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Best Capital One Credit Cards of 2023

  • Discover why Capital One is a leading credit card company
  • View the range of cards that Capital One has available
  • Learn about how a Capital One card could benefit you
  • Get advice on how to choose the best card for your needs
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Holly D. Johnson - Contributor Updated: 26 January 2023 8 Min Read
Reviewed By Bestcovery - Editorial Team
Why Trust Us?

Capital One offers a broad range of credit cards for consumers and small businesses, including popular options for earning cash back, racking up travel rewards, or building credit. While some of their cards offer flat-rate rewards on everything you buy, others offer more points in bonus categories you can maximize to boost your rewards haul over time.

If you’re searching for a new credit card and considering a Capital One card, it helps to have a basic understanding of various cards’ rewards rates, perks, and fees. To help in your search, we compared all 30 credit cards this issuer offers to come up with a list of the best Capital One credit cards for consumers.

Our picks for the best capital one credit cards

Best Capital One Credit Cards of 2023

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Capital One Venture X Rewards Credit Card

Best for Premium Travel Rewards

Earning rewards

When you sign up for the Capital One Venture X Rewards Credit Card, you get the chance to earn 10X miles on hotel and rental car purchases made through Capital One Travel, as well as 5X miles on airfare purchased through the portal. All other purchases earn a flat rate of 2X miles per dollar spent.

This Capital One card for travel also starts new applicants off with 75,000 bonus miles when they can spend $4,000 on purchases within three months of account opening.

Capital One Venture X Rewards Credit Card

PROS

  • Generous travel benefits included
  • Lucrative one-time sign-up bonus
  • No foreign transaction fees
  • Flexible redemptions for rewards
  • Reasonable annual fee for a premium travel credit card
  • Minimum rate of 2X miles on all purchases

CONS

  • High APR if you carry a balance
  • Good credit score required
  • Best rewards rates are only for travel booked through Capital One

Why we like it

There are numerous reasons to love the Capital One Venture X Rewards Credit Card, but it all starts with its excellent earning rate for travel purchases. Cardholders can earn a whopping 10X miles on hotels and rental cars booked through the Capital One portal, plus they get 5X miles on flights booked the same way. All other purchases earn 2X miles as well, which is the equivalent of earning 2% cash back on everything you buy.

Rewards earned with the Capital One Venture X are also extremely flexible. Cardholders can redeem their miles for statement credits to cover travel purchases made to their card within the last 90 days, or they can use them for point transfers to Capital One airline and hotel partners. Capital One miles can also be redeemed for gift cards, merchandise or purchases made through Amazon.com or PayPal, among other options. Rewards don’t expire for the life of the account.

This Capital One card also comes with a slew of premium travel benefits, including an easy-to-use $300 annual travel credit, Priority Pass Select airport lounge access, entry into Capital One airport lounges and more. The $395 annual fee is also very reasonable when you compare this card to premium travel credit cards from other issuers.

Capital One Quicksilver Cash Rewards Credit Card

Best for Everyday Spending

Earning rewards

The Capital One Quicksilver Cash Rewards Credit Card aims to keep things simple by offering a flat 1.5% cash back for each dollar spent. This means there are no bonus categories to keep track of, but it also means you earn a higher rate of rewards on everything you buy.

New customers can also earn a one-time $200 cash bonus after spending just $500 on purchases within three months of account opening.

Capital One Quicksilver Cash Rewards Credit Card

PROS

  • No annual fee
  • No-hassle, flat-rate rewards
  • $200 sign-up bonus
  • 0% APR offer for 15 months
  • Flexible redemptions for rewards

CONS

  • Minimal cardholder benefits
  • Other cash-back credit cards earn more rewards
  • High regular APR after intro period ends

Why we like it

There are many reasons to like the Capital One Quicksilver Cash Rewards Credit Card, including the fact you can earn a flat 1.5% cash back on all purchases without having to worry about bonus categories or earning caps. The one-time $200 cash bonus offer is also a major plus, particularly since the minimum spending requirement to earn it is just $500 within three months. The Capital One Quicksilver Cash Rewards Credit Card doesn’t even charge an annual fee over the life of the account.

We also like the intro APR offer on this card, which applies to both purchases and balance transfers for a full 15 months. This offer can be lucrative for consumers who want to pay down a large purchase interest-free over time, as well as those who want to consolidate high-interest debts from other cards.

Rewards earned with this Capital One card are also incredibly flexible. In fact, cash back can be redeemed for statement credits, gift cards or purchases made through Amazon.com or PayPal. Also be aware that rewards don’t expire for the life of the account.

Capital One SavorOne Rewards Credit Card

Best for Dining, Entertainment and Grocery Stores

Earning rewards

The Capital One SavorOne Rewards Credit Card lets cardholders earn an unlimited rate of 3% cash back on dining, entertainment, groceries and popular streaming services, as well as 1% cash back on all other purchases.

New cardholders can also earn a one-time $200 cash bonus after spending $500 on purchases within three months of account opening.

