Best Capital One Credit Cards

Why We Like It: The Capital One Venture Rewards Credit Card is the best Capital One credit card for travel rewards because it gives you a valuable combination of elite rewards and relatively low fees. Venture offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months, worth $750 in travel. Cardholders also earn 2 - 5 miles per $1 spent on purchases.

Miles can be used to pay for any recent travel purchase, which is extremely helpful if you don’t always fly with the same airline, stay at the same hotel chain, etc. 

What We Don’t Like: The Capital One Venture Rewards Credit Card charges an annual fee of $95. It also has a high APR.

Who Should Get It: Apply for the Capital One Venture Rewards Credit Card if you like to travel but want the freedom to book with any travel provider. You should also plan to pay the bill in full every month to avoid expensive interest charges, and you will need at least good credit for approval.

Why We Like It: Capital One Venture X offers 75,000 miles for spending $4,000 in the first 3 months. The card also has ongoing rewards of 2 - 10 miles per $1, and various travel-related perks. For example, Venture X gets you into 1,300+ airport lounges worldwide, and you can get hundreds of dollars in travel credits per year. Needless to say, this is not your average travel rewards card.
 
What We Don’t Like: The Capital One Venture X Rewards Credit Card has an annual fee of $395.
 
Who Should Get It: The Capital One Venture X Rewards Credit Card is the best Capital One credit card for big-spenders because it offers a ton of rewards value but requires you to spend a lot to maximize your earnings.

Why We Like It: The Capital One Quicksilver Cash Rewards Credit Card gives an introductory APR of 0% for 15 months on purchases and balance transfers.
 
You can also earn rewards at an above-average rate, with 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. Plus, you can grab a couple hundred extra bucks pretty easily, with Capital One Quicksilver’s initial bonus of $200 for spending $500 in the first 3 months.

What We Don’t Like: The regular APR that takes effect after the introductory promotion ends is quite high - 19.99% - 29.99% (V). There is also a balance transfer fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time. Plus, you have to book travel through Capital One to get the 5% bonus rewards rate.
 
Who Should Get It: You should apply for the Capital One Quicksilver Cash Rewards Credit Card if you want a good all-around credit card that provides cash back rewards at a competitive rate, has a low-interest promotion, and does not charge an annual fee.

Why We Like It: The Capital One SavorOne Cash Rewards Credit Card offers an initial bonus of $200 for spending $500 in the first 3 months. Cardholders also get 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024).
 
Plus, there’s an introductory APR of 0% for 15 months on purchases and balance transfers along with a $0 annual fee. As a result, this is one of the most well-rounded Capital One cards available, which makes it great if you just want one card in your wallet.
 
What We Don’t Like: The Capital One SavorOne Cash Rewards Credit Card has a regular APR of 19.99% - 29.99% (V) and a transfer fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time. With that in mind, you should pay the monthly bill in full to avoid interest, and you should crunch the numbers on a transfer to make sure you can save before pulling the trigger.
 
Who Should Get It: You should apply for the Capital One SavorOne Cash Rewards Credit Card if you have good credit and you wish to earn cash rewards without paying an annual fee. If you need to finance big-ticket purchases, this is a good option, too.

Why We Like It: The Capital One Savor Cash Rewards Credit Card can help you earn more cash back than any other Capital One credit card, provided you use it wisely. You can earn an initial bonus of $300 for spending $3,000 in the first 3 months. You’ll also get 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats).
 
What We Don’t Like: The Capital One Savor Cash Rewards Credit Card has a high APR and a $95 annual fee.
 
Who Should Get It: You should apply for the Capital One Savor Cash Rewards Credit Card if you have good credit and the card’s bonus rewards match up well with your spending habits.

Why We Like It: The Capital One Quicksilver Cash Rewards Credit Card gives an introductory APR of 0% for 15 months on purchases and balance transfers.
 
You can also earn rewards at an above-average rate, with 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. Plus, you can grab a couple hundred extra bucks pretty easily, with Capital One Quicksilver’s initial bonus of $200 for spending $500 in the first 3 months.

