Capital One is a well known credit card issuer. It’s no stranger to the highlight — you’ve most likely seen its celebrity-driven TV commercials or on-line adverts in your travels.
Thanks partly to its aggressive promoting marketing campaign, hundreds of thousands of U.S. shoppers use Capital One merchandise. Right here, we’ll spotlight the very best Capital One bank cards, together with:
- Beneficiant cash-back credit cards that earn actual returns on on a regular basis spending
- Broad-based travel rewards credit cards that may cut back the price of home and worldwide journey with out forcing you to stay loyal to a selected vendor or alliance
- Small-business credit cards for companies massive and small
- Miscellaneous bank cards designed for college kids and folks with below-average credit score
Finest Capital One Credit score Playing cards
These are the very best Capital One bank cards in the marketplace proper now. Every of those bank card presents is topic to vary, particularly round options like early spend bonuses and 0% intro APR promotions. Examine this checklist typically for the most recent particulars.
1. Finest General: Capital One Enterprise Rewards Credit score Card
The Capital One Venture Rewards Credit Card (also referred to as Enterprise from Capital One) is Capital One’s flagship flat-rate journey rewards bank card.
Enterprise was one of many first journey playing cards to supply limitless 2x miles on all spending, no matter buy class. Right this moment, the rewards program is even higher, because of a brand new 5x miles tier for accommodations and rental vehicles booked by means of Capital One Journey.
Enterprise’s rewards program makes it a fantastic on a regular basis spending card for individuals who wish to get away occasionally. And in contrast to branded airline and hotel rewards credit cards, Enterprise doesn’t care who you spend your hard-earned journey {dollars} with — solely that you simply’re getting some a lot deserved R&R.
When you journey often sufficient to offset the $95 annual payment and aren’t notably loyal to an airline alliance or hospitality household, this card must be excessive in your journey rewards quick checklist.
Extra options:
- Earn an early spend bonus of 75,000 miles after you spend $4,000 on purchases inside three months of your account opening date — price $750 when redeemed for assertion credit in opposition to journey purchases made together with your Enterprise card
- Miles don’t expire so long as your account stays open and in good standing
- No overseas transaction payment
- Use your Enterprise card to pay your Global Entry utility payment and get a press release credit score for the complete quantity (as much as $100)
- $95 annual payment
Learn More About the Capital One Venture Rewards Card
2. Finest for Flat-Fee Money Again: Capital One Quicksilver Money Rewards Credit score Card
The Capital One Quicksilver Cash Rewards Credit Card is Capital One’s flagship flat-rate cash-back card.
Quicksilver boasts a flat, limitless 1.5% cash-back price on all purchases, with no caps or limits in your incomes potential. Plus, your factors by no means expire so long as your account stays open and in good standing. And you may redeem in any quantity.
When you’re searching for an easy cash-back bank card with no annual payment or overseas transaction payment and a pleasant set of value-added advantages, this could possibly be the cardboard for you.
Extra options:
- Get $200 as an early spend bonus after you spend at the least $500 on purchases inside three months of your account opening date
- Money again doesn’t expire so long as your account stays open and in good standing
- Take pleasure in 0% intro APR on purchases and stability transfers for 15 months from account opening, then variable common APR applies (at the moment 19.99% to 29.99%), after that stability switch payment applies.
- Redeem your amassed money again for assertion credit, paper checks, and reward playing cards in any quantity
- Schedule recurring, automated redemptions at sure cash-back thresholds
- No annual payment or overseas transaction payment
- Stability Switch Payment applies to balances transferred at a promotional price
Learn More About the Capital One Quicksilver Cash Rewards Card
3. Finest for Frugal Vacationers: Capital One VentureOne Rewards Credit score Card
The Capital One VentureOne Rewards Credit Card is Enterprise’s littler, lesser-known cousin. The rewards price is decrease and the early spend bonus is smaller, as an illustration. However there’s loads to love about this card, from a reasonably lengthy 0% APR buy promotion to the slew of journey reductions and upgrades out there to cardholders.
