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Capital One offers an impressive lineup of credit cards for a variety of financial needs, including cash back, travel, business and credit-building. If you do most of your banking online, then you’ll enjoy the digital account management that Capital One credit cards offer. Here’s a look at the best cards available from our credit card partner Capital One.
Bankrate's Top Picks for Capital One Credit Cards:
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$200
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Recommended credit
Good to Excellent (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.
If you're looking for simple, above-average cash rewards you can earn every day on every purchase you make, look no further. Enjoy at least 1.5 percent cash back on everything you buy with this card—without thinking twice about annual fees, purchase categories, or bonus category activation.
There’s no need to track spending categories or enrollment dates with this card.
There is a 0 percent intro APR on purchases for 15 months with this card (then 16.49 to 26.49 percent variable APR). 3% fee on the amounts transferred within the first 15 months.
Cons
This card is fairly light on extra cardholder perks.
You could earn higher cash back rates in certain spending categories with other cards.
One-time $200 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
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
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 and balance transfers for 15 months; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
additional features
Purchase intro APR
0% intro on purchases for 15 months
Balance transfer intro APR
0% intro on balance transfers for 15 months
Best for dining and entertainment with no annual fee
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
8%
Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.
Intro offer
$200
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Recommended credit
Good to Excellent (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.
The Capital One SavorOne Cash Rewards Credit Card is one of the best rewards cards with no annual fee, especially if your spending is heavily focused in the dining and entertainment categories. This card is ideal for families and foodies alike, earning some of the most significant cash back rates in these categories.
Get some of the best bang for your buck on food purchases with this card as it offers unlimited 3 percent cash back on both grocery store purchases and dining (excluding superstores like Walmart® and Target®.
This card does not charge an annual fee, so you don’t have to earn enough cash back to cover the cost of carrying the card.
Cons
You can’t redeem rewards for airline travel costs.
There is a 3 percent balance transfer fee with this card.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
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 and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
2X
Earn unlimited 2X miles on every purchase, every day.
Intro offer
75,000 miles
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
Annual fee
$95
Regular APR
17.49% - 25.49% (Variable)
Recommended credit
Good to Excellent (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.
This card was created with the traveler in mind and now your miles will get you even further. Cardholders can transfer miles to over 15 leading travel loyalty programs at generous transfer rates. It's easy to redeem your miles for travel and there are a whole host of other travel-related perks.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
N/A
Intro offer
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (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.
Build your credit by using this card responsibly and you'll be on your way to a higher credit score. Although it doesn't offer rewards, this card comes with excellent secondary perks like automatically being considered for a higher credit line in as little as six months after demonstrating responsible use by paying bills on time.
You won’t be required to put down a security deposit with this card.
Cons
The regular APR for this card is steep at 26.99 percent variable.
There are no cash back rewards, miles, or points you can earn with this card.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
1.25X
Earn unlimited 1.25X miles on every purchase, every day.
Intro offer
20,000 miles
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Recommended credit
Good to Excellent (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.
For travelers who like to leave it all behind, including the annual fee, the Capital One VentureOne Rewards Credit Card offers a low-cost alternative to premier travel cards. The VentureOne earns 1.25X miles on all purchases and also lets you take advantage of Capital One’s flexible, versatile program.
There is a 0 percent intro APR on purchases for 15 months with this card (then 16.49 to 26.49 variable APR). 3% fee on the amounts transferred within the first 15 months.
Cons
Redeeming for non-travel options, such as Amazon.com or PayPal purchases, will reduce the value of your miles.
The 15-month intro APR offer on purchases is shorter than other intro APR offers.
$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
2%
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Intro offer
Up to $1,000 cash bonus
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Annual fee
$150
Regular APR
N/A
Recommended credit
Good to Excellent (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.
If your everyday expenses go in a lot of directions, the Capital One Spark Cash Plus can make it easier to direct cash back into your business. You won’t have to devise a strategy for spending big in specific categories and this is a charge card, a notable perk for business owners who have no interest in carrying a balance from month to month.
You can claim your rewards at any time and in any amount.
Your rewards will never expire as long as your account remains active.
Cons
You’re required to pay your balance in full every month with this charge card.
There is a $150 annual fee to hold this card.
