Capital One is a widely known credit card issuer. It’s no stranger to the highlight — you’ve in all probability seen its celebrity-driven TV commercials or on-line advertisements in your travels.
Thanks partially to its aggressive promoting marketing campaign, tens of millions of U.S. shoppers use Capital One merchandise. Right here, we’ll spotlight one of the 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 scale back the price of home and worldwide journey with out forcing you to stay loyal to a specific vendor or alliance
- Small-business credit cards for companies massive and small
- Miscellaneous bank cards designed for college kids and other people with below-average credit score
Finest Capital One Credit score Playing cards
These are one of the best Capital One bank cards in the marketplace proper now. Every of those bank card gives 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, due to a brand new 5x miles tier for motels and rental vehicles booked by Capital One Journey.
Enterprise’s rewards program makes it an incredible on a regular basis spending card for individuals who wish to get away on occasion. 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 just’re getting some a lot deserved R&R.
For those who journey continuously sufficient to offset the $95 annual payment and aren’t significantly 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 — value $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 international transaction payment
- Use your Enterprise card to pay your Global Entry software payment and get an announcement 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-Price 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 fee 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.
For those who’re in search of a simple cash-back bank card with no annual payment or international transaction payment and a pleasant set of value-added advantages, this might 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 collected money again for assertion credit, paper checks, and present playing cards in any quantity
- Schedule recurring, automated redemptions at sure cash-back thresholds
- No annual payment or international transaction payment
- Steadiness Switch Payment applies to balances transferred at a promotional fee
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 fee is decrease and the early spend bonus is smaller, as an example. However there’s a lot 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 in search of a no-strings-attached return on spending, VentureOne is difficult to beat.
Extra options:
- Earn 20,000 miles after you spend $500 on the cardboard inside 3 months from account opening (value $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 international 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 one of the best cash-back bank card for individuals who get pleasure from meal, interval. Whether or not you’re eating out or cooking in, you may rely 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 inside the first 3 months from account opening
- Earn limitless 1% money again on all different eligible purchases
- Redeem in any quantity for an announcement credit score or paper examine
- No annual payment or international 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 an incredible fee of return for normal enterprise spending.
For those who spend hundreds of {dollars} monthly to maintain a thriving enterprise working, this beneficiant, limitless fee 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 international 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 number 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 possibility for enterprise house owners who journey continuously and aren’t particularly loyal to any explicit hospitality household or airline alliance. Which makes it top-of-the-line 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 — value $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 few dozen collaborating Capital One journey companions at favorable conversion charges
- The $95 annual payment is waived within the first 12 months
- No international transaction payment
- No payment for extra worker playing cards
- Get an announcement credit score as much as $100 in opposition to a qualifying Global Entry or TSA PreCheck software 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 so much like its better-known sibling, the Quicksilver Money Rewards card. However it’s designed for individuals with common credit score — people who nearly actually wouldn’t qualify for the flagship Quicksilver card, or many different Capital One bank cards for that matter.
For those who’re within the means of building or rebuilding your credit and need 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 may 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 international 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 so much just like the “grownup” SavorOne card. The most important distinction is the truth that it’s marketed completely to college students enrolled in qualifying greater training 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 while 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 an announcement credit score or paper examine in any quantity
- No annual payment or international transaction payment
- Turn out to be eligible for a credit score line improve 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 applicable 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 might be your ticket to raised 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
- Enhance your credit score restrict by depositing further funds into your safe account
- No annual payment or international transaction payment
- Make your first 5 month-to-month funds on time and apply for a better credit score restrict with no further 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
A lot of the playing cards on this checklist earn rewards — both money again or journey miles. Capital One’s rewards packages are usually easy, each on the incomes and redeeming sides, which is good for people who don’t like to leap by a lot of hoops to get what’s theirs.
After all, all else being equal, we choose Capital One playing cards that supply spectacular returns on spending and versatile redemption choices.
Annual Payment
By and huge, Capital One bank cards have low charges. Those who do cost annual charges are inclined to maintain them cheap — normally underneath $100.
That’s a far cry from high-end competitor merchandise comparable to 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 provide good worth.
Different Card Charges
Capital One doesn’t cost international 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.
Basic Advantages
Most Capital One playing cards have prolonged warranties for bought gadgets with present producer warranties, complimentary rental automotive 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 applicable.
Early Spend Bonus
Many Capital One bank cards provide 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 superb print is fairly obscure on this level. It merely says, “[bonuses] might not be out there for present or earlier accountholders.”
For those who’re unsure about whether or not you qualify for a specific 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 priceless for cardholders planning massive purchases or coping with present 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 among 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 in search of 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 finest 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? Strive 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 one of the best likelihood of qualifying for the cardboard you need with an excellent or wonderful credit score rating — 740 or above, ideally. However you may nonetheless qualify for entry-level bank cards just like the QuicksilverOne card in the event you don’t have nice credit score — say, your rating is round 660.
You’ll have hassle qualifying for any Capital One bank card with a credit score rating beneath 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 may have. Nevertheless, making use of for too many bank cards in a brief time frame can ding your credit score rating and make it more durable so that you can qualify.
Capital One might impose casual limits on the variety of playing cards you may have on a case-by-case foundation too. In case your software for one more Capital One card is declined with none clear clarification, this might be why.
Do Capital One Playing cards Cost International Transaction Charges?
Capital One bank cards don’t cost international 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 might change relying on while you make them.
How you can Select the Finest Capital One Credit score Card
As bank card issuers go, Capital One is fairly easy. It doesn’t have the biggest number of cash-back or journey bank cards, nor specialty merchandise like co-branded airline or hotel rewards credit cards backed by standard journey retailers like Hilton or United Airways.
And the playing cards Capital One does provide are sincere and simple to know. Even lower-tier merchandise appear to be designed with the person in thoughts quite than Capital One’s backside line.
Nonetheless, it’s not all the time apparent which card works finest on your wants. In order you contemplate your Capital One bank card choices, ask your self the next questions:
- Do I need to earn rewards on eligible spending?
- In that case, which kind 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 have to switch an present 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 kinds of purchases over others, or will a normal rewards card do?
Your solutions right here may not lead you to a single card that’s clearly superior to all of the others. However it’s prone to slender down your checklist fairly a bit.
