What are the interest rates on Capital One credit cards?

The interest rate on a Capital One credit card depends on your credit score and history. Secured cards and credit cards for limited credit might carry higher interest rates than average. A good interest rate is usually one that is at or below the national average APR.

What is the easiest Capital One card to be approved for?

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 fair, you might qualify for the more lucrative Capital One QuicksilverOne Cash Rewards Credit Card, which earns cash back.

What is the best Capital One credit card?

The “best” option depends on your own financial situation first, but Capital One has a few leading credit cards: 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

How many Capital One cards can you have?

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.

How do you increase your credit limit with Capital One?

In many cases, it’s as simple as calling or filling out your request online. A history of on-time payments and low credit utilization will work to your advantage when making your request. However, a few scenarios might prevent a credit line increase on your Capital One card: The account was opened within the past few months. The card is a secured credit card. You’ve recently received a credit line increase or decrease. 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.

How do you upgrade a Capital One card?

Contact customer service at the number on the back of your current card to start the upgrade process. Capital One can 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.

Best Capital One Credit Cards for July 2024

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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.

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Why the Capital One Quicksilver is a great starter card<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//citi-double-cash-card///">Citi Double Cash\u00ae Card<\/a> card earns a little bit <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-quicksilver-vs-citi-double-cash///">more cash back<\/a> (1 percent when you use the card and 1 percent as you pay your bill), so it could prove more rewarding. You may also prefer the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//wells-fargo-active-cash-card///">Wells Fargo Active Cash\u00ae Card<\/a> if you want an intro APR that could  help pay off both purchases and balance transfers.<\/div>","pros_and_cons_header":"What you should know","pros":["There\u2019s no need to track spending categories or enrollment dates with this card.","This card offers an easy-to-earn sign-up bonus and solid intro APR offers."],"cons":["This card doesn\u2019t have many noteworthy <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-quicksilver-benefits-guide///">cardholder perks<\/a>.","A card that offers a flat 2 percent back rate or bonus categories may hold more value. "],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"This card offers unlimited flat-rate cash back on every purchase without rotating categories or spending caps, making earning rewards easy and flexible."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Capital One","image":null},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for simplicity

Add to compare

Capital One Quicksilver Cash Rewards Credit Card

Bankrate score

3.8

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.

Bankrate review

Bankrate score

3.8

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$200

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.

1.5% - 5%

Annual fee

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: This card offers unlimited flat-rate cash back on every purchase without rotating categories or spending caps, making earning rewards easy and flexible.

- 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
What we love: It’s a great entry point to rewards cards since you’ll earn at least 1.5 percent cash back on everything you buy, without thinking twice about bonus categories.

Learn more: Why the Capital One Quicksilver is a great starter card

Alternatives: 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), so it could prove more rewarding. You may also prefer the Wells Fargo Active Cash® Card if you want an intro APR that could help pay off both purchases and balance transfers.
Pros

There’s no need to track spending categories or enrollment dates with this card.

This card offers an easy-to-earn sign-up bonus and solid intro APR offers.

Cons

This card doesn’t have many noteworthy cardholder perks.

A card that offers a flat 2 percent back rate or bonus categories may hold more value.
- 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; balance transfer fee applies

Why we love the Capital One SavorOne<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//american-express-gold-card///">American Express\u00ae Gold Card<\/a> offers some of the best food-oriented rewards rates and annual credits out there. The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-savorone-cash-rewards-vs-chase-freedom-unlimited///">Chase Freedom Unlimited\u00ae<\/a> and <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-cash-rewards-credit-card///">Bank of America\u00ae Customized Cash Rewards Credit Card<\/a> are also excellent low-cost options if you\u2019re looking for rewards on dining and wouldn\u2019t benefit much from an entertainment category.<\/div>","pros_and_cons_header":"What you should know","pros":["Its mix of everyday bonus categories makes it one of the most lucrative standalone cards out there.","Few rival cards can match its rewards rate for entertainment purchases, which is even more impressive if you buy via Capital One Entertainment."],"cons":["The grocery store category doesn\u2019t include popular options like Walmart, Target, Costco and Sam\u2019s Club, which could be a deal-breaker depending on your shopping habits.","The card\u2019s biggest foodie perk \u2014 complimentary Uber One membership statement credits every month \u2014 only lasts until Nov. 14, 2024."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"The generous cash back rewards on dining, entertainment and grocery purchases make it ideal for event lovers and foodies."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Capital One","image":null},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Grocery","image":null},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for dining and entertainment

Add to compare

Capital One SavorOne Cash Rewards Credit Card

Bankrate score

5.0

Bankrate review

Bankrate score

5.0

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$200

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.

1% - 8%

Annual fee

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: The generous cash back rewards on dining, entertainment and grocery purchases make it ideal for event lovers and foodies.

- 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
What we love: Its stellar rewards rates on dining and groceries make it one of the best rewards cards with no annual fee, especially for families and foodies. It’s also one of the only cards with such a flexible entertainment category, covering everything from movie tickets to amusement park passes.

Learn more: Why we love the Capital One SavorOne

Alternatives: The American Express® Gold Card offers some of the best food-oriented rewards rates and annual credits out there. The Chase Freedom Unlimited® and Bank of America® Customized Cash Rewards Credit Card are also excellent low-cost options if you’re looking for rewards on dining and wouldn’t benefit much from an entertainment category.
Pros

Its mix of everyday bonus categories makes it one of the most lucrative standalone cards out there.

Few rival cards can match its rewards rate for entertainment purchases, which is even more impressive if you buy via Capital One Entertainment.

Cons

The grocery store category doesn’t include popular options like Walmart, Target, Costco and Sam’s Club, which could be a deal-breaker depending on your shopping habits.

