Capital One Financial Corporation is one of the largest bank holding companies in the U.S. and specializes in credit cards. It also provides other financial services such as savings accounts, auto loans, home loans, and banking. Capital One issues credit cards dedicated to travel, cash back, students, business, balance transfers and credit building. With around 963 branches and 2,000 ATMs, Capital One offers cardholders a broad network and general convenience.

The practical and uncomplicated approach that Capital One takes to rewards credit cards gives its credit cards a broad appeal and makes them a useful addition to most wallets. Although the rewards programs offered by Capital One don't quite match the flexible programs offered by other major credit card companies (Chase Ultimate Rewards®, ThankYou® from Citi, and U.S. Bank FlexPerks®, to name a few), if you like to earn and redeem rewards quickly and without hassles, you may appreciate the simple approach of Capital One cards.

Many Capital One credit cards don't charge a foreign transaction fee, which means that you won't pay a fee when you use your card to pay in foreign currencies while traveling outside the U.S. Here is our list of the most rewarding Capital One credit cards available right now:

Best Credit Card For High Miles On All Purchases

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Capital One<sup>®</sup> Venture<sup>®</sup> Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • 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.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

N/A

17.24% - 24.49% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn 2X miles on every purchase, every day.
We least like
  • No low introductory APR period.
Excellent, Good

Capital One® Venture® Rewards Credit Card gives you flexible travel rewards that can be redeemed towards any travel purchases you charge to it. Once you spend $3,000 on purchases within 3 months from account opening, you get a one-time bonus of 50,000 miles (worth $500 in travel). You earn 2X miles for every $1 on every purchase you charge to this card, which is one of the highest rates of travel rewards offered by credit cards from major issuers. This card has no foreign transaction fees and a $0 intro annual fee for the first year; $95 after that.

Read our review of Capital One® Venture® Rewards Credit Card here.

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Best Credit Card For High Cash Back On All Purchases

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Capital One<sup>®</sup> Quicksilver<sup>®</sup> Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • 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; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

0% intro on purchases and balance transfers for 15 months

15.49% - 25.49% (Variable)

$0

Why we like it
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
Excellent, Good

Capital One® Quicksilver® Cash Rewards Credit Card lets you earn unlimited 1.5% cash back on every purchase you charge to it. So no matter how much you spend on purchases using this card, you will always earn 1.5% cash back. You get a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening. You will be able to track your progress with the Payment Rewards in-app experience which will show how close you are to earning your next free ride. You even have the option to control when you use your free ride by tapping 'save for later' if you don't want to use it right away.This card has no annual fee and no foreign transaction fees. Benefit from a 0% intro APR on purchases and balance transfers for 15 months (there is a fee of 3% of the amount of each transfer that posts to your account within the first 15 months) with a 15.49% - 25.49% variable APR after that.

Read our full review of Capital One® Quicksilver® Cash Rewards Credit Card here.

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Best Travel Credit Card With No Annual Fee

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Capital One<sup>®</sup> VentureOne<sup>®</sup> Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

  • 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
  • $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
  • 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
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that

0% intro on purchases for 12 months

13.49% - 23.49% (Variable)

$0

Why we like it
  • Earn 1.25X miles on every purchase, every day.
  • 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.
Excellent, Good

Capital One® VentureOne® Rewards Credit Card is a $0 annual fee travel credit card with no foreign transaction fees. You earn unlimited 1.25X miles per dollar on every purchase you make using this card. Enjoy a 20,000 miles bonus after you spend $1,000 on purchases within 3 months from account opening. That 20,000 miles bonus is equal to $200 in travel. This card has a 0% intro APR on purchases for 12 months, followed by a 13.49% - 23.49% variable APR.

Read our full review of Capital One® VentureOne® Rewards Credit Card here.

