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Best Capital One Credit Cards of August 2022

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

When it comes to credit cards, Capital One has a number of high-quality options that are a fit for everyday credit cardholders searching for lucrative sign-up bonuses or high travel rewards. That's why we’ve vetted Capital One's lineup of credit cards to bring you our picks for the best.

Types of Capital One credit cards

Capital One offers a huge variety of credit cards that cater to all needs, whether you’re looking to rack up travel points, save money on dining, get a credit card for your new business, pay off debt, or even build credit.

Keep reading to learn more about Capital One's credit cards, or scroll down to see our picks for the best of each category.

Travel rewards credit cards

Even though they only offer two travel rewards credit cards, both of Capital One’s Venture cards have consistently been ranked as the best travel rewards credit cards on the market for years now. These cards are designed to help you earn rewards that can be applied to travel expenses, helping you potentially save thousands on your dream vacation. They also tend to offer bonus points for travel spending and perks that are particularly useful for frequent travelers.

Cash back credit cards

Cash back credit cards instead offer to give you back a percentage of each purchase you make. If you're looking for an unlimited cash back card, Capital One has some great options -- especially for grocery, entertainment, and travel expenses.

Flat rate cash back credit cards offer a flat rate back on purchases, usually 1.5% or 2%. Other cash back credit cards have bonus categories that offer a higher percentage back -- such as 3% cash back on travel purchases or 4% cash back on dining and entertainment -- but only offer 1% back on other purchases.

Secured credit cards

Secured credit cards are specifically designed to help people with low credit scores or no credit history build credit. Typically, just about anyone can qualify for them. These credit cards typically require a deposit, which "secures" the credit card. Unlike some cards, Capital One's secured credit cards can help you build credit without requiring an oversized security deposit or hefty annual fee. Secured credit cards often low credit limits. However, after a certain number of on-time payments, you can often qualify for a bigger credit limit or an unsecured credit card.

Business credit cards

Business credit cards are similar to personal credit cards, except their rewards are geared more toward business expenses and they don’t always affect your personal credit score. Capital One is unique from most issuers in that they report business credit card activity to personal credit bureaus.

It’s worth noting that you don’t need to own a registered company in order to qualify for a business credit card. Any form of self-employment, or even a side hustle like selling goods on eBay, can count as a “business.” These credit cards may reward your business spending at a higher rate and help you separate your finances.

0% intro APR credit cards

Most issuers now have credit cards with 0% intro APR promotional offers, and Capital One is no different. These 0% intro APR offers can apply to new purchases, balance transfers, or both. They specify a promotional period, usually 12 to 21 months, after which the APR will jump back up to a pretty high rate, so it’s crucial to have your bill paid off before that happens.

Having a 0% intro APR on new purchases can be useful, but only if you’re certain you can pay it off before the regular APR kicks in. Typically, saving the money you need for a big purchase is ideal. However, credit cards with good balance transfer offers can be very useful in helping consumers pay off debt without paying any interest.

Great for: Travel rewards and sign-up bonus

  • This is a strong premium level travel card with a big sign-up bonus, robust rewards program, and rich travel credits. Read Full Review

    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Airport lounge access
    • Easy-to-use miles
    • Annual fee
    • Small selection of travel partners
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • 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

Great for: Travel and sign-up bonus

  • Unlimited 2X miles, TSA Pre✓® credits, and a big sign-up bonus make this credit card one of the best travel companions. Read Full Review

    • Excellent sign-up bonus
    • Unlimited miles on every purchase
    • Travel credit
    • Multiple ways to use miles
    • No foreign transaction fee
    • Annual fee
    • No 0% intro APR offer
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • 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®
    • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • 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

Great for: Unlimited cash back and 0% intro APR offer

  • One of the most versatile and flexible cash-back cards we've seen. The long 0% intro APR makes the offer hard to pass up, especially if you're wanting to keep a one-card wallet that packs in a rich rewards program. Read Full Review

    • Competitive sign-up bonus
    • Solid cash back rate on every purchase
    • No annual fee
    • Great intro APR
    • No bonus categories
    • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • $0 annual fee and no foreign transaction fees
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • 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
    • 0% intro APR on purchases and balance transfers for 15 months; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Great for: No annual fee travel card

  • Travel cards with no annual fee generally pull back on cardholder favorites, but this offer keeps those perks intact, making it a solid offer for cardholders not spending enough on credit to justify paying an annual fee. Read Full Review

    • No annual fee
    • Sign-up bonus
    • Rewards on every purchase
    • Great intro APR
    • No foreign transaction fee
    • Mediocre rewards rate
    • No bonus categories
    • $0 annual fee and no foreign transaction fees
    • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
    • Earn unlimited 1.25X miles on every purchase, every day
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • 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
    • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Great for: Dining and entertainment rewards

  • Unlimited bonus scash back on dining and entertainment makes this the ideal option for spending nights out on the town. Pair that with the big sign-up bonus and bonus back at grocery stores and you’ve got the ingredients for a top-rated rewards card.

