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Finding the best Capital One credit card can be confusing, but we analyzed over 10 credit cards from Capital One based on annual fees & APR, customer service, and rewards programs. We reveal our top choices below.

We analyzed 10+ credit cards from Capital One based on annual fees & APR, customer service, and rewards programs. We reveal our top choices below.

Top 3 Capital One Credit Cards

#1
BEST FOR BAD CREDIT

Capital One® Secured MasterCard®

⭐️4.9 Rating

No Credit History Required

Rewards Rate
The Capital One secured card doesn’t offer rewards.

#2
BEST FOR TRAVEL

Capital One® Venture® Rewards Credit Card

⭐️5.0 Rating

Good to Excellent Credit Recommended (670-850)

Rewards Rate
Earn 2X miles on every purchase, every day.

#3
BEST FOR CASH REWARDS

Capital One® Quicksilver® Cash Rewards Credit Card

⭐️4.9 Rating

No Credit History Required

Rewards Rate
Earn unlimited 1.5% cash back on every purchase, every day

How We Chose The Best Capital One Credit Cards

Picking the right credit card can be complicated and now that you are pretty sure you want a Capital One credit card figuring out the correct one to apply for is essential.

We have chosen the best cards in each category based on overall value. Our factors include fees, sign-up bonuses, and APRs.

For rewards cards, we consider the rates at which you can earn, your redemption options, and how hard it is to redeem your rewards.

Capital One has some of the most easy-to-use credit cards, miles that are super easy to redeem, and a strong rewards program.

Best Capital One Credit Cards

We reviewed some travel cards, a couple of cashback cards, products for someone just starting out,  and even for someone who has bad credit, all backed by one of the nation’s largest banks.

Plus more detail on how each card works, how to choose the right card, and how their rewards programs work. 

🏆
Our top pick for:
Best For Bad Credit

Capital One® Secured MasterCard®

⭐️4.9Read Our Detailed Review

ANNUAL FEE
$0

REGULAR APR
26.99% (Variable)

INTRO APR
N/A

CREDIT SCORE
350 – 679 / None To  Poor

Why We Like ItPros & ConsCard DetailsRewards Rate

When you have bad credit, a secured card can help you increase your score. The Capital One® Secured Mastercard® will report to all three of the major credit reporting agencies and can give you access to a higher credit line without an additional deposit after you make your first five monthly payments on time (via the Credit Steps Program).

Pros

There is no annual fee. Among secured cards it has one of the lowest possible security deposits starting at $49.00.

(Learn more about how secured cards work.)

Cons

You can’t graduate or upgrade to an unsecured card.  

  • It’s a credit card accepted at millions of locations worldwide
  • No annual fee, and all the credit building benefits with responsible card use
  • Make the minimum required security deposit and you’ll get an initial credit line of $200.
  • Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your refundable security deposit
  • It builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Get access to a higher credit line after making your first 5 monthly payments on time 
  • Easily manage your account 24/7 with online access, by phone or using their mobile app

N/AThe Capital One Secured MasterCard doesn’t offer any rewards. 

Apply Now

on Capital One’s website

🏆
Our top pick for:
Best For Travel

Capital One® Venture® Rewards Credit Card

⭐️5.0Read Our Detailed Review

ANNUAL FEE
$0 Intro, then $95

REGULAR APR
17.24% – 24.49% (Variable)

INTRO APR
N/A

CREDIT SCORE
690 – 850/ Good To Excellent

Why We Like ItPros & ConsCard DetailsRewards Rate

The Capital One® Venture® Rewards Credit Card is at the card of choice for any frequent travelers, thanks to its rich flat-rate rewards, amazing sign-up bonus and easy redemption options.

Pros

The card earns 2 miles per $1 spent on all purchases and redemption is very easy: Either go through Capital One’s travel center, or simply book wherever you want and redeem miles for statement credit against the purchase. There’s no minimum redemption amount, either.

Cons

There’s an annual fee of $0 intro for the first year, then $95. Not a good card for redeeming cash back.

  • Get an entry bonus of 50,000 miles once you spend $3,000 within 3 months from account opening.
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates.
  • Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Named ‘The Best Travel Card’ by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Earn 2X miles on every purchase, every day.

Apply Now

on Capital One’s website

🏆
Our top pick for:
Best For Cash Back

Capital One® Quicksilver® Cash Rewards Card

⭐️4.9 – Detailed Review Coming Soon

ANNUAL FEE
$0

REGULAR APR
15.49% – 25.49% (Variable)

INTRO APR
0% For 15 Months

CREDIT SCORE
670 – 850/ Good To Excellent

Why We Like ItPros & ConsCard DetailsRewards Rate

The Capital One® Quicksilver® Cash Rewards Credit Card has set the standard for an easy to understand credit card.  Your card will also earn unlimited rewards and allows you to redeem your rewards in any amount, at any time.

