Best Capital One Credit Cards

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’ll receive a one-time early spend bonus of 75,000 miles after spending $4,000 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 17.49% - 25.49% 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.

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 and balance transfers. 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 19.74% - 29.74% 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.

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 the 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, the 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.

Benefits

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

You will receive an early spend bonus of up to $1,000: $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months with the card. Each time you use your card for a business expense, you will receive 2% cash back on that purchase. Plus, you can get $200 in additional cash back every year that you spend more than $200,000 on your card. As long as your account stays open and active, your rewards will never expire. An added benefit is that you’ll now have the option to convert your rewards into Venture miles or Spark miles, giving you even more ways to cash in.

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 the Capital One Spark Cash Plus card, you will be able to add employee cards a no additional cost.

Things to Consider

There is a $150 annual fee. The card also has no APR, as you are expected to pay your balance in full every month.

Verdict

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

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. The Capital One Platinum Secured Credit Card 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 Capital One Platinum Secured Credit Card 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, the Capital One Platinum Secured Credit Card 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.