    • Big sign-up bonus
    • Dining rewards
    • Entertainment rewards
    • Streaming services rewards
    • No foreign transaction fee
    • Annual fee
    • No intro APR offer
    • Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
    • Earn unlimited 4% cash back on dining, entertainment, and for popular streaming services, earn 3% at grocery stores and 1% on all other purchases.
    • 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
    • Capital One cardholders get access to premium experiences in dining, entertainment and more
Capital One® Savor® Cash Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.
  • Dining and grocery spending will earn premium rewards, but that's not the only showstopper. The sign-up bonus, no annual fee, and a 0% intro APR offer can add a ton of value. Read Full Review

    • Sign-up bonus
    • Dining rewards
    • Entertainment rewards
    • No annual fee
    • Great intro APR for purchases
    • Balance transfer fee
    • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
    • 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
    • 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
    • No foreign transaction fee
    • No annual fee
  • This card amps up the value that other student credit cards lack. The fact that the cuts your out-of-pocket costs with no annual fee, while still offering cash back, makes it a leading student card. Read Full Review

    • No annual fee
    • Cash back on every purchase
    • Free credit score monitoring
    • No sign-up bonus
    • No intro APR offer
    • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Enjoy no annual fee and no foreign transaction fees
    • You can help build your credit with responsible use of a card like this
    • Set up Autopay for your account and your payments will be made automatically every month
    • Pick the monthly due date that works best for you
    • Be automatically considered for a higher credit line in as little as 6 months
    • $0 fraud liability if your card is ever lost or stolen
  • Comes with a low initial security deposit and no annual fee, making it a top pick if you want to open a secured card account without breaking the bank. Read Full Review

    • No annual fee
    • Low minimum deposit amount
    • Can graduate to an unsecured card
    • No minimum credit score required
    • No rewards
    • No free credit score monitoring
    • No annual or hidden fees. 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

Great for: Fair credit

Apply Now for Capital One Platinum Credit Card

On Capital One's Secure Website.

  • One of the leading cards among its competitors, mainly due to its focus on cutting nuisance fees, such as annual dues and for foreign transactions. Read Full Review

    • No annual fee
    • Low credit score requirement
    • Automatic credit limit increase
    • No foreign transaction fee
    • No rewards
    • No 0% intro APR offer
    • No annual or hidden fees. 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
  • Packs in one of the higher unlimited cash-back rates in the student credit card category. The fact that it has no annual fee and no foreign transaction fee makes this a strong offer to consider. Read Full Review

    • Cash back rewards
    • No annual fee
    • No foreign transaction fee
    • No welcome bonus
    • No intro APR offer
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Limited Time Offer: Earn $100 when you spend $100 in the first three months
    • Enjoy no annual fee, foreign transaction fees, or hidden fees
    • 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
    • You can help build your credit with responsible use of a card like this
    • Be automatically considered for a higher credit line in as little as 6 months
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

Great for: Students wanting bonus-category cash back

  • Includes cash back rewards that go toe to toe with some of the best credit cards, plus there's no annual fee and no foreign transaction fee. Read Full Review

    • Competitive cash back rewards
    • No annual fee
    • No foreign transaction fee
    • No sign-up bonus
    • No intro APR offer
    • High ongoing APR
    • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
    • Limited Time Offer: Earn $100 when you spend $100 in the first three months
    • Enjoy no annual fee, foreign transaction fees, or hidden fees
    • 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
    • You can help build your credit with responsible use of a card like this
    • Be automatically considered for a higher credit line in as little as 6 months
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
    • No annual fee
    • Unlimited cash back
    • No foreign transaction fees
    • Includes a free credit monitoring tool
    • Potential to get your security deposit back as a statement credit
    • Requires a security deposit
    • No sign-up bonus
    • High variable APR
    • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
    • 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
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • Monitor your credit score with CreditWise from Capital One. It's free for everyone

Capital One is a pioneer of rewards credit cards and a favorite among frequent flyers. The issuer basically invented the targeted credit card offer back in the 1990s, and their travel rewards credit cards have consistently been listed among the best for years. Even if you’re not the traveling type, Capital One offers solid credit cards for cash back, businesses, and even credit building. With so many options, it can be hard to choose. This guide explains everything you need to know about the best Capital One credit cards.

How to get approved for a Capital One credit card

Most Capital One credit cards require a good credit score, which translates to a FICO® Score of at least 670. If your credit score is fair -- a FICO® Score between 580 and 669 -- you will find it difficult to qualify for most of the best Capital One credit cards, but you may be able to obtain some of their business credit cards.

If your credit score is fair or poor and you’re having trouble receiving approvals, you should consider a secured credit card from Capital One, which will help you build credit and eventually be approved for a better rewards credit card.

Additionally, Capital One does limit the number of cards you can carry with them. You cannot typically carry more than two Capital One personal credit cards at once.

It’s also worth noting that Capital One, unlike most issuers, will pull your credit report from all three bureaus when you apply for a credit card. This results in three hard pulls on your credit report, so make sure you space out your applications to avoid having too many recent inquiries after a Capital One application.

What are Capital One miles worth?

