When you buy something using links found on our site, we may earn a small affiliate commission. This content is reviewed & supervised by The Los Angeles Times.

Best Capital One Credit Cards 2024

  • Some of the best Capital One credit cards are the Capital One Venture Rewards Credit Card, Capital One SavorOne Cash Rewards Credit Card, and the Capital One Quicksilver Cash Rewards Credit Card, among others.
  • Choosing a credit card can be difficult. CardMatch can help match you with the perfect card to meet your needs; all you need to do is answer a few questions. Using CardMatch will not impact your credit score. Learn more about how CardMatch works.
  • Capital One offers a variety of credit cards for consumers and small businesses, including travel rewards, cash back, cards for credit building, and co-branded cards.
  • Redeeming rewards is flexible and can be used for travel, statement credits, gift cards, or merchandise.
  • Benefits of choosing Capital One include no foreign transaction fees, flexible redemption options, Capital One’s mobile app, Eno, CreditWise, the ability to get pre-qualified online, and options for all credit profiles.

Our top Capital One credit card picks

Advertiser Disclosure

Best for Travel ─ Simple Rewards

Capital One Venture Rewards Credit Card

LEARN MORE
Up to 5X Reward Rate

Earn 5X miles per dollar on hotel stays or rental cars booked through Capital One’s portal and 2X miles on all other purchases.

Show More Show Less
Annual Fee
$95
Welcome Offer
75,000 miles
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Some travel rewards cards can have complicated categories, making it difficult to take full advantage of their benefits. The Capital One Venture Rewards Credit Card keeps things simple by offering flat-rate rewards.
Show More Show Less
Card Details

More Card Info

  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
Pros
  • Travel insurance protections incuded
  • Earn flexible rewards for travel
  • Reasonable $95 annual fee
Cons
  • Requires good or excellent credit
  • No everyday spending bonus categories
  • High APR
Bottom Line

The massive sign-up offer and generous, flexible rewards make this card a great option for casual travelers.

Best for Travel ─ Premium Rewards

Capital One Venture X Rewards Credit Card

LEARN MORE
Up to 10X Reward Rate

Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare purchased through the portal, and 2X miles per dollar spent on all other purchases.

Show More Show Less
Annual Fee
$395
Welcome Offer
75,000 miles
Regular APR
19.99% to 29.99% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
This is Capital One’s most premium travel credit card, packed with benefits such as airport lounge access, Priority Pass Select membership, yearly bonus miles, and an elevated rewards-earning rate on travel booked through Capital One’s portal.
Show More Show Less
Card Details

More Card Info

  • Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Pros
  • Miles can be redeemed for travel purchases, transfers to international airlines, and more
  • Can qualify for hundreds of dollars in credits each year
  • Huge welcome offer
Cons
  • $395 annual fee
  • Large spending requirement to earn the welcome bonus
  • Excellent credit required
Bottom Line

With a lower annual fee than some premium cards and extremely valuable benefits, this card can easily be worth the annual fee for the frequent traveler.

Best for Travel ─ No Annual Fee

Capital One VentureOne Rewards Credit Card

LEARN MORE
Up to 5X Reward Rate

Earn unlimited 1.25X miles on all purchases and 5X miles on hotels and rental cars booked through Capital One Travel.

Show More Show Less
Annual Fee
$0
Welcome Offer
20,000 miles
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
Rarely do we see a travel rewards credit card with a 0% APR offer and no annual fee, but the Capital One VentureOne Rewards Credit Card delivers on all of these. It boasts a 15-month 0% APR offer (then 19.99%-29.99% variable APR), unlimited 1.25X miles on all purchases, upgraded rewards earning on eligible travel, and a generous welcome bonus, making it a solid option all around.
Show More Show Less
Card Details

More Card Info

  • 0% intro APR on purchases and balance transfers for 15 months, then 19.99% - 29.99% variable APR.
  • Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Pros
  • No annual fee
  • Intro APR offer
  • Low spending requirement for welcome offer
Cons
  • High APR
  • Good or excellent credit recommended
  • Few travel perks
Bottom Line

If you don’t travel a lot, this may be a good option, but unless you’re 100% set on getting a travel card without an annual fee, you’ll likely find more value elsewhere.

