Best Capital One Credit Cards

Find the Capital One card that fits your needs.

Capital One is one of the largest banks in America, offering an array of financial products and services, including a variety of credit cards for business and personal use. If you’re interested in opening a credit card with Capital One, you can choose from 14 different options — but the best Capital One credit card for you will depend on your individual needs. Whether you want to earn cash back, build credit or get travel rewards, there’s likely a Capital One credit card that fits what you’re looking for.

The Best Capital One Credit Cards

Keep reading to find out more about these cards, and for any additional questions, cardholders can contact Capital One customer service at 800-227-4825.

Journey Student Credit Card From Capital One

Establish your credit while earning cash-back rewards with the Journey Student Credit Card.

Benefits:

  • Earn 1 percent cash back on all purchases, or 1.25 percent if you pay your monthly bill on time
  • No annual fee
  • Free unlimited access to your credit score with CreditWise
  • $0 fraud liability
  • No foreign transaction fees
  • 24-hour travel assistance services
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Extended warranty protection on eligible items

Disadvantages:

  • High 22.9%-27.99% variable APR and no intro APR

Best for: Students who are just starting to build credit, who want to earn cash back on everyday purchases.

See: Best Credit Cards With No Foreign Transaction Fees

Platinum Credit Card From Capital One

The Platinum card allows you to build credit without having to worry about paying an annual fee.

Benefits:

  • No annual fee
  • Free unlimited access to your credit score with CreditWise
  • $0 fraud liability
  • Mobile and online account access with the Capital One credit card app
  • No foreign transaction fees
  • 24-hour travel assistance services
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Extended warranty protection on eligible items

Disadvantages:

  • High 22.9%-27.99% variable APR and no intro APR
  • No cash back or travel rewards

Best for: People who want to monitor and improve their credit score.

Quicksilver From Capital One

The Capital One Quicksilver card is a no annual fee credit card that allows you to earn unlimited cash-back rewards — you’ll get 1.5 percent cash back with every purchase, every day.

Benefits:

  • No limit to the cash back you can earn, and rewards don’t expire
  • Earn a one-time $150 cash bonus when you spend $500 on purchases within three months from account opening
  • No annual fee
  • 0% intro APR on purchases and transfers for 15 months
  • No foreign transaction fees
  • 24-hour travel assistance services
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Extended warranty protection on eligible items

Disadvantages:

  • Purchase APR rises to 16.74 to 24.74 percent after the intro period

Best for: People with excellent credit who want to earn cash-back rewards.

Learn: Capital One Credit Card Login and Account Management Tips

QuicksilverOne From Capital One

The QuicksilverOne from Capital One credit card allows you to earn unlimited 1.5 percent cash back on every purchase. Unlike the Quicksilver card, which requires excellent credit, you can be approved for this Capital One rewards card with average credit.

Benefits: 

  • No limits on cash-back rewards and earned rewards don’t expire
  • Unlimited access to your credit score with CreditWise
  • $0 fraud liability
  • No foreign transaction fees
  • 24-hour travel assistance services
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Extended warranty protection on eligible items

Disadvantages: 

  • $39 annual fee
  • High 22.99%-27.99% variable APR and no intro APR

Best for: People with average credit who want to earn cash-back rewards.

SavorOne Rewards From Capital One

This cash-back rewards card has no annual fee and allows you to earn higher rates of cash back on dining and entertainment purchases.

Benefits:

  • Unlimited cash-back rewards and your rewards don’t expire
  • Earn 3 percent cash back on dining and entertainment, 2 percent cash back at grocery stores and 1 percent cash back on all other purchases
  • Earn a one-time $150 cash bonus when you spend $500 on purchases within the first three months from account opening
  • No annual fee
  • 0% intro APR on purchases and transfers for 15 months
  • No foreign transaction fees
  • Extended warranty and price protection
  • Complimentary concierge service
  • 24-hour travel assistance services

Disadvantages:

  • Purchase APR rises to 16.74 to 24.74 percent after the intro period

Best for: Earning cash back on dining and entertainment for people with excellent credit.

Spark Cash From Capital One

This business credit card allows you to earn unlimited 2 percent cash-back rewards that can be put back into your business.

Benefits:

  • Unlimited cash back that can be redeemed at any time; rewards don’t expire
  • Earn a one-time $500 cash bonus when you spend $4,500 on purchases within the first three months from account opening
  • $0 intro annual fee for the first year
  • $0 fraud liability and fraud alerts
  • Free employee cards
  • No foreign transaction fee
  • Auto rental damage waiver
  • Purchase security and extended protection

Disadvantages:

  • Annual fee rises to $95 after the first year
  • No intro APR

Best for: Business owners with excellent credit who want to earn cash back on their business purchases.

Capital One Business Credit Card Comparison: Variable APRs and Unlimited Rewards

Venture Rewards

Earn two rewards miles for every $1 spent on everyday purchases, and 10 rewards miles for every $1 spent on Hotels.com bookings with the top-rated Capital One Venture travel rewards card.

Benefits:

  • Earn 50,000 bonus miles when you spend $3,000 on purchases within the first three months from account opening
  • $0 annual fee for the first year
  • No foreign transaction fee
  • Up to $100 credit for Global Entry or TSA Precheck
  • 24-hour travel assistance services
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Extended warranty protection on eligible items

Disadvantages:

  • Annual fee jumps to $95 after the first year
  • No intro APR

Best for: People with excellent credit who want to earn travel rewards.

Click through to learn about some of the best travel credit cards available.

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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of GOBankingRates alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion, and some bonus offers might no longer be available on the issuers’ websites, depending on how you access the web page.