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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.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
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.
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets.
Capital One offers an impressive lineup of credit cards for various 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.
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We helped put over 100,000 cards in people's wallets in 2022
Match to cards with approval odds and apply with confidence
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Why choose Bankrate
We helped put over 100,000 cards in people's wallets in 2022
Match to cards with approval odds and apply with confidence
Over 47 years of experience helping people make smart financial decisions
The Bankrate Promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards .
View card list
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.
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.
Recommended Credit
chance of approval
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
1.5% - 5%
Rewards rate
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 unlimited 1.5% cash back on every purchase, every day
Annual fee
Regular APR
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
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.
This card has a slightly competitive intro APR on purchases and balance transfers.
Cons
This card is fairly light on extra cardholder perks.
You could earn higher cash back rates in certain spending categories with other cards.
Earn a 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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 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.
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.
Recommended Credit
chance of approval
Intro offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
1% - 8%
Rewards rate
8% Cash Back on Capital One Entertainment purchases 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Cash Back on all other purchases
Annual fee
Regular APR
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
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.
The 3 percent entertainment category covers movie theaters, zoos, amusement parks and more.
This card does not charge an annual fee, so you don’t have to earn enough cash back to offset the cost of carrying the card.
Cons
You must book through Capital One’s travel portal to reap the benefit of boosted rates on hotel and rental car purchases.
The complimentary Uber One membership only lasts till Nov. 14, 2024.
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 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment 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
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; 19.99% - 29.99% 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.
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.
Recommended Credit
chance of approval
Intro offer
New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 2 Miles per dollar on every purchase, every day
Annual fee
Regular APR
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Capital One created this card with the traveler in mind. Cardholders transfer miles to over 15 leading travel loyalty programs at generous transfer rates. It's easy to redeem your miles for travel and you can enjoy 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.
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.
Recommended Credit
Intro offer
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
5 Miles per dollar on hotels and rental cars booked through Capital One Travel 1.25 Miles per dollar on every purchase, every day
Annual fee
Regular APR
5 Miles
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
1.25 Miles
1.25 Miles per dollar on every purchase, every day
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.
This card doesn’t charge an annual fee, a cost effective plus for a travel card.
There’s an intro APR offer on purchases and balance transfers.
Cons
Redeeming for non-travel options, such as Amazon.com or PayPal purchases, will reduce the value of your miles.
While it does have a couple of travel-related benefits, this card lacks attractive perks like lounge access or lost baggage insurance.
$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; 19.99% - 29.99% 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.
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.
Recommended Credit
chance of approval
Intro offer
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
10 Miles per dollar on hotels and rental cars booked through Capital One Travel 5 Miles per dollar on flights booked through Capital One Travel 2 Miles per dollar on every purchase, every day
Annual fee
Regular APR
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
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).
The card charges no foreign transaction fees and gives you up to a $100 credit for Global Entry or TSA PreCheck®.
The card offers multiple ways to offset the annual fee, such as a $300 annual travel credit and anniversary bonus.
Cons
While the annual fee is lower than competing luxury travel cards, it might still be pricey for some.
Capital One’s list of transfer partners excludes some notable domestic U.S. carriers.
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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
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
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
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.
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.
Recommended Credit
Intro offer
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
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel 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.
Annual fee
Regular APR
5x
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
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.
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.
It has a $0 intro annual fee for the first year (then $95).
The sign-up bonus on this card is quite valuable — worth about $500 when booking travel at 1:1 rate through Capital One.
Cons
The value for redemption options outside of travel is quite low.
It has 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
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
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
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
$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.
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.
Recommended Credit
Intro offer
Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Annual fee
Regular APR
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
If your everyday expenses cover many categories, 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. Plus, this is a charge card, a notable perk for business owners who prefer not to carry a balance from month to 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.
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.
Recommended Credit
chance of approval
N/A
Intro offer
Intro offer is not available for this Capital One credit card.
Annual fee
Regular APR
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 automatic consideration for a higher credit line in as little as six months after demonstrating responsible use by paying bills on time.
You don’t have to put down a security deposit with this card.
Cons
The regular APR for this card is steep at 30.74 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.
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.
Recommended Credit
N/A
Intro offer
Intro offer is not available for this Capital One credit card.