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Best Cash Back Credit Card For Restaurants, Entertainment & Groceries

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Capital One<sup>®</sup> SavorOne<sup>®</sup> Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

  • 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; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

15.49% - 25.49% (Variable)

$0

Excellent, Good

Capital One® SavorOne® Cash Rewards Credit Card lets you start earning cash back from the very start with a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. This is a great card to have if you spend a lot on eating out and shopping at grocery stores since you can earn unlimited 3% cash back on dining and entertainment, 2% for purchases made at grocery stores and 1% on all your other purchases. This $0 annual fee card also offers a 0% intro APR on purchases and balance transfers for 15 months with a 15.49% - 25.49% variable APR after that, and no foreign transaction fees.

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Best Cash Back Credit Card For Average Credit

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Capital One<sup>®</sup> QuicksilverOne<sup>®</sup> Cash Rewards Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn cash rewards without signing up for rotating categories.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

N/A

26.99% (Variable)

$39

Why we like it
  • Earn cash rewards without signing up for rotating categories.
  • Earn unlimited 1.5% cash back on every purchase, every day.
We least like
  • $39 Annual fee.
Average, Fair, Limited

Capital One® QuicksilverOne® Cash Rewards Credit Card is a MasterCard that you can get even if you only have fair credit. Using it lets you earn unlimited 1.5% cash back on every purchase. One outstanding feature of this card is that it has no balance transfer fee, which means you can transfer your card debt to this card without paying a charge (most cards take a 3% fee for each balance transfer). It has a 26.99% variable APR on purchases and balance transfers. If you make your first 5 monthly payments on time, you can access a higher credit line. Benefits like travel accident insurance, auto rental insurance, price protection (get reimbursed for the price difference if you find a lower price within 60 days after the purchase), and $0 fraud liability help make the $39 annual fee worth it.

Read our full Capital One® QuicksilverOne® Cash Rewards Credit Card review.

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Best Cash Back Credit Card For Students

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Journey<sup>®</sup> Student Rewards from Capital One<sup>®</sup>

Journey® Student Rewards from Capital One®

  • 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

N/A

26.99% (Variable)

$0

Why we like it
  • 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.
We least like
  • No introductory low APR period.
Average, Fair, Limited

Journey® Student Rewards from Capital One® is a cash back credit card for students. You earn 1% cash back on all the purchases you charge to this card. If you pay on time your cash back is boosted to a total of 1.25% for that month. Cash back is unlimited and doesn't expire. You can get access to a higher credit line by making your first 5 monthly payments on time. This card makes it easy for you to make your payments on time because you can pick the payment due date that works best for you. This card has no annual fee and no foreign transaction fees.

Read our review of Journey® Student Rewards from Capital One® here.

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Best Credit Card For Repairing Credit

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Capital One<sup>®</sup> Secured Mastercard<sup>®</sup>

Capital One® Secured Mastercard®

  • 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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • 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

N/A

26.99% (Variable)

$0

Why we like it
  • No annual fee, and all the credit building benefits with responsible card use.
Limited, Bad

Capital One® Secured Mastercard® is one of the few secured credit card that has no annual fee. Your credit behavior is reported to all 3 major credit bureaus, so if you make your credit card payments on time you can build your credit. Depending on your creditworthiness, you will pay a refundable deposit of $49, $99 or $200, and that minimum deposit will get you a $200 credit line. If you deposit more than your minimum required security deposit before opening your account you can get a higher initial credit line of up to $1,000. Unlike some debit and prepaid solutions, this credit card can be used at any merchant or ATM which accepts MasterCard (there are millions worldwide). A mobile app, inline access to your account and a phone service help you manage your account at any time. This card has a 26.99% variable APR which you can avoid by making your payments in full by the due date. Your due date for purchases is at least 25 days after each billing cycle closes.

Read our Capital One® Secured Mastercard® review here.

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Business Credit Cards

Capital One issues a range of business credit cards that can bring useful perks to your business. All Spark credit cards offer employee cards at no additional cost, easily expense tracking, quarterly and year-end summaries, custom spending reports and downloadable purchase records in multiple formats (Quicken®, QuickBooksTM and Excel® included) for easy accounting. A major perk of Spark credit cards is that they offer $0 fraud liability if your card is lost or stolen. Most business credit cards do not come with that protection.