Best for Cash Back ─ Everyday Spending

Capital One Quicksilver Cash Rewards Credit Card

LEARN MORE
Up to 5% Reward Rate

Earn 1.5% cash back on all purchases and 5% back on travel booked through the Capital One Travel platform.

Show More Show Less
Annual Fee
$0
Welcome Offer
$200
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The reward structure on credit cards can be confusing at times, but the Capital One Quicksilver Cash Rewards Credit Card keeps it simple. This card offers an unlimited 1.5% cash back on all purchases, plus an elevated rewards rate on eligible Capital One Travel purchases, so you can earn without even having to think about it.
Show More Show Less
Card Details

More Card Info

  • 0% intro APR for 15 months on purchases and balance transfers, then 19.99%-29.99% variable APR
  • Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • No foreign transaction fees
Pros
  • No annual fee
  • No cap on cash back
  • Intro APR offer
Cons
  • Lower welcome bonus than some cards
  • Lower rewards rate than some cards with specific categories
  • Requires good or excellent credit
Bottom Line

This is a solid, straightforward cash-back card for people who don’t want to pay an annual fee or activate categories, but other cards may earn more.

Best for Cash Back ─ Dining and Entertainment

Capital One SavorOne Cash Rewards Credit Card

LEARN MORE
Up to 3% Reward Rate

Earn 3% cash back on dining purchases, entertainment, and popular streaming services. Earn 3% cash back at grocery stores, and earn 1% cash back on all other purchases.

Show More Show Less
Annual Fee
$0
Welcome Offer
$200
Regular APR
19.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Capital One SavorOne Cash Rewards Credit Card offers easy-to-earn rewards in everyday categories, including dining, entertainment, streaming services, and even grocery stores. It’s one of the highest-earning cards for dining and entertainment on the market today.
Show More Show Less
Card Details

More Card Info

  • 0% intro APR on purchases and balance transfers for 15 months (then 19.99% - 29.99% variable APR).
  • Balance transfer fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
Pros
  • No rotating categories that you need to sign up for
  • No spending cap
  • No annual fee
Cons
  • High APR
  • Good or excellent credit recommended
  • Low sign-up bonus
Bottom Line

The cash-back categories and welcome bonus are pretty solid, especially for a card without an annual fee.

Best for Students ─ Flat Rate Cash Back

Capital One Quicksilver Student Cash Rewards Credit Card

LEARN MORE
1.5% Reward Rate

Earn unlimited 1.5% cash back on every purchase you make with this card.

Show More Show Less
Annual Fee
$0
Welcome Offer
$50
Regular APR
19.99% to 29.99% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
The Capital One Quicksilver Student Cash Rewards Credit Card is available for students with fair credit who want to begin building their credit by paying their bills on time. It’s an easy first credit card as you earn a flat 1.5% cash back for each dollar you spend, meaning there is no need to navigate a complicated cash-back rewards structure.
Show More Show Less
Card Details

More Card Info

  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • No foreign transaction fees or hidden fees
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Pros
  • No annual fee / no foreign transaction fees
  • No penalty APR
  • Unlimited 1.5% cash back on all purchases
Cons
  • High APR depending on creditworthiness
  • Limited cash back bonus categories
  • No intro APR offer for purchases
Bottom Line

For students with few options, the flat-rate, no-fuss rewards of this card could make for an appealing first card.

Best for Students ─ Dining & Entertainment Rewards

Capital One SavorOne Student Cash Rewards Credit Card

LEARN MORE
Up to 3% Reward Rate

Earn unlimited 3% back on eligible grocery, restaurant, streaming, and entertainment purchases. Earn 1% back on everything else.

