit journey and provides tools to put you on the right path to prove your creditworthiness and earn a higher credit limit over time.
You can use a Capital One business credit card to earn valuable rewards and boost your bottom line. Business credit cards often feature bonus categories tailored to small businesses, such as internet services, office supplies, travel and dining.
From travel to cash back to business cards, Capital One has a variety of credit card options for various types of credit scores. Here is a rundown of what else Capital One has to offer:
The Capital One travel rewards program offers a decent amount of flexibility when it comes to earning miles. Capital One offers the Venture Rewards and VentureOne Rewards as travel card options. Seeing as they aren’t co-branded cards, or affiliated with certain hotels or airlines, you won’t be limited to one brand. Plus, you’ll earn a flat rewards rate for every purchase – no rotating bonus categories, no problem.
If you are interested in transferring your points, Capital One offers many miles transfer partners. Here is a list of some of the airline transfer partners:
Here are a few other perks:
Let’s break down Capital One’s travel cards, the Venture and the VentureOne using a few examples:
If you’re looking to earn travel rewards on your everyday expenses, the Capital One Venture Rewards Credit Card is a good match. You’ll earn a flat 2X miles on every purchase. This card comes with 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. There is a $95 annual fee.
The Capital One VentureOne Rewards Credit Card is the younger sibling to the Venture card. It offers no annual fee and a lesser rewards rate of 1.25X miles per purchase.
If you’re just getting into the travel rewards game, this is a great starter card. There’s also a small bonus of 20,000 miles when you spend $500 within your first 3 months of account opening, which is worth $200 in travel.
Both the Venture and VentureOne offer the option to transfer your miles to a variety of transfer partners. There aren’t any blackout dates on travel and you won’t be charged foreign transaction fees for spending abroad.
The main differences are that VentureOne does not have an annual fee and the Venture offers a higher rewards rate. Consider whether or not your spending habits will allow you to make up for the $95 annual fee of the Venture card. If you already travel a few times a month, we say go for it.
| Capital One Venture | Capital One VentureOne | |
|---|---|---|
| TPG March 2021 point valuation | 1.4 | 1.4 |
| Spending example | $500 * 12 months * 2X miles* $0.014 = $168 | $500 * 12 months * 1.25X miles * $0.014 = $105 |
| Rewards structure | Unlimited 2X miles on every purchase | Unlimited 1.25X miles on every purchase |
| Annual fee | $95 | $0 |
| Welcome bonus | 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel | 20,000 bonus miles when you spend $500 in the first 3 months from account opening (worth $200 toward travel) |
| First-year value | $673 (including the welcome offer) | $305 (including welcome offer) |
Maximize your spending and rewards earned by combining two Capital One cards. Here’s one example:
In order to maximize the value of pairing these two cards, it’s best to use the Savor for all dining, entertainment and grocery store purchases, then the Quicksilver for everything else. Try not to use the Savor’s 1% category, seeing as you could use the Quicksilver and earn an extra .5% cash back.
If you’re interested in paying off big purchases without interest, use the Quicksilver to do so. You’ll get a 15-month introductory 0% APR on purchases (14.99%-24.99% variable APR thereafter).
Let’s take a look at first-year spending example for the two cards:
| Name | Capital One Savor Cash Rewards | Capital One Quicksilver Cash Rewards |
|---|---|---|
| Best for | Dining and entertainment | Simple cash back |
| Spending example | $300 * 12 months * 4% cash back * $0.01 = $144
$300 * 12 months * 2% cash back * $0.01 = $72 |
$200 * 12 months * 1.5% cash back * $0.01 = $36 |
| Rewards structure | Unlimited 4% cash back on dining and entertainment, 2% back at grocery stores and 1% back on all other purchases | Unlimited 1.5% cash back on every purchase |
| Annual fee | $95 | $0 |
| Welcome bonus | $300 cash bonus when you spend $3,000 within your first 3 months of card membership. | $200 cash bonus when you spend $500 within your first three months of account opening. |
| First-year value | $421 (including welcome offer) | $236 (including welcome bonus) |
At the end of your first year of card membership, the Capital One Savor Cash Rewards and Capital One Quicksilver Cash Rewards would earn you a total of $657.