Capital One SavorOne Rewards Credit Card

PROS

  • No annual fee
  • Exceptional rewards in bonus categories
  • $200 sign-up bonus
  • 0% APR offer for 15 months
  • Flexible redemptions for rewards

CONS

  • Low rewards rate of 1% on regular purchases
  • High regular APR after introductory offer ends
  • Minimal cardholder benefits

Why we like it

If you are hoping to earn more cash back in categories like dining, entertainment and grocery stores, it’s hard to beat the Capital One SavorOne Rewards Credit Card. Not only will you earn 3% back on dining out and entertainment purchases like concert tickets or movies out, but you’ll earn the same rate at grocery stores and on popular streaming services. The $200 cash bonus offer is also generous, especially since this rewards credit card doesn’t charge an annual fee.

Another reason to consider this card is its 0% APR offer. New customers pay zero interest on purchases and balance transfers for 15 months, followed by a variable APR of 15.24% to 25.24%. 

Finally, this Capital One credit card comes with similar flexible redemption options as the others in our ranking. You can redeem your rewards for statement credits, gift cards or purchases made through Amazon.com or PayPal, to name a few options.

Capital One Quicksilver Rewards for Students

Best for Students

Earning rewards

The Capital One Quicksilver Rewards for Students is a credit-building card that lets students earn 1.5% cash back for each dollar they spend.

This card does not offer a cash bonus for new applicants.

Capital One Quicksilver Rewards for Students

PROS

  • Generous flat-rate rewards
  • Available for applicants with fair credit
  • Flexible redemptions for rewards

CONS

  • High regular APR
  • Minimal cardholder benefits
  • No sign-up bonus

Why we like it

The Capital One Quicksilver Rewards for Students is available for students with fair credit who want to begin building their credit by paying their bills on-time. We like the fact students earn a flat 1.5% cash back for each dollar they spend, and that redemption options include statement credits, gift cards or purchases through Amazon.com or PayPal.

There’s no annual fee to carry this student credit card, which makes it a good option for earning rewards and credit-building during one’s college years. Better yet, rewards don’t expire for the life of the account.

Capital One Platinum Secured

Best for Bad Credit

Earning rewards

The Capital One Platinum Secured is a secured credit card for credit-building, so it doesn’t offer any rewards for spending.

Capital One Platinum Secured

PROS

  • Available for bad credit or no credit score
  • Helps you build credit over time
  • Automatic credit line reviews from Capital One
  • Low minimum security deposit requirement
  • No annual fee and no hidden fees

CONS

  • High regular APR
  • No rewards for spending

Why we like it

If you have bad credit that prevents you from qualifying for other credit cards, the Capital One Platinum Secured could help you improve your situation. This Capital One card is a secured credit card, meaning you have to put down at least $49, $99 or $200 to secure your own line of credit. From there, you can use your secured credit card for purchases just like you would any other credit card, and Capital One will report your on-time payments and credit use to the three credit bureaus. Ultimately, this can help you boost your credit score over the life of the account.

There are several reasons to consider the secured Capital One Platinum Credit Card over others on the market, including its low minimum deposit requirement that starts at just $49. This no-frills Platinum card also comes with no annual fee, so you can get started building credit without having to pay out-of-pocket to do so. Also note that your Platinum card security deposit is fully refundable, and that Capital One will automatically review your account and credit line to see if you’re eligible for a higher credit limit.

Compare Capital One Credit Cards

Learn about the top credit cards
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About Capital One

Capital One was originally founded in 1994, so this credit card issuer has not been around for as long as many of its competitors. However, the company has grown tremendously since its early days, and they are now known worldwide for its popular banking and credit card products.

Initially, Capital One focused on offering cash back credit cards with no annual fee and cards for credit-building. However, the company has added to its offerings over the years with the introduction of secured credit cards and co-branded cards.

For example, Capital One famously introduced the Capital One Walmart Rewards Card in 2019. The organization also entered the premium travel credit card market in 2021 with the highly popular Capital One Venture X Rewards Credit Card, which offers exceptional rewards on travel purchases and builds on the Capital One Travel brand alongside the original Capital One Venture Rewards Credit Card and the Capital One VentureOne.

Benefits of choosing a Capital One credit card

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

The main benefits of choosing Capital One are highlighted below:

What types of rewards do Capital One cards offer?

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.

As you compare credit cards from Capital One side-by-side, you need to consider the factors that are most important to you. For example, you’ll want to think over the type of rewards you want to earn, and whether you are comfortable paying an annual fee.

In the meantime, take an in-depth look at your regular spending habits to see which high-earning categories you spend the most in. If you spend a lot on rental cars, ride-sharing, hotels, and airfare, for example, you will likely benefit more from a card that offers bonus points on travel-related purchases.

Also find out where you stand in terms of your FICO credit score since the health of your credit will determine which Capital One credit cards you may be eligible for. Finally, decide whether you want a Capital One card that offers 0% APR for a limited time.

By comparing cards based on these features and the types of rewards and benefits they offer, you can find the right card for your needs and goals.

How we selected our top cards

To find the best Capital One credit cards on the market today, we look at all 30 of the offerings from this credit card issuer. Ultimately, we selected the cards with the best high-earning potential, the most generous selection of perks, and the potential for a high credit limit.

We also selected credit cards for different credit profiles, including premium cards for frequent travelers and card options for consumers with a low FICO credit score. Finally, we looked for cards that offer a one-time incentive for sign-up, a reasonable annual fee (or no annual fee), travel-related perks, and rewards that are easy to manage and redeem.

Best Capital One credit cards FAQ

Holly D. Johnson
Holly D. Johnson Contributor

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.