Capital One’s travel rewards credit cards offer “miles” that are worth a flat rate of $0.01 for travel redemptions and can be used toward travel purchases and gift cards. This means that a sign-up bonus of 50,000 miles would be worth $500.

How Capital One rewards work

Capital One credit cards offer either cash back rewards or travel rewards. The former is self-explanatory as their system is similar to any other cash back rewards system.

Their travel credit cards, such as their Venture® cards, offer a surprisingly simple rewards system -- easy redemptions aren’t always the case when it comes to travel rewards. Capital One Venture® “miles” aren’t like frequent flyer miles. Instead of being redeemable on a specific airline, you can redeem them for any qualifying travel purchase, including hotels, taxi rides, and rental cars. You can even redeem your miles for gift cards, or statement credits, although travel redemptions offer the best value.

Your miles will never expire as long as your account is in good standing, and there’s no minimum redemption requirement, which is a big advantage over similar travel rewards programs that require you to redeem a minimum of 2,500 to 10,000 points at a time.

Pro tip

Pay your credit card balances in full each month to harvest the most value from earning credit card rewards. There's no sense in earning rewards at low single-digit rates as interest charges pile up at far higher double-digit rates. Plus, you'll be on the path to increasing your credit score since a solid payment history and low credit utilization are the two most important FICO® Score factors.

How to redeem your Capital One miles

If you have either of the Venture® cards, you’ll be accumulating miles. There are four main ways to redeem your Capital One miles. As described below, they do differ in value. This section helps explain your options and how to get the most out of your Capital One miles.

Good redemption options

Redeem miles for travel purchase credits (value of $0.01 per point) -- The Capital One Travel Eraser allows you to use your miles to “erase” a travel purchase you’ve made in the last 90 days. This includes flights and hotels, regardless of who they were booked with, as well as rental cars, vacation rental websites like Airbnb, cruises, and often transportation, entrance fees, and taxis. For example, let’s say you recently stayed in a hotel and your final bill was $678. You charged it to your Capital One credit card, and you have 50,000 miles in your account. You can apply those 50,000 miles to your $678 hotel charge, and it will be reduced by $500.

Redeem miles for travel reservations (value of $0.01 per point) -- You can also use your points to book travel through the Capital One travel portal, and you’ll receive the same value as you would if you used them to erase travel purchases after the fact. This might not be as lucrative as the first option, though, because you could lose out on some extra rewards.

Redeem miles for gift cards (value of $0.01 per point) -- You can also redeem your miles for gift cards if you’d prefer to use your rewards for shopping rather than travel purchases. There is a range of retailers available with this option, including many places where everyday purchases are made.

Bad redemption options

Redeem miles for cash back (value of $0.005 per point) -- Using this redemption option isn’t really worth it unless you have absolutely no other way to redeem your miles. You can use them to get cash back on purchases you’ve made, however, if it’s not coded as a travel purchase, you’ll get half the value for your points.

Which Capital One credit card is right for you?

It’s important to select a credit card that will maximize your rewards while minimizing your fees. To do that, you’ll need to consider your credit score, spending habits, rewards preferences, and financial goals.

If you have poor or fair credit

You should consider the Capital One Platinum Secured Credit Card or the Capital One® 1% Classic Card.

If you want to maximize your travel rewards

You should consider the Capital One Venture Rewards Credit Card if you travel regularly and the Capital One VentureOne Rewards Credit Card if you only travel a couple times per year or less.

If you want a simple cash back credit card

You should consider the Capital One Quicksilver Cash Rewards Credit Card or the Capital One Spark 2% Cash Plus. If you’re looking for a business credit card

If you spend a lot on dining or entertainment

You should consider the Capital One SavorOne Cash Rewards Credit Card if you’d prefer to avoid an annual fee or the Capital One® Savor® Cash Rewards Credit Card if you think you spend enough to outweigh the annual fee.

In the end, choosing a credit card that’s right for you isn’t just about the rewards. It’s about the fees as well. Rewards can make it tempting to run up a balance you can’t afford to pay off, but given the high APR on all of these credit cards, that’s never worth it.

The Picks
Card Rating Great For
Rating image, 4.50 out of 5 stars.
Great For:

Travel rewards and sign-up bonus

Rating image, 4.50 out of 5 stars.
Great For:

Travel and sign-up bonus

Rating image, 4.50 out of 5 stars.
Great For:

Unlimited cash back and 0% intro APR offer

Rating image, 4.50 out of 5 stars.
Great For:

No annual fee travel card

Rating image, 4.50 out of 5 stars.
Great For:

Dining and entertainment rewards

Rating image, 4.50 out of 5 stars.
Great For:

Dining and groceries

Rating image, 4.50 out of 5 stars.
Great For:

Students

Rating image, 4.50 out of 5 stars.
Great For:

Building credit

Rating image, 4.00 out of 5 stars.
Great For:

Fair credit

Rating image, 4.00 out of 5 stars.
Great For:

Students wanting cash back

Rating image, 4.00 out of 5 stars.
Great For:

Students wanting bonus-category cash back

Rating image, 4.00 out of 5 stars.
Great For:

Secured credit card with rewards

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