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
Earn an annual $200 cash bonus every year you spend $200,000 or more
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Add employee cards for free, and earn unlimited 2% cash back from their purchases
$150 annual fee
Spark Cash Plus has no APR because your balance is due in full every month
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
N/A
Annual fee
$39
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (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.
People with fair credit can still earn respectable, flat-rate cash back rewards thanks to this card. With responsible use and Capital One’s credit-monitoring tools, you may eventually be eligible to upgrade to the no-annual-fee Capital One Quicksilver Cash Rewards Credit Card.
There is a low barrier of entry to be approved for this card (recommended for fair to good credit ranges of 580 to 740).
There is potential for a credit limit increase after demonstrating responsible use via six months of on time payments.
Cons
The annual fee that comes with this card ($39) can limit its long-term value.
There are no intro APR offers on purchases or balance transfers.
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
8%
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$100
Limited Time Offer: Earn $100 when you spend $100 in the first three months
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Recommended credit
Fair to Good (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.
Building good credit habits requires attention and responsibility. For some, keeping track of rewards bonus categories is a distraction. If you’d like to earn consistent rewards without a second thought, the Capital One Quicksilver Student Cash Rewards Credit Card is a great choice.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
10X
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X
5X miles on flights booked through Capital One Travel.
2X
Earn unlimited 2X miles on all other purchases
Intro offer
75,000 miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Annual fee
$395
Regular APR
18.49% - 25.49% (Variable)
Recommended credit
Excellent (740 - 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.
This souped-up version of Capital One’s popular Venture cards combines premium perks like airport lounge access with a generous return on travel purchases and flexible redemption options. Plus, there’s a notable anniversary bonus (10,000 bonus miles, equal to $100 towards travel, every year, starting on your first anniversary).
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
The card charges no foreign transaction fees and gives you an up to a $100 credit for Global Entry or TSA PreCheck®.
Cons
Some will balk at the high ($395) annual fee, but it’s lower than competing luxury travel cards.
Capital One is short on domestic U.S. carriers when it comes to transfer partners.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
N/A
Intro offer
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
No Credit History
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.
This card offers reporting to the three major credit bureaus, which separates it from other secured cards. Use of the card may entitle you to a higher line of credit without any additional deposits as you will be automatically considered for a higher credit line in as little as six months by demonstrating responsible use with on-time monthly payments.
Cardholders can focus on building a better credit history without the distraction of trying to earn the most cash back, points, or miles.
You can put down a security deposit as low as $49 and still get at least a $200 starting credit limit.
Cons
The regular APR for this card is high at 26.99 percent variable.
A security deposit is required for this card as collateral.
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
2X
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Intro offer
50,000 miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Annual fee
$0 intro for first year; $95 after that
Regular APR
22.49% (Variable)
Recommended credit
Good to Excellent (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.
The Capital One Spark Miles for Business offers an easy way to earn miles and get more value out of the money you spend on business travel. You can book travel directly through Capital One Travel or transfer miles to any of the Capital One travel partners serving North America, Asia, Europe and other regions.
The $95 annual fee is $0 intro for the first year.
There are 15+ travel partners where you can transfer miles.
Cons
The value for redemption options outside of travel is quite low.
There are no intro APR offers on purchases or balance transfers.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
8%
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
Earn 1% on all other purchases.
Intro offer
$100
Limited Time Offer: Earn $100 when you spend $100 in the first three months
Annual fee
$0
Regular APR
16.49% - 26.49% (Variable)
Recommended credit
Fair to Good (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.
Student life is all about finding a balance between fun and staying on budget. Luckily, this card’s student-centric rewards program can help you do both. The rewards categories target common expense categories for students, earning 3 percent cash back on dining, entertainment, and popular streaming services (at least 1 percent on all other purchases). The card also has a generous welcome offer; students only have to spend $100 in the first three months to earn $100 back.
This card has a practical touch, earning 3 percent cash back on grocery store purchases (excluding superstores like Walmart® and Target®).
There is no annual fee or foreign transaction fee associated with this card.
Cons
Superstores like Target and Walmart do not count for the 3 percent cash back rate.
The regular APR is high with this student card at 16.49 to 26.49 percent variable.
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
Limited Time Offer: Earn $100 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Pick the monthly due date that works best for you
Build your credit with responsible card use
Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, everywhere
Intro offer
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
No Credit History
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.