Oh, and there’s no annual payment. For infrequent vacationers searching for a no-strings-attached return on spending, VentureOne is tough to beat.
Extra options:
- Earn 20,000 miles after you spend $500 on the cardboard inside 3 months from account opening (price $200 when redeemed for journey).
- Earn limitless 1.25 miles per $1 spent on all purchases, with no caps or restrictions
- As soon as earned, miles by no means expire
- Take pleasure in 0% intro APR for 15 months on purchases and stability transfers, then variable common APR applies (at the moment 19.99% to 29.99%)
- No annual payment or overseas transaction payment
Learn More About the Capital One VentureOne Rewards Card
4. Finest for Eating and Leisure: Capital One SavorOne Money Rewards Credit score Card
The Capital One SavorOne Money Rewards Credit score Card is the very best cash-back bank card for individuals who get pleasure from an excellent meal, interval. Whether or not you’re eating out or cooking in, you’ll be able to depend on all food-related purchases in your SavorOne card to earn limitless 3% money again.
SavorOne has two different favored classes. One — leisure — appeals to cardholders preferring to exit. The opposite — streaming services — caters to cardholders who’d simply as quickly keep in.
Extra options:
- Earn a one-time $200 money bonus after you spend $500 on purchases throughout the first 3 months from account opening
- Earn limitless 1% money again on all different eligible purchases
- Redeem in any quantity for a press release credit score or paper examine
- No annual payment or overseas transaction payment
Learn More About the Capital One SavorOne Cash Rewards Card
5. Finest for Enterprise House owners: Capital One Spark Money Plus
Capital One Spark Cash Plus is Capital One’s flagship enterprise cash-back bank card.
The spotlight: Spark Money Plus earns limitless 2% money again on all purchases, with no caps or restrictions in your incomes potential. That’s a fantastic price of return for normal enterprise spending.
When you spend hundreds of {dollars} per 30 days to maintain a thriving enterprise operating, this beneficiant, limitless price can actually add up.
Extra options:
- Earn a one-time money bonus of $1,200 when you spend $30,000 within the first 3 months.
- Get your $150 annual payment refunded every year you spend at the least $150,000
- Money again doesn’t expire whereas your account is opening and in good standing
- Redeem your money again in any quantity for assertion credit or paper checks
- No overseas transaction payment
- No payment for extra worker playing cards
- $150 annual payment
Learn More About the Capital One Spark Cash Plus Card
6. Finest for Enterprise Vacationers: Capital One Spark Miles for Enterprise
A couple of twists apart, Capital One Spark Miles for Business is the enterprise model of the Capital One Enterprise Rewards Credit score Card.
It’s a fairly priced, beneficiant choice for enterprise house owners who journey often and aren’t particularly loyal to any specific hospitality household or airline alliance. Which makes it probably the greatest enterprise journey playing cards, bar none.
Extra options:
- Earn 50,000 bonus miles after you spend $4,500 on purchases inside three months of your account opening date — price $500 when redeemed for assertion credit in opposition to journey purchases
- Miles don’t expire so long as your account stays open and in good standing
- Redeem your miles for assertion credit in opposition to prior journey purchases
- Switch miles to a couple of dozen taking part Capital One journey companions at favorable conversion charges
- The $95 annual payment is waived within the first 12 months
- No overseas transaction payment
- No payment for extra worker playing cards
- Get a press release credit score as much as $100 in opposition to a qualifying Global Entry or TSA PreCheck utility payment
Learn More About the Capital One Spark 2X Miles Card
7. Finest for Honest Credit score: Capital One QuicksilverOne Money Rewards Credit score Card
The Capital One QuicksilverOne Cash Rewards Credit Card is quite a bit like its better-known sibling, the Quicksilver Money Rewards card. But it surely’s designed for individuals with common credit score — of us who nearly definitely wouldn’t qualify for the flagship Quicksilver card, or many different Capital One bank cards for that matter.
When you’re within the strategy of building or rebuilding your credit and wish to earn a stable return on spending alongside the best way, that is your card.