Show More Show Less
Annual Fee
$0
Welcome Offer
$50
Regular APR
19.99% to 29.99% variable
Recommended Credit
Limited, Fair/Good (580 - 740)
Why we like it
Capital One SavorOne Student Cash Rewards Credit Card offers no annual fee, great cash-back rewards for everyday spending, a high cash-back percentage in bonus categories, and no foreign transaction fees. Additionally, since this card is made for students, it only requires fair credit.
Show More Show Less
Card Details

More Card Info

  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • No foreign transaction fees or hidden fees
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Pros
  • Good cash back rewards & welcome bonus
  • No annual fee
  • No foreign transaction fees
Cons
  • Highest cash back requires booking through Capital One
  • Possible high APR depending on credit worthiness
Bottom Line

It’s difficult to do better than this card as a student, with high reward rates in very useful categories, no annual fee, and the ability to qualify with fair credit.

Best for Businesses ─ Charge Card with Cash Back

Capital One Spark Cash Plus

LEARN MORE
2% Reward Rate

Earn unlimited 2% cash back on all purchases.

Show More Show Less
Annual Fee
$150
Welcome Offer
$1,200
Regular APR
N/A
Recommended Credit
Excellent (740 - 850)
Why we like it
The Capital One Spark Cash Plus credit card is a great cash-back charge card option for businesses that spend a lot. It provides 2% cash back on all purchases, along with a generous welcome bonus. Additionally, cardholders can have their $150 annual fee refunded each year they spend at least $150,000.
Show More Show Less
Card Details

More Card Info

  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Get your annual fee refunded every year you spend $150,000
  • Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Pros
  • Generous welcome offer for high spenders
  • High 2% cash back rate
  • Charge card, so no APR
Cons
  • No bonus categories
  • Must pay card in full each month
  • Has an annual fee
Bottom Line

For high-spenders, this business card is a solid option, but if you spend a lot in specific categories, another card may offer more value.

Best for Bad Credit ─ Cash Back

Capital One Quicksilver Secured Cash Rewards Credit Card

LEARN MORE
Up to 5% Reward Rate

Earn 1.5% cash back on all purchases and 5% back on travel booked through the Capital One Travel platform.

Show More Show Less
Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
No Credit History
Why we like it
Finding a rewards credit card can be tough if you’re limited in options due to your credit score. The Capital One Quicksilver Secured Cash Rewards Credit Card fills this gap by catering to individuals with less-than-perfect credit scores. Even better, it has a generous rewards rate and doesn’t charge an annual fee.
Show More Show Less
Card Details

More Card Info

  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Pros
  • Can qualify with limited credit
  • No annual fee
  • Unlimited 1.5% cash back on all purchases
Cons
  • High APR
  • Limited cash back bonus categories
  • Requires a security deposit
Bottom Line

Especially for a secured card, this card offers a decent cash-back rate, so you can earn rewards while building your credit.

Best for Bad Credit ─ Flexible Security Deposit

Capital One Platinum Secured Credit Card

LEARN MORE
No Rewards

This card doesn’t earn any rewards.

Show More Show Less
Annual Fee
$0
Welcome Offer
N/A
Regular APR
29.99% variable
Recommended Credit
No Credit History
Why we like it
It’s not a luxury card by any stretch, but the Capital One Platinum Secured can help you effectively improve your credit score. We like how it differs from other secured cards in the sense that you may be able to put down as low as a $49 security deposit to secure your $200 credit line (depending on your credit history).
Show More Show Less
Card Details

More Card Info

  • See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
Pros
  • Easy approval
  • $49, $99 or $200 flexible security deposit opportunities
  • No annual fee
Cons
  • High variable APR
  • No rewards structure
  • Requires a security deposit
Bottom Line

For a secured card, the flexible deposit options and lack of an annual fee make this an attractive option for people with bad credit.

Best for Fair Credit ─ Unsecured

Capital One Platinum Credit Card

LEARN MORE
No Rewards

This card doesn’t earn any rewards.

Show More Show Less
Annual Fee
$0
Welcome Offer
N/A
Regular APR
20.99% variable
Recommended Credit
Fair/Good (580 - 740)
Why we like it
The Capital One Platinum Credit Card can help people build their credit with responsible use. There is no annual fee or foreign transaction fees, and Capital One automatically reviews your account after six months to potentially increase your credit limit. All you have to do is make your payments on time!
Show More Show Less
Card Details

More Card Info

  • See if you’re approved in seconds.
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
Pros
  • You don’t need great credit to get approved
  • No annual fee
  • Backed by Capital One protections and cardholder benefits
Cons
  • No rewards opportunities
  • High APR
  • No introductory APR offer
Bottom Line

It’s an okay option if your credit is less than ideal and you don’t qualify for much else, but it doesn’t earn rewards and its APR is sky-high.

