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December 9, 2021
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Our top pick for the best Capital One credit card is the Capital One SavorOne Cash Rewards Credit Card. It offers a generous cash back program, an intro APR on purchases for more than a year, plus an easy-to-earn sign-up bonus, all for a $0 annual fee.
Capital One is one of the major credit card issuers on the market today. Odds are you’ve seen the TV commercials featuring celebrities like Samuel L. Jackson or Jennifer Garner asking, “what’s in your wallet?” and it sparked your curiosity. If you’re curious about the types of cards Capital One offers, there are many options from which to choose. Capital One issues cash back cards, travel rewards cards and cards designed to help you build credit, as well as some popular small business credit cards.
Based on our research of cards available through LendingTree, as well as top cards offered by Capital One, we’ve put together a list of the best Capital One cards for a variety of needs.
The Capital One SavorOne Cash Rewards Credit Card comes with a very inclusive cash back program. Cardholders earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
There’s a sign-up bonus offering excellent value for a relatively low spending requirement: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
The Capital One SavorOne Cash Rewards Credit Card also comes with a 0% intro on purchases for 15 months, after which a 17.99% - 27.99% (variable) APR applies. If you need to do a balance transfer, the card offers an APR of 0% intro on balance transfers for 15 months too. After, a 17.99% - 27.99% (variable) APR applies.
There’s a balance transfer fee of 3%. The annual fee is $0 and the foreign transaction fee is none.
Foodies will love the Capital One SavorOne Cash Rewards Credit Card‘s rewards on dining and grocery store shopping, while anyone who enjoys kicking back with a good TV show or going to the movie theater will appreciate its rewards on streaming and entertainment. The streaming category includes purchases from eligible music and video streaming services, including Netflix, Hulu and Disney+. Be aware some services are excluded, such as Prime Video. The entertainment category includes ticket purchases at the following venues:
The Capital One SavorOne Cash Rewards Credit Card comes with a very inclusive cash back program. Cardholders earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
There’s a sign-up bonus offering excellent value for a relatively low spending requirement: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
The Capital One SavorOne Cash Rewards Credit Card also comes with a 0% intro on purchases for 15 months, after which a 17.99% - 27.99% (variable) APR applies. If you need to do a balance transfer, the card offers an APR of 0% intro on balance transfers for 15 months too. After, a 17.99% - 27.99% (variable) APR applies.
There’s a balance transfer fee of 3%. The annual fee is $0 and the foreign transaction fee is none.
Foodies will love the Capital One SavorOne Cash Rewards Credit Card‘s rewards on dining and grocery store shopping, while anyone who enjoys kicking back with a good TV show or going to the movie theater will appreciate its rewards on streaming and entertainment. The streaming category includes purchases from eligible music and video streaming services, including Netflix, Hulu and Disney+. Be aware some services are excluded, such as Prime Video. The entertainment category includes ticket purchases at the following venues:
With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
You can also earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, which is a solid sign-up bonus with a relatively low spend requirement.
If you’re planning a big purchase, take note that there’s a 0% intro on purchases for 15 months, after which a 17.99% - 27.99% (variable) APR applies. And there’s an APR of 0% intro on balance transfers for 15 months too. After, a 17.99% - 27.99% (variable) APR applies.
The balance transfer fee is 3%, the annual fee is $0 and the foreign transaction fee is none.
The Capital One Quicksilver Cash Rewards Credit Card is geared toward consumers with Excellent/Good credit. There are three other Quicksilver cards, however, aimed for consumers with less-than-stellar credit scores: the Capital One Quicksilver Cash Rewards for Good Credit, the Capital One Quicksilver Student Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card.
If you don’t like dealing with rotating rewards categories that require activation or higher rewards on some purchases and lower rewards on others, you’ll appreciate the simplicity of the Capital One Quicksilver Cash Rewards Credit Card. You’ll earn the same flat cash back rate on every purchase.
You can redeem your cash back as follows:
With the Capital One Quicksilver Cash Rewards Credit Card, you’ll earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
You can also earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, which is a solid sign-up bonus with a relatively low spend requirement.
If you’re planning a big purchase, take note that there’s a 0% intro on purchases for 15 months, after which a 17.99% - 27.99% (variable) APR applies. And there’s an APR of 0% intro on balance transfers for 15 months too. After, a 17.99% - 27.99% (variable) APR applies.
