Best Capital One credit cards of May 2024

Written by
Steve Dashiell
Edited by
Courtney Mihocik
Reviewed by
Jason Steele
Edited by
Courtney Mihocik
Reviewed by
Jason Steele
Updated April 17, 2024

The listings that appear on the website are from credit card companies from which Bankrate receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Here's an explanation for

Capital One offers an impressive lineup of credit cards for various financial needs, including cash back, travel, business and credit-building. If you do most of your banking online, then you’ll enjoy the digital account management that Capital One credit cards offer.

Here’s a look at the best cards available from our credit card partner Capital One.

Filter by:

Capital One Quicksilver Cash Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["There\u2019s no need to track spending categories or enrollment dates with this card.","This card has a slightly competitive intro APR on purchases and balance transfers."],"cons":["This card is fairly light on extra cardholder perks.","You could earn higher cash back rates in certain spending categories with other cards. "],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for simple cash back
Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card
3.8
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

Capital One SavorOne card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["The 3 percent entertainment category covers movie theaters, zoos, amusement parks and more.","This card does not charge an annual fee, so you don\u2019t have to earn enough cash back to offset the cost of carrying the card."],"cons":["You must book through Capital One\u2019s travel portal to reap the benefit of boosted rates on hotel and rental car purchases. ","The complimentary Uber One membership only lasts till Nov. 14, 2024."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"d87d39e2-fea5-40fc-aa9e-6375c17ff8de","name":"Grocery","type":"tag","image":null,"value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for dining and entertainment with no annual fee
Image of Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card
5.0
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1% - 8%

Rewards rate

Info

Annual fee

Regular APR

Capital One Venture Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["This card charges no foreign transaction fees.","There are no limits on the amount of miles you can earn. "],"cons":["This card has a $95 annual fee.","This card does not have an intro APR offer on purchases or balance transfers. "],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"23a4c35d-7528-4051-b373-fd0d352ed37e","name":"Dining","type":"tag","image":"a5b97e80-e7dc-11ea-b568-e36303e248dc.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"95e029c6-4c8b-4978-bdd5-60960fb10868","name":"Miles","type":"tag","image":null,"value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for travel rewards
Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card
4.9
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

Capital One VentureOne Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["This card doesn\u2019t charge an annual fee, a cost effective plus for a travel card. ","There\u2019s an intro APR offer on purchases and balance transfers."],"cons":["Redeeming for non-travel options, such as Amazon.com or PayPal purchases, will reduce the value of your miles.","While it does have a couple of travel-related benefits, this card lacks attractive perks like lounge access or lost baggage insurance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"41fdfa2c-aed3-4c7f-90d7-c4da2d319a6a","name":"0% Introductory APR","type":"tag","image":"c12c6fbd562a494517625a65bbb1e71e.png","value":null},{"id":"07815698-c8da-4f40-8736-81d0c76fa353","name":"Airline","type":"tag","image":"c4f0c810-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"c87194e5-dc35-490b-843f-cf5e05e83ac6","name":"Hotel","type":"tag","image":"bd6727b0-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"45b84c8f-0754-4102-82c6-458d5707196d","name":"Low Interest","type":"tag","image":"85a8ad80-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"95e029c6-4c8b-4978-bdd5-60960fb10868","name":"Miles","type":"tag","image":null,"value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for no annual fee travel rewards
Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card
4.1
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$340

Offer valuation

Info

1.25 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

Capital One Venture X Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["The card charges no foreign transaction fees and gives you up to a $100 credit for Global Entry or TSA PreCheck\u00ae.","The card offers multiple ways to offset the annual fee, such as a $300 annual travel credit and anniversary bonus."],"cons":["While the annual fee is lower than competing luxury travel cards, it might still be pricey for some.","Capital One\u2019s list of transfer partners excludes some notable domestic U.S. carriers."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_travel","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"71fc3028-f969-4277-bfe4-1ceb9856c34c","name":"Capital One","type":"tag","image":null,"value":null},{"id":"b17b1bcc-ec4b-4a1c-a85f-2dbd94992429","name":"Points","type":"tag","image":"9a953c00-bd22-11e9-8c33-b96e508849bb.svg","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
BEST FOR PREMIUM TRAVEL BENEFITS
Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card
5.0
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 10 Miles