This new secured credit card from Capital One stands out for two reasons. First, it doesn’t charge an annual fee. Second, it offers unlimited 1.5 percent cash back on every purchase and 5 percent cash back on hotels and rental cars booked through Capital One Travel (terms apply), a true rarity for the secured credit card category.
There’s no annual fee, which is (relatively) rare for a secured credit card.
This card also skips foreign transaction fees.
Cons
The 26.99 percent variable APR is high, so you’ll want to avoid carrying a balance on this card.
For undisciplined spenders looking to rebuild credit, a rewards program could prove distracting.
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
1%
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
Intro offer
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (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.
Get a head start on building your credit by using this student card responsibly while in college. You'll earn at least 1 percent cash back on every purchase made, with the opportunity to boost that rewards rate to 1.25 percent for the month each month you pay your bill on time.
You can earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Automatically be considered for a credit line increase after six months of demonstrated responsible use via on-time payments.
Cons
This card does not offer cell phone insurance, a common perk among other student cards.
There are no intro APR offers on purchases or balance transfers.
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
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Pick the monthly due date that works best for you
Pay for Amazon.com purchases using your Capital One rewards
Pay for online purchases with virtual card numbers and keep your actual card number to yourself
Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
Build your credit with responsible card use
additional features
Purchase intro APR
N/A
Balance transfer intro APR
N/A
The information about the Capital One Savor Cash Rewards Credit Card was collected independently by Bankrate.com. The card details haven’t been reviewed or approved by the card issuer.
Compare our top picks for Capital One credit cards
A closer look at our best Capital One credit cards
Capital One Quicksilver Cash Rewards: Best for simple cash back
What we love about the Capital One Quicksilver: It’s a simple cash back card with no annual fee that earns at least an unlimited 1.5 percent back on all purchases.
Who this card is good for: Cash back beginners. If you’re considering getting a rewards card, this is a great entry point to test the waters of cash back credit cards.
Alternatives: The Citi® Double Cash card earns a little bit more cash back (1 percent when you use the card and 1 percent as you pay your bill) without an annual fee as well. If you’re a disciplined credit user who always pays their bill, this card could prove more rewarding.
Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment with no annual fee
What we love about the SavorOne card: It has alluring rewards rates on dining and grocery stores (excluding Walmart and Target), along with select streaming services, making it an easy way to earn on food and your favorite TV shows.
Who this card is good for: Homebody foodies and social butterflies. The 3 percent back on its food-related categories make it a lucrative card for both outgoing people and couch potatoes.
Alternatives: If you’re a foodie who also loves traveling, then the American Express® Gold Card offers rewards on categories that you probably spend the most in. Just watch out for its annual fee.
Capital One Venture Rewards Credit Card: Best for travel rewards
What we love about the Venture Rewards card: Capital One’s transfer partners and this comparatively low annual fee make it a solid first choice for earning miles on everyday purchases. Plus, you can get statement credits for travel-related purchases made in the previous 90 days.
Who this card is good for: Casual travelers—its 2X miles on everyday purchases in addition to its 5X miles on hotels and cars booked through Capital One Travel is just enough to fund the occasional trip.
Alternatives: The Venture Rewards’ direct competitor, Chase Sapphire Preferred® Card, offers similar rewards rates, annual fee and sign-up bonus, but higher points value when booking through the issuer’s travel portal. Choosing between the two will come down to comparing the issuers’ travel partners.
Capital One Platinum Credit Card: Best for limited credit history
What we love about the Capital One Platinum: It has a relatively low recommended credit score requirement of 580 to 740 and you’ll get an automatic credit line increase review after six months.
Who this card is good for: The serious credit-builder who wants to improve their score with responsible use and healthy financial habits.
Alternatives: If you want to earn modest rewards while you build credit, the Petal® 2 “Cash Back, No Fees” Visa® Credit Card will let you do just that. Just keep in mind that the distraction of rewards could shift your focus from building credit.
Capital One VentureOne Rewards Credit Card: Best for no annual fee travel rewards
What we love about the VentureOne Rewards card: This card comes with an attainable sign-up bonus (20,000 bonus miles if you spend $500 within the first three months) plus a simple, low-cost way to earn miles on everyday purchases for no annual fee.
Who this card is good for: The budget traveler who wants a no annual fee travel rewards card to start earning miles.