Extra options:
- Earn limitless 1.5% money again on all purchases, with no caps or restrictions on how a lot you’ll be able to earn
- Money again doesn’t expire so long as your account stays open and in good standing
- Redeem in any quantity for assertion credit and different money equivalents
- $39 annual payment
- No overseas transaction payment
- Check your credit score at any time with the CreditWise app
Learn More About the Capital One QuicksilverOne Cash Rewards Credit Card
8. Finest for College students: Capital One SavorOne Pupil Money Rewards Credit score Card
The Capital One SavorOne Student Cash Rewards Credit Card is quite a bit just like the “grownup” SavorOne card. The largest distinction is the truth that it’s marketed completely to college students enrolled in qualifying greater schooling establishments.
The beneficiant money rewards program, full with 4 broad 3% cash-back classes, stays the identical. Which makes SavorOne scholar one of many best student credit cards in the marketplace, interval.
Extra options:
- Earn $50 whenever you spend $100 within the first 3 months.
- Earn limitless 3% money again qualifying eating, leisure, streaming service, and grocery retailer purchases (excluding Walmart and Goal purchases)
- Earn limitless 1% money again on all different eligible purchases
- Redeem for a press release credit score or paper examine in any quantity
- No annual payment or overseas transaction payment
- Turn into eligible for a credit score line enhance in as little as six months with accountable card use and well timed funds
Learn More About the SavorOne Student Cash Rewards Credit Card
9. Finest for Unhealthy Credit score: Capital One Platinum Secured Credit score Card
The Capital One Platinum Secured Credit Card is a everlasting inclusion on our checklist of the best secured credit cards for rebuilding credit. It’s a secured different to different entry-level playing cards and acceptable for individuals with restricted or bad credit.
Like all secured credit cards, Platinum Secured From Capital One requires an upfront deposit to open your account — at the least $49. You don’t get that deposit again till you repay your stability in full and shut your account.
So long as you’re OK with that, Platinum Secured From Capital One could possibly be your ticket to higher credit score and better buying energy.
Extra options:
- Your preliminary credit score restrict is at the least $200 — making Platinum Secured one of many few secured playing cards to supply an preliminary credit score restrict greater than the preliminary deposit
- Improve your credit score restrict by depositing extra funds into your safe account
- No annual payment or overseas transaction payment
- Make your first 5 month-to-month funds on time and apply for a better credit score restrict with no extra deposit required
- Examine your credit score rating any time with the CreditWise app
Learn More About the Capital One Platinum Secured Credit Card
Methodology: How We Select the Finest Capital One Credit score Playing cards
We weigh a number of key elements when evaluating bank cards, together with card charges, rewards, early spend bonuses, 0% APR promotions, and normal card advantages. The Capital One playing cards on this checklist rating higher than any others on a wide range of metrics.
Rewards Program
Many of the playing cards on this checklist earn rewards — both money again or journey miles. Capital One’s rewards packages are typically easy, each on the incomes and redeeming sides, which is sweet for people who don’t like to leap by means of numerous hoops to get what’s theirs.
In fact, all else being equal, we want Capital One playing cards that supply spectacular returns on spending and versatile redemption choices.
Annual Payment
By and enormous, Capital One bank cards have low charges. People who do cost annual charges are inclined to maintain them cheap — often beneath $100.
That’s a far cry from high-end competitor merchandise reminiscent of The Platinum Card from American Express ($695 annual payment) and Citi Prestige ($495 annual payment). Even so, we’re cautious about selling Capital One playing cards that we really feel don’t supply good worth.
Different Card Charges
Capital One doesn’t cost overseas transaction charges or stability switch charges both. If cheap charges are a key consideration for you — and why wouldn’t they be? — this can be a level in Capital One’s favor.
Normal Advantages
Most Capital One playing cards have prolonged warranties for bought objects with current producer warranties, complimentary rental automobile protection for leases paid in full with the cardboard, numerous journey coverages and help providers, and extra.
We word the place playing cards on this checklist go above and past almost about advantages, and name out these advantages the place acceptable.
Early Spend Bonus
Many Capital One bank cards supply nice early spend bonuses — as much as $500 money, or the equal in miles.