Rewards rate

Info

Annual fee

Regular APR

Capital One Spark Miles for Business review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["It has a $0 intro annual fee for the first year (then $95).","The sign-up bonus on this card is quite valuable \u2014 worth about $500 when booking travel at 1:1 rate through Capital One. "],"cons":["The value for redemption options outside of travel is quite low. ","It has no intro APR offers on purchases or balance transfers. "],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":42,"name":"Capital One miles","active_rate":{"id":43,"label":"2023","active":1,"unit_value":"0.01700"}},"tags":[{"id":"ed4ecc50-5090-47c3-b122-c5175eac146c","name":"Business","type":"tag","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b16b2629-0cdf-4d2e-80f8-96f7ec369a19","name":"Good Credit","type":"tag","image":"88dfa120-bd19-11e9-a841-3728becc33ed.svg","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null},{"id":"c626562a-8a8e-40ba-ad4a-4100ab24002d","name":"Travel","type":"tag","image":"b3d5f780-bd23-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for business travel rewards
Image of Capital One Spark Miles for Business

Capital One Spark Miles for Business
4.4
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$850

Offer valuation

Info

2X - 5x

Rewards Rate

Info

Annual fee

Regular APR

Capital One Spark Cash Plus review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["You can claim your rewards at any time and in any amount. ","Your rewards will never expire as long as your account remains active. "],"cons":["You must pay your balance in full every month with this charge card.","There is a $150 annual fee to hold this card, though you can offset this cost with certain statement credits."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_business","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[{"id":"ed4ecc50-5090-47c3-b122-c5175eac146c","name":"Business","type":"tag","image":"ebd17ab0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"a368943f-a98c-4725-abfc-0d21b861fcd2","name":"Excellent Credit","type":"tag","image":"a1203ba0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for small businesses
Image of Capital One Spark Cash Plus

Capital One Spark Cash Plus
4.7
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$1200

Offer valuation

Info

2% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Capital One Platinum Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["This card does not charge an annual fee.","You don\u2019t have to put down a security deposit with this card."],"cons":["The regular APR for this card is steep at 29.99 percent variable.","There are no cash back rewards, miles or points you can earn with this card."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCreditWithNoRewards","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"6c59e82e-fb1b-4aca-8d5b-eef479e37f90","name":"Fair Credit","type":"tag","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : 'See your approval odds'" >
Info
Best for people with limited credit history
Image of Capital One Platinum Credit Card

Capital One Platinum Credit Card
4.2
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Fair to Good (580 – 740)
Info
Recommended Credit
Info

N/A

Intro offer

Info

Annual fee

Regular APR

Capital One Platinum Secured Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["Cardholders can focus on building a better credit history without the distraction of earning cash back, points or miles.","You could put down a security deposit starting at $49 and still get at least a $200 starting credit limit (other minimum deposit could be $99 or $200 depending on credit score)."],"cons":["The regular APR for this card is high, so it's not ideal if you tend to carry a balance.","The card carries some upfront costs since it requires a security deposit."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCreditWithNoRewards","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"b522eccc-8c34-4c78-9b8e-1948bb8c8617","name":"No Annual Fee","type":"tag","image":"4226595fe40f1186714c2263039b7df0.png","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"08578917-f8b0-4ca3-96fa-690eaf290a80","name":"Secured credit card","type":"tag","image":"93500230-bd23-11e9-a841-3728becc33ed.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for consumers with bad credit
Image of Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card
4.1
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
No Credit History
Info
Recommended Credit

N/A

Intro offer

Info

Annual fee

Regular APR

Capital One Quicksilver Student Cash Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["There are no minimum requirements for redeeming reward earnings.","This card does not charge an annual fee or foreign transaction fees."],"cons":["There is no intro APR offer on balance transfers or purchases. ","This card charges a late fee. While standard for most cards, some student cards do not charge one."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCredit","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best flat-rate cash back for students
Image of Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card
4.6
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Fair to Good (580 – 740)
Info
Recommended Credit

