Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Intro bonus
$200 
Annual fee
$0
Regular APR
14.99% - 24.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for dining and entertainment with no annual fee

Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 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 bonus
$200 
Annual fee
$0
Regular APR
14.99% - 24.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Capital One's secure site
Terms Apply
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 bonus
60,000 miles 
Annual fee
$95
Regular APR
15.99% - 23.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for people with limited credit history

Apply now
On Capital One's secure site
Terms Apply
Rewards rate

N/A

Intro bonus
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (580 - 740)

Best for no annual fee travel rewards

Apply now
On Capital One's secure site
Terms Apply
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 bonus
20,000 miles 
Annual fee
$0
Regular APR
14.99% - 24.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)

Best for small businesses

Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Intro bonus
Up to $1,000 cash bonus 
Annual fee
$150
Regular APR
N/A
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Intro bonus
N/A
Annual fee
$39
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (580 - 740)
Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Intro bonus
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (580 - 740)

BEST FOR PREMIUM TRAVEL BENEFITS

Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
  • 2X Earn unlimited 2X miles on all other purchases
Intro bonus
100,000 miles 
Annual fee
$395
Regular APR
16.99% - 23.99% (Variable)
Recommended credit
Excellent (740 - 850)

Best for consumers with bad credit

Apply now
On Capital One's secure site
Terms Apply
Rewards rate

N/A

Intro bonus
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
No Credit History 

Best for business travel rewards

Apply now
On Capital One's secure site
Terms Apply
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 bonus
50,000 miles 
Annual fee
$0 intro for first year; $95 after that
Regular APR
20.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)
Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
  • 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 bonus
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (580 - 740)

BEST SECURED CARD FOR FLAT-RATE REWARDS

Apply now
On Capital One's secure site
Terms Apply
Rewards rate
  • 1.5% Earn unlimited 1.5% cash back on every purchase, everywhere
Intro bonus
N/A
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
No Credit History 
Apply now
On Capital One's secure site
Terms Apply
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 bonus
Up to $60 in streaming subscription credits 
Annual fee
$0
Regular APR
26.99% (Variable)
Recommended credit
Fair to Good (580 - 740)

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.


Top picks for Capital One credit cards

Here’s a look at the best Capital One credit cards for 2022, 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 Spark Cash Plus Small businesses 4.2 / 5
(Read full card review)
Capital One QuicksilverOne Cash Rewards Credit Card Fair credit 3.4 / 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 Venture X Rewards Credit Card Premium travel rewards 4.5 / 5
(Read full card review)
Capital One Platinum Secured Credit Card Consumers with bad credit 3.0 / 5
(Read full card review)
Capital One Spark Miles for Business Travel business card 4.0 / 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)
Journey Student Rewards from Capital One Responsible students 2.8 / 5
(Read full card review)

A closer look at our best Capital One credit cards

Capital One Quicksilver Cash Rewards Credit Card

Best for simple cash back

  • This card is best for: If you like the rewards rate but are looking for a card that’s easier to qualify for, this is a great low-maintenance card for earning cash back.
  • This card is not a great choice for: Those who want a higher rewards rate for specific bonus spending categories.
  • What makes this card unique? The Capital One Quicksilver Cash Rewards Credit Card is a no annual fee card that allows you to earn 1.5 percent cash back on every eligible purchase and there’s a $200 sign-up bonus when you spend $500 within your first 3 months of account opening.
  • Is the Capital One Quicksilver Cash Rewards Credit Card worth it? This is a popular card that’s worth its while for cardholders who want a straightforward cash back card that earns rewards on all purchases. Other than the possible interest, there are no ongoing fees or bonus categories to worry about.

Read our Capital One Quicksilver Cash Rewards Credit Card review.
Jump back to offer details.

Capital One SavorOne Cash Rewards Credit Card

Best for dining and entertainment with no annual fee

  • This card is best for: Anyone who wants to earn rewards for spending on a wide variety of categories, especially foodies.
  • This card is not a great choice for: Those who want to rack up rewards on travel purchases.
  • What makes this card unique? The Capital One SavorOne Cash Rewards Credit Card allows for 3 percent cash back earnings on dining and entertainment, plus an inviting bonus offer for those who spend at least $500 within the first three months of opening the account. Plus, starting May 18, 2021, you can also earn 3 percent cash back on popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®).
  • Is the Capital One SavorOne Cash Rewards Credit Card worth it? The sheer variety of this card’s bonus cash back categories while requiring no annual fee and offering a generous introductory bonus make it one of the best cash back cards on the market, especially for foodies.