The balance transfer fee is 3%, the annual fee is $0 and the foreign transaction fee is none.
The Capital One Quicksilver Cash Rewards Credit Card is geared toward consumers with Excellent/Good credit. There are three other Quicksilver cards, however, aimed for consumers with less-than-stellar credit scores: the Capital One Quicksilver Cash Rewards for Good Credit, the Capital One Quicksilver Student Cash Rewards Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card.
If you don’t like dealing with rotating rewards categories that require activation or higher rewards on some purchases and lower rewards on others, you’ll appreciate the simplicity of the Capital One Quicksilver Cash Rewards Credit Card. You’ll earn the same flat cash back rate on every purchase.
You can redeem your cash back as follows:
Cardholders using this travel rewards card earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023.
Plus, 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. While that bonus offers good value, it comes with a higher spend requirement than some of the cards on this list.
While the foreign transaction fee is none, there is a $95 annual fee. The APR is 18.99% - 26.99% (variable).
If you don’t like worrying about rewards categories and prefer just to earn miles at a flat rate, you’ll love the Capital One Venture Rewards Credit Card. Plus, Capital One offers more than 15 airline and hotel partners you can transfer your miles to — your transfer rate will be 1:1, 2:1.5, or 2:1 depending on the specific partner.
There’s also a credit of up to $100 available every four years for Global Entry or TSA PreCheck®.
Be aware that the Capital One Venture Rewards Credit Card charges a $95 annual fee. Keeping in mind the card’s flat rewards rate of 2 miles per $1 spent, if you value each mile as worth 1 cent, you’ll recoup the amount of the annual fee after spending $4,750.
Cardholders using this travel rewards card earn 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023.
Plus, 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. While that bonus offers good value, it comes with a higher spend requirement than some of the cards on this list.
While the foreign transaction fee is none, there is a $95 annual fee. The APR is 18.99% - 26.99% (variable).
If you don’t like worrying about rewards categories and prefer just to earn miles at a flat rate, you’ll love the Capital One Venture Rewards Credit Card. Plus, Capital One offers more than 15 airline and hotel partners you can transfer your miles to — your transfer rate will be 1:1, 2:1.5, or 2:1 depending on the specific partner.
There’s also a credit of up to $100 available every four years for Global Entry or TSA PreCheck®.
Be aware that the Capital One Venture Rewards Credit Card charges a $95 annual fee. Keeping in mind the card’s flat rewards rate of 2 miles per $1 spent, if you value each mile as worth 1 cent, you’ll recoup the amount of the annual fee after spending $4,750.
Earn 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel when paying with this card.
You can also earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. That’s a solid value with a relatively low spending requirement.
The card offers a 0% intro on purchases for 15 months, which is solid but not exceptional. After, a 17.99% - 27.99% (variable) APR applies. For balance transfers, there’s an APR of 0% intro on balance transfers for 15 months, after which a 17.99% - 27.99% (variable) APR applies.
At 3%, the balance transfer fee is reasonable. The annual fee is $0 and the foreign transaction fee is none.
If you like the flexibility the Capital One Venture Rewards Credit Card offers in regards to redeeming miles but you don’t travel frequently enough to justify paying an annual fee, the Capital One VentureOne Rewards Credit Card might be a better fit for your wallet. The Capital One VentureOne Rewards Credit Card allows you to transfer miles to the same travel partners as its big sibling, but charges a $0 annual fee.
Earn 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel when paying with this card.
You can also earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. That’s a solid value with a relatively low spending requirement.
The card offers a 0% intro on purchases for 15 months, which is solid but not exceptional. After, a 17.99% - 27.99% (variable) APR applies. For balance transfers, there’s an APR of 0% intro on balance transfers for 15 months, after which a 17.99% - 27.99% (variable) APR applies.
At 3%, the balance transfer fee is reasonable. The annual fee is $0 and the foreign transaction fee is none.
If you like the flexibility the Capital One Venture Rewards Credit Card offers in regards to redeeming miles but you don’t travel frequently enough to justify paying an annual fee, the Capital One VentureOne Rewards Credit Card might be a better fit for your wallet. The Capital One VentureOne Rewards Credit Card allows you to transfer miles to the same travel partners as its big sibling, but charges a $0 annual fee.