Alternatives: Any of Capital One’s other travel rewards cards earn higher rewards rates, at the cost of an annual fee. If you don’t mind the cost of carrying one of the issuer’s other travel cards, you will definitely find more value in them.
Capital One Spark Cash Plus: Best for small businesses
What we love about the Spark Cash Plus: Earning a flat 2 percent back on all purchases makes for consistent rewards on business expenses, so we love that it’s a no-hassle business card.
Who this card is good for: Small-business owners looking to earn high cash back rewards without keeping track of bonus or rotating categories.
Capital One QuicksilverOne Cash Rewards Credit Card: Best for fair credit
What we love about the QuicksilverOne Cash Rewards card: It’s an entry for people with fair credit to earn rewards without shelling out a super-high annual fee or turning to a secured credit card. Plus, cardholders are automatically considered for a higher line of credit in as few as six months with on-time payments.
Who this card is good for: People with fair credit who want to improve their score while earning modest rewards.
Alternatives: While the QuicksilverOne is worth it if you have fair credit, you might be able to qualify for rewards with no annual fee if your score is on the cusp of good credit. We recommend its upgrade to the Quicksilver, which has the same rewards rate but with no annual fee.
Capital One Quicksilver Student Cash Rewards Credit Card: Best overall card for students
What we love about the Quicksilver Student: Its 1.5 percent flat-rate cash back on all purchases and 5 percent cash back on hotels and rental cars booked through Capital One Travel (terms apply) is a rarity for student cards. You can also earn $100 when you spend $100 in the first three months.
Who this card is good for: Students who want to earn substantial cash back rewards right away without too much hassle.
Alternatives: There aren’t many comparable student cards, but if you’re a student that can handle rotating and bonus categories, the Discover it® Student Cash Back and SavorOne Student Cash Rewards cards will serve you well.
Capital One Venture X Rewards Credit Card: Best for premium travel benefits
What we love about the Venture X card: Compared to other luxury travel cards, its lower annual fee makes it an affordable way to earn premium benefits and rewards on par with industry leaders.
Who this card is good for: Luxury travelers who want to ball on a budget.
Alternatives: It’s hard to find a true alternative to the Venture X, but if you really don’t want to cough up hundreds of dollars for the annual fee, then consider cards with low or no annual fees like Capital One’s other Venture travel rewards credit cards.
Capital One Platinum Secured Credit Card: Best for bad credit
What we love about the Capital One Platinum Secured: It has a pretty low security deposit, even among secured credit cards, starting as low as $49. This factor makes it easier for people with little funds to start building credit.
Who this card is good for: Anyone who wants to start their credit-building journey and needs a low barrier of entry to do so.
Alternatives: If you can put down at least a $200 security deposit, the Citi® Secured Mastercard® might be a better choice because of its lower ongoing APR (24.74 percent variable). On the other hand, the First Progress Platinum Prestige Mastercard® Secured Credit Card has an even lower APR (12.24 percent variable) with the same security deposit requirements.
Capital One Spark Miles for Business: Best for business travel rewards
What we love about the Spark Miles for Business: The unlimited 2X miles earning rate on all purchases can help businesses reap rewards on their spending and employee spending. Plus, Capital One’s list of travel partners boost the value of miles.
Who this card is good for: Business owners and their employees who travel occasionally for work.
Alternatives: For no annual fee, The Blue Business® Plus Credit Card from American Express offers a similar rewards rate, but a $50,000 cap on 2X points, then 1X points. If your business spends less than that, then it’s a worthy and cheaper alternative.
Capital One SavorOne Student Cash Rewards Credit Card: Best for on-the-go-students
What we love about the SavorOne Student: This student card offers exciting rewards rates on categories that students typically spend in—dining, streaming, grocery stores (excluding Walmart and Target) and entertainment. You can also earn $100 when you spend $100 in the first three months.
Who this card is good for: Independent students with the income to spend meaningfully in the boosted categories to take full advantage of the cash back rate.
Alternatives: Targeted spending can be difficult in the schedule of a busy student. A card like the Chase Freedom® Student credit card, that rewards all purchases with 1 percent cash back and $20 Good Standing award every account anniversary for five years is a solid alternative.
Capital One Quicksilver Secured Cash Rewards Credit Card: Best secured card for flat-rate rewards
What we love about the Quicksilver Secured Cash Rewards: The fact that you can build credit and earn some rewards for no annual fee makes this card loveable.