Intro offer

Info

1.5% - 10%

Rewards Rate

Info

Annual fee

Regular APR

Capital One SavorOne Student Cash Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["This card has a practical touch, earning 3 percent cash back on grocery store purchases (excluding superstores like Walmart\u00ae and Target\u00ae).","It\u2019s a cost-effective card, since it charges no annual fee or foreign transaction fees."],"cons":["This card\u2019s welcome offer isn\u2019t the most valuable when compared to offers on other student credit cards. ","The regular APR can be high, even for a student card."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_newToCredit","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":{"id":52,"name":"Cash Intro Offers","active_rate":{"id":53,"label":"1:1_Ratio","active":1,"unit_value":"1.00000"}},"tags":[]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best overall for students
Image of Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card
4.6
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Fair to Good (580 – 740)
Info
Recommended Credit

Intro offer

Info

1% - 8%

Rewards Rate

Info

Annual fee

Regular APR

Capital One QuicksilverOne Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["Capital One recommends this card for fair to good credit ranges (580 to 740 on the FICO scale), so you can earn rewards while building your credit.","There is potential to be considered for a credit limit increase after demonstrating responsible use with six months of on-time payments."],"cons":["The annual fee that comes with this card can limit its long-term value.","This card has no intro APR offers on purchases or balance transfers, so you won\u2019t catch a break on interest if you carry a balance."],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[{"id":"6821b5a8-c8ae-4ea8-939a-700d52107ab1","name":"Cash Back","type":"tag","image":"0fcfc350-bd23-11e9-a841-3728becc33ed.svg","value":null},{"id":"dff204cc-afde-4766-b5c6-3b9f661693e2","name":"EMV","type":"tag","image":"ff2a1eb82a6a9498d1f0f73bc974e2a3.png","value":null},{"id":"6c59e82e-fb1b-4aca-8d5b-eef479e37f90","name":"Fair Credit","type":"tag","image":"39cbbfb0-bd23-11e9-8c33-b96e508849bb.svg","value":null},{"id":"01026a1b-d83a-4d02-99c7-55dd9fe83f5d","name":"Gas","type":"tag","image":"884742a0-bd22-11e9-a841-3728becc33ed.svg","value":null},{"id":"167696ba-0a88-4d07-890f-426a2a59ee88","name":"No Foreign Transaction Fees","type":"tag","image":"eaaf459ad1ed2e1825d59f0c908ffa44.png","value":null},{"id":"164993e7-9b76-4d68-bc3c-061c23dfb47d","name":"Rewards","type":"tag","image":"b47fb820-bd3b-11e9-8c33-b96e508849bb.svg","value":null}]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
Best for fair credit
Image of Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card
4.0
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
Fair to Good (580 – 740)
Info
Recommended Credit

N/A

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

Capital One Quicksilver Secured Cash Rewards Credit Card review<\/a>.<\/div>","pros_and_cons_header":null,"pros":["This card skips foreign transaction fees, making it a good option for travel. You might be able to earn back your deposit and upgrade to an unsecured Quicksilver card with responsible card use. ","You can enjoy added protection like extended warranty on eligible purchases."],"cons":["The variable APR is high, so you\u2019ll want to avoid carrying a balance on this card. ","For people who want to rebuild credit, a rewards program could prove distracting. "],"exclusive_offer_text":null,"creditCard":null,"isNewCard":0,"limitedTimeOfferText":null,"limitedTimeOfferTooltip":null,"callouts":"marketplace_cashBack","review_category_id":null,"review_category":null,"whyLikeThis":null},"program":null,"tags":[]})" x-show="selectedCategory === 'capital-one' || selectedCategory === 'all'" :class="aoProduct.isAoOffer ? 'CCProductTile--hasFlagPrequal' : ''" :data-format-type="aoProduct.odd ? aoProduct.odd : ''" >
BEST SECURED CARD FOR FLAT-RATE REWARDS
Image of Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card
4.0
Info
Apply now Lock
on Capital One's secure site
See Rates & Fees
No Credit History
Info
Recommended Credit

N/A

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

Compare our top picks for Capital One credit cards

Card Name Best for Bankrate Review Score

Simple cash back

3.8 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees
Dining and entertainment with no annual fee

5.0 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Travel rewards

4.9 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

No annual fee travel rewards

4.1 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Premium travel rewards

5.0 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Travel business card

4.4 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Small businesses

4.7 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Limited credit history

4.2 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Consumers with bad credit

4.1 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Best flat-rate cash back for students

4.6 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Best overall for students

4.6 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Fair credit

4.0 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees

Secured card for flat-rate rewards

4.0 / 5
Info
(Read card review)
Apply now Lock
on Capital One's secure site
See Rates & Fees
On This Page

A closer look at our best Capital One credit cards

Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Best for simple cash back

Caret Down

It’s a simple cash back card with no annual fee that earns at least an unlimited 1.5 percent back on all purchases. (See Rates & Fees)

Cash back beginners. If you’re considering getting a rewards card, this one is a great entry point to test the waters of cash back credit cards.