The card’s biggest foodie perk — complimentary Uber One membership statement credits every month — only lasts until 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; balance transfer fee applies
- No foreign transaction fee
- No annual fee

Capital One Venture benefits guide<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//chase-sapphire-preferred-card///">Chase Sapphire Preferred\u00ae Card<\/a> offers a variety of generous rewards rates and <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-sapphire-preferred-card-benefits-perks-guide///">more attractive travel perks<\/a> for the same annual fee. Plus, the Sapphire Preferred can boost the value of your travel rewards value by 25 percent when you redeem through Chase Travel \u2014 all without the hassle of transfer partners.<\/div>","pros_and_cons_header":"What you should know","pros":["Compared to rival travel cards, the sign-up bonus offers a great value for a typical spending requirement."],"cons":["It may not be worth it for frequent travelers since it\u2019s one of the few mid-tier travel rewards cards that doesn\u2019t offer annual travel credits or anniversary miles.","Frequent travelers may get more value from competing cards that offer a high rewards rate on general travel, airfare and hotel stays instead of requiring you to book through an issuer portal."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"Its flexible travel rewards allow you to earn unlimited miles on every purchase and redeem for eligible travel-related expenses at a 1:1 rate."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Capital One","image":null},{"name":"Dining","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Miles","image":null},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for frequent travelers

Add to compare

Capital One Venture Rewards Credit Card

Bankrate score

4.9

Bankrate review

Bankrate score

4.9

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Earn 75,000 miles

$1,275 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards rate

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 2 Miles per dollar on every purchase, every day.

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Its flexible travel rewards allow you to earn unlimited miles on every purchase and redeem for eligible travel-related expenses at a 1:1 rate.

- 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
What we love: This card’s low cost and quality transfer partners make it a solid first choice for occasional travelers looking to earn miles on everyday purchases.

Learn more: Capital One Venture benefits guide

Alternatives: The Chase Sapphire Preferred® Card offers a variety of generous rewards rates and more attractive travel perks for the same annual fee. Plus, the Sapphire Preferred can boost the value of your travel rewards value by 25 percent when you redeem through Chase Travel — all without the hassle of transfer partners.
Pros

Compared to rival travel cards, the sign-up bonus offers a great value for a typical spending requirement.

Cons

It may not be worth it for frequent travelers since it’s one of the few mid-tier travel rewards cards that doesn’t offer annual travel credits or anniversary miles.

Frequent travelers may get more value from competing cards that offer a high rewards rate on general travel, airfare and hotel stays instead of requiring you to book through an issuer portal.
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- 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
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs

Is the Capital One VentureOne worth it?<\/a> Alternatives:<\/strong> If you travel often, you may get more value with one of Capital One\u2019s premium travel rewards cards. The Capital One Venture Rewards Credit Card has a <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-ventureone-rewards-vs-capital-one-venture-rewards///">higher flat rewards rate<\/a>, and the <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-venture-x///">Capital One Venture X Rewards Credit Card<\/a> carries stronger travel rewards rates and the most valuable travel perks the issuer offers.<\/div>","pros_and_cons_header":"What you should know","pros":["It\u2019s one of the only starter travel cards that offers mile transfers, and Capital One\u2019s airline and hotel partners can get you some of the highest redemption values out there.","It\u2019s one of the only travel cards that carries an intro APR offer on purchases and balance transfers."],"cons":["The flat rewards rate is lower than the rate you\u2019ll find on rival cards.","While it does have a couple of travel-related benefits, this card lacks attractive perks like lounge access or lost baggage insurance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"Having no annual fee makes it affordable for those who don't travel often and are looking for an inexpensive travel rewards card."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"0% Introductory APR","image":"c12c6fbd562a494517625a65bbb1e71e.png"},{"name":"Airline","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Capital One","image":null},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"Hotel","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg"},{"name":"Low Interest","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Miles","image":null},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for occasional travelers

Add to compare

Capital One VentureOne Rewards Credit Card

Bankrate score

4.1

Bankrate review

Bankrate score

4.1

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Capital One's secure site

See Rates & Fees

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

20,000 miles

$340 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards rate

5 Miles per dollar on hotels and rental cars booked through Capital One Travel. 1.25 Miles per dollar on every purchase, every day.

1.25 Miles - 5 Miles

Annual fee

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Having no annual fee makes it affordable for those who don't travel often and are looking for an inexpensive travel rewards card.

- 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
What we love: First-time travel cardholders and budget-minded travelers alike will love this card’s simplicity and flexibility: It charges no annual fee, carries a flat rewards rate and is one of the few starter travel cards that lets you transfer miles to airline and hotel partners.

Learn more: Is the Capital One VentureOne worth it?

Alternatives: If you travel often, you may get more value with one of Capital One’s premium travel rewards cards. The Capital One Venture Rewards Credit Card has a higher flat rewards rate, and the Capital One Venture X Rewards Credit Card carries stronger travel rewards rates and the most valuable travel perks the issuer offers.
Pros

It’s one of the only starter travel cards that offers mile transfers, and Capital One’s airline and hotel partners can get you some of the highest redemption values out there.

It’s one of the only travel cards that carries an intro APR offer on purchases and balance transfers.

Cons

The flat rewards rate is lower than the rate you’ll find on rival cards.

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; balance transfer fee applies

Why we love the Capital One Venture X<\/a> Alternatives:<\/strong> If you really don\u2019t want to cough up hundreds of dollars for the annual fee, then consider cards with low or no annual fees like Capital One\u2019s other travel rewards credit cards.<\/div>","pros_and_cons_header":"What you should know","pros":["The card charges no foreign transaction fees and gives you up to a $100 credit for Global Entry or TSA PreCheck\u00ae.","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\u2019s list of transfer partners excludes some notable domestic U.S. carriers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":"Its top-tier travel perks along with its elevated base rewards rate allow you to accumulate rewards faster and have a smooth travel experience."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"Capital One","image":null},{"name":"Points","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for premium travel benefits

Add to compare

Capital One Venture X Rewards Credit Card

Bankrate score

5.0

Bankrate review

Bankrate score

5.0

Bankrate review

Recommended credit score: 740 - 850

Apply now

on Capital One's secure site

See Rates & Fees

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

75,000 miles

$1,275 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards rate

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.

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Its top-tier travel perks along with its elevated base rewards rate allow you to accumulate rewards faster and have a smooth travel experience.

- 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
What we love: The Venture X combines premium perks like airport lounge access with a generous return on travel purchases and flexible redemption options. 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.