Comparing the best Capital One credit cards

Advertiser Disclosure
Card name
Best for
Annual fee
Reward rate
Learn more
Best for Businesses ─ Charge Card with Cash Back
$150
2%-5% cash back

Best Capital One credit cards of 2024: Editorial reviews

Capital One Venture Rewards Credit Card

[ jump to details ]

Best for Travel: Simple Rewards
The Capital One Venture Rewards Credit Card is the perfect mix of spectacular travel rewards and a comparatively low annual fee. This card allows you to earn 2X miles per dollar on every purchase and 5X miles on eligible Capital One Travel purchases, meaning you can earn miles towards your next trip while you’re paying for your daily coffee order. It also has a high welcome bonus and some excellent travel benefits, making its $95 annual fee well worth it for the frequent traveler.

Capital One Venture X Rewards Credit Card

[ jump to details ]

Best for Travel: Premium Rewards
If high-end travel is your main goal, the Capital One Venture X Rewards Credit Card can deliver, provided you use it correctly. It offers a high welcome bonus, 10,000 cardholder anniversary bonus miles (worth $100 towards travel), $300 in annual statement credits to use towards travel, Capital One Lounge access, and more. Its $395 annual fee may seem steep but if you do the math, the annual credits alone can make it worth it.

Capital One VentureOne Rewards Credit Card

[ jump to details ]

Best for Travel: No Annual Fee
Perhaps you’re a semi-frequent traveler and don’t feel like spending an annual fee on a travel credit card. The Capital One VentureOne Rewards Credit Card may be just what you’re looking for. With unlimited 1.25X miles per dollar and no annual fee, along with a generous welcome bonus, this card is one you can use occasionally and not have to worry about “getting your money’s worth”.

Capital One Quicksilver Cash Rewards Credit Card

[ jump to details ]

Best for Cash Back: Everyday Spending
The Capital One Quicksilver Cash Rewards Credit Card is one of those cards that are perfect for the spender who doesn’t want to keep track of categories. It’s simple, with 1.5% cash back on everything, a nice welcome bonus, an intro APR period, and no annual fee. If you tend to spend a lot on specific things like groceries or gas and are willing to keep track of categories, you can probably earn more with a different card, but if your goal is simplicity, look no further.

Capital One SavorOne Cash Rewards Credit Card

[ jump to details ]

Best for Cash Back: Dining & Entertainment
The Capital One SavorOne Cash Rewards Credit Card is hard to beat if you spend a lot of money on dining, entertainment, streaming services, and even grocery stores, with a higher-than-average rewards earning rate in those categories. We also love that this card has a long APR offer, no annual fee, and an easy-to-earn welcome bonus.

Capital One Quicksilver Student Cash Rewards Credit Card

[ jump to details ]

Best for Students: Cash Back
Students often spend a lot while they’re away at college, whether on textbooks, food, or online impulse purchases at 3 a.m. There’s no stopping that, so at least the Capital One Quicksilver Student Cash Rewards Credit Card can give them 1.5% cash back on all of those purchases (for no annual fee). They can even earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits (through 11/14/2024), to help fuel their late-night study sessions.

Capital One SavorOne Student Cash Rewards Credit Card

[ jump to details ]

Best for Students: Dining & Entertainment Rewards
Sometimes college students like to go out to eat with their friends or go to concerts on Saturday nights, and the Capital One SavorOne Student Cash Rewards Credit Card can help them earn elevated cash back on some of those purchases. Like, for example, they can earn 8% cash back on entertainment purchases when they book through the Capital One Entertainment portal or 3% cash back on dining purchases. They also won’t have to pay an annual fee for this card.

Capital One Spark Cash Plus

[ jump to details ]

Best For Businesses: a Charge Card with Cash Back
For high-spending businesses, the Capital One Spark Cash Plus can give you 2% back on all of those big purchases you make, which can add up. Keep in mind, though, that this Spark business card is a charge card. This means you can’t carry a balance from month to month and you have to pay it off in full.