Keep in mind that new cardholders who’ve held Capital One playing cards within the current previous could also be ineligible for these bonuses. Capital One’s fantastic print is fairly obscure on this level. It merely says, “[bonuses] is probably not out there for current or earlier accountholders.”
When you’re unsure about whether or not you qualify for a selected card’s bonus, give Capital One a name and discuss it over with a consultant.
0% APR Introductory Promotion
A handful of Capital One bank cards have lengthy 0% APR introductory promotions for purchases, stability transfers, or each. These playing cards are inclined to rise to the highest of this checklist as a result of they’re so beneficial for cardholders planning massive purchases or coping with current high-interest bank card debt.
Capital One Credit score Card FAQs
Nonetheless have questions on Capital One bank cards? Unsure which card is best for you? Learn on for solutions to a few of the commonest questions on Capital One and its bank card division.
What’s the Finest Capital One Credit score Card?
The three-word reply: Learn the checklist!
The marginally longer reply: It relies on what you’re searching for in a Capital One bank card. For instance:
- Desire a general-purpose cash-back bank card for on a regular basis spending? The Capital One Quicksilver Money Rewards Card is your greatest wager.
- Need to earn further rewards on grocery, eating, and leisure spending? Look no additional than the Capital One SavorOne Money Rewards Credit score Card.
- Want a flat-rate journey rewards bank card? The Capital One Enterprise Rewards Credit score Card has you coated.
- Want a no-nonsense enterprise bank card? Attempt the Capital One Spark Money Plus for Enterprise card.
Do learn the complete checklist, although.
What Credit score Rating Does Capital One Require?
It relies on the cardboard you’re making use of for.
You’ll have the very best probability of qualifying for the cardboard you need with an excellent or glorious credit score rating — 740 or above, ideally. However you’ll be able to nonetheless qualify for entry-level bank cards just like the QuicksilverOne card in case you don’t have nice credit score — say, your rating is round 660.
You’ll have bother qualifying for any Capital One bank card with a credit score rating under 600, nonetheless. The one potential exception right here is the Capital One Secured card, which is designed for individuals with restricted credit score or impaired credit score.
How Many Capital One Playing cards Can You Have?
There’s no formal restrict on the variety of Capital One bank cards you’ll be able to have. Nonetheless, making use of for too many bank cards in a brief time period can ding your credit score rating and make it tougher so that you can qualify.
Capital One might impose casual limits on the variety of playing cards you’ll be able to have on a case-by-case foundation too. In case your utility for yet one more Capital One card is declined with none clear clarification, this could possibly be why.
Do Capital One Playing cards Cost Overseas Transaction Charges?
Capital One bank cards don’t cost overseas transaction charges — interval, finish of story. That is true regardless of which card you select to make use of overseas or with worldwide distributors. Simply keep in mind that foreign money alternate charges fluctuate over time, so the greenback worth of worldwide purchases may change relying on whenever you make them.
Find out how to Select the Finest Capital One Credit score Card
As bank card issuers go, Capital One is fairly easy. It doesn’t have the most important choice of cash-back or journey bank cards, nor specialty merchandise like co-branded airline or hotel rewards credit cards backed by well-liked journey retailers like Hilton or United Airways.
And the playing cards Capital One does supply are sincere and straightforward to know. Even lower-tier merchandise appear to be designed with the person in thoughts fairly than Capital One’s backside line.
Nonetheless, it’s not at all times apparent which card works greatest on your wants. In order you think about your Capital One bank card choices, ask your self the next questions:
- Do I wish to earn rewards on eligible spending?
- If that’s the case, which sort of rewards: money again, journey, or one thing else?
- Do I plan to make a big buy on my card and pay it off over time?
- Do I must switch an current stability from one other card?
- Can I earn sufficient rewards to offset the cardboard’s annual payment, if any?
- Do I desire a card that rewards me for sure varieties of purchases over others, or will a normal rewards card do?
Your solutions right here won’t lead you to a single card that’s clearly superior to all of the others. But it surely’s more likely to slender down your checklist fairly a bit.