Learn more: Why we love the Capital One Venture X

Alternatives: 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.
Pros

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®

Capital One Spark Miles vs. Capital One Spark Cash Plus<\/a> Alternatives:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//the-blue-business-plus-credit-card-from-american-express-review///">The Blue Business\u00ae Plus Credit Card from American Express<\/a> offers a similar rewards rate at no annual fee, but has a $50,000 cap on your highest reward tier. If your business doesn\u2019t spend enough to justify an annual fee, then it\u2019s a worthy alternative.<\/div>","pros_and_cons_header":"What you should know","pros":["You can not only redeem miles for travel with Capital One, but also transfer to airline and hotel partners \u2014 potentially for a higher redemption value.","You can make travel a bit smoother with this card\u2019s recurring up to $100 credit toward Global Entry or TSA PreCheck\u00ae application fees."],"cons":["It lacks several of the valuable perks you\u2019ll find on rival premium business cards, like annual travel credits and comprehensive travel insurance.","The sign-up bonus is weaker than the bonuses offered by several rival cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"Business travelers seeking unrestricted travel rewards on their expenses will find this card a lucrative choice thanks to its unlimited flat-rate miles per dollar."},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Good Credit","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"},{"name":"Travel","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg"}]})" >

Best for business travel

Add to compare

Capital One Spark Miles for Business

Bankrate score

4.4

Bankrate review

Bankrate score

4.4

Bankrate review

Recommended credit score: 670 - 850

Apply now

on Capital One's secure site

See Rates & Fees

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

50,000 miles

$850 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

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.

2X - 5x

Annual fee

$0 intro for first year; $95 after that

Regular APR

26.24% (Variable)

Why you’ll like this card: Business travelers seeking unrestricted travel rewards on their expenses will find this card a lucrative choice thanks to its unlimited flat-rate miles per dollar.

- 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.
What we love: This card makes it easy for small-business owners to earn miles on their general spending. Cardholders can also get more than 1 cent per point in value from their miles by transferring rewards to some airline rewards programs.

Learn more: Capital One Spark Miles vs. Capital One Spark Cash Plus

Alternatives: The Blue Business® Plus Credit Card from American Express offers a similar rewards rate at no annual fee, but has a $50,000 cap on your highest reward tier. If your business doesn’t spend enough to justify an annual fee, then it’s a worthy alternative.
Pros

You can not only redeem miles for travel with Capital One, but also transfer to airline and hotel partners — potentially for a higher redemption value.

You can make travel a bit smoother with this card’s recurring up to $100 credit toward Global Entry or TSA PreCheck® application fees.

Cons

It lacks several of the valuable perks you’ll find on rival premium business cards, like annual travel credits and comprehensive travel insurance.

The sign-up bonus is weaker than the bonuses offered by several rival cards.
- 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

easy-to-use option for business owners<\/a> who want to earn consistent 2 percent cash back without tracking bonus or rotating categories. Plus, this is a charge card, a <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//capital-one-spark-cash-plus-benefits-guide///">notable perk<\/a> for business owners who want as much purchasing power as possible. Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-spark-cash-plus-worth-it///">Is the Capital One Spark Cash Plus worth the annual fee?<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//chase-ink-business-premier-card///">Ink Business Premier\u00ae Credit Card<\/a> is remarkably similar, but it could be a better option if you may need to carry a balance or your business often requires purchases of $5,000 or more. If a 2 percent flat cash back rate isn\u2019t worth an annual fee to you, though, <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//american-express-blue-business-cash-card///">The American Express Blue Business Cash\u2122 Card<\/a> could be <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-spark-cash-vs-amex-blue-business-cash-card///">a more cost-effective option<\/a>.<\/div>","pros_and_cons_header":"What you should know","pros":["Since it\u2019s a charge card, there is no preset spending limit to hold back your rewards spending.","It offers one of the most valuable cash reward sign-up bonuses you can get on a business rewards card."],"cons":["You must pay your balance in full every month with this charge card, although some competing cards from other issuers also offer the option to carry a balance.","The welcome offer will be out of reach for smaller businesses due to the high spending requirement."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":"Its unlimited cash back rate on all purchases can provide small businesses with a straightforward and valuable way to earn cash rewards on their expenses."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"name":"Business","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Excellent Credit","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for small businesses

Add to compare

Capital One Spark Cash Plus

Bankrate score

4.6

Bankrate review

Bankrate score

4.6

Bankrate review

Recommended credit score: 740 - 850

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

$1,200 cash back once you spend $30,000 in the first 3 months

$1,200 cash back

$1200 value

We calculate this number by multiplying the card's intro offer by Bankrate's valuation of this issuer's rewards program, showing you how much your points or miles are worth in dollars.

Rewards Rate

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.

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you’ll like this card: Its unlimited cash back rate on all purchases can provide small businesses with a straightforward and valuable way to earn cash rewards on their expenses.

- 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
What we love: This card is an excellent, easy-to-use option for business owners who want to earn consistent 2 percent cash back without tracking bonus or rotating categories. Plus, this is a charge card, a notable perk for business owners who want as much purchasing power as possible.

Learn more: Is the Capital One Spark Cash Plus worth the annual fee?

Alternatives: The Ink Business Premier® Credit Card is remarkably similar, but it could be a better option if you may need to carry a balance or your business often requires purchases of $5,000 or more. If a 2 percent flat cash back rate isn’t worth an annual fee to you, though, The American Express Blue Business Cash™ Card could be a more cost-effective option.
Pros

Since it’s a charge card, there is no preset spending limit to hold back your rewards spending.

It offers one of the most valuable cash reward sign-up bonuses you can get on a business rewards card.

Cons

You must pay your balance in full every month with this charge card, although some competing cards from other issuers also offer the option to carry a balance.