Pros

You don’t have to worry about keeping up with bonus categories and there is no limit on how much you can earn. You also get a nice sign up bonus.

Cons

No major con’s; just remember to max out other rewards cards you may have for things such as dining or entertainment first.

  • One-time $150 cash bonus after you spend $500 within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards
  • 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 for 15 months

Earn unlimited 1.5% cash back on every purchase, every day

Apply Now

on Capital One’s website

🏆
Our top pick for:
Best For Dining & Entertainment

Capital One® Savor® Cash Rewards Card

⭐️ 5.0Read Our Detailed Review

ANNUAL FEE
$0 intro then $95

REGULAR APR
15.99% – 24.99% (Variable)

INTRO APR
N/A

CREDIT SCORE
690 – 850 / Good To Excellent

Why We Like ItPros & ConsCard DetailsRewards Rate

Dinner and a movie? What sets the Capital One® Savor® Cash Rewards Credit Card apart is that it earns high rewards for both the dinner and the movie. The card pays unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.

Pros

The “entertainment” category is broad and includes things like movie tickets, concerts, sporting events, tourist attractions, theme parks, dance clubs, record stores and more. There’s also a great sign-up bonus.

Cons

There’s a $95 annual fee, and it’s pretty steep for a cash-back card. If you spend less than $9,500 a year on dining and entertainment, consider the no-fee version of this card, described below.

  • No foreign transaction fees
  • No rotating categories or sign-ups needed to earn cash reward
  • Earn a one-time $300 cash bonus after you spend $3000 within the first 3 months
  • Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • Capital One cardholders get access to premium experiences in dining, entertainment and more

Earn unlimited 4% cash back on dining and entertainment2%Earn 2% at grocery stores1%Earn 1% on all other purchases

Apply Now

on Capital One’s website

🏆
Our top pick for:
Best For Average Credit

Capital One® Platinum Credit Card

⭐️ 4.3  – Detailed Review Coming Soon

ANNUAL FEE
$0

REGULAR APR
26.99% (Variable)

INTRO APR
N/A

CREDIT SCORE
630 – 689/ Average

Why We Like ItPros & ConsCard DetailsRewards Rate

The Capital One® Platinum Credit Card is an ideal choice for anyone with average credit who won’t carry a balance, don’t want to pay for carrying a card.

Pros

No Annual Fee and if you make your first five monthly payments on time, Capital One may give you access to a higher credit line. You can choose your own due date, which lets you schedule payment for the time of the month that best suits your cash flow. 

Cons

There are no rewards. Plus, the ongoing APR is on the high end at 26.99% Variable APR.

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee – and pick your own monthly due date 
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

The Capital One Platinum Card doesn’t offer any rewards. 

Apply Now

on Capital One’s website

🏆
Our top pick for:
Best For Students

Journey® Student Rewards from Capital One®

⭐️ 4.0  – Read  Our Detailed Review

ANNUAL FEE
$0

REGULAR APR
26.99% (Variable)

INTRO APR
N/A

CREDIT SCORE
630 – 685/ Average

Why We Like ItPros & ConsCard DetailsRewards Rate

Journey® Student Rewards from Capital One® gives you 1% cash back on all your purchases, plus 0.25% back when you make your monthly payment on time, for a total of 1.25% cash back. That makes it one of the best cards for a student card.

Pros

The annual fee is $0. Pay on time your first five months, and your account will be considered for a higher credit line. You also don’t have to be a student to apply for the Journey card, making it a good option for someone with average credit.

Cons

Not for students who have already built a solid amount of credit.

  • Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

Earn 1% cash back on all your purchases.1.25%Pay on time to boost your cash back to a total of 1.25% for that month.

Apply Now

on Capital One’s website

🏆
Our top pick for:
Best For Small Business Cash Back

Capital One® Spark® Cash for Business

⭐️ 5.0  – Detailed Review Coming Soon

ANNUAL FEE
$0 intro then $95

REGULAR APR
18.49% (Variable)

INTRO APR
N/A

CREDIT SCORE
690 – 850 / Good To  Excellent

Why We Like ItPros & ConsCard DetailsRewards Rate

The Capital One® Spark® Cash for Business has some of the best cash rewards around and is an ideal option for the right business owner. If you run a small business this card should be in your wallet.

Pros

In addition to its 2% flat-rate earnings, the card offers an attractive sign-up bonus. You’ll also get business-specific perks like an itemized expense summary at the end of the year.

Cons

It’s got a $95.00 annual fee.

  • Earn a one-time $500 cash bonus once you spend $4,500 within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won’t expire for the life of the account.
  • You can redeem your cash back for any amount
  •  No foreign transaction fees

Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.

Apply Now

on Capital One’s website

Compare Capital One Credit Cards

Use the table below to compare Capital One credit cards head to head.