Who this card is good for: People with bad, thin or no credit who can’t qualify for non-secured rewards credit cards.
Alternatives: The flat 1.5 percent cash rewards on a secured card is hard to beat, but the Discover it® Secured Credit Card may prove a worthy competitor. Its 2 percent back at gas stations and restaurants (on up to $1,000 per quarter, then 1 percent) are key earning categories that edge out the Quicksilver Secured.
Journey Student Rewards from Capital One: Best for responsible students
What we love about the Journey Student Rewards: This card instills responsible credit usage in students by rewarding a 0.25 percent cash back increase for every month they pay their bill on time—that’s an unlimited 1.25 percent in potential cash back.
Who this card is good for: Responsible students who always pay their bill on time.
Alternatives: There are other student cash rewards cards on the market that earn higher rates, like the SavorOne Student. However, the Journey Student card is fantastic for establishing and rewarding responsible credit card use.
Capital One is a full-service bank that offers personal loans, checking and savings accounts, mortgages and credit cards. Established in 1994, it’s one of the relatively younger financial companies, but offers industry-leading products and credit cards.
Credit card variety: Capital One has a long lineup of cards designed for a variety of spending habits.
Credit range: Whether you have bad credit or excellent credit, Capital One has a card designed to help you achieve your financial goals.
Travel benefits: No Capital One cards charge foreign transaction fees, saving you 3 percent to 5 percent per transaction.
Cons
Annual fees: Many Capital One cards have an annual fee, however some cards have it waived in the first year.
Regular APR: Many cards offered by Capital One have a relatively high regular APR, so cardholders will want to avoid carrying a large balance.
Competition: Capital One only offers one high-end credit card, meaning its competitors may offer more in terms of rewards and overall value.
Who should get a Capital One credit card?
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. For example, Capital One’s VentureOne, Venture, and Venture X cards are geared specifically toward travel rewards and are among the best travel credit cards available.
Capital One offers a variety of flat-rate credit cards like the Quicksilver and QuicksilverOne to maximize your spending on everyday purchases and several that allow you to capitalize on a selection of bonus categories.
Capital One’s SavorOne credit cards for students and non-students alike 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. Consider the Platinum, Platinum Secured and Quicksilver Secured cards to start or repair your credit score.
You can use Capital One business credit cards to earn valuable rewards and boost your bottom line. The Spark Miles for Business and Spark Cash Plus cards offer rewards for spending that your business does every day.
Still unsure if a Capital One credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.
Capital One credit card benefits
From travel to cash back to business cards, Capital One has a variety of credit card options for various credit scores and spending habits. Here is a rundown of what else Capital One has to offer:
Eno® Your Intelligent Assistant from Capital One allows you to keep tabs on your account with texting, balance checking options, transaction review and bill payment.
You’ll have access to 24/7 customer service support.
Capital One offers Proactive Account Alerts via email and text to keep you updated on account happenings
With the Capital One Mobile App, you can view your balance and transactions, pay your bill and more.
CreditWise® from Capital One helps you monitor your credit for free, without hurting your score.
How to choose a Capital One credit card
Capital One has a number of credit card offerings, enough to suit the needs of almost any cardholder. When deciding on a Capital One card, consider what its primary function will serve as a financial tool and narrowing your choices will be simple. Consider the following when choosing a Capital One card:
What’s your credit score?
Capital One has options for consumers at nearly every credit level, so almost anyone can get a Capital One credit card. On the other hand, your credit score will impact the specific Capital One cards you qualify for. If you’re looking to get rewards from your credit card, consider that the most lucrative rewards cards from Capital One will be reserved for consumers with good-to-excellent credit. Take a look at Bankrate’s CardMatch™ tool to connect you with credit cards that best suit your needs.
How will you use the card?
Where do you do the bulk of your spending? Consider the answer before deciding on a Capital One credit card. Will you be trying to earn free or discounted travel? Or are you looking to finance a significant purchase? Analyzing your answers should help you determine the perks and drawbacks of each card.
Can you stick to best practices?
While a Capital One credit card can provide a number of benefits when used strategically, it may also lead to an increase in debt, a negative impact on your credit score or growing interest charges if you’re not careful. Consider the following best practices and, if you can, stick to them when deciding on a Capital One credit card:
Paying your balance on time and in full each month. Paying your balances in full and on time helps you to avoid interest charges. On time payments will also be reported to the three credit bureaus, helping you to improve your credit score over time.
