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Best Capital One Credit Cards

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by Sean Bryant | Updated Jan. 25, 2021

Overview of the Best Capital One Credit Cards

Capital One is one of the largest issuers of credit cards in the United States. No matter if you are looking for a card that offers cash back or travel rewards, Capital One has something that will fit your needs. For a long time Capital One has been known for their “Hassle Free” rewards, but they’re so much more than that. They offer cards with no foreign transaction fees, cards with no annual fees, cards for people with bad credit, and cards for small business owners. No matter what your situation, Capital One has a card for your wallet. We have taken the time to dive into each card and have come up with the best Capital One card based on different criteria. See More



Best Capital One Credit Card for Travel

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  • Receive a one-time early spend bonus of 60,000 miles when you spend $3,000 on purchases during the first 3 months of card membership
  • On every purchase, you will earn 2 miles per dollar
  • There's no limit to the number of miles you can earn and your miles won't expire as long as your account is in good standing
  • Receive up to a $100 credit for either Global Entry or TSA Precheck when you use your Venture Card
  • Redeem your miles without blackout dates. You can fly any airline and stay at any hotel; anytime. Transfer your miles to over ten loyalty travel programs for additional flexibility
  • No foreign transaction fees when you travel abroad

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.24% - 24.49% Variable

Benefits

If you like using your credit cards to earn travel rewards, then you have a lot of options available. Some cards allow you to earn rewards toward a specific hotel or airline, and other cards earn rewards that can be used toward any travel expense. One card that has flexible redemption options is Capital One Venture Rewards Credit Card.

When you sign up for Capital One Venture Rewards Credit Card, you will earn an early spend bonus of 60,000 miles after spending $3,000 in the first 3 months of card membership. You will earn 2x miles on every purchase that you make.

When it comes time to redeem your miles, every 100 miles is worth a $1 statement credit on any travel expense. This includes airfare, hotels, car rentals, cruises and much more. Plus, your rewards will never expire as long as your account stays active.

Things to Consider

If you are planning to make a large purchase in the near future, you should be aware that there isn’t an introductory APR on purchases or balance transfers. Instead, your Capital One Venture Rewards Credit Card will have an APR of 17.24% - 24.49% Variable. The card will also come with an annual fee of $95.

Our Verdict

If you are looking for a travel reward credit card that offers flexible redemptions, then Capital One Venture Rewards Credit Card is a great choice. Not only will you earn double miles on every purchase, but because it’s a Visa, you will receive Visa Signature benefits.

Compare Similar Travel Offers

Best Capital One Credit Card for Cash Back

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  • Earn a one-time early spend bonus of $200 when you spend $500 on purchases within the first 3 months of having an account
  • Earn unlimited 1.5% cash back - no matter the purchase
  • Categories don't change or rotate, rewards are automatic. There is no limit to the cash back you can earn and cash back won't expire as long as your account is in good standing
  • Low 0% intro APR on purchases for the first 15 months; receive 15.49% - 25.49% variable APR after that depending on creditworthiness
  • There is no annual fee and there are no foreign transaction fees when traveling abroad

Annual Fee

$0

Purchase Intro APR

0% for 15 Months

Balance Transfer Intro APR

N/A

Regular APR

15.49% - 25.49% Variable

Benefits

There was a time when earning a flat 1% cash back on a credit card was normal. Things have changed and Capital One Quicksilver Cash Rewards Credit Card is near the front of the pack. Once you are approved for this card, you will receive a $200 bonus after spending $500 in the first 3 months.

Then each time you make a purchase you will earn 1.5% cash back. There is no limit to the amount of cash back you can receive. Plus, your rewards will never expire and they can be redeemed at any time, for any amount. That means you don’t need to wait until you get to a specific level before redeeming.

Things to Consider

Capital One Quicksilver Cash Rewards Credit Card comes with an introductory 0% APR for the first 15 months on purchases. This will give you a little additional time to pay off any upcoming purchases that you might want to make. Once the introductory period is over the APR will change to 15.49% - 25.49% Variable. There is also no annual fee on this card and no foreign transaction fees. That means you can feel confident using your card when traveling outside the United States.

Verdict

If you are looking for a straightforward cash back card, then Capital One Quicksilver Cash Rewards Credit Card is the perfect choice. You will earn generous rewards on every purchase, plus you won't need to keep track of any bonus categories.

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Best Capital One Credit Card for Cash Back with Average Credit

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  • Earn unlimited 1.5% cash back - no matter the purchase
  • No need to sign up or opt-in to rotating cash back categories each quarter - earn cash back automatically
  • Capital One will automatically review your account and consider you for a higher credit line in as little as six months
  • Get access to the CreditWise app and monitor your credit score and credit report for free
  • Zero fraud liability coverage if your card is ever lost or stolen
  • There is no limit to the cash back you can earn and cash back won't expire as long as your account is in good standing
  • With responsible card use the QuicksilverOne card can help strengthen your credit
  • With the Capital One mobile app, you can set up personalized text or email reminders to help you stay current on your account

Annual Fee

$39

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

26.99% Variable

Benefits

If you have less than perfect credit, it’s difficult to find a good rewards credit card. Most will have very mediocre earnings potential. However, that’s not the case with Capital One QuicksilverOne Cash Rewards Credit Card.