Credit CardBest ForAPRAnnual Fee

Capital One® Secured MasterCard®

Bad Credit

26.99%

(Variable)

$0


Capital One® Venture® Rewards Credit Card

Travel

17.24 – 24.49% (Variable)

$95



Capital One® Quicksilver® Cash Rewards Card
Cash Back

15.49% – 25.49%

(Variable)

$0


Capital One® Savor® Cash Rewards Card
Dining

15.99% – 24.99%

(Variable)

$95


Platinum Credit Card

Fair Credit 26.99%

(Variable)

$0

Journey® Student Rewards from Capital One®

Students

26.99%

(Variable)

$0

Capital One® Spark® Cash for Business

Small Business

18.49%

(Variable)

$95

Which Capital One Card Is Best For You?

The specific Capital One credit card you choose is going to be based on your particular lifestyle and what you currently need. Below are a few examples of what might work for you: 

You Love To Dine Out

If you are all about the food life and being a self-proclaimed food critic, then you are probably going to get the best results from the Savor Cash Rewards Card that gives 4% back on dining out and entertainment.  

And here’s the thing, if you want to avoid an annual fee, you can get the SavorOne card; however, you only get 3% cash back for dining and entertainment with that card. The best thing is that either way you go, it’s unlimited cashback.

You’re A Non-Stop Traveler 

There is probably no better travel card than the Venture Rewards card if you are going to be hopping on either domestic or international flights. If you find that you don’t travel too often, however, the VentureOne Rewards could be best for you since it doesn’t come with an annual fee. 

You Prefer Cash Back

If you need a cashback card that is super simple and doesn’t take much thought about how the rewards will work, then you need either The Quicksilver or QuicksilverOne card. 

They both offer the same cashback; however, the QuickSilver one has an annual fee and no signup bonus; but allows you to get approved with “Fair” credit. 

You Are New To Credit

The best overall card to choose from if you are new to credit is the Capital One Platinum Card. The Platinum card won’t give you all the bells and whistles that you get from let’s say a Quicksilver; however, it will help you to establish a stronger credit profile and give you an unsecured credit card.

You Need To Build Credit

The Capital One Secured MasterCard is going to be the best option for you if you have bad credit or need to rebuild your credit. It’s probably one of the best secured credit card options available on the market. It offers one of the lowest security deposits and also the ability to have a credit limit increase after a few on-time payments.

You Own A Small Business

If you are a small business owner, then the Spark Business cards will work best for you. There is one for Cash Back (Spark Cash For Business), Travel (Spark Miles For Business), and then the traditional Spark Classic card. You will get an annual fee; however, these are some of the best cards for small business owners.

How To Redeem Capital One Rewards

It’s relatively easy to redeem the rewards on all of the capital one cards.

You can redeem your cashback on the Savor, Spark Cash, or Quicksilver Cash Back card with automatic redemptions or as a check. There is also an option to redeem them for a statement credit or gift card. 

Redeeming your miles with the Venture or Spark Miles card is as simple as using the purchase eraser as a statement credit. You can also use the points to book a car rental, hotel, or flight.

Extra Benefits Of A Capital One Credit Card

One of the best things about the cards from Capital One is that they don’t charge any Foreign Transaction Fees. They also offer travel accident insurance coverage on the cards as well as: 

Travel & Retail Benefits:

  • Auto rental collision damage waiver for damage due to theft or collision
  • Travel accident insurance for covered losses at no extra charge
  • No Capital One credit card has a foreign transaction fee
  • 24-hour travel assistance for an emergency replacement card or a cash advance
  • An extended warranty at no extra charge

Services

  • CreditWise is offered to allow you to monitor your credit reports
  • Eno allows you to keep tabs on your account and lets you pay your bills

Security

  • Security and account alerts by phone, email or text
  • Fraud coverage with $0 fraud liability

About Capital One

Capital One is the 10th largest bank in the United States and has become a staple in the credit card industry. Believe it or not, they have actually only been around since 1994, but they seem much older.

There is no surprise when it comes to the number of services offered by Capital One, from personal to business and commercial, here are some of the services they provide: 

Personal

  • Banking – Checking & Savings Accounts & 360 Banking Centers
  • Auto Loans – One of the largest Auto Finance Companies
  • Credit cards – Cash Back, Rewards, Credit Building, & Credit Monitoring
  • Investing – Capital One Investing

Business

  • Borrow – Business Loans
  • Invest – 401K and Capital One Investing
  • Credit cards – The Spark Suite Of Cards
  • Banking – Business Checking & Savings
  • Manage – Cash Management + Merchant Services

Commercial

  • Deposit Services – Commercial Checking Account 
  • Private Banking & Wealth Management Commercial lending – Term Loan Lending
  • Corporate Card – The One Card from Capital One

Taking Action

I genuinely believe we have gone over the best Capital One credit cards for 2020 and given you several great options to choose from.

It doesn’t matter what your credit needs are; Capital One can help you with their portfolio of strong credit cards.

Now that you have all the information you need to make a decision, it’s time to get your card and to start enjoying your rewards.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.