Annual fee
Regular APR
This card offers reporting to the three major credit bureaus, which can help as you rebuild your credit. Use of the card may entitle you to a higher line of credit without additional deposits — Capital One will consider you for a higher credit line in as little as six months with responsible on-time monthly payments.
Cardholders can focus on building a better credit history without the distraction of earning 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 (other minimum payments could be $99 or $200 depending on credit score).
Cons
The regular APR for this card is high, so it's not ideal if you tend to carry a balance.
The card carries some upfront costs since it requires a security deposit.
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.
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.
Recommended Credit
Intro offer
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
1.5% - 10%
Rewards Rate
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn unlimited 1.5% cash back on every purchase, every day
Annual fee
Regular APR
10%
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
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.
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.
Recommended Credit
Intro offer
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
1% - 8%
Rewards Rate
8% Cash Back on Capital One Entertainment purchases 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Cash Back on all other purchases
Annual fee
Regular APR
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
This card’s student-centric rewards program can help you stay on budget while having fun. The card’s bonus categories target common expenses for students, such as dining, entertainment and popular streaming services. The card also has an accessible welcome offer; students only have to spend $100 in the first three months to earn $50 back.
This card has a practical touch, earning 3 percent cash back on grocery store purchases (excluding superstores like Walmart® and Target®).
It’s a cost-effective card, since it charges no annual fee or foreign transaction fees.
Cons
This card’s welcome offer isn’t the most valuable when compared to offers on other student credit cards.
The regular APR can be high, even for a student card.
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
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
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
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 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
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.
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.
Recommended Credit
N/A
Intro offer
Intro offer is not available for this Capital One credit card.
1.5% - 5%
Rewards rate
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 unlimited 1.5% cash back on every purchase, every day
Annual fee
Regular APR
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
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.
Capital One recommends this card for fair to good credit ranges (580 to 740 on the FICO scale), so you can earn rewards while building your credit.
There is potential for a credit limit increase after demonstrating responsible use with six months of on-time payments.
Cons
The annual fee that comes with this card can limit its long-term value.
This card has no intro APR offers on purchases or balance transfers, so you won’t catch a break on interest if you carry a balance.
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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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.
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.
Recommended Credit
N/A
Intro offer
Intro offer is not available for this Capital One credit card.
1.5% - 5%
Rewards rate
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 unlimited 1.5% cash back on every purchase, everywhere
Annual fee
Regular APR
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
This 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.
This card skips foreign transaction fees, making it a good option for travel. You might be able to earn back your deposit and upgrade to an unsecured Quicksilver card with responsible card use.
You can enjoy added protection like extended warranty on eligible purchases.
Cons
The variable APR is high, so you’ll want to avoid carrying a balance on this card.
For people who want 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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Compare our 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
A closer look at our best Capital One credit cards
Capital One Quicksilver Cash Rewards Credit Card
Best for simple cash back
It’s a simple cash back card with no annual fee that earns at least an unlimited 1.5 percent back on all purchases. (See Rates and Fees)
Cash back beginners. If you’re considering getting a rewards card, this one is a great entry point to test the waters of cash back credit cards.
The Citi Double Cash® Card card earns a little bit more cash back (1 percent when you use the card and 1 percent as you pay your bill) while still skipping the annual fee. 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
It has stellar rewards rates on dining and grocery stores (excluding superstores like Walmart® and Target®), along with select streaming services, making it an easy way to earn on food and your favorite TV shows. (See Rates and Fees)
Homebodies, foodies and social butterflies. Its elevated cash back on its food-related categories make it a lucrative card, regardless of if you prefer a night out or in.
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
Capital One’s transfer partners and this comparatively low annual fee make it a solid first choice for earning miles on everyday purchases. (See Rates and Fees)
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.
The Chase Sapphire Preferred® Card offers similar rewards rates, the same annual fee and an attractive sign-up bonus. However, the higher points value when booking through the issuer’s travel portal may help the Sapphire Preferred win out.
Capital One VentureOne Rewards Credit Card
Best for no annual fee travel rewards
This card comes with an attainable sign-up bonus plus a simple, low-cost way to earn miles on everyday purchases for no annual fee. (See Rates & Fees)
If you don’t mind the cost of an annual fee, you will definitely find more value in any of Capital One’s other travel rewards cards that earn higher rewards rates.
Capital One Venture X Rewards Credit Card
Best for premium travel benefits
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. (See Rates and Fees).
