Best Capital One Credit Cards

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Updated: 1 month ago

Capital One offers a variety of bank credit cards for a variety of consumers and lifestyles. From premium travel cards and lucrative dining rewards cards to specific cards for students and small businesses, and even to secured cards for those just building credit, the range of options can make it overwhelming to choose the best Capital One credit card.

Best Capital One Credit Card Offers of August 2019

Fortunately, we’ve done the research already, and can help with finding the ideal card for your situation. To start, you’ll want to think about a few factors:

  1. What type of card do you need? — More so than other bank credit cards, Capital One offers different cards depending on where consumers are in their lives. There are cards designed for those starting out with credit, or needing to repair their credit scores, student cards, small business cards, and then multiple general rewards cards.
  2. Cash back or travel rewards? — Depending on which card you choose, you can either earn cash back in the form of a statement credit, or points that can be used towards travel (either as a credit on your statement, or directly with airlines, which we’ll get into below).
  3. Is a higher annual fee worth it? — In many cases, Capital One essentially has two “versions” of a card. One will have no annual fee, and a solid reward structure. The other will have a moderate annual fee (Capital One has reasonable annual fees across the board), but will offer a higher return on your spending. A great example is with the Savor products, which offer an excellent bonus on dining and other purchases. The no-annual-fee SavorOne gives 3% back on dining, while the Savor has an annual fee, but gives 4% back on dining.

With that background in mind, here are the best Capital One credit card offers available today:

Enjoy a one-time bonus of 20,000 miles

Capital One® VentureOne® Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

Capital One points are most useful for domestic economy flights, particularly if you have to travel over peak dates, but the new airline transfer option means these miles can be great for international travel as well.

Current Offer
20,000 Miles once you spend $1,000 on purchases within 3 months from account opening

Card Details

  • $0 annual fee and no foreign transaction fees
  • Earn a 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
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
on Capital One's secure site
3% Cash Back On Dining & Entertainment

Capital One® SavorOne℠ Cash Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This card has a great return for a cash-back card with no annual fee.

Current Offer
$150 Cash Back after you spend $500 on purchases within 3 months from account opening

Card Details

  • 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; 16.24% - 26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
on Capital One's secure site
Earn 1% cash back on all your purchases

Journey® Student Rewards from Capital One®

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This card is designed for students, and encourages good habits and responsible credit use.

Current 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

Card Details

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
on Capital One's secure site
One-time $150 cash bonus

Capital One® Quicksilver® Cash Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

A cash-back card can be a good way to cut costs in other areas, saving money for travel!

Current Offer
$150 Cash Back after you spend $500 on purchases within 3 months from account opening

Card Details

  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
on Capital One's secure site
Strengthen your credit for the future with responsible card use

Capital One® Platinum Credit Card

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This card can be a good option for people looking to build their credit over time.

Current Offer
Pay no annual fee; Get access to a higher credit line after making your first 5 monthly payments on time; Fraud coverage if your card is lost or stolen

Card Details
Use online banking to access your account, even from your smartphone, with our mobile app; Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you; Get access to your account 24 hours a day, 7 days a week; Help strengthen your credit for the future with responsible card use

on Capital One's secure site
Earn $500 cash back

Capital One® Spark® Cash for Business

Foreign Transaction Fee: None
Annual Fee: $0 intro for first year; $95 after that
on Capital One's secure site
Why we like this card

A cash-back card can be a good way to cut costs in other areas, saving money for travel!

Current Offer
$500 Cash Back once you spend $4,500 on purchases within 3 months from account opening

Card Details
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Use Spark Cash across all your business spend, with no categories to limit your purchasing. Rewards won't expire for the life of the account, and you can redeem your cash back for any amount.

on Capital One's secure site
Earn a one-time $200 cash bonus

Capital One® Spark® Cash Select for Business

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

A cash-back card can be a good way to cut costs in other areas, saving money for travel!

Current Offer
Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business. Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

Card Details
Use Spark Cash Select across all your business spend, with no categories to limit your purchasing; 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

on Capital One's secure site
Earn unlimited 1.5% cash back on every purchase, every day

Capital One® QuicksilverOne® Cash Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $39
on Capital One's secure site
Why we like this card

A cash-back card can be a good way to cut costs in other areas, saving money for travel!