Best Flexible Travel Credit Card For Business

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Capital One<sup>®</sup> Spark<sup>®</sup> Miles for Business

Capital One® Spark® Miles for Business

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

N/A

18.49% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Excellent, Good

Capital One® Spark® Miles for Business comes with a welcome bonus offer of 50,000 miles after you spend $4,500 on purchases within 3 months from account opening. Every $1 charged to this card earns unlimited 2 miles, so using this card for your business purchases helps you earn miles towards travel. There are no limits on how many miles you can earn, and miles do not expire. You can redeem your miles towards any travel purchases you make with this card. An auto rental collision damage waiver, extended protection for purchases, and purchase security are just some of the benefits you get when you use this card to pay. $0 intro annual fee for the first year, $95 after that.

Read our review of Capital One® Spark® Miles for Business here.

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Best Business Cash Back Credit Card

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Capital One<sup>®</sup> Spark<sup>®</sup> Cash for Business

Capital One® Spark® Cash for Business

  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

N/A

18.49% (Variable)

$0 intro for first year; $95 after that

Why we like it
  • Earn unlimited 2% cash back for your business on every purchase, everywhere.
Excellent, Good

Capital One® Spark® Cash for Business is a business credit card for a flat cash back rate on all purchases. All purchases charged to this card earn 2% cash back! No changing categories or limits on how much cash back you can earn. Earn a one-time $500 cash bonus after you spend $4,500 on purchases within 3 months from account opening. You can set up automatic cash back redemption, or redeem cash back when you choose for any amount. No foreign transaction fees. This card has a $0 intro annual fee for the first year, $95 after that.

Read our Capital One® Spark® Cash for Business review here.

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Best Business Cash Back Card With No Annual Fee

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Capital One<sup>®</sup> Spark<sup>®</sup> Cash Select for Business

Capital One® Spark® Cash Select for Business

  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • $0 Fraud Liability if your card is lost or stolen
  • No foreign transaction fees

0% on purchases for 9 months

14.49% - 22.49% (Variable)

$0

Why we like it
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Excellent, Good

Capital One® Spark® Cash Select for Business has a $0 annual fee and lets you earn unlimited 1.5% cash back on every purchase you charge to it, every day. You get a one-time $200 cash bonus after spending $3,000 on purchases within 3 months from account opening. This card has a 0% intro APR on purchases for 9 months, which is a nice plus if you need capital to make purchases which you can pay off interest free before the intro APR period ends. After the intro period, the standard 14.49% - 22.49% variable APR applies. This card has no foreign transaction fees.

Read our review of Capital One® Spark® Cash Select for Business here.

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Best Business Travel Credit Card With No Annual Fee

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Capital One<sup>®</sup> Spark<sup>®</sup> Miles Select for Business

Capital One® Spark® Miles Select for Business

  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Free employee cards which also earn unlimited 1.5X miles from their purchases

0% intro on purchases for 9 months

14.49% - 22.49% (Variable)

$0

Why we like it
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Excellent, Good

Capital One® Spark® Miles Select for Business is a no annual fee credit card that lets you earn flexible travel rewards which you can redeem towards any travel purchases you charge to it. Every $1 of purchases you charge to this card earns 1.5 miles. Plus, you get a 20,000 miles one-time bonus after you spend $3,000 or more on purchases within 3 months from account opening. This card has a 0% intro APR on purchases for 9 months with a 14.49% - 22.49% variable APR after that. Use this Visa card around the world, and pay no foreign transaction fees.

Read our full review of Capital One® Spark® Miles Select for Business here.

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Best Business Cash Back Credit Card For Average Credit

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Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business

Capital One® Spark® Classic for Business

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

24.49% (Variable)

$0

Why we like it
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Average, Fair, Limited

Capital One® Spark® Classic for Business is a credit card for average credit holders, which you can use to earn 1% cash back on every purchase. Using this card responsibly helps you build business credit, and you enjoy all of the business benefits offered by Spark, like year-end summaries, complimentary employee cards, experienced small business customer service and more. This card has no foreign transaction fees and a $0 annual fee. The only downside is the relatively high 24.49% variable APR, which you will want to avoid by making your payments by the due date every month.

Read our full Capital One® Spark® Classic for Business review.

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