The welcome offer will be out of reach for smaller businesses due to the high spending requirement.
- Earn a one-time cash bonus of $1,200 once you spend $30,000 in the first 3 months
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
- Get your $150 annual fee refunded every year you spend at least $150,000
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Add employee cards for free, and earn unlimited 2% cash back from their purchases
- $150 annual fee
- Spark Cash Plus has no APR because your balance is due in full every month

credit line increase<\/a> after six months. Learn more:<\/strong> <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//who-should-get-capital-one-platinum-card///">Is the Capital One Platinum worth it?<\/a> Alternatives:<\/strong> The Capital One QuicksilverOne Cash Rewards Credit Card is a <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-platinum-vs-capital-one-quicksilver-one///">more rewarding option<\/a> while you\u2019re working up to a prime credit score. The QuicksilverOne earns unlimited 1.5 percent cash back on purchases, and it\u2019s obtainable with a fair credit score \u2014 just like the Platinum card. <\/div>","pros_and_cons_header":"What you should know","pros":["You won\u2019t have to tie up money in a security deposit just to build credit.","The automatic credit line increase review period could allow you to improve your credit utilization (and credit score) sooner than competing cards with a similar feature."],"cons":["The regular APR for this card is steep.","Unlike competing cards, this card doesn\u2019t earn cash back rewards, miles or points."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCreditWithNoRewards","review_category_id":null,"review_category":null,"whyLikeThis":"With responsible use, your credit limit can increase with this card, which makes it an effective tool for building credit."},"program":null,"tags":[{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"}]})" >

Best for people with limited credit history

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Capital One Platinum Credit Card

Bankrate score

4.2

Bankrate review

Bankrate score

4.2

Bankrate review

No Credit History

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Intro offer is not available for this Capital One credit card.

N/A

Annual fee

Regular APR

29.99% (Variable)

Why you’ll like this card: With responsible use, your credit limit can increase with this card, which makes it an effective tool for building credit.

What we love: This is a decent option for serious credit-builders who want to improve their score without potential rewards distracting them from responsible use and developing healthy financial habits. It has a relatively low recommended FICO credit score of 580 to 740, and you'll be automatically considered for a credit line increase after six months.

Learn more: Is the Capital One Platinum worth it?

Alternatives: The Capital One QuicksilverOne Cash Rewards Credit Card is a more rewarding option while you’re working up to a prime credit score. The QuicksilverOne earns unlimited 1.5 percent cash back on purchases, and it’s obtainable with a fair credit score — just like the Platinum card.
Pros

You won’t have to tie up money in a security deposit just to build credit.

The automatic credit line increase review period could allow you to improve your credit utilization (and credit score) sooner than competing cards with a similar feature.

Cons

The regular APR for this card is steep.

Unlike competing cards, this card doesn’t earn cash back rewards, miles or points.
- 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

Capital One Platinum Secured benefits guide<\/a> Alternatives:<\/strong> If you want to earn rewards while you build credit, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//discover-it-secured-card///">Discover it\u00ae Secured Credit Card<\/a> could be <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//capital-one-platinum-secured-vs-discover-it-secured///">a solid alternative<\/a> since it offers modest cash back and a similar upgrade path to an unsecured card after demonstrating responsible credit use.<\/div>","pros_and_cons_header":"What you should know","pros":["You may be able to upgrade to an unsecured card after just six months of responsible use, including on-time payments \u2014 an especially straightforward path to graduation.","You could put down a security deposit starting at $49 and still get at least the typical $200 starting credit limit many other secured cards provide."],"cons":["The regular APR for this card is high, so it's not ideal if you tend to carry a balance.","This card doesn\u2019t earn rewards, unlike several competing secured cards."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCreditWithNoRewards","review_category_id":null,"review_category":null,"whyLikeThis":"This card allows you to build or rebuild your credit history with a potentially low refundable deposit and a higher credit limit."},"program":null,"tags":[{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"No Annual Fee","image":"4226595fe40f1186714c2263039b7df0.png"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Secured credit card","image":"93500230-bd23-11e9-a841-3728becc33ed.svg"}]})" >

Best for consumers with bad credit

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Capital One Platinum Secured Credit Card

Bankrate score

4.1

Bankrate review

Bankrate score

4.1

Bankrate review

No Credit History

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Intro offer is not available for this Capital One credit card.

N/A

Annual fee

Regular APR

29.99% (Variable)

Why you’ll like this card: This card allows you to build or rebuild your credit history with a potentially low refundable deposit and a higher credit limit.

What we love: You may be able to qualify for one of the lowest possible security deposits on the market, starting as low as $49 (possibly $99 or $200, depending on your credit score). This factor makes it easier for people with limited funds to start building credit.

Learn more: Capital One Platinum Secured benefits guide

Alternatives: If you want to earn rewards while you build credit, the Discover it® Secured Credit Card could be a solid alternative since it offers modest cash back and a similar upgrade path to an unsecured card after demonstrating responsible credit use.
Pros

You may be able to upgrade to an unsecured card after just six months of responsible use, including on-time payments — an especially straightforward path to graduation.

You could put down a security deposit starting at $49 and still get at least the typical $200 starting credit limit many other secured cards provide.

Cons

The regular APR for this card is high, so it's not ideal if you tend to carry a balance.

This card doesn’t earn rewards, unlike several competing secured cards.
- 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

Is the Capital One Quicksilver Student worth it?<\/a> Alternatives:<\/strong> If you can handle rotating and bonus categories, the <a href=https://www.bankrate.com/"https:////www.bankrate.com//finance//credit-cards//reviews//discover-it-for-students///">Discover it\u00ae Student Cash Back<\/a> and Capital One SavorOne Student Cash Rewards Credit Card may rake in even more rewards.<\/div>","pros_and_cons_header":"What you should know","pros":["Few student cards carry partner perks as valuable as the complimentary Uber One membership and 10 percent cash back on Uber and Uber Eats perks (through Nov. 14, 2024).","Its flat cash rewards rate makes it an especially low-maintenance option \u2014 ideal if you\u2019d love some rewards but are mostly focused on your credit score."],"cons":["There is no intro APR offer on balance transfers or purchases, but several competing cards carry these offers.","The sign-up bonus is nothing to sneeze at, but several other student cards have potentially far more valuable welcome offers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCredit","review_category_id":null,"review_category":null,"whyLikeThis":"The unlimited cash back rate on every purchase provides students with a terrific way to earn cash back rewards without sacrificing convenience."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best flat-rate cash back for students

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Capital One Quicksilver Student Cash Rewards Credit Card

Bankrate score

4.0

Bankrate review

Bankrate score

4.0

Bankrate review

No Credit History

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Early Spend Bonus: Earn $50 when you spend $100 in the first three months

$50

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.