For ongoing rewards with the Capital One Savor Cash Rewards Credit Card, you’ll earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
And for the sign-up bonus, earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening . That’s a decent value but not exceptional, given the high spend target.
The foreign transaction fee is 0%, but there is an annual fee of $95. The APR is 18.99%, 23.99% or 26.99% (variable).
If you spend enough on dining and entertainment that you don’t think the Capital One SavorOne Cash Rewards Credit Card‘s cash back rate is high enough, consider that card’s big sibling — the Capital One Savor Cash Rewards Credit Card. After spending $2,375 on purchases that earn 4% back, you’ll recoup the amount of the $95 annual fee.
For ongoing rewards with the Capital One Savor Cash Rewards Credit Card, you’ll earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
And for the sign-up bonus, earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening . That’s a decent value but not exceptional, given the high spend target.
The foreign transaction fee is 0%, but there is an annual fee of $95. The APR is 18.99%, 23.99% or 26.99% (variable).
If you spend enough on dining and entertainment that you don’t think the Capital One SavorOne Cash Rewards Credit Card‘s cash back rate is high enough, consider that card’s big sibling — the Capital One Savor Cash Rewards Credit Card. After spending $2,375 on purchases that earn 4% back, you’ll recoup the amount of the $95 annual fee.
The Capital One SavorOne Student Cash Rewards Credit Card is available to applicants with fair/limited credit and earns 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
The annual fee is $0, which is perfect for college students on a budget. But be aware the APR is quite high at 17.99% - 27.99% (variable), so pay off your card in full each month to avoid interest charges.
While some student cards offer lackluster rewards, the Capital One SavorOne Student Cash Rewards Credit Card comes with a stellar cash back program. Plus, since Capital One reports activity to the credit bureaus, this card is a useful tool for establishing credit history in college — which can set you up for success in the future when you want to take financial steps such as applying for an auto loan or taking out a mortgage.
The Capital One SavorOne Student Cash Rewards Credit Card is available to applicants with fair/limited credit and earns 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
The annual fee is $0, which is perfect for college students on a budget. But be aware the APR is quite high at 17.99% - 27.99% (variable), so pay off your card in full each month to avoid interest charges.
While some student cards offer lackluster rewards, the Capital One SavorOne Student Cash Rewards Credit Card comes with a stellar cash back program. Plus, since Capital One reports activity to the credit bureaus, this card is a useful tool for establishing credit history in college — which can set you up for success in the future when you want to take financial steps such as applying for an auto loan or taking out a mortgage.
The Capital One Platinum Credit Card doesn’t offer rewards or a sign-up bonus, unlike many of the cards on this list. However, it’s available to applicants with fair/limited credit and charges a $0 annual fee.
At 28.49% (variable), the APR is steep, but pay your balance in full each month and you can avoid interest.
The Capital One Platinum Credit Card‘s foreign transaction fee is none.
If you’re looking for a first credit card, the Capital One Platinum Credit Card is an excellent no-frills choice. Keep your balance low, always pay on time, and you’ll build credit as Capital One reports your activity to the three major consumer credit bureaus (Equifax, Experian and TransUnion).
Plus, in time, you can request a product change to a Capital One credit card that offers rewards, such as the Capital One Quicksilver Cash Rewards Credit Card or the Capital One VentureOne Rewards Credit Card.
The Capital One Platinum Credit Card doesn’t offer rewards or a sign-up bonus, unlike many of the cards on this list. However, it’s available to applicants with fair/limited credit and charges a $0 annual fee.
At 28.49% (variable), the APR is steep, but pay your balance in full each month and you can avoid interest.
The Capital One Platinum Credit Card‘s foreign transaction fee is none.
If you’re looking for a first credit card, the Capital One Platinum Credit Card is an excellent no-frills choice. Keep your balance low, always pay on time, and you’ll build credit as Capital One reports your activity to the three major consumer credit bureaus (Equifax, Experian and TransUnion).
Plus, in time, you can request a product change to a Capital One credit card that offers rewards, such as the Capital One Quicksilver Cash Rewards Credit Card or the Capital One VentureOne Rewards Credit Card.