With this card you will earn 1.5% cash back on every purchase that you make. There is no limit to the amount of cash back you can earn. Plus, you will not need to keep track of rotating bonus categories like other cards require.

Depending on your credit score, you might have a fairly low credit line when you first get this card. However, with responsible use you can gain access to a higher credit limit in as little as six months as Capital One will automatically review your account. This can quickly have positive effects on your credit score.

Things to Consider

Capital One QuicksilverOne Cash Rewards Credit Card does come with a $39 annual fee, but this is very low for a rewards credit card. The big thing to be aware of is that the card has a variable purchase APR of 26.99%. This is quite high, which means it’s extremely important to pay your balance in full each month. This will help you avoid any interest charges.

Our Verdict

If you don’t have perfect credit, Capital One QuicksilverOne Cash Rewards Credit Card is a great rewards credit card to choose. You will earn a generous cash back rate and you will be given the tools to build your credit score. This will help you move into an even better product in the future.

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Best Capital One Credit Card for Small Businesses

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  • Earn a one-time early spend bonus of $500 when you spend $4,500 on purchases within the first 3 months.
  • Earn 2% cash back - no matter the purchase and no limit to the amount you can earn
  • No hassle and no over the limit fee, if you make a purchase above your credit limit
  • Introductory annual fee of $0 for your first year, after that pay $95
  • Add card for your employees for free and earn cash back from their purchases
  • Zero fraud liability coverage if your card is ever lost or stolen
  • Redeem cash back at any amount, plus cash back won't expire as long as your account is in good standing
  • There are no foreign transaction fees when you travel abroad

Annual Fee

$0 for the first year, $95 after that

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

20.99% Variable

Benefits

As a small business owner, you have a lot to worry about every day. Your credit card should not be one of those things. With the Capital One Spark Cash for Business credit card you’re getting a simple, easy-to-manage card.

You will receive a $500 cash back bonus after spending $4,500 in the first 3 months. Each time you use your card for a business expense, you will receive 2% cash back on that purchase. As long as your account stays open and active, your rewards will never expire.

Allowing your employees to make business related purchases can be a great idea. Not only will this keep spending within one account, but it can also help generate rewards for the business quicker. With Capital One Spark Cash for Business card, you will be able to add employee cards a no additional cost.

Things to Consider

There is no annual fee for the first year. Then each year after, you will pay $95. The card also has a variable APR of 20.99% on purchases. This is quite high, which means it will be important that you pay off your balance each month to avoid finance charges. At this time, you cannot transfer a balance to this card.

Verdict

If you are a business owner looking for a cash back card, then Capital One Spark Cash for Business is a solid choice. Its high sign-up bonus and unlimited rewards earning potential make it stand out from most other cards.

Compare Similar Small Business Offers

Best Capital One Credit Card for Poor Credit

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  • With responsible card use, this card can help you build credit – all with no annual fee
  • This card regularly reports to the 3 major credit bureaus - unlike a prepaid card
  • The Secured Mastercard® from Capital One is accepted at millions of places worldwide
  • A security deposit of $49, $99, or $200 is determined based on your creditworthiness. Access to an authorized bank account is required for deposit.
  • Capital One® will automatically review your account and consider you for a higher credit line in as little as six months
  • Manage your account 24 hours a day from anywhere – by phone, online, or on the Capital One mobile app

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

26.99% Variable

Benefits

If you have less than perfect credit, then using a credit card is one of the best ways to build your credit score back up. However, finding a quality card from a reputable issuer can be a struggle. Secured Mastercard® from Capital One tends to be one of the best for anyone with poor credit.

This card requires a refundable security deposit, which will act as your credit line. Depending on your credit score, your deposit will be either $49, $99 or $200. This will give you an initial credit line of $200. If you want to have access to more, you can deposit up to $1,000 before your account opens.

Capital One® will automatically review your account and consider you for a higher credit line in as little as six months. To help track your progress, you will have access to your credit score each month through CreditWise.

Things to Consider

Most secured credit cards have a very high APR and Secured Mastercard® from Capital One is no different. You will receive a variable 26.99% APR on all purchases. This means it’s critical that you pay your balance in full each month. If not, your purchases will start accruing finance charges. This card doesn’t have an annual fee.

Verdict

Even though it has a high APR, Secured Mastercard® from Capital One is one of the best cards available for anyone with poor credit. This card will give you all the tools needed to build your credit score back up.

Compare Similar Poor Credit Offers

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing balance transfer credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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