The Citi Double Cash® Card card earns a little bit more cash back (1 percent when you use the card and 1 percent as you pay your bill) while still skipping the annual fee. If you’re a disciplined credit user who always pays their bill, this card could prove more rewarding. 

Read our Capital One Quicksilver Cash Rewards Credit Card review or jump back to offer details.

Image of Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Best for dining and entertainment with no annual fee

Caret Down

It has stellar rewards rates on dining and grocery stores (excluding superstores like Walmart® and Target®), along with select streaming services, making it an easy way to earn on food and your favorite TV shows.

Homebodies, foodies and social butterflies. Its elevated cash back on its food-related categories make it a lucrative card, regardless of if you prefer a night out or in.

If you’re a foodie who also loves traveling, then the American Express® Gold Card offers rewards on categories that you probably spend the most in. Just watch out for its annual fee.

Read our Capital One SavorOne Cash Rewards Credit Card review or jump back to offer details.

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Best for travel rewards

Caret Down

Capital One’s transfer partners and this comparatively low annual fee make it a solid first choice for earning miles on everyday purchases. 

Casual travelers — its 2X miles on everyday purchases in addition to its 5X miles on hotels and cars booked through Capital One Travel is just enough to fund the occasional trip.

The Chase Sapphire Preferred® Card offers similar rewards rates, the same annual fee and an attractive sign-up bonus. However, the higher points value when booking through the issuer’s travel portal may help the Sapphire Preferred win out.

Read our Capital One Venture Rewards Credit Card review or jump back to offer details.

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Best for no annual fee travel rewards

Caret Down

This card comes with an attainable sign-up bonus plus a simple, low-cost way to earn miles on everyday purchases for no annual fee.(See Rates & Fees)

The budget traveler who wants a no-annual-fee travel rewards card to start earning miles.

If you don’t mind the cost of an annual fee, you will definitely find more value in any of Capital One’s other travel rewards cards that earn higher rewards rates.

Read our Capital One VentureOne Rewards Credit Card review jump back to offer details.

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Best for premium travel benefits

Caret Down

Compared to other luxury travel cards, its lower annual fee makes it an affordable way to earn premium benefits and rewards on par with industry leaders.

Luxury travelers who want to ball out on a budget.

If you really don’t want to cough up hundreds of dollars for the annual fee, then consider cards with low or no annual fees like Capital One’s other travel rewards credit cards.

Read our Capital One Venture X Rewards Credit Card review or jump back to offer details.

Image of Capital One Spark Miles for Business

Capital One Spark Miles for Business

Best for business travel rewards

Caret Down

The unlimited 2X miles you earn on all purchases can help businesses reap rewards on their spending and employee spending. 

Business owners and their employees who travel occasionally for work.

For no annual fee, The Blue Business® Plus Credit Card from American Express offers a similar rewards rate, but has a $50,000 cap on your highest reward tier. If your business spends less, then it’s a worthy and cheaper alternative.

Read our Capital One Spark Miles for Business review or jump back to offer details.

Image of Capital One Spark Cash Plus

Capital One Spark Cash Plus

Best for small businesses

Caret Down

It’s a low-hassle business credit card. Earning a flat 2 percent back on all purchases makes for easy and consistent rewards on business expenses. 

Small-business owners who want to earn high cash back rewards and take advantage of competitive benefits without tracking bonus or rotating categories.

The Spark Cash Plus (See Rates & Fees) is a solid choice, but there are business cards available that tout no annual fees with similar rewards rates like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card.

Read our Capital One Spark Cash Plus Review or jump back to offer details.

Image of Capital One Platinum Credit Card

Capital One Platinum Credit Card

Best for limited credit history

Caret Down

It has a relatively low recommended FICO credit score of 580 to 740, and you'll be automatically considered for a credit line increase after six months.

The serious credit-builder who wants to improve their score with responsible use and healthy financial habits.