The Capital One QuicksilverOne Cash Rewards Credit Card earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) and is available to applicants with fair/limited credit. There’s no sign-up bonus with this card.
You’ll pay an annual fee of $39 to carry the Capital One QuicksilverOne Cash Rewards Credit Card, but that amount can be recouped in cash back if you spend $2,600 a year on general purchases.
The APR is high at 28.49% (variable), but that’s not unusual for cards aimed at applicants in this credit bracket. Pay your card off in full each month and you can avoid incurring interest charges.
You can use the card abroad without worrying about a foreign transaction fee because there is none.
This card is best for those with fair credit (a FICO® Score between 580 and 669) who are working to improve their credit score. The $39 annual fee is reasonable, and as long as you pay the card on time every month and don’t max it out, it can help you improve your credit standing.
The Capital One QuicksilverOne Cash Rewards Credit Card earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) and is available to applicants with fair/limited credit. There’s no sign-up bonus with this card.
You’ll pay an annual fee of $39 to carry the Capital One QuicksilverOne Cash Rewards Credit Card, but that amount can be recouped in cash back if you spend $2,600 a year on general purchases.
The APR is high at 28.49% (variable), but that’s not unusual for cards aimed at applicants in this credit bracket. Pay your card off in full each month and you can avoid incurring interest charges.
You can use the card abroad without worrying about a foreign transaction fee because there is none.
This card is best for those with fair credit (a FICO® Score between 580 and 669) who are working to improve their credit score. The $39 annual fee is reasonable, and as long as you pay the card on time every month and don’t max it out, it can help you improve your credit standing.
The Capital One Platinum Secured Credit Card is another card without rewards or a sign-up bonus. However, it’s accessible to applicants with poor/limited credit and charges a $0 annual fee.
Because this is a secured credit card, you must submit a security deposit which ranges from $49 to $200. You can get your deposit back if you pay the card off in full and close your account or if Capital One graduates you to an unsecured card.
Make sure to pay off your balance in full each month, because this card’s APR is a high 28.49% (variable).
If you need to rebuild your credit, the Capital One Platinum Secured Credit Card is an excellent financial tool. It reports account and payment activity to all three credit bureaus, so as long as you’re keeping your utilization (how much of your credit limit you’re using, essentially) low and always paying on time, the Capital One Platinum Secured Credit Card can help you boost a sagging credit score.
Where this card stands out is its unique security deposit structure. While most secured cards require you to submit a security deposit in the amount of your desired credit limit, if you’re approved for the Capital One Platinum Secured Credit Card, Capital One will set your minimum deposit at $49, $99, or $200. Whatever your minimum deposit is set at, you’ll get a starting credit limit of $200. This has the potential to save you money if you can’t afford to put up a $200 deposit (though the lower deposits aren’t guaranteed).
The Capital One Platinum Secured Credit Card is another card without rewards or a sign-up bonus. However, it’s accessible to applicants with poor/limited credit and charges a $0 annual fee.
Because this is a secured credit card, you must submit a security deposit which ranges from $49 to $200. You can get your deposit back if you pay the card off in full and close your account or if Capital One graduates you to an unsecured card.
Make sure to pay off your balance in full each month, because this card’s APR is a high 28.49% (variable).
If you need to rebuild your credit, the Capital One Platinum Secured Credit Card is an excellent financial tool. It reports account and payment activity to all three credit bureaus, so as long as you’re keeping your utilization (how much of your credit limit you’re using, essentially) low and always paying on time, the Capital One Platinum Secured Credit Card can help you boost a sagging credit score.
Where this card stands out is its unique security deposit structure. While most secured cards require you to submit a security deposit in the amount of your desired credit limit, if you’re approved for the Capital One Platinum Secured Credit Card, Capital One will set your minimum deposit at $49, $99, or $200. Whatever your minimum deposit is set at, you’ll get a starting credit limit of $200. This has the potential to save you money if you can’t afford to put up a $200 deposit (though the lower deposits aren’t guaranteed).
Earn 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations, at restaurants and on travel. 1% back everywhere else Mastercard® is accepted
Plus, the Capital One® Walmart Rewards® Card offers a unique sign-up bonus: 5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay
Don’t worry about an annual fee because it is $0. The APR is 17.99%, 23.24% or 26.99% variable.