Capital One Quicksilver Secured Cash Rewards Credit Card

[ jump to details ]

Best for Bad Credit: Cash Back
For a secured credit card, The Quicksilver Secured is pretty good. It doesn’t have an annual fee and it lets you earn 1.5% cash back on all purchases you make (not many secured cards do that). The $200 security deposit required to open an account is also fully refundable. If you use your card responsibly, you may be able to get your deposit back and upgrade to one of the unsecured Quicksilver cards. You’ll also be automatically considered for a credit line increase after as little as 6 months, without having to make an additional deposit.

Capital One Platinum Secured Credit Card

[ jump to details ]

Best for Bad Credit: Flexible Security Deposit
The Capital One Platinum Secured card doesn’t earn any rewards but we like how you could potentially put down as little as $49 in a security deposit and get a $200 credit line from that (depending on your credit score). Most secured cards make your credit line the same amount as what your deposit is, so this is a good deal, in our opinion. It also doesn’t have an annual fee, unlike some other secured credit cards.

Capital One Platinum Credit Card

[ jump to details ]

Best for Fair Credit: Unsecured
The Capital One Platinum Credit Card is pretty similar to its secured counterpart but it doesn’t require a security deposit to open an account. Instead, your credit line is determined by how good your credit score is. The good news, though, is that even if you have a bad credit score and qualify for a very low initial credit line, after as little as 6 months of rebuilding your credit with this card, Capital One will automatically consider increasing your credit limit. It’s certainly not the best card if you have other options that can earn rewards, but it’s a solid unsecured card for rebuilding your credit.

Other Capital One cash-back credit cards:
Capital One QuicksilverOne Rewards Credit Card
Capital One Quicksilver Secured Cash Rewards

Other Capital One business credit cards:
Capital One Spark Miles for Business
Capital One Spark Cash Select for Excellent Credit

Who should get a Capital One credit card?

Capital One has credit cards for almost everyone. From high-end travel credit cards for the frequent traveler to secured credit cards for the person who is looking to rebuild their credit score, it’s almost guaranteed that you’ll find a Capital One card you love.

As for actual requirements to qualify for a Capital One card, there are a few. You must be at least 18 years old to become a primary Capital One cardholder, and if you’re under 21 they require either proof of independent income or a cosigner. Additionally, applicants must provide either a social security number or an Individual Taxpayer Identification Number.

How to choose a Capital One card

When you’re deciding on a new credit card, whether you’re a Capital One loyalist, this is your first time testing them out, or you’re looking to upgrade to something new, there are a few important things to consider.

1. What’s your credit score?

Depending on what your credit score is, you may have a limited selection of credit cards to choose from. Most of Capital One’s credit cards are for people with good or excellent credit, but they do offer credit cards for bad credit or fair credit. As a general rule, these are the cards you should be looking for:

Not sure what your credit score is? Check out our guide on how to check your credit score. If you know your score and are looking to increase it, see our helpful tips on how to raise your credit score fast.

2. What kind of rewards do you want?

If you have a good or excellent credit score, then congratulations! You may qualify for one of Capital One’s best rewards-earning cards. Capital One rewards cards fall into two main categories: miles-earning and cash-back cards. For the avid traveler, a miles-earning card like the Venture Rewards card can provide immense value. For the everyday spender, a cash-back card like the SavorOne Rewards card might be more of what you’re looking for.

Our favorite travel card options:
Capital One Venture Rewards Credit Card
Capital One Venture X Rewards Credit Card
Capital One VentureOne Rewards Credit Card

Our favorite cash-back card options:
Capital One SavorOne Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Capital One QuicksilverOne Rewards Credit Card

3. Look at the annual fee

Some cards (especially rewards cards) charge annual fees, like the Capital One Venture X Rewards Credit Card with its $395 annual fee. For people who can make the most of the benefits these types of cards provide, the yearly price tag may be well worth it, but for people who are semi-frequent travelers or aren’t big spenders, another option may be a better bet. Just because a card is shiny and luxe doesn’t mean it meets your personal needs or goals.

