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Capital One offers a wide range of credit cards for a wide variety of needs, including cash back, travel, business and credit-building. Here’s a look at the best cards available from our credit card partner Capital One.
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The information about the Capital One Savor Cash Rewards Credit Card been collected independently by Bankrate.com. The card details haven’t been reviewed or approved by the card issuer.
Here’s a look at the best Capital One credit cards for 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) |
Read our Capital One Quicksilver Cash Rewards Credit Card review.
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Read our Capital One SavorOne Cash Rewards Credit Card review.
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Read our Capital One Venture Rewards Credit Card review.
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Read our Capital One Platinum Credit Card review.
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Read our Capital One VentureOne Rewards Credit Card review.
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Read our Capital One Spark Cash Plus Review..
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Read our Capital One QuicksilverOne Cash Rewards Credit Card review.
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Read our Capital One Quicksilver Student Cash Rewards Credit Card review.
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Read our Capital One Venture X Rewards Credit Card review.
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Read our Capital One Platinum Secured Credit Card review.
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Read our Capital One Spark Miles for Business review.
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Read our Capital One SavorOne Student Cash Rewards Credit Card Review.
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Read our Capital One Quicksilver Secured Cash Rewards Credit Card review.
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Read our Journey Student Rewards from Capital One review.
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Established in 1994, Capital One has more than 700 branches nationwide in locations including New York, Louisiana, Texas, Maryland, Virginia, New Jersey and Washington, D.C. The full-service bank is known for its cutting-edge digital banking features.
Source: Capital One Corporate Information
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.
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.
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.
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
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:
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.
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.
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:
From travel to cash back to business cards, Capital One has a variety of credit card options for various types of credit scores. Here is a rundown of what else Capital One has to offer:
The Capital One travel rewards program offers a decent amount of flexibility when it comes to earning miles. Capital One offers the Venture Rewards and VentureOne Rewards as travel card options. Seeing as they aren’t co-branded cards, or affiliated with certain hotels or airlines, you won’t be limited to one brand. Plus, you’ll earn a flat rewards rate for every purchase – no rotating bonus categories, no problem.
If you are interested in transferring your points, Capital One offers many miles transfer partners, 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:
Here are a few other perks:
Let’s break down Capital One’s travel cards, the Venture and the VentureOne using a few examples:
If you’re looking to earn travel rewards on your everyday expenses, the Capital One Venture Rewards Credit Card is a good match. You’ll earn a flat 2X miles on every purchase. This card comes with a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. There is a $95 annual fee.
The Capital One VentureOne Rewards Credit Card is the younger sibling to the Venture card. It offers no annual fee and a lesser rewards rate of 1.25X miles per purchase.
If you’re just getting into the travel rewards game, this is a great starter card. There’s also a small bonus of 20,000 miles when you spend $500 within your first 3 months of account opening, which is worth $200 in travel.
| 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) |
Maximize your spending and rewards earned by combining two Capital One cards. Here’s one example:
In order to maximize the value of pairing these two cards, it’s best to use the 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. |
At the end of your first year of card membership, the Capital One Savor Cash Rewards and Capital One Quicksilver Cash Rewards would earn you a total of $657.
So, you’ve decided you want a Capital One credit card. Here’s what an issuer will look at when you apply for one of their credit cards:
First and foremost, any credit card issuer will look at your credit score to determine whether or not you qualify for a card. Your credit score consists of a number of factors like payment history, and debt-to-income ratio.
If you have fair to excellent credit (580-850), you have several Capital One cards to choose from. For those somewhere in the middle of the credit range, the Capital One QuicksilverOne Cash Rewards Credit Card is a great tool for earning rewards while building your credit. For the credit high-flyers, the Capital One Venture Rewards Credit Card has one of the most competitive rewards rates in the credit card market.
If you want to improve your credit score before applying, read our guide to building credit for tips on doing so efficiently.
A card issuer will also look at your debt-to-income ratio, meaning how much of your monthly income is dedicated to paying off debt.
Capital One offers a 60-second credit card pre-qualification check on their site. The tool will match you to Capital One credit cards that you qualify for, only requiring a few basic informational questions. Most importantly, it won’t impact your credit score.
When applying for a card, you’ll need to provide the following information:
Capital One will notify you of their decision by mail within 7 to 10 days. If you are approved, you can use the card as soon as you activate it.
Once you’ve been using your card for a little while, you may wish to increase your credit limit. Even if your monthly bills don’t come close to your credit limit, having a higher amount of credit available to you will better your credit utilization, thus raising your credit score.
In many cases, it’s as simple as asking — you can either call the customer service line or log in and fill out the request online. However, a few scenarios make accounts ineligible for a credit line increase with Capital One:
If none of these situations apply to you, you may be eligible for a credit line increase. A history of on-time payments and low credit utilization will work to your advantage, too. Capital One will request much of the same information you gave on your credit card application, like your total annual income, employment status and mortgage or rent costs.
Bankrate’s personal finance experts have evaluated the top Capital One cards according to our 5-star rating system. The list of criteria for rating credit cards includes:
Whether the card offers cash back, travel points/miles or multi-purpose rewards for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).
Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
Whether the card charges an annual fee and if so, how much the card’s overall value and benefits might offset the fee.
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card’s overall value.
How the card’s annual percentage rate (APR) compares with current averages as an indicator of cost and value.
Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card’s overall value.
Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