So, you’ve decided you want a Capital One credit card. Here’s what an issuer will look at when you apply for one of their credit cards:
First and foremost, any credit card issuer will look at your credit score to determine whether or not you qualify for a card. Your credit score is made up of the following categories:
While Capital One doesn’t list numeric credit score requirements, the minimum credit level listed on Capital One’s website is for those who are “rebuilding credit,” which they define as someone who has defaulted on a loan more than once or been declined for a credit card in the last 3 months. This is one step below fair credit, so it’s safe to say someone who falls into this category has a credit score that’s lower than 580. Your options are pretty limited at this threshold, but the Capital One Platinum Secured Credit Card is a viable choice if you’re committed to building your credit.
If you have fair to excellent credit (580-850), you have several Capital One cards to choose from. For those somewhere in the middle of the credit range, the Capital One QuicksilverOne Cash Rewards Credit Card is a great tool for earning rewards while building your credit. For the credit high-flyers, the Capital One Venture Rewards Credit Card has one of the most competitive rewards rates in the credit card market.
If you want to improve your credit score before applying, read our guide to building credit for tips on doing so efficiently.
A card issuer will also look at your debt-to-income ratio, meaning how much of your monthly income is dedicated to paying off debt.
Capital One offers a 60-second credit card pre-qualification check on their site. The tool will match you to Capital One credit cards that you qualify for, only requiring a few basic informational questions. Most importantly, it won’t impact your credit score.
When applying for a card, you’ll need to provide the following information:
Capital One will notify you of their decision by mail within 7 to 10 days. If you are approved, you can use the card as soon as you activate it.
Once you’ve been using your card for a little while, you may wish to increase your credit limit. Even if your monthly bills don’t come close to your credit limit, having a higher amount of credit available to you will better your credit utilization, thus raising your credit score.
In many cases, it’s as simple as asking — you can either call the customer service line or log in and fill out the request online. However, a few scenarios make accounts ineligible for a credit line increase with Capital One:
If none of these situations apply to you, you may be eligible for a credit line increase. A history of on-time payments and low credit utilization will work to your advantage, too. Capital One will request much of the same information you gave on your credit card application, like your total annual income, employment status and mortgage or rent costs.
As the only Capital One card available to those with bad credit, the Capital One Platinum Secured Credit Card is the “easiest” option. Although there’s no guarantee you’ll be approved for any credit card — no matter the issuer — you might be able to start building credit for as little as a $49 deposit with the Capital One Platinum Secured Credit Card. The card doesn’t feature too many juicy perks, but its automatic credit line reviews can go a long way as you’re trying to establish a strong credit score.
If your credit is decent, you might qualify for the more lucrative Capital One QuicksilverOne Cash Rewards Credit Card, which earns cash back and often accepts applicants with fair credit scores.
Fortunately, Capital One lets you check your likelihood of being approved through prequalification, so be sure to start there and avoid a hit to your credit score.
Although determining a “best” option calls for evaluating your own financial situation first, Capital One has two clear-cut leaders to seriously consider.
If you’re looking for an easy-to-use no annual fee card, the best Capital One card is the Capital One Quicksilver Cash Rewards Credit Card. An unlimited 1.5 percent cash back on all purchases makes this card a low-maintenance option for everyday earning. It also features a welcome offer of a $200 cash bonus after spending $500 in the first 3 months. Plus, this card currently comes with a 15-month introductory 0% APR window on purchases (14.99% – 24.99% variable APR after that), giving cardholders some financial flexibility.
Travelers and those willing to commit to a $95 annual fee in exchange for a higher rewards rate should consider the Capital One Venture Rewards Credit Card. In addition to unlimited 2X miles on every purchase, cardholders can earn 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.
Capital One offers several cards that allow balance transfers. If you’re unfamiliar, a balance transfer is a common debt-relief strategy of transferring debt from one or more credit cards to a different account. Ideally, the balance transfer card comes with an intro 0% APR offer, so the transferred debt can be carried at zero-interest for a number of months. By avoiding interest and organizing your debts into one spot, you’ll make paying down your outstanding balance significantly easier.
Bankrate’s personal finance experts have evaluated the top Capital One cards according to our 5-star rating system. The list of criteria for rating credit cards includes:
Whether the card offers cash back, travel points/miles or multi-purpose rewards for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).
Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
Whether the card charges an annual fee and if so, how much the card’s overall value and benefits might offset the fee.
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card’s overall value.
How the card’s annual percentage rate (APR) compares with current averages as an indicator of cost and value.
Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card’s overall value.
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.
* 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.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