Instead, if you’re in the market for a travel credit card, for example, and don’t want to pay for the Venture X, the Capital One VentureOne Rewards Credit Card has a variety of travel-related benefits for no annual fee. Similarly, the Capital One Venture Rewards Credit Card (our personal favorite Capital One travel credit card) only charges a $95 annual fee and has comparable benefits to the Venture X. Read more in our detailed comparison of the Capital One Venture vs Venture X.

When considering your next Capital One credit card, make sure to evaluate whether you’ll be able to get enough use out of it to make its annual fee worthwhile (alternatively, you can compare credit cards with no annual fee from other providers).

Types of Capital One credit cards

Capital One offers a range of credit cards for consumers with different goals, whether they want to build their credit or earn more rewards on everything they buy.

Travel cards

You can choose to redeem your miles for travel through Capital One or transfer your miles to other airline and hotel programs. Even if traveling isn’t currently in your plans, your miles won’t go to waste. Rewards can also be redeemed for non-travel-related perks like statement credits, gift cards, or merchandise. 
Editor’s pick: Capital One Venture Rewards Credit Card (See our detailed comparison of the Chase Sapphire Preferred vs. Capital One Venture).

Other Capital One travel credit cards:

Capital One Venture X Rewards Credit Card
Capital One VentureOne Rewards Credit Card

(See our comparison of Capital One Venture X vs Chase Sapphire Reserve)

Cash-back cards

If your interests are purely monetary, a cash back rewards card could be exactly what you need. Some cash back cards offer a flat rate back on whatever you spend, while others reward you even more when you spend in certain categories. 
Editor’s pick: Capital One Quicksilver Cash Rewards Credit Card or Capital One SavorOne Cash Rewards Credit Card (See our detailed comparison of the Capital One SavorOne vs. Quicksilver).

Other Capital One cash back credit cards:

Capital One QuicksilverOne Rewards Credit Card
Capital One Quicksilver Secured Cash Rewards

Student cards

The rewards that student credit cards offer are limited, but they are still worth considering. These Capital One starter credit cards are perfect for those with little to no credit history. 
Editor’s pick: Capital One SavorOne Student Cash Rewards Credit Card

Other Capital One student credit cards:

Capital One Quicksilver Student Cash Rewards Credit Card

Store cards

If you’re someone who frequently shops at a specific store, Capital One has various credit cards to reward you for your purchases. 
Editor’s pick: Capital One® Walmart Rewards® Mastercard 

Business cards

If you own or manage a business, Capital One has cards specifically for you! These cards give rewards such as cash back, travel rewards, and bonuses on business-related purchases.
Editor’s pick: Capital One Spark Cash Plus (See our detailed review of the Capital One Spark Miles for Business card).

Other Capital One business credit cards:

Capital One Spark Miles for Business
Capital One Spark Cash Select for Excellent Credit

Secured credit cards

If your credit score is less than ideal, Capital One can help you build or rebuild. These cards typically don’t have high rewards earning potential but they’re a good place to start.
Editor’s pick: Capital One Quicksilver Secured Cash Rewards

Benefits of Capital One credit cards

There are several reasons to pick up a Capital One credit card over cards from other card issuers.

Some of the main benefits of choosing Capital One are highlighted below:

1

No foreign transaction fees:

Capital One credit cards never charge foreign transaction fees, so they are perfect for people who travel and make purchases outside of the United States.

See More See Less
2

Flexible redemption options:

Rewards credit cards from Capital One tend to offer more flexible redemption options than cards from other credit card issuers. With Capital One, you can redeem your rewards for travel, gift cards, statement credits, and merchandise through select platforms.

See More See Less
3

Capital One Entertainment:

One of the issuer’s most highly coveted benefits is the Capital One Entertainment platform, which allows cardholders to gain exclusive access to concerts, sporting events, and more.

See More See Less
4

Online pre-qualification:

Unlike many other credit card issuers, Capital One gives consumers the chance to check their approval odds and pre-qualify online without a hard inquiry on their credit report, meaning it won’t affect their credit score.