If you want to earn some rewards while you build credit, the Discover it® Secured Credit Card offers modest cash back and a path to upgrade to an unsecured card after demonstrating responsible credit use.

Read our Capital One Platinum Credit Card review or jump back to offer details.

Image of Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

Best for bad credit

Caret Down

It has a pretty low security deposit, even among secured credit cards, starting as low as $49, though you may have to put down $99 or $200 as well, depending on your credit score. This factor makes it easier for people with limited funds to start building credit.

Anyone who wants to start their credit-building journey and needs a low barrier of entry to do so.

If you can afford at least a $200 security deposit, the Citi® Secured Mastercard®* might be a better choice because of its slightly lower ongoing APR. On the other hand, the First Progress Platinum Prestige Mastercard® Secured Credit Card has an even lower APR with the same security deposit requirements.

Read our Capital One Platinum Secured Credit Card review or jump back to offer details.

Image of Capital One Quicksilver Student Cash Rewards Credit Card

Capital One Quicksilver Student Cash Rewards Credit Card

Best flat-rate cash back for students

Caret Down

Its 1.5 percent flat rate for all purchases and elevated cash back on Capital One Travel is a rarity for student cards. You can also earn $50 when you spend $100 in the first three months.

Students who want to earn substantial cash back rewards right away without too much hassle.

If you’re a student that can handle rotating and bonus categories, the Discover it® Student Cash Back and SavorOne Student Cash Rewards cards will serve you well.

Read our Capital One Quicksilver Student Cash Rewards Credit Card review or jump back to offer details.

Image of Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Best overall student card

Caret Down

This student card offers exciting rewards rates on popular student spending categories — dining, streaming, grocery stores (excluding Walmart and Target) and entertainment. 

Independent students with the income to spend meaningfully in the boosted categories and take full advantage of the cash back rate.

Targeted spending can be difficult in the schedule of a busy student. A card like the Chase Freedom® Student credit card*, which rewards all purchases with 1 percent cash back and $20 Good Standing award every account anniversary for five years, is a solid alternative.

Read our Capital One SavorOne Student Cash Rewards Credit Card Review or jump back to offer details.

Image of Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Best for fair credit

Caret Down

Its low entry barrier provides people with fair credit an opportunity to earn rewards without shelling out a super-high annual fee or turning to a secured credit card. (See Rates & Fees)

People with fair credit who want to improve their score while earning modest rewards.

While the QuicksilverOne is worth it if you have fair credit, you might be able to qualify for rewards with no annual fee if your score is on the cusp of good. We recommend its upgrade to the Quicksilver card (See Rates & Fees) which has the same rewards rate but with no annual fee.

Read our Capital One QuicksilverOne Cash Rewards Credit Card review or jump back to offer details.

Image of Capital One Quicksilver Secured Cash Rewards Credit Card

Capital One Quicksilver Secured Cash Rewards Credit Card

Best secured card for flat-rate rewards

Caret Down

The fact that you can build credit and earn some rewards for no annual fee.(See Rates & Fees)

People with bad, thin or no credit who can’t qualify for non-secured rewards credit cards.

The flat 1.5 percent cash rewards on a secured card is hard to beat, but the Discover it® Secured Credit Card may prove a worthy competitor. Its 2 percent back at gas stations and restaurants (on up to $1,000 in combined purchases per quarter, then 1 percent) are key earning categories that edge out the Quicksilver Secured.

Read our Capital One Quicksilver Secured Cash Rewards Credit Card review or jump back to offer details.

*All information about the Citi® Secured Mastercard® and Chase Freedom® Student credit card has been collected independently by Bankrate.com and has not been reviewed or approved by the issuer.

What is a Capital One credit card?

Capital One is a well-known financial institution that has made a significant impact in the realm of credit cards. 

With a diverse array of offerings tailored to various needs, credit levels and lifestyles, Capital One’s credit cards emphasize flexibility, accessibility and customer-centric features. Through strategic partnerships, robust rewards programs and digital tools, Capital One has solidified its reputation as a leading provider of credit card solutions that cater to a broad spectrum of consumers.

Types of Capital One credit cards

Capital One offers a variety of credit cards spanning multiple categories. Here are just a few types of credit cards you can find with Capital One.

Capital One credit card pros and cons

Pros

  • Checkmark

    Credit card variety: Capital One has a long lineup of cards designed for a variety of spending habits.