What We Don’t Like: The regular APR that takes effect after the introductory promotion ends is quite high - 19.99% - 29.99% (V). There is also a balance transfer fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time. Plus, you have to book travel through Capital One to get the 5% bonus rewards rate.
 
Who Should Get It: You should apply for the Capital One Quicksilver Cash Rewards Credit Card if you want a good all-around credit card that provides cash back rewards at a competitive rate, has a low-interest promotion, and does not charge an annual fee.

Why We Like It: The Capital One SavorOne Cash Rewards Credit Card offers an initial bonus of $200 for spending $500 in the first 3 months. Cardholders also get 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024).
 
Plus, there’s an introductory APR of 0% for 15 months on purchases and balance transfers along with a $0 annual fee. As a result, this is one of the most well-rounded Capital One cards available, which makes it great if you just want one card in your wallet.
 
What We Don’t Like: The Capital One SavorOne Cash Rewards Credit Card has a regular APR of 19.99% - 29.99% (V) and a transfer fee of 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time. With that in mind, you should pay the monthly bill in full to avoid interest, and you should crunch the numbers on a transfer to make sure you can save before pulling the trigger.
 
Who Should Get It: You should apply for the Capital One SavorOne Cash Rewards Credit Card if you have good credit and you wish to earn cash rewards without paying an annual fee. If you need to finance big-ticket purchases, this is a good option, too.

Why We Like It: The Capital One Quicksilver Secured Cash Rewards Credit Card is the best Capital One credit card for building credit because it is relatively easy to get, has a $0 annual fee and gives good rewards. You can earn 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.

What We Don’t Like: You have to place a $200+ security deposit. Plus, your spending limit equals the amount of the deposit.

Who Should Get It: You should apply for the Capital One Quicksilver Secured if you want to build or rebuild your credit inexpensively.

Why We Like It: The Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases except for travel booked through Capital One, which gets you 5% back. Both rewards rates are elite for a general-purpose credit card available to people with limited to fair credit.
 
What We Don’t Like: There is a $39 annual fee. Considering the card’s standard rewards rate, you’ll have to spend $2,600 per year for rewards to cover the cost of the annual fee, according to our calculations. You also have to pay the bill in full every month, or else the card’s high APR will erode your savings.
 
Who Should Get It: The Capital One QuicksilverOne Cash Rewards Credit Card is the best Capital One credit card for people with limited or fair credit who expect to spend at least $2,600 per year.

Why We Like It: The Capital One Quicksilver Secured Cash Rewards Credit Card is the best Capital One credit card for building credit because it is relatively easy to get, has a $0 annual fee and gives good rewards. You can earn 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.

What We Don’t Like: You have to place a $200+ security deposit. Plus, your spending limit equals the amount of the deposit.

Who Should Get It: You should apply for the Capital One Quicksilver Secured if you want to build or rebuild your credit inexpensively.

Why We Like It: The Capital One SavorOne Student Cash Rewards Credit Card has a $0 annual fee, gives 1 - 8% cash back, and accepts applicants with limited or no credit. There’s even an initial bonus of $50 for spending $100 in the first 3 months. Those are extremely good terms considering you don’t need any experience to get them.
 
What We Don’t Like: This card has a high APR, so you should plan to pay the bill in full monthly to avoid expensive interest charges.
 
Who Should Get It: Consider applying for the Capital One SavorOne Student Cash Rewards Credit Card if you’re a student who wants to earn rewards at an above-average rate.

Why We Like It: The Capital One Spark 2% Cash Plus is the best business credit card by Capital One. It offers an initial bonus of $1,200 for spending $30,000 in the first 3 months. You can also get 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 2% cash back on all other purchases.
 
What We Don’t Like: The Capital One Spark 2% Cash Plus is a charge card, which means you need to pay your balance in full every month. Plus, the card has a $150 annual fee, and you need excellent credit personally to qualify.
 
Who Should Get It: Consider applying for the Capital One Spark 2% Cash Plus if you have excellent credit and you want a business credit card for rewards, not financing.