Luxury travelers who want to ball out on a budget.
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 travel rewards credit cards.
Capital One Spark Miles for Business
Best for business travel rewards
The unlimited 2X miles you earn on all purchases can help businesses reap rewards on their spending and employee spending.
Business owners and their employees who travel occasionally for work.
For no annual fee, The Blue Business® Plus Credit Card from American Express offers a similar rewards rate, but has a $50,000 cap on your highest reward tier. If your business spends less, then it’s a worthy and cheaper alternative.
Capital One Spark Cash Plus
Best for small businesses
It’s a low-hassle business credit card. Earning a flat 2 percent back on all purchases makes for easy and consistent rewards on business expenses.
Small-business owners who want to earn high cash back rewards and take advantage of competitive benefits without tracking bonus or rotating categories.
It has a relatively low recommended FICO credit score of 580 to 740, and you'll get an automatic credit line increase review after six months.
The serious credit-builder who wants to improve their score with responsible use and healthy financial habits.
If you want to earn some rewards while you build credit, the Discover it® Secured Credit Card offers modest cash back and a path to upgrade to an unsecured card after demonstrating responsible credit use.
Capital One Platinum Secured Credit Card
Best for bad credit
It has a pretty low security deposit, even among secured credit cards, starting as low as $49, though you may have to put down $99 or $200 as well, depending on your credit score. This factor makes it easier for people with limited funds to start building credit.
Anyone who wants to start their credit-building journey and needs a low barrier of entry to do so.
Capital One Quicksilver Student Cash Rewards Credit Card
Best flat-rate cash back for students
Its 1.5 percent flat rate for all purchases and elevated cash back on Capital One Travel is a rarity for student cards. You can also earn $50 when you spend $100 in the first three months.
Students who want to earn substantial cash back rewards right away without too much hassle.
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 SavorOne Student Cash Rewards Credit Card
Best overall student card
This student card offers exciting rewards rates on popular student spending categories — dining, streaming, grocery stores (excluding Walmart and Target) and entertainment.
Independent students with the income to spend meaningfully in the boosted categories and take full advantage of the cash back rate.
Targeted spending can be difficult in the schedule of a busy student. A card like the Chase Freedom® Student credit card*, which 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 QuicksilverOne Cash Rewards Credit Card
Best for fair credit
Its low entry barrier provides people with fair credit an opportunity to earn rewards without shelling out a super-high annual fee or turning to a secured credit card. (See Rates and Fees).
People with fair credit who want to improve their score while earning modest rewards.
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. We recommend its upgrade to the Quicksilver card (See Rates and Fees), which has the same rewards rate but with no annual fee.
Capital One Quicksilver Secured Cash Rewards Credit Card
Best secured card for flat-rate rewards
The fact that you can build credit and earn some rewards for no annual fee. (See Rates and Fees).
People with bad, thin or no credit who can’t qualify for non-secured rewards credit cards.
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 in combined purchases per quarter, then 1 percent) are key earning categories that edge out the Quicksilver Secured.
*All information about the Citi® Secured Mastercard® and Chase Freedom® Student credit card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.
What to know about Capital One credit cards
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.
Capital One offers a variety of credit cards spanning multiple categories. Here are just a few types of credit cards that Capital One offers.
Capital One’s cash back credit cards carry lucrative earning rates in diverse categories, including dining, hotels, travel and everyday purchases. There’s a Capital One cash back card for everyone, including foodies, jetsetters and no-frills cash back enthusiasts.
Editor’s choice: Capital One SavorOne Cash Rewards Credit Card
With its family of Venture cards, Capital One gives travelers ways to earn towards their next trip. Most notably, the relatively new Venture X card has many travel perks and benefits that luxury travel cards carry, but with a much lower annual fee.
Plus, Capital One’s list of travel partners can provide more value to your points when you transfer them.
Editor’s choice: Capital One Venture X Rewards Credit Card
Capital One’s best credit cards include a lineup built specifically for people with little to no credit. Its platinum and secured cards offer multiple ways to establish and build credit, some even carrying a rewards-earning structure.
Editor’s choice: Capital One Platinum Secured Credit Card
If you are a student, then you can take advantage of one of Capital One's cards designed specifically for students. These cards typically don't carry an annual fee, and you can enjoy cash back rewards on many of your purchases whether it's a tiered or flat-rate card. Also, you can plan to use your Capital One student card if you study abroad since many don't carry a foreign transaction fee.