  • Checkmark

    Wide credit score range: Whether you have bad credit or excellent credit, Capital One has a card designed to help you achieve your financial goals.

  • Checkmark

    Numerous travel benefits: Capital One’s travel cards don’t charge foreign transaction fees and most come with solid perks useful for travelers.

Cons

  • Annual fees: Many Capital One cards have an annual fee. However, some business cards waive the fee in the first year or can easily be offset.

  • Higher-than-average APR: Many Capital One cards have a relatively high ongoing APR, so cardholders should avoid carrying balances.

  • Few luxury options: Capital One only offers one high-end credit card, meaning competitors may offer more in terms of rewards and overall value.

Lightbulb

Bankrate Insight

Capital One ranked as the fourth-best credit card issuer for customer satisfaction in the 2023 J.D. Power U.S. Credit Card Satisfaction study.

Capital One rewards

Capital One rewards programs help cardholders earn cash back, points or miles on every purchase and in several key spending categories, with many cards offering rewards on dining, travel, groceries and more. Capital One rewards also carry solid value and flexibility, with a wide range of redemption options available. 

One of the key advantages of Capital One rewards is how easy they are to redeem. Cardholders have several redemption options, including cash back as a statement credit or check, purchases on Amazon.com and travel (either by booking through Capital One's travel portal or by transferring points to partner airline and hotel loyalty programs). This flexibility allows cardholders to make the most of their rewards based on their preferences and goals.

Capital One cards tend to offer simple, transparent rewards programs that make it easy for cardholders to earn rewards without worrying about rotating categories or spending caps. 

Overall, Capital One rewards programs offer cardholders the opportunity to earn valuable rewards on their everyday spending and easy redemption, making the issuer an appealing choice for rewards-savvy cardholders.

Expert advice for Capital One credit cards

If you’re interested in adding a Capital One card to your card lineup, here are some tips to help you find and use the right card for your needs.

If you’re loyal to Capital One or just ready to branch out with one of Capital One’s best credit cards, here are a few questions to ask yourself when choosing a card.

You can also see if you are pre-approved for certain Capital One cards without harming your credit score. While not all cards offer pre-approval, you can check for pre-approval for many popular Capital One cards. You can also use Bankrate's CardMatch™ tool to see if you match with a Capital One card. If you’re unsure if a Capital One credit card is right for you, check out our Credit Card Spender Type Tool. You can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

Our data: Cash back vs. travel Capital One credit cards

Capital One has plenty of great credit cards for people who want to earn cash back or travel rewards. Its SavorOne and Venture X cards even got top picks in the 2024 Bankrate Awards. So if you’re looking at the best Capital One credit cards, you’re not alone. Plenty of Bankrate readers in 2023 clicked on Capital One credit card offers on our site to learn more about the cards.

But which one is more popular: Capital One cash back credit cards or Capital One travel rewards credit cards?

According to our proprietary data, Bankrate readers are split between Capital One’s cash back and travel credit cards. In 2023, the same percentage of readers clicked on both types of Capital One card offers — cash back and travel rewards. This data suggests that you can’t go wrong with either type of Capital One card, and which one is better depends on your preferences and needs.

What one Bankrate writer loves about his Capital One credit cards

Bankrate writer Ryan Flanigan has several Capital One credit cards to his name, including the Capital One Venture X Rewards card. He notes that while Capital One credit cards aren’t necessarily the strongest on the market, their useful perks and ability to pair together well and help them stay competitive.  

“Capital One has really stepped its game up recently. The Venture X was my first Capital One card — I was attracted to the high bonus and its great features, like gifting lounge access to four authorized users, which instantly made me the most popular person in my family. I later added the Business Venture X and Spark Business Cash cards when they also had elevated offers.

I also like being able to cover recent travel purchases with rewards, which comes in handy for paying for travel experiences that I otherwise can't save money on. Capital One’s cash back cards also pair well with this feature, because I can either cash out everything from my Venture cards or convert my miles into cash.

These cards might not be the best on their own, but when put together, they make a formidable team that can easily rival what you can do with other issuers.”

— Ryan Flanigan, Writer, Credit Cards

Tips for maximizing a Capital One card

Capital One boasts a versatile suite of cards, but no matter the type of card you can maximize your card in several ways and avoid common pitfalls.