1.5% - 10%

Annual fee

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: The unlimited cash back rate on every purchase provides students with a terrific way to earn cash back rewards without sacrificing convenience.

- 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
What we love: If you’d like to earn consistent rewards without juggling bonus categories, this card’s simple rewards program makes it a solid choice. It also carries a solid cash back rate on Capital One Travel purchases — a rarity for student cards.

Learn more: Is the Capital One Quicksilver Student worth it?

Alternatives: If you can handle rotating and bonus categories, the Discover it® Student Cash Back and Capital One SavorOne Student Cash Rewards Credit Card may rake in even more rewards.
Pros

Few student cards carry partner perks as valuable as the complimentary Uber One membership and 10 percent cash back on Uber and Uber Eats perks (through Nov. 14, 2024).

Its flat cash rewards rate makes it an especially low-maintenance option — ideal if you’d love some rewards but are mostly focused on your credit score.

Cons

There is no intro APR offer on balance transfers or purchases, but several competing cards carry these offers.

The sign-up bonus is nothing to sneeze at, but several other student cards have potentially far more valuable welcome offers.
- Earn unlimited 1.5% cash back on every purchase, every day
- 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
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- 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

Capital One SavorOne Student vs. Discover it\u00ae Student Cash Back<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//discover-it-for-students///">Discover it\u00ae Student Cash Back<\/a> or <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//bank-of-america-cash-rewards-credit-card-for-students///">Bank of America\u00ae Customized Cash Rewards Credit Card for Students<\/a> could be more lucrative if you\u2019re interested in learning how to strategize your rewards spending. On the flip side, the Capital One Quicksilver Student Cash Rewards Credit Card could be easier to manage thanks to its flat-rate rewards.<\/div>","pros_and_cons_header":"What you should know","pros":["The welcome offer is very accessible for students with limited incomes since it only requires spending $100 in the first three months to earn $50 back. ","It\u2019s also a cost-effective card for studying abroad since it doesn\u2019t charge foreign transaction fees."],"cons":["This card\u2019s welcome offer isn\u2019t the most valuable when compared to offers on other student credit cards.","The regular APR can be high, even for a student card."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCredit","review_category_id":null,"review_category":null,"whyLikeThis":"Students can earn boosted cash back on popular categories like dining, entertainment and groceries."},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" >

Best overall for students

Add to compare

Capital One SavorOne Student Cash Rewards Credit Card

Bankrate score

4.6

Bankrate review

Bankrate score

4.6

Bankrate review

No Credit History

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Early Spend Bonus: Earn $50 when you spend $100 in the first three months

$50

Rewards Rate

1% - 8%

Annual fee

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Students can earn boosted cash back on popular categories like dining, entertainment and groceries.

- 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
What we love: It offers some of the best cash back rates you can get on common expenses for students, including dining, entertainment and groceries. The card is also relatively low maintenance since there is no cap on the rewards rate and you can redeem cash back automatically.

Learn more: Capital One SavorOne Student vs. Discover it® Student Cash Back

Alternatives: The Discover it® Student Cash Back or Bank of America® Customized Cash Rewards Credit Card for Students could be more lucrative if you’re interested in learning how to strategize your rewards spending. On the flip side, the Capital One Quicksilver Student Cash Rewards Credit Card could be easier to manage thanks to its flat-rate rewards.
Pros

The welcome offer is very accessible for students with limited incomes since it only requires spending $100 in the first three months to earn $50 back.

It’s also a cost-effective card for studying abroad since it doesn’t charge 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

Capital One QuicksilverOne vs. Capital One Platinum Credit Card<\/a> Alternatives:<\/strong> The <a href=https://www.bankrate.com/"https:////www.bankrate.com//credit-cards//reviews//upgrade-card///">Upgrade Cash Rewards Visa\u00ae<\/a> is an interesting alternative if you have a fair credit score. It not only earns cash back at a flat rate, but also allows you to pay off purchases at a fixed rate like a personal loan. You could even qualify for a low ongoing APR, depending on your credit score.<\/div>","pros_and_cons_header":"What you should know","pros":["Redeeming rewards is simple, helping you stay focused on your credit score \u2014 not a complicated rewards program.","You could be considered for a credit limit increase after six months of on-time payments, which could improve your credit utilization and expedite your credit-building journey."],"cons":["Its annual fee may limit its long-term value compared to other cards available with fair credit.","This card has no intro APR offers on purchases or balance transfers, so you won\u2019t catch a break on interest if you carry a balance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"For those with fair credit looking to earn cash back on their everyday spending, this card is a straightforward option."},"program":null,"tags":[{"name":"Cash Back","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg"},{"name":"EMV","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png"},{"name":"Fair Credit","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg"},{"name":"Gas","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg"},{"name":"No Foreign Transaction Fees","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png"},{"name":"Rewards","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg"}]})" >

Best for fair credit

Add to compare

Capital One QuicksilverOne Cash Rewards Credit Card

Bankrate score

4.0

Bankrate review

Bankrate score

4.0

Bankrate review

No Credit History

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Intro offer is not available for this Capital One credit card.

N/A

Rewards rate

1.5% - 5%

Annual fee

$39

Regular APR

29.99% (Variable)

Why you’ll like this card: For those with fair credit looking to earn cash back on their everyday spending, this card is a straightforward option.

- 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
What we love: People with fair credit can still earn respectable, flat-rate cash back rewards without shelling out a super-high annual fee or turning to a secured credit card. With responsible use and Capital One’s credit-monitoring tools, you may also eventually be eligible to upgrade to the full-fledged Capital One Quicksilver Cash Rewards Credit Card.

Learn more: Capital One QuicksilverOne vs. Capital One Platinum Credit Card

Alternatives: The Upgrade Cash Rewards Visa® is an interesting alternative if you have a fair credit score. It not only earns cash back at a flat rate, but also allows you to pay off purchases at a fixed rate like a personal loan. You could even qualify for a low ongoing APR, depending on your credit score.
Pros

Redeeming rewards is simple, helping you stay focused on your credit score — not a complicated rewards program.