Read our Capital One SavorOne Cash Rewards Credit Card review.
Jump back to offer details.

Capital One Venture Rewards Credit Card

Best for travel rewards

  • This card is best for: Anyone who wants a flat-rate travel rewards card that allows you to redeem miles to offset travel purchases and everyday expenses.
  • This card is not a great choice for: Those who will not spend enough to receive the sign-up bonus or offset the $95 annual fee.
  • What makes this card unique? The Capital One Venture Rewards Credit Card offers unlimited 2X miles on all eligible purchases, up to $100 credit for Global Entry or TSA PreCheck application fee and cardholders will not be subject to foreign transaction fees.
  • Is the Capital One Venture Rewards Credit Card worth it? The Capital One Venture Rewards Credit Card is a worthwhile option if you prefer simple flat-rate rewards or if you don’t spend enough on travel to justify a bonus category card.

Read our Capital One Venture Rewards Credit Card review.
Jump back to offer details.

Capital One Platinum Credit Card

Best for limited credit history

  • This card is best for: Anyone who wants to build their credit history with responsible use and healthy financial habits.
  • This card is not a great choice for: Those who want to be rewarded for regular spending or receive a sign-up bonus.
  • What makes this card unique? The Capital One Platinum gives those pursuing fair credit (FICO score between 580 and 669) an opportunity to prove their creditworthiness so they can upgrade to a better credit card in the future.
  • Is the Capital One Platinum Credit Card worth it? If you have fair credit and do not want to pay an annual fee, this card is a solid choice. Just make sure to keep a low balance and always pay your credit card bill early or on time because the regular APR (26.99 percent variable) can be unforgiving.

Read our Capital One Platinum Credit Card review.
Jump back to offer details.

Capital One VentureOne Rewards Credit Card

Best for no annual fee travel rewards

  • This card is best for: Anyone who wants a no annual fee travel rewards card with an attainable sign-up bonus to boost your first-year earnings.
  • This card is not a great choice for: Those who want a higher rewards rate for specific bonus spending categories.
  • What makes this card unique? The Capital One VentureOne Rewards Credit Card is a simple, low cost travel card that allows you to earn miles (5X miles per dollar on hotels and rental cars booked through Capital One Travel; 1.25X miles per dollar on all other eligible purchases) on your daily purchases and boost your earnings with an attainable sign-up bonus (20,000 bonus miles if you spend $500 within the first three months).
  • Is the Capital One VentureOne Rewards Credit Card worth it? This card is a strong choice for those looking to earn a modest amount of miles while avoiding paying an annual fee. However, those with good credit may see better value from a higher-tier Capital One card or another one of the top travel rewards cards.

Read our Capital One VentureOne Rewards Credit Card review.
Jump back to offer details.

Capital One Spark Cash Plus

Best for small businesses

  • This card is best for: Small business owners looking to earn high cash back rewards without keeping track of spending categories.
  • This card is not a great choice for: People who may not have the cash flow in their business to cover the annual fee.
  • What makes this card unique? Small business owners can earn unlimited 2 percent cash back on all purchases, making it a bit easier to earn consistent rewards on business expenses. There’s also the opportunity to earn cash bonuses with certain terms and conditions.
  • Is the Capital One Spark Cash Plus worth it? For small businesses with the cash flow to handle an $150 annual fee, the Capital One Spark Cash Plus is a great way to earn consistent and high cash back rewards on purchases. If you’re looking to earn some of the cash bonuses but you’re worried about the spending requirements, there may be other cards on the market that offer a different set of rewards that better fit your needs.

Read our Capital One Spark Cash Plus Review..
Jump back to offer details.

Capital One QuicksilverOne Cash Rewards Credit Card

Best for fair credit

  • This card is best for: Anyone with fair credit who wants to improve their score through responsible use and earn a respectable amount in cash back rewards.
  • This card is not a great choice for: Those who want to receive a sign-up bonus or carry a large balance (regular APR is 26.99 percent variable).
  • What makes this card unique? The Capital One QuicksilverOne Cash Rewards Credit Card provides cash back rewards on every purchase and is one of the few cards that is available to those with fair credit. Plus, cardholders are automatically considered for a higher line of credit in as few as six months with on-time payments.
  • Is the Capital One QuicksilverOne Cash Rewards Credit Card worth it? If you have fair credit, this card is very much worth it. There aren’t many rewards credit cards available for those with fair credit, so you can use this to both build your credit and get cash back on all your purchases, but keep the $39 annual fee in mind.

Read our Capital One QuicksilverOne Cash Rewards Credit Card review.
Jump back to offer details.

