Best Capital One Credit Cards

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. Which is why we’ve vetted Capital One's lineup of credit cards to bring you our picks for the best.

Best for: Big travel sign-up bonus and hotels Capital One® Venture® Rewards Credit Card

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4.0 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
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On Capital One's Secure Website

Our Bottom Line

Few travel cards can go toe-to-toe with this offer's lineup, including the sign-up bonus, unlimited rewards, and best-in-class hotel rewards program.

Capital One® Venture® Rewards Credit Card Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Terms and Conditions
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Best for: Travel sign-up bonus and no annual fee Capital One® VentureOne® Rewards Credit Card

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.5 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
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On Capital One's Secure Website

Our Bottom Line

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.

Capital One® VentureOne® Rewards Credit Card Review
Credit Rating Requirement: fair
Highlights
  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
Terms and Conditions
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Best for: Unlimited cash rewards and 0% intro APR offer Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

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4.0 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
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On Capital One's Secure Website

Our Bottom Line

This may be the most versatile and flexible cash-back card on the market. The recent addition of a longer 0% intro APR makes the offer hard to pass up, especially if you're wanting to keep a one-card wallet.

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months Review
Credit Rating Requirement: Good/Excellent
Highlights
  • One-time $150 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
  • 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 for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Terms and Conditions
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Best for: Bad and building credit Capital One® Secured Mastercard®

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3.5 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
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On Capital One's Secure Website

Our Bottom Line

This card includes one of the lowest security deposits we've come across in the secured category, making it a best-in-class pick if you're wanting to build or rebuild credit while reducing out-of-pocket costs.

Capital One® Secured Mastercard® Review
Credit Rating Requirement: Bad/Rebuilding/No History
Highlights
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Terms and Conditions
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Best for: Business cash back Capital One® Spark® Cash for Business

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4.0 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
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On Capital One's Secure Website

Our Bottom Line

2% unlimited cash back for all purchases is among the highest flat rates you'll find, business card or not, making it a good fit if your business spending justifies paying a modest annual fee.

Capital One® Spark® Cash for Business Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Terms and Conditions
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Best for: Business travel miles Capital One® Spark® Miles for Business

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4.0 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
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On Capital One's Secure Website

Our Bottom Line

Earning 2 miles per $1 for all purchases is among the best yield you'll find in the travel category. Add in a big sign-up bonus and no foreign transaction fees and you can see why it's such a popular business card.

Capital One® Spark® Miles for Business Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions
Terms and Conditions
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Best for: Business and average credit Capital One® Spark® Classic for Business

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4.0 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
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On Capital One's Secure Website

Our Bottom Line

Business owners with average credit and lower have limited card options, many of which skimp on perks and charge high rates. This offer brings more value with 1% cash back for all purchases and no annual fee.

Capital One® Spark® Classic for Business Review
Credit Rating Requirement: fair
Highlights
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Terms and Conditions
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Best for: Restaurants and groceries Capital One® SavorOne℠ Cash Rewards Credit Card

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.0 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

On Capital One's Secure Website

Our Bottom Line

While dining and grocery spending will earn premium, unlimited rewards, that's not the only marquee feature. The sign-up bonus, no annual fee, and 0% APR offer can add a ton of value on top of rewards you earn in bonus categories. 

Capital One® SavorOne℠ Cash Rewards Credit Card Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% 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
  • 0% intro APR on purchases for 15 months; 14.74% - 24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74% - 24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
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Best for: Sign up bonus and restaurants Capital One® Savor® Cash Rewards Credit Card

Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
2.5 stars Info icon We want your money to work harder for you. Which is why our card ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Best
Star Review Icon Star Review Icon Star Review Icon Star Review Icon = Excellent
Star Review Icon Star Review Icon Star Review Icon = Good
Star Review Icon Star Review Icon = Fair
Star Review Icon = Poor
Apply Now

On Capital One's Secure Website

Our Bottom Line

A solid contender if you value a big sign-up bonus and can take advantage of the best-in-class cash back for restaurants and entertainment.

Capital One® Savor® Cash Rewards Credit Card Review
Credit Rating Requirement: Good/Excellent
Highlights
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% 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
  • Access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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To recap, here are the best Capital One Credit cards

Card Rating Best For…
Capital One® Venture® Rewards Credit Card Graphic of Capital One® Venture® Rewards Credit Card
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4.0 stars
Best For:

Big travel sign-up bonus and hotels

Capital One® VentureOne® Rewards Credit Card Graphic of Capital One® VentureOne® Rewards Credit Card
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4.5 stars
Best For:

Travel sign-up bonus and no annual fee

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months Graphic of Capital One® Quicksilver® Card - 0% Intro APR for 15 Months
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4.0 stars
Best For:

Unlimited cash rewards and 0% intro APR offer

Capital One® Secured Mastercard® Graphic of Capital One® Secured Mastercard®
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3.5 stars
Best For:

Bad and building credit

Capital One® Spark® Cash for Business Graphic of Capital One® Spark® Cash for Business
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4.0 stars
Best For:

Business cash back

Capital One® Spark® Miles for Business Graphic of Capital One® Spark® Miles for Business
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4.0 stars
Best For:

Business travel miles

Capital One® Spark® Classic for Business Graphic of Capital One® Spark® Classic for Business
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4.0 stars
Best For:

Business and average credit

Capital One® SavorOne℠ Cash Rewards Credit Card Graphic of Capital One® SavorOne℠ Cash Rewards Credit Card
Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon Star Review Icon
4.0 stars
Best For:

Restaurants and groceries

Capital One® Savor® Cash Rewards Credit Card Graphic of Capital One® Savor® Cash Rewards Credit Card
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2.5 stars
Best For:

Sign up bonus and restaurants