You could be considered for a credit limit increase after six months of on-time payments, which could improve your credit utilization and expedite your credit-building journey.

Cons

Its annual fee may limit its long-term value compared to other cards available with fair credit.

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

Discover it\u00ae Secured Credit Card<\/a> 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.<\/div>","pros_and_cons_header":"What you should know","pros":["It is one of the few secured cards that earns more than 1 percent cash rewards on general purchases. ","You might be able to earn back your deposit and upgrade to an unsecured Quicksilver card with responsible card use."],"cons":["The variable APR is high, so you\u2019ll want to avoid carrying a balance on this card.","For people who want to rebuild credit, a rewards program could prove distracting."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":"You can prequalify before applying, which is beneficial for maintaining your credit score."},"program":null,"tags":[]})" >

Best secured card for flat-rate rewards

Add to compare

Capital One Quicksilver Secured Cash Rewards Credit Card

Bankrate score

4.0

Bankrate review

Bankrate score

4.0

Bankrate review

No Credit History

Apply now

on Capital One's secure site

See Rates & Fees

Intro offer

Intro offer is not available for this Capital One credit card.

N/A

Rewards rate

1.5% - 5%

Annual fee

Regular APR

29.99% (Variable)

Why you’ll like this card: You can prequalify before applying, which is beneficial for maintaining your credit score.

- 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
What we love: Its rewards rates are on par with the full-fledged Capital One Quicksilver Cash Rewards Credit Card, making it one of the best flat-rate secured rewards cards. What’s more, there is no annual fee to worry about while you focus on credit building.

Alternatives: The flat 1.5 percent cash rewards on a secured card is hard to beat, but the Discover it® Secured Credit Card may prove a worthy competitor. Its 2 percent back at gas stations and restaurants (on up to $1,000 in combined purchases per quarter, then 1 percent) are key earning categories that edge out the Quicksilver Secured.
Pros

It is one of the few secured cards that earns more than 1 percent cash rewards on general purchases.

You might be able to earn back your deposit and upgrade to an unsecured Quicksilver card with responsible card use.

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

Card Name	Best for	Bankrate Review Score
Capital One Quicksilver Cash Rewards Credit Card	Simplicity	3.8 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One SavorOne Cash Rewards Credit Card	Dining and entertainment	5.0 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Venture Rewards Credit Card	Frequent travelers	4.9 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One VentureOne Rewards Credit Card	Occasional travelers	4.1 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Venture X Rewards Credit Card	Premium travel rewards	5.0 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Spark Miles for Business	Business travel	4.4 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Spark Cash Plus	Small businesses	4.6 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Platinum Credit Card	Limited credit history	4.2 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Platinum Secured Credit Card	Consumers with bad credit	4.1 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Quicksilver Student Cash Rewards Credit Card	Best flat-rate cash back for students	4.0 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One SavorOne Student Cash Rewards Credit Card	Best overall for students	4.6 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One QuicksilverOne Cash Rewards Credit Card	Fair credit	4.0 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees
Capital One Quicksilver Secured Cash Rewards Credit Card	Secured card for flat-rate rewards	4.0 / 5 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. (Read card review) Apply now on Capital One's secure site See Rates & Fees

On This Page

What is a Capital One credit card?

Capital One is a well-known financial institution that has made a significant impact in the realm of credit cards.

With a diverse array of offerings tailored to various needs, credit levels and lifestyles, Capital One’s credit cards emphasize flexibility, accessibility and customer-centric features. Through strategic partnerships, robust rewards programs and digital tools, Capital One has solidified its reputation as a leading provider of credit card solutions that cater to a broad spectrum of consumers.

Types of Capital One credit cards

Capital One offers a variety of credit cards spanning multiple categories. Here are just a few types of credit cards you can find with Capital One.

Capital One’s cash back credit cards carry lucrative earning rates in many categories that can easily match your spending, like dining, travel and everyday purchases. Foodies, jetsetters and even no-frills cash back enthusiasts should have no problem choosing a card that suits them.

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 Venture X card has many travel perks and benefits that competitor 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 offering rewards.

Editor’s choice: Capital One Platinum Secured Credit Card
If you’re a student, you can take advantage of one of Capital One’s cards. They don’t typically charge an annual fee and offer cash back rewards on many of your purchases. 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 & Fees)

Capital One credit card pros and cons

Pros

Credit card variety: Capital One has a long lineup of cards designed for a variety of spending habits.
Wide credit score range: Whether you have bad credit or excellent credit, Capital One has a card designed to help you achieve your financial goals.
Numerous travel benefits: Capital One’s travel cards don’t charge foreign transaction fees and most come with solid perks useful for travelers.

Cons

Annual fees: Many Capital One cards have an annual fee. However, some business cards waive the fee in the first year or can easily be offset.
Higher-than-average APR: Many Capital One cards have a relatively high ongoing APR, so cardholders should avoid carrying balances.
Few luxury options: Capital One only offers one high-end credit card, meaning competitors may offer more in terms of rewards and overall value.

Bankrate Insight

Capital One ranked as the fourth-best credit card issuer for customer satisfaction in the 2023 J.D. Power U.S. Credit Card Satisfaction study.

Capital One rewards

Capital One rewards programs help cardholders earn cash back, points or miles on every purchase and in several key spending categories, with many cards offering rewards on dining, travel, groceries and more. Capital One rewards also carry solid value and flexibility, with a wide range of redemption options available.

One of the key advantages of Capital One rewards is how easy they are to redeem. Cardholders have several redemption options, including cash back as a statement credit or check, purchases on Amazon.com and travel (either by booking through Capital One's travel portal or by transferring points to partner airline and hotel loyalty programs). This flexibility allows cardholders to make the most of their rewards based on their preferences and goals.

Capital One cards tend to offer simple, transparent rewards programs that make it easy for cardholders to earn rewards without worrying about rotating categories or spending caps.

Overall, Capital One rewards programs offer cardholders the opportunity to earn valuable rewards on their everyday spending and easy redemption, making the issuer an appealing choice for rewards-savvy cardholders.