Capital One Quicksilver Student Cash Rewards Credit Card

Best overall for students

  • This card is best for: Students who want to earn substantial cash back rewards right away without too much hassle.
  • This card is not a great choice for: Students looking to take advantage of even higher cash back rewards in certain spending categories.
  • What makes this card unique? The Capital One Quicksilver Student Cash Rewards card has one of the highest flat-rate cash back rewards rates for students. Students can earn unlimited 1.5 percent cash back on all purchases
  • Is the Capital One Quicksilver Student Cash Rewards Credit Card worth it? Students who want to earn considerable cash rewards quickly will fare well with the Capital One Quicksilver Student Rewards card. There’s no annual fee or foreign transaction fees, so you don’t have to worry too much about onerous charges.

Read our Capital One Quicksilver Student Cash Rewards Credit Card review.
Jump back to offer details.

Capital One Venture X Rewards Credit Card

Best for premium travel benefits

  • This card is best for: Anyone who wants a flat-rate travel rewards card that allows you to redeem miles to offset travel purchases and everyday expenses.
  • This card is not a great choice for: Those who will not spend enough to receive the sign-up bonus or offset the $395 annual fee.
  • What makes this card unique? While the $395 annual fee may feel steep, it’s actually significantly lower than the annual fee charged by comparable premium travel credit cards on the market – namely, the Chase Sapphire Reserve®, which charges a $550 annual fee, and The Platinum Card® from American Express, which charges a $695 annual fee (Rates and fees). Plus, there’s an anniversary bonus (10,000 miles, equal to $100 towards travel, every year, starting on your first anniversary).
  • Is the Capital One Venture X Rewards Credit Card worth it? The annual fee might be eye-popping for some at first glance. However, the card itself can provide a ton of value, even for semi-frequent travelers, especially when you consider you can recoup a large chunk of that charge by just using the up to $300 back in annual statement credits for bookings through Capital One Travel.

Read our Capital One Venture X Rewards Credit Card review.
Jump back to offer details.

Capital One Platinum Secured Credit Card

Best for bad credit

  • This card is best for: Anyone who wants to start their credit-building journey and needs a low barrier to entry to do so.
  • This card is not a great choice for: Those who want to be rewarded for their spending or carry a large balance (regular APR is 26.99 percent variable).
  • What makes this card unique? The Capital One Platinum Secured Credit Card is a smart option among secured credit cards since it doesn’t come with an annual fee, and you can get started building credit with a security deposit as low as $49. In addition, you will be automatically considered for a higher line of credit in as little as six months with on-time monthly payments.
  • Is the Capital One Platinum Secured Credit Card worth it? If you have bad credit and need easy approval, this card can set you on the right path to prove your creditworthiness and earn a higher credit limit over time.

Read our Capital One Platinum Secured Credit Card review.
Jump back to offer details.

Capital One Spark Miles for Business

Best for business travel rewards

  • This card is best for: Small business owners on the hunt for travel rewards that also like the appeal of other flat-rate Capital One rewards cards.
  • This card is not a great choice for: Those who want a host of premium travel perks.
  • What makes this card unique? Business owners and their employees will collect unlimited 2X miles spent on all purchases. By spending $4,500 in combined purchases within your first three months, you can earn 50,000 miles, which can be boosted higher by finding a great deal through a Capital One transfer partner.
  • Is the Capital One Spark Miles for Business worth it? The opportunity to earn unlimited 2X miles on all purchases could be huge for small business owners with expenses that surpass or fall outside the scope of traditional bonus categories. Although this card’s $95 annual fee is $0 intro in the first year, there are competing cards that offer higher rewards rates and more features to justify such a fee.

Read our Capital One Spark Miles for Business review.
Jump back to offer details.

Capital One SavorOne Student Cash Rewards Credit Card

Best for on-the-go students

  • This card is best for: Students who spend extensively in several popular spending categories like dining and entertainment.
  • This card is not a great choice for: Students who don’t spend widely across a few spending categories or who spend primarily in one category over others.
  • What makes this card unique? The Capital One SavorOne Student card allows students to take advantage of higher cash back rewards rates in several popular spending categories, including dining, entertainment and popular streaming services.
  • Is the Capital One SavorOne Student Cash Rewards Credit Card worth it? If you’re looking to spend considerably across a few specific spending categories, the Capital One SavorOne student Cash Rewards card will offer you some significant returns. If you’re looking for a bit more consistency and less hassle with keeping track of certain spending categories, another card on the market may work better for you.

Read our Capital One SavorOne Student Cash Rewards Credit Card Review.
Jump back to offer details.