Current Offer
Earn unlimited 1.5% cash back on every purchase, every day

Card Details
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; Get access to a higher credit line after making your first 5 monthly payments on time; Fraud coverage if your card is ever lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app; Help strengthen your credit for the future with responsible card use

on Capital One's secure site
One-time bonus of 20,000 miles

Capital One® Spark® Miles Select for Business

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

Capital One points are most useful for domestic economy flights, particularly if you have to travel over peak dates.

Current Offer
Earn 1.5 miles per $1 on every purchase. Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.

Card Details
Miles won't expire for the life of the account, and there are no categories to limit where or what you buy; Pay no annual fee or foreign transaction fees; Get online Quarterly and Year-End Summaries; There's no limit to the amount of miles you can earn; Fly on any airline, anytime, with no blackout dates or seat restrictions

on Capital One's secure site
Earn 1% cash back on every purchase, every day

Capital One® Spark® Classic for Business

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

This is a great starter card for small businesses, with no annual or foreign transaction fees.

Current Offer
Earn 1% cash back on every purchase

Card Details
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

on Capital One's secure site
Build credit when used responsibly

Capital One® Secured Mastercard®

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

If you're just starting out, or have limited credit, this is a good product for responsibly building your credit.

Current Offer

  • 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
  • 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
on Capital One's secure site

Best Capital One Credit Card for Travel Rewards

Capital One credit cards come in two varieties — those offering cash-back rewards, and those offering travel rewards. Historically there wasn’t much distinction between the two categories, as while they were marketed differently, the points ultimately functioned in the same way.

Cash Back vs. Purchase Eraser

While the Capital One cash-back cards offer a statement credit as a way of cashing out your rewards, while the Capital One travel rewards cards let you “erase” purchases, by choosing certain travel-related transactions to receive a rebate on.

In both cases, 1 Capital One point (or mile) gives 1¢ in credit, and the net result is receiving a reduction in the amount you’ll owe on your credit card bill.

Capital One recently introduced a new benefit to their travel rewards cards, allowing those with certain credit cards to transfer their points directly to airline miles. You can still use the Purchase Eraser option, but can also convert Capital One miles to over a dozen loyalty programs.

Being able to transfer points to airlines opens up a ton of aspirational redemptions, and makes Capital One miles much more valuable. Since you can still use your points for a statement credit via Purchase Eraser, if you think you’ll ever want to use points for travel, you should choose a travel rewards card instead of a cash-back card. Here are the best Capital One credit cards for travel available today:

Enjoy a one-time bonus of 20,000 miles

Capital One® VentureOne® Rewards Credit Card

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

Capital One points are most useful for domestic economy flights, particularly if you have to travel over peak dates, but the new airline transfer option means these miles can be great for international travel as well.

Current Offer
20,000 Miles once you spend $1,000 on purchases within 3 months from account opening

Card Details

  • $0 annual fee and no foreign transaction fees
  • Earn a 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
  • Earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 14.24% - 24.24% variable APR after that
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
on Capital One's secure site
One-time bonus of 20,000 miles

Capital One® Spark® Miles Select for Business

Foreign Transaction Fee: None
Annual Fee: $0
on Capital One's secure site
Why we like this card

Capital One points are most useful for domestic economy flights, particularly if you have to travel over peak dates.

Current Offer
Earn 1.5 miles per $1 on every purchase. Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening.

Card Details
Miles won't expire for the life of the account, and there are no categories to limit where or what you buy; Pay no annual fee or foreign transaction fees; Get online Quarterly and Year-End Summaries; There's no limit to the amount of miles you can earn; Fly on any airline, anytime, with no blackout dates or seat restrictions

on Capital One's secure site

Capital One has really stepped up their game recently, adding more premium benefits to their travel cards and improving their website and customer portal. With the addition of the mileage transfer benefit, the Venture and Spark Miles are among the best credit cards for earning airline miles, but with so many cards to choose from there’s truly a Capital One card designed for every lifestyle.

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