Expert advice for Capital One credit cards

If you’re interested in adding a Capital One card to your card lineup, here are some tips to help you find and use the right card for your needs.

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.

1. Choose cash back or miles
  
  Capital One excels in cash back and travel credit cards. If you don’t have many travel plans 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.
2. Compare annual fees
  
  Some of Capital One’s best credit cards come with an annual fee. Make sure you can earn enough rewards or use the card's perks, if any, to offset the annual fee. If you don't spend enough to offset the costs, a no-annual-fee card can let you focus on earning rewards.
3. Check your credit score
  
  Most of Capital One’s best credit cards require at least good credit. If your credit is poor, you might be able to get approved for a secured credit card or one of Capital One’s student credit cards.
4. Look at first-year offers
  
  Capital One cards often come with welcome and intro APR offers that increase the card's first-year value. Welcome offers typically have a spending requirement that you must reach within a fixed timeframe, so you should choose a Capital One card with an offer you can attain without spending beyond your means.
  
  A Capital One card with a zero percent intro APR offer on new purchases and balance transfers can help you save on interest. If you need to consolidate credit card debt or manage a large purchase, look for a Capital One card with these offers.
5. Consider perks and benefits
  
  You can enjoy a lot of potential benefits as a Capital One cardholder, like lounge access, card protection services and statement credits. Typically, Capital One cards with higher annual fees will carry more lucrative perks.
  
  However, you should figure out if the cost of carrying the card justifies the added perks and if you’ll actually use them. While lounge access is an appealing benefit, you might not be able to take full advantage if you travel infrequently. Look for a card with practical perks that best suit your needs.

You can also see if you are pre-approved for certain Capital One cards without harming your credit score. While not all cards offer pre-approval, you can check for pre-approval for many popular Capital One cards. You can also use Bankrate's CardMatch™ tool to see if you match with a Capital One card. If you’re unsure if a Capital One credit card is right for you, check out our Credit Card Spender Type Tool. You can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Our data: Cash back vs. travel Capital One credit cards

Capital One has plenty of great credit cards for people who want to earn cash back or travel rewards. Its SavorOne and Venture X cards even got top picks in the 2024 Bankrate Awards. So if you’re looking at the best Capital One credit cards, you’re not alone. Plenty of Bankrate readers in 2023 clicked on Capital One credit card offers on our site to learn more about the cards.

But which one is more popular: Capital One cash back credit cards or Capital One travel rewards credit cards?

According to our proprietary data, Bankrate readers are split between Capital One’s cash back and travel credit cards. In 2023, the same percentage of readers clicked on both types of Capital One card offers — cash back and travel rewards. This data suggests that you can’t go wrong with either type of Capital One card, and which one is better depends on your preferences and needs.

What one Bankrate writer loves about his Capital One credit cards

Bankrate writer Ryan Flanigan has several Capital One credit cards to his name, including the Capital One Venture X Rewards card. He notes that while Capital One credit cards aren’t necessarily the strongest on the market, their useful perks and ability to pair together well and help them stay competitive.

“Capital One has really stepped its game up recently. The Venture X was my first Capital One card — I was attracted to the high bonus and its great features, like gifting lounge access to four authorized users, which instantly made me the most popular person in my family. I later added the Business Venture X and Spark Business Cash cards when they also had elevated offers.

I also like being able to cover recent travel purchases with rewards, which comes in handy for paying for travel experiences that I otherwise can't save money on. Capital One’s cash back cards also pair well with this feature, because I can either cash out everything from my Venture cards or convert my miles into cash.

These cards might not be the best on their own, but when put together, they make a formidable team that can easily rival what you can do with other issuers.”
— Ryan Flanigan, Writer, Credit Cards

Tips for maximizing a Capital One card

Capital One boasts a versatile suite of cards, but no matter the type of card you can maximize your card in several ways and avoid common pitfalls.

Don't forget about the sign-up bonus

If your card offers a sign-up bonus, be sure you can meet its requirements. As long as you don't overspend, a sign-up bonus can be well worth it, adding savings to your wallet with little effort.
Optimize your card's bonus categories

Capital One cards like the SavorOne have tiered bonus categories, so make sure to optimize its rewards or cash back structure. A Capital One card that offers 3 percent cash back on dining should be used anytime you go out to eat, for instance. If you have multiple Capital One rewards cards, use the card that will get the most rewards or cash back from a particular purchase.
Explore your redemption options

Capital One rewards card will usually have different ways you can redeem your points, miles or cash back. A cash back card might let you redeem for a gift card or you could apply your rewards directly to your account as a statement credit.
Consider point transfers

For travel cards, it's typically best to redeem miles for travel spending through the Capital One travel portal, but sometimes transferring your miles to an airline or hotel can get you a better deal. According to Bankrate's recent valuations, Capital One miles are worth about 1.7 cents per mile, so travel redemptions are generally more lucrative than non-travel options.

Are Capital One cards worth it?

Capital One cards are certainly worth it. If you value cash back or high-earning travel cards, then Capital One has a card for you. Its travel credit cards rival those from American Express and Chase while costing less in annual fees. And the SavorOne card offers lucrative cash back at grocery stores (excluding Walmart and Target), restaurants and on takeout. 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.

What people say about Capital One cards

Users on popular subreddits such as r/CreditCards and r/personalfinance, generally recommend Capital One for its wide range of options and impressive rewards rates, but some criticize the issuer when it comes to credit limit increases and the allocation of “bucketed” credit cards to certain consumers.

The Capital One Venture X and the Capital One SavorOne are popular choices among Reddit users. The Venture X card in particular is often recommended for its generous rewards program and flexible redemption options, with users noting the ability to earn miles on every purchase as especially appealing for frequent travelers. The SavorOne card is also touted for its elevated cash back rates and low cost.