Making your payments on time every time. Again, on time payments are one of the major influences on your credit score. Late payments will negatively affect your credit score, and usually cost you a late fee as well.
Only charging what you can afford. Your credit utilization ratio is another one of the criteria used to determine your credit score. The lower your utilization ratio the more favorable impact it will have on your credit score. Try to keep your credit utilization ratio below 30 percent.
Bankrate Insight
The Capital One mobile app remains one of the top-rated finance apps on the market. It has a 4.8 review score in the Apple app store and a 4.7 review score in the Google Play store, currently ranking in the top 10 free finance apps in both stores.
Capital One travel rewards program overview
The Capital One travel rewards program offers a decent amount of flexibility when it comes to earning miles. Capital One offers the Venture X, 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, and now most Capital One miles can be transferred to travel partners at a 1:1 ratio. Additionally, with Capital One, you can redeem rewards for travel, gift cards or as a statement credit for travel booked in the past 90 days (including Airbnb) on your Capital One card.
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 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 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.
$500 x 12 months x 1.25X miles x $0.0185 = $138.75
Rewards structure
Unlimited 2X miles on every purchase
Unlimited 1.25X miles on every purchase
Annual fee
$95
$0
Welcome bonus
75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel * $0.0185
20,000 bonus miles when you spend $500 in the first 3 months from account opening (worth $200 toward travel) * $0.0185
First-year value
$1514.50 (including the welcome offer)
$508.75 (including welcome offer)
How to get a Capital One credit card
So, you’ve decided you want a Capital One credit card. Here’s the process of applying for and getting a Capital One card:
Check your credit score. As with any card issuer, there are credit score requirements for each product. If you have at least a fair credit score (580 and above), there are several cards to choose from. However, having excellent credit over 800 will give you the pick of the lot.
Look at prequalification. Capital One has a prequalification tool that lets you see which of its cards you might best qualify for. You can also use Bankrate’s CardMatch™ to get personalized offers.
Fill out the application. Once you’ve chosen the best Capital One card for you, head to the issuer’s site and start the application process. You need to provide your name, date of birth, address, Social Security number, estimated income and your checking or savings account information.
Get your decision. You’ll know quickly whether you’ve been approved or denied for the credit card. If you’re denied, Capital One is required by law to send you a letter explaining why.
How we chose our top Capital One credit cards
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:
Rewards
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).
Perks and benefits
Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
Annual fee
Whether the card charges an annual fee and if so, how much the card’s overall value and benefits might offset the fee.
Introductory offers
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.
Variable APR
How the card’s annual percentage rate (APR) compares with current averages as an indicator of cost and value.
Foreign transaction fee
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.
Frequently asked questions about Capital One credit cards
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:
The account was opened within the last few months.
The card is a secured credit card.
You’ve received a credit line increase or decrease in recent months.
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.
As the only Capital One card available to those with bad credit, the Capital One Platinum Secured Credit Card is the “easiest” option. 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.
Although determining a “best” option calls for evaluating your own financial situation first, Capital One has a few leading credit cards to consider:
The Capital One Venture X card, best premium travel card
Capital One Quicksilver Cash Rewards card, best cash back credit card
The Capital One SavorOne, best dining and grocery store credit card
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 percent APR offer, so the transferred debt can be carried at zero interest for a number of months. Learn more about doing a balance transfer with Capital One.
You can set up online payments with Capital One or use the Capital One Mobile® app to make immediate payments, schedule payments in advance, view your balance and activity, and more. To make sure your bills are regularly paid, we recommend setting up automatic payments.
If you're looking to pay your credit card bill with a debit card, you'll have to call the customer service department at 1(800) 227-4825.
Most of Capital One’s best credit cards require good credit, so it’s not necessarily hard to get approved for one. If your credit isn’t fair, good, very good or excellent, you might be able to get approved for a secured credit card or one of Capital One’s student credit cards.
Capital One credit cards are competitive with some of the best credit cards on the market, especially when it comes to affordable cash back and travel options. There is one area where the bank falls short—the lack of high-end credit cards. You'll want to look elsewhere if you're seeking luxury perks and premier rewards.
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.
As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge.
* 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.
Advertiser Disclosure
Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