See More See Less
5

Options for all credit profiles:

Capital One offers plenty of options for consumers with bad credit, fair credit, or excellent credit, meaning there’s a card for everyone.

See More See Less
6

Low-cost options:

Many Capital One credit cards come with no annual fee, as well as 0% APR introductory rates that rival those offered by other credit card issuers.

See More See Less
7

Eno, the Capital One virtual assistant:

Capital One credit card holders have access to Eno, Capital One’s virtual assistant. Through Eno, cardholders can ask questions, get virtual card numbers, and more.

See More See Less

How to apply for a Capital One credit card

You can apply for a Capital One card online and from the comfort of your home. Once you find a card you’re interested in, click the “Learn More” button next to the card on this page, then click on the button that says “Apply Now” to begin filling out an online application!

Additionally, Capital One has a “pre-approval” questionnaire on their website which can give you an idea of the likelihood of you getting approved for a card when you apply. You can also try the CardMatch tool which can help match you with cards that you’re likely to be approved for.

How many Capital One credit cards can I have at once?

You can have several credit cards from this issuer, with no published limit, although we recommend that you stagger your applications over several months (or years) so you don’t get denied for having too much “new credit.”

We also don’t recommend opening too many credit cards if you’re likely to lose track of them and then forget to pay them off, or if you’re prone to “taking advantage” of your credit and spending more money than you have (leading to debt).

Are Capital One credit cards good?

Capital One credit cards are generally considered to be good cards. They’re a reputable credit card issuer with a variety of cards for different purposes, with cards for rebuilding credit, premium travel cards, student cards, and almost everything in between.

Many of Capital One’s cards are similar to American Express cards and Chase credit cards, with high rewards-earning potential and many options for multiple types of spenders.

How we selected our top cards

To find the best Capital One credit cards on the market today, we looked at all of the offerings from this credit card issuer. Ultimately, we selected the cards with the best high-earning potential and the most generous selection of perks.

We also selected credit cards for different credit profiles, including premium cards for frequent travelers and card options for consumers with low credit scores. We also looked for cards that offer a one-time incentive for signing up, a reasonable annual fee, travel-related perks, and rewards that are easy to manage and redeem.

Best Capital One credit cards FAQ

What is the best Capital One credit card?

The best Capital One credit card for you depends on the type of rewards you want to earn, the perks you want access to, and the fees you’re comfortable paying each year. Also check your credit score since this metric will determine which Capital One cards you’ll be eligible for.

When you compare Capital One credit cards based on these factors, you should easily find the right card for your needs and goals.

Are Capital One credit cards worth it?

Credit cards from this issuer are popular for a reason. Not only do they come with flexible rewards programs, but they never charge foreign transaction fees.

Whether you choose the Venture Rewards Credit Card, the Capital One Platinum Credit Card, the Capital One VentureOne, the QuicksilverOne, or one of the other cards from this issuer, you will likely be satisfied with your decision.

How do you redeem Capital One rewards?

Your redemption options will vary depending on the type of Capital One card you sign up for. For example, their travel credit cards let you redeem for gift cards, merchandise, travel through Capital One or transfers to Capital One airline and hotel partners (see our top airline credit card and hotel credit card picks). However, their cash back credit cards only let you redeem for gift cards, merchandise or statement credits.

What type of credit card is Capital One?

Capital One offers both Mastercard and Visa options, but most are Mastercard. Overall, Mastercard and Visa don’t have many differences, and they are both widely accepted in the U.S. and overseas.

Does Capital One offer any other products besides credit cards?

Yes! Capital One offers credit cards, auto loans, checking accounts, and savings accounts. You can learn more about Capital One savings accounts in our helpful guide.

Are Capital One cards accepted at Costco?

It depends. Visa-branded Capital One cards are accepted in-store and online at Costco, and Mastercard-branded Capital One cards are only accepted online and in the Costco app (See what payment methods are accepted at Costco).

Do Capital One cards have foreign transaction fees?

No, Capital One cards have no foreign transaction fees, so you can use them freely when traveling in the U.S. and abroad without worrying about pesky fees.

Holly D. Johnson
Holly D. Johnson Finance Expert

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

BACK TO TOP