The Capital One® Walmart Rewards® Card is ideal for someone who does much of their shopping at Walmart.com and in the Walmart app. The cash back rewards for such purchases are generous.
However, note that after the sign-up bonus period ends, your earning rate on purchases made in physical Walmart stores will decrease. For that reason, use Walmart’s online shopping options as much as possible.
Earn 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations, at restaurants and on travel. 1% back everywhere else Mastercard® is accepted
Plus, the Capital One® Walmart Rewards® Card offers a unique sign-up bonus: 5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay
Don’t worry about an annual fee because it is $0. The APR is 17.99%, 23.24% or 26.99% variable.
The Capital One® Walmart Rewards® Card is ideal for someone who does much of their shopping at Walmart.com and in the Walmart app. The cash back rewards for such purchases are generous.
However, note that after the sign-up bonus period ends, your earning rate on purchases made in physical Walmart stores will decrease. For that reason, use Walmart’s online shopping options as much as possible.
With the Capital One Spark Cash Plus, cardholders earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.
The sign-up bonus has the potential to offer excellent value, but your business must meet two high spending targets: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
You also have the chance to earn a $200 cash bonus every year you spend $200,000 or more on the card.
The Capital One Spark Cash Plus comes with a $150 annual fee. Because this is a charge card, you must pay your balance in full every month. If you don’t, you’ll be charged a 2.99% monthly late fee.
And, because this is a charge card, you get a flexible spending limit rather than a set credit limit like with traditional credit cards. This could be handy if you frequently need to make big purchases.
Because of its $150 annual fee, the Capital One Spark Cash Plus is best for businesses with a large enough cash flow to justify paying that amount. If you run a small operation, such as selling the occasional handcrafted item on Etsy, this probably isn’t the small business card for you.
On the other hand, if you find yourself frequently having to make large enough purchases, then you’ll appreciate this charge card’s flexible spending limit and flat-rate cash back program.
Be aware that a flexible spending limit doesn’t mean you have unlimited spending power on the card. Rather, what you can spend will adapt based on a variety of factors, such as purchase and payment history.
With the Capital One Spark Cash Plus, cardholders earn 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel.
The sign-up bonus has the potential to offer excellent value, but your business must meet two high spending targets: Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.
You also have the chance to earn a $200 cash bonus every year you spend $200,000 or more on the card.
The Capital One Spark Cash Plus comes with a $150 annual fee. Because this is a charge card, you must pay your balance in full every month. If you don’t, you’ll be charged a 2.99% monthly late fee.
And, because this is a charge card, you get a flexible spending limit rather than a set credit limit like with traditional credit cards. This could be handy if you frequently need to make big purchases.
Because of its $150 annual fee, the Capital One Spark Cash Plus is best for businesses with a large enough cash flow to justify paying that amount. If you run a small operation, such as selling the occasional handcrafted item on Etsy, this probably isn’t the small business card for you.
On the other hand, if you find yourself frequently having to make large enough purchases, then you’ll appreciate this charge card’s flexible spending limit and flat-rate cash back program.
Be aware that a flexible spending limit doesn’t mean you have unlimited spending power on the card. Rather, what you can spend will adapt based on a variety of factors, such as purchase and payment history.
Earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel with the Capital One Spark Cash Select - $500 Cash Bonus.
Plus, earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening. That could be hard for some smaller volume businesses, since it will take $1,500 per month to hit the target.
The annual fee is $0, the foreign transaction fee is none, and the APR is 16.24% - 22.24% (variable).
If you’re looking for a small business credit card with no annual fee, a solid flat-rate cash back program, and a decent sign-up bonus, the Capital One Spark Cash Select - $500 Cash Bonus might be just what you need.
It doesn’t earn as much cash back as the Capital One Spark Cash Plus, but because the Capital One Spark Cash Select - $500 Cash Bonus has a $0 annual fee, businesses with a smaller cash flow could actually net more cash back with this card than they would with the Capital One Spark Cash Plus with its $150 annual fee.
Earn 1.5% cash back on every purchase; 5% cash back on hotels and rental cars booked through capital one travel with the Capital One Spark Cash Select - $500 Cash Bonus.
Plus, earn $500 cash back once you