  • Calendar Money

    Don't forget about the sign-up bonus

    If your card offers a sign-up bonus, be sure you can meet its requirements. As long as you don't overspend, a sign-up bonus can be well worth it, adding savings to your wallet with little effort. 

  • Dollar
    Optimize your card's bonus categories

    Capital One cards like the SavorOne have tiered bonus categories, so make sure to optimize its rewards or cash back structure. A Capital One card that offers 3 percent cash back on dining should be used anytime you go out to eat, for instance. If you have multiple Capital One rewards cards, use the card that will get the most rewards or cash back from a particular purchase.

  • Book

    Explore your redemption options

    Capital One rewards card will usually have different ways you can redeem your points, miles or cash back. A cash back card might let you redeem for a gift card or you could apply your rewards directly to your account as a statement credit. 

  • Travel

    Consider point transfers

    For travel cards, it's typically best to redeem miles for travel spending through the Capital One travel portal, but sometimes transferring your miles to an airline or hotel can get you a better deal. According to Bankrate's recent valuations, Capital One miles are worth about 1.7 cents per mile, so travel redemptions are generally more lucrative than non-travel options.

Are Capital One cards worth it?

Capital One cards are certainly worth it. If you value cash back or high-earning travel cards, then Capital One has a card for you. Its travel credit cards rival those from American Express and Chase while costing less in annual fees. And the SavorOne card offers lucrative cash back at grocery stores (excluding Walmart and Target), restaurants and on takeout. If your spending fits into any of Capital One’s bonus categories in cash back or on travel, then it's certainly worth your time.

What people say about Capital One cards

Users on popular subreddits such as r/CreditCards and r/personalfinance, generally recommend Capital One for its wide range of options and impressive rewards rates, but some criticize the issuer when it comes to credit limit increases and the allocation of “bucketed” credit cards to certain consumers.

The Capital One Venture X and the Capital One SavorOne are popular choices among Reddit users. The Venture X card in particular is often recommended for its generous rewards program and flexible redemption options, with users noting the ability to earn miles on every purchase as especially appealing for frequent travelers. The SavorOne card is also touted for its elevated cash back rates and low cost. 

“I recently upgraded to the Venture X and it’s worth it for the lounge access alone. I live near one of their three active lounge locations and it’s easily in the top 5 lounges I’ve been in post COVID. Add in the travel credit and 2X miles on everything plus all the other perks and I wish I’d upgraded sooner.”

— Reddit User

“I have had [the Capital One SavorOne card] for almost a year, and I can tell it’s one of my favorite cards ever. For a no [annual] fee card, the multipliers and Uber benefits are really good, and having no foreign transaction fee makes it my groceries and dining card when I travel abroad, and since it’s Mastercard it’s basically accepted anywhere.”  See Rates & Fees

— Reddit User

Redditors also frequently mention Capital One’s user-friendly mobile app, which makes it easy to manage your accounts, track spending, and redeem rewards. The ability to lock or freeze a card if it is lost or stolen is also a feature that users find valuable for security purposes.

However, some Reddit users have expressed frustration with Capital One's credit limit increase process. They report that the credit limits granted by Capital One can be relatively low and that it can be challenging to obtain a substantial limit increase over time, even for individuals with an established credit history. This limitation can keep cardholders from maximizing their purchasing power or make it harder to keep their credit utilization in check.

Another common criticism revolves around Capital One's practice of bucketing credit cards for certain consumers. Bucketing refers to the practice of placing consumers into different credit profiles based on their creditworthiness, which may limit their access to certain card benefits, rewards or promotional offers. Some Redditors have voiced their dissatisfaction with not being able to upgrade their card or access better perks despite having a good credit history.

The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

How we assess the best Capital One credit cards

Document
250+
cards rated
Congrats
50+
rewards programs valued
Search
5000
data points analyzed
Credit Card Reviews
40+
perks evaluated

When evaluating the best credit cards from Capital One, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest. 

We analyzed over 250 of the most popular credit cards and selected standouts. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup. 

Here are some of the key factors that we considered:  

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

*Automatically extends the original manufacturer's warranty on eligible purchases made with this card. 

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Frequently asked questions about Capital One credit cards

Steve Dashiell Arrow Right Editor, Credit cards
Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.
Courtney Mihocik Arrow Right Senior Editor, Credit Cards
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at…

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.