Editor's choice: Capital One SavorOne Student Cash Rewards Credit Card. (See Rates and Fees)
Pros and cons of Capital One credit cards
Pros
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 waive the fee in the first year or can easily be offset.
Higher-than-average APR: Many of the cards Capital One offers have a relatively high ongoing 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.
Tips on choosing the best Capital One card
If you’re loyal to Capital One or just ready to branch out with one of Capital One’s best credit cards, here are a few questions to ask yourself when choosing a card.
Do you want cash back or miles?
Capital One excels in cash back and travel credit cards. The question is, which one do you want to earn more? If you don’t have many travel plans in the future and just want to bring in cash for your spending, then stick with a cash back card. However, if you want to pay for upcoming trips with reward miles, then one of Capital One’s travel cards is your best option.
Are you willing to pay or offset an annual fee?
Some of Capital One’s best credit cards come with an annual fee. If you plan to take advantage of statement credits or perks with the card, make sure you can use enough of those rewards to offset the annual fee. If you want to just earn cash back or a few miles on your spending, a no-annual-fee card can serve you best. You won’t have to worry about a yearly charge and you can focus on earning rewards.
What is your credit score?
Most of Capital One’s best credit cards require at least good credit. 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.
Good or excellent credit: These Capital One cards will offer competitive rewards rates and attractive perks or card benefits. Some may carry an annual fee, such as the Capital One Venture X Rewards credit card (See Rates and Fees), but you might be able to offset that cost with earnings or annual credits.
Average or fair credit: Look for unsecured cards like the QuicksilverOne Rewards that can prove helpful in boosting scores past fair and into the good range.
Fair or lower credit: One of Capital One’s credit-building cards like the Capital One Platinum Credit Card or one of its secured cards may best suit your needs.
No or limited credit: A secured card like the Platinum Secured or Quicksilver Secured cards can help build credit over time. If you are a student with no credit history, you can choose from one of Capital One's student cards instead.
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.
Expert advice for Capital One cards
Capital One cards are certainly worth it. If you value cash back or high-earning travel cards, then there’s something from Capital One for you. Its selection of travel credit cards rival those from American Express and Chase while costing less in annual fees. Furthermore, its cash back dining card, the SavorOne Cash Rewards card, offers lucrative cash back at grocery stores (excluding Walmart and Target), restaurants and on take out. If your spending fits into any of Capital One’s bonus categories in cash back or on travel, then it's certainly worth your time.
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.
How we assess the best 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 We took note if 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 The best Capital One cards offer extras such as retail discounts, extended warranties* on purchases, travel insurance and financial management tools.
Annual fee Our editors made sure to note if the cards they chose charged an annual fee and if so, how much the card’s overall value and benefits might offset the fee.
Introductory offers We took a look at if 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 gives an indicator of cost and value.
Foreign transaction fee In an effort to pick cards that had minimal fees outside of any warranted costs for card value like an annual fee, we noted if 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.
*Automatically extends the original manufacturer's warranty on eligible purchases made with this card.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Frequently asked questions about Capital One credit cards
The interest rate on a Capital One credit card can vary. Cards typically offer a range of rates, and which one you qualify for often depends on your credit score and history. Secured cards and credit cards for limited credit might carry higher interest rates. A good interest rate is usually one that is at or below the national average APR.
As the only Capital One card available to consumers with no credit, the Capital One Platinum Secured Credit Card may be 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 is one card Capital One recommends for 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 allows customers to hold two consumer credit cards at a time. Secured, business and co-branded credit cards by Capital One do not count toward this total.
In many cases, it’s as simple as asking — you can either call the customer service line or log in to your account 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, 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. While you may not be able to request a credit line increase for a secured card, Capital One usually automatically reviews a secured card account for an increase after a period of time with responsible card use.
You would need to contact customer service at the number on the back of your current card first. Capital One will tell you which cards you can upgrade to, if you’re eligible. Typically, Capital One looks to see if you are in good standing and meet the eligibility requirements of the new card. If approved for an upgrade, your credit line will transfer to the upgraded account along with your account number. While upgrading won't affect your credit score, you may lose out on any sign-up bonuses the upgraded card has.
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…
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.
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