Capital One Quicksilver Secured Cash Rewards Credit Card

Best secured card for flat-rate rewards

  • This card is best for: People with bad, thin or fair credit who can’t qualify for non-secured rewards credit cards.
  • This card is not a great choice for: People with good-to-excellent credit who can qualify for one of the non-secured versions of this card or another standout rewards credit card on the market.
  • What makes this card unique? The combination of a $0 annual fee and 1.5 percent cash back on all purchases is a true rarity as far as secured credit cards go. The card also features other hallmarks of a standout credit card for people with bad, thin or fair credit. Namely, it offers the opportunity for a credit limit increase after six months of demonstrated responsible use and touts a relatively low $200 minimum for refundable security deposits.
  • Is the Quicksilver Secured Cash Rewards Credit Card worth it? The consumer-friendly terms alone make the card a good fit for people with bad, thin or fair credit. The rewards program makes it a top pick among people looking to earn cash back who can’t yet qualify for an unsecured credit card.

Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.
Jump back to offer details.

Journey Student Rewards from Capital One

Best for responsible students

  • This card is best for: Responsible students who will always pay their bill on time.
  • This card is not a great choice for: Students looking to earn substantial cash back rewards.
  • What makes this card unique? The unlimited cash back rate on this card starts at 1 percent and students who use this card responsibly can earn a cash back increase to 1.25 percent for that month after paying each billing cycle on time. There’s also a fairly nice welcome offer for students who enjoy streaming services where you can earn up to $60 in streaming subscription credits for popular streaming services when you pay on time (exclusions apply).
  • Is the Journey Student Rewards from Capital One worth it? There are certainly other student cash rewards cards that offer higher rewards rates. However, the Journey Student Rewards is a great starting point for earning an unlimited cash rewards rate with the possibility of increasing those rewards over time. Plus, you might learn some smart spending habits along the way.

Read our Journey Student Rewards from Capital One review.
Jump back to offer details.


What is Capital One?

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.

Services offered by Capital One

  • Credit cards: both for businesses and personal accounts
  • Banking: both for businesses and personal accounts
  • Loans: business loans, auto loans and refinancing
  • Investing: both for businesses and personal accounts
  • Merchant services: for businesses
  • Commercial banking solutions: commercial lending and banking, wealth management services and more.

Source: Capital One Corporate Information

Bankrate Insight
Capital One secured the top spot for customer satisfaction in the 2020 J.D. Power National Banking study with a satisfaction score of 688 on a 1,000 point scale.

Pros and cons of Capital One credit cards

Pros

  • Rewards rate: Capital One has a broad range of rewards 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 offerings require you to pay 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 does not offer a truly high-end card, meaning its competitors may offer more in terms of rewards and overall value.

Capital One versus Chase: which card issuer is right for you?

Deciding on a credit card can be an overwhelming process. Narrowing your choices between Chase and Capital One is a good starting point as these are two of the largest credit card issuers. There are many similarities between Capital One and Chase credit card offerings, there are also key differences for consumers to pay close attention to.

Travel credit cards

Capital One miles and Chase Ultimate Rewards points can be redeemed for statement credits, travel experiences and general travel purchases. The Chase Ultimate Rewards program is one of the best travel rewards programs of any card issuer. One drawback? The main Chase travel cards, The Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® have annual fees attached to them.

If you’re happy taking a more relaxed approach to travel rewards, Capital One Venture cards will provide you with solid value, though not quite as much as the Chase Ultimate Rewards program.

Best for Travel rewards: Chase.

Cash back credit cards

For cash back cards the Capital One Savor and the Chase Freedom Flex℠ are top contenders for cash back cards. The Savor One touts a $300 cash back bonus (after spending $3,000 on purchases within the first three months of account ownership) and earns 4 percent cash back on dining and entertainment, 3 percent back at grocery stores and 1 percent on everything else. The Chase Freedom Flex comes with a $200 signup bonus (spend $500 on purchases in the first three months from account opening to secure it) and earns 3 percent cash back on dining at restaurants and at drugstores. Cardholders will also earn 5 percent cash back in rotating bonus categories. The 5 percent cash back is capped at $1,500 in purchases per quarter and you need to enroll each quarter (then 1 percent).

Ultimately you’ll earn more in common spending categories, like dining out, with the Capital One Savor card.

Best for Cash back: Capital One.