“I recently upgraded to the Venture X and it’s worth it for the lounge access alone. I live near one of their three active lounge locations and it’s easily in the top 5 lounges I’ve been in post COVID. Add in the travel credit and 2X miles on everything plus all the other perks and I wish I’d upgraded sooner.”
— Reddit User

“I have had [the Capital One SavorOne card] for almost a year, and I can tell it’s one of my favorite cards ever. For a no [annual] fee card, the multipliers and Uber benefits are really good, and having no foreign transaction fee makes it my groceries and dining card when I travel abroad, and since it’s Mastercard it’s basically accepted anywhere.” See Rates & Fees
— Reddit User

Redditors also frequently mention Capital One’s user-friendly mobile app, which makes it easy to manage your accounts, track spending, and redeem rewards. The ability to lock or freeze a card if it is lost or stolen is also a feature that users find valuable for security purposes.

However, some Reddit users have expressed frustration with Capital One's credit limit increase process. They report that the credit limits granted by Capital One can be relatively low and that it can be challenging to obtain a substantial limit increase over time, even for individuals with an established credit history. This limitation can keep cardholders from maximizing their purchasing power or make it harder to keep their credit utilization in check.

Another common criticism revolves around Capital One's practice of bucketing credit cards for certain consumers. Bucketing refers to the practice of placing consumers into different credit profiles based on their creditworthiness, which may limit their access to certain card benefits, rewards or promotional offers. Some Redditors have voiced their dissatisfaction with not being able to upgrade their card or access better perks despite having a good credit history.

The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

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

250+

cards rated

50+

rewards programs valued

5000

data points analyzed

40+

perks evaluated

When evaluating the best credit cards from Capital One, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest.

We analyzed over 250 of the most popular credit cards and selected standouts. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup.

Here are some of the key factors that we considered:

Since many cardholders are eager to earn rewards, a key criteria for a card’s inclusion in our list is whether it offers impressive rewards value. This includes a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we calculate its average rewards rate based on how much it earns in different bonus categories, as well as how closely those categories match the average person’s spending habits. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2021 was $66,928 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.

This includes the following spending by category:
- Groceries: $5,200
- Dining out: $3,000
- Entertainment: $2,500
- Gas: $2,100
- Apparel and services: $1,700
Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 23 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.
We also rate all cards based on how their ongoing average APR compares to the average APR you’ll find other cards in their primary category. However, the impact of an especially high or low APR on a card’s overall score depends on its primary category.

For rewards-earning cards, this factor has only a minor influence on the card’s score and whether the card is included in our list, since rewards card users generally try to avoid carrying a balance. That said, rewards-earning cards may get a solid boost in score and be more worthy of inclusion in our list if they also offer an intro APR on balance transfers or new purchases, since such offers aren’t always present on these cards.

More important to these cards’ scores and their inclusion in our list is how their annual fees influence their overall value. We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value.

Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value. However, if a card offers terrific value via its ongoing rewards and perks, it can earn a high score and a spot in our list even if it carries a high annual fee. After all, the highest rewards rates and most valuable perks are often found on cards with annual fees.

Interest rates and intro APR offers play a much larger role in a card’s score and whether it’s included in our list when the card is designed specifically for users looking to save on interest charges, such as dedicated balance transfer or low-interest cards.

Other fees considered include cash advance and late payment fees, along with penalty APRs.
Along with rewards value and cost, we consider other factors that could give cards great long-term value, like flexible rewards redemption and especially unique and valuable perks.

We rate rewards-earning cards based on the restrictions they impose on earning and redeeming rewards and consider this when deciding on a card’s inclusion in our list.

These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards. We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners.

We also evaluate each card’s perks based on their value, usefulness and uniqueness. Cards that offer top-tier benefits like airport lounge access or travel credits are likely to stand out, but we also aim to highlight cards that offer valuable under-the-radar perks, like cellphone protection or one-off credits for everyday expenses like dining and streaming services.

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 depends on your credit score and history. Secured cards and credit cards for limited credit might carry higher interest rates than average. 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 fair, you might qualify for the more lucrative Capital One QuicksilverOne Cash Rewards Credit Card, which earns cash back.
The “best” option depends on your own financial situation first, but Capital One has a few leading credit cards:
- 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 calling or filling out your request online. A history of on-time payments and low credit utilization will work to your advantage when making your request. However, a few scenarios might prevent a credit line increase on your Capital One card:
- The account was opened within the past few months.
- The card is a secured credit card.
- You’ve recently received a credit line increase or decrease.
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.
Contact customer service at the number on the back of your current card to start the upgrade process. Capital One can 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.

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.
1. Credit Card Issuers Must Confront Consumers’ Mounting Debt, J.D. Power Finds. J.D. Power. Accessed on June 19, 2024.

Steve Dashiell Editor, Credit cards

Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.

Courtney Mihocik Senior Editor, Credit Cards

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…

* 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.

Best Capital One credit cards of July 2024

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Table of contents

Why choose Bankrate

Bankrate's Top Picks for Capital One Credit Cards:

Table of contents

Capital One Quicksilver Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Capital One Venture X Rewards Credit Card

Capital One Spark Miles for Business

Capital One Spark Cash Plus

Capital One Platinum Credit Card

Capital One Platinum Secured Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card

Compare our top picks for Capital One credit cards

What is a Capital One credit card?

Types of Capital One credit cards

Cash back credit cards

Travel credit cards

Credit-building credit cards

Student cards

Capital One credit card pros and cons

Pros

Cons

Bankrate Insight

Capital One rewards

Expert advice for Capital One credit cards

How to choose a Capital One credit card

Choose cash back or miles

Compare annual fees

Check your credit score

Look at first-year offers

Consider perks and benefits

Our data: Cash back vs. travel Capital One credit cards

What one Bankrate writer loves about his Capital One credit cards

Tips for maximizing a Capital One card

Don't forget about the sign-up bonus

Explore your redemption options

Consider point transfers

Are Capital One cards worth it?

What people say about Capital One cards

How to get a Capital One credit card

How we chose our top Capital One credit cards

How we assess the best Capital One credit cards

Solid rewards value

Reasonable fees and APR

Flexibility and perks

Frequently asked questions about Capital One credit cards

What are the interest rates on Capital One credit cards?

What is the easiest Capital One card to be approved for?

What is the best Capital One credit card?

How many Capital One cards can you have?

How do you increase your credit limit with Capital One?

How do you upgrade a Capital One card?

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