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Capital One offers some of our favorite credit cards, with options for businesses, students, travel rewards, rebuilding credit and more. If you’re looking for a specific type of card, there’s a good chance Capital One has a suitable option. Some benefits of choosing Capital One include no foreign transaction fees, flexible redemption options, virtual card numbers and online prequalification.
Below, we’ve compiled a list of the best Capital One credit cards currently available.
Earn 5X miles per dollar on hotel stays, vacation rentals or rental cars booked through Capital One Travel and 2X miles on all other purchases.
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Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart? and Target?), plus 1% back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases when you book through the Capital One Entertainment portal. Earn 5% back on hotels and rental cars booked through Capital One Travel.
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Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare and vacation rentals purchased through the portal, and 2X miles per dollar spent on all other purchases.
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Earn unlimited 1.25X miles on all purchases and 5X miles on hotels and rental cars booked through Capital One Travel.
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Earn 1.5% cash back on all purchases and 5% back on hotels and rental cars booked through the Capital One Travel platform.
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Earn unlimited 1.5% cash back on all purchases and 5% back on hotels and rental cars booked through the Capital One Travel platform.
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Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart? and Target?), plus 1% back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% back on hotels and rental cars booked through Capital One Travel.
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It’s difficult to do better than this card as a student, with high reward rates in very useful categories, no annual fee, and the ability to qualify with fair credit.
Earn unlimited 2% cash back on all purchases.
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For high-spenders, this business card is a solid option, but if you spend a lot in specific categories, another card may offer more value.
Earn 1.5% cash back on all purchases and 5% back on hotels and rental cars booked through the Capital One Travel platform.
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This card doesn’t earn any rewards.
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This card doesn’t earn any rewards.
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Capital One has credit cards for almost everyone. From high-end?travel credit cards?for the frequent traveler to secured credit cards for people looking to rebuild their credit score, you’ll likely find a Capital One card you love.
As for actual requirements to qualify for a Capital One card, there are a few. You must be 18+ years old to become a primary Capital One cardholder. If you’re under 21, they require either proof of independent income or a cosigner. Additionally, applicants must provide a social security number or an Individual Taxpayer Identification Number.
Capital One credit cards are generally considered to be good cards. They’re a reputable credit card issuer with various cards for different purposes, including cards for rebuilding credit,?premium travel cards, student cards and more.
Capital One offers a range of credit cards for consumers with different goals, whether they want to?build their credit?or earn more rewards on everything they buy.
You can use your miles for travel through Capital One, or you can transfer them to other airline and hotel programs. If you’re not planning to travel right now, don’t worry — you can still use your miles. You can redeem them for non-travel perks like statement credits, gift cards, or merchandise.
If your primary goal is to earn money, a cash back rewards card may be the perfect choice. Some cash-back cards offer a flat rate on all purchases, while others provide higher rewards for specific categories.
The rewards offered by?student credit cards?are limited, but they are still worth considering. These Capital One starter credit cards are perfect for those with little to no credit history.?
Capital One business cards?may be a good option for business owners or managers. These cards offer cash back, travel rewards, and bonuses on business-related purchases.
If your credit score is less than ideal, Capital One can help you build or rebuild. These cards typically don’t have high reward-earning potential but they’re a good place to start.
There are several reasons to pick up a Capital One credit card over cards from other card issuers.
Some of the main benefits of choosing Capital One are highlighted below:
When you’re deciding on a new credit card, whether you’re a Capital One loyalist, this is your first time testing them out, or you’re looking to upgrade to something new, there are a few important things to consider.
Depending on what your credit score is, you may have a limited selection of credit cards to choose from. Most of Capital One’s credit cards are for people with good or excellent credit, but they offer?credit cards for bad credit?or fair credit.
Capital One rewards cards fall into two main categories: miles-earning and cash-back cards. For the avid traveler, a miles-earning card like the?Venture Rewards?card can provide immense value. For the everyday spender, a cash-back card like the?SavorOne Rewards?card might be more of what you’re looking for.
Some cards charge annual fees, like the?Capital One Venture X Rewards Credit Card?with its $395 annual fee. For people who can make the most of the benefits these types of cards provide, the yearly price tag may be well worth it. For semi-frequent travelers or people who aren’t big spenders,?a no-annual-fee reward card?may be a better bet.
You can apply for a Capital One card online from your home. Once you find a card you’re interested in, click the “Learn More” button next to the card on this page, then click on the button that says “Apply Now” to begin filling out an online application!
Additionally, Capital One has a “pre-approval” questionnaire on their website which can give you an idea of the likelihood of getting approved for a card when you apply.
The best Capital One credit card depends on the rewards you want to earn, the perks you want access to, and the fees you’re comfortable paying each year. However, our favorite Capital One cards are the Capital One Venture X Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card.
Your redemption options will vary depending on the type of Capital One card you sign up for. For example, their travel credit cards let you redeem for gift cards, merchandise, travel through Capital One or transfers to Capital One airline and hotel partners. However, their cash back credit cards only let you redeem for gift cards, merchandise or statement credits.
Capital One offers both Mastercard and Visa options, but most are Mastercard. Overall, Mastercard and Visa don’t have many differences, and they are both widely accepted in the U.S. and overseas.
Yes! Capital One offers credit cards, auto loans, checking accounts, and savings accounts. You can learn more about Capital One savings accounts in our helpful guide.
It depends. Visa-branded Capital One cards are accepted in-store and online at Costco, and Mastercard-branded Capital One cards are only accepted online and in the Costco app (See what payment methods are accepted at Costco).
No, Capital One cards have no foreign transaction fees, so you can use them freely when traveling in the U.S. and abroad without worrying about pesky fees.
You can have several credit cards from this issuer, with no published limit. We recommend staggering your applications over several months (or years) so you don’t get denied for having too much “new credit.”
We also don’t recommend opening too many credit cards if you’re likely to lose track of them and then forget to pay them off, or if you’re prone to “taking advantage” of your credit and spending more money than you have (leading to debt).
Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.
The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.
Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.
* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.