Business credit cards

Both Chase and Capital One offer solid options for business owners. The Ink Business Preferred® Credit Card from Chase and the Spark Cash Plus from Capital One, for example, both offer business owners a chance to earn rewards on business spending and travel. If you’re looking for a chance to earn rewards for your business expenses the Capital One Spark Cash plus offers the highest flat-rate cash back, 2 percent on all purchases, but the Chase Ink Business Preferred offers more lucrative rewards options for businesses. It prioritizes rewarding purchases like social media advertising and business travel. In addition to its generous signup bonus, 100,000 bonus points after spending $15,000 on purchases in the first 3 months, this card is unique among business rewards cards.

Best for Business: Chase

Who should get a Capital One credit card?

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 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
Capital One’s refer-a-friend program lets you earn bonuses for each friend that applies and is approved for a Capital One card with your referral link. The bonus you get is based on the product you have. For example, we’ve seen Capital One Quicksilver cardholders get a $100 bonus for each successful referral (up to $500 a year). You can find out your bonus amount by signing into your account.

Benefits of having Capital One cards

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:

Account management services

  • 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.

Apps and digital services

  • 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.

Travel and retail benefits

  • No Capital One cards charge foreign transaction fees, saving you 3 percent per foreign transaction.
  • Capital One will automatically monitor your transactions for suspicious activity, like excessive tips or duplicate charges. Also, you can lock and unlock your card instantly through the app.

Downsides of having a Capital One card

  • There are no high-end cards available from Capital One. High-end cards are more advantageous in terms of rewards and overall value.
  • Some of Capital One’s lower-end credit cards have low credit limits to match.
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.

Benefits of the Capital One travel rewards program

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, and now most Capital One miles can be transferred to travel partners at a 1 to 1 ratio. Here is a list of some of the airline transfer partners:

  • Aeromexico
  • Air Canada Aeroplan
  • Air France/KLM
  • Avianca
  • Cathay Pacific
  • Emirates Skywards
  • Etihad
  • EVA
  • Finnair
  • Qantas
  • Singapore KrisFlyer

Here are a few other perks:

  • You can redeem miles for travel, gift cards or as a statement credit for travel booked in the past 90 days on your Capital One card.
  • Redemption also includes spending on Airbnb.

Let’s break down Capital One’s travel cards, the Venture and the VentureOne using a few examples:

Capital One Venture Rewards Credit Card

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.

Capital One VentureOne Rewards Credit Card

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.

Capital One Venture Capital One VentureOne
TPG December 2021 point valuation 1.85 1.85
Spending example $500 * 12 months * 2X miles* $0.0185 = $222 $500 * 12 months * 1.25X miles * $0.0185 = $277.50
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)

How to pair Capital One cards

Maximize your spending and rewards earned by combining two Capital One cards. Here’s one example:

Capital One SavorOne Cash Rewards Credit Card and Capital One Quicksilver Cash Rewards Credit Card

In order to maximize the value of pairing these two cards, it’s best to use the SavorOne for all dining, entertainment and grocery store purchases, then the Quicksilver for everything else. Try not to use the SavorOne’s 1 percent category, seeing as you could use the Quicksilver and earn an extra .5 percent 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 percent APR on purchases (14.99 percent-24.99 percent variable APR thereafter).

Let’s take a look at first-year spending example for the two cards:

Name Capital One SavorOne Rewards Capital One Quicksilver Cash Rewards
Best for Dining and entertainment Simple cash back
Spending example $300 * 12 months * 3% cash back * $0.01 = $108 $200 * 12 months * 1.5% cash back * $0.01 = $36
Rewards structure Unlimited 3 percent cash back on dining and entertainment, 1 percent back on other purchases and 8 percent on tickets purchased through Vivid seats through January 2023 Unlimited 1.5 percent cash back on every purchase
Annual fee $0 $0
Welcome bonus $200 cash bonus when you spend $500 within your first 3 months of card membership. $200 cash bonus when you spend $500 within your first three months of account opening.

The bottom line

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.

How do I get a Capital One credit card?

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:

Credit score

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 consists of a number of factors like payment history, and debt-to-income ratio.

What is the minimum credit score needed to get a Capital One credit card?

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.

Debt-to-income ratio

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.

Check if you’re pre-qualified

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.

Applying for a Capital One card

When applying for a card, you’ll need to provide the following information:

  • Full name
  • Social Security number
  • Date of birth
  • Home address
  • Estimated gross annual income
  • Checking or savings account information

Card Approval

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.

Increasing your credit limit

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. 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.

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 the author
Upon graduating with a Bachelor’s degree concentrated in Finance, Joey worked at “Big Four” (Ernst and Young) accounting firm before exploring the world of credit cards. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like Bankrate, CreditCards.com and NextAdvisor. Hi...
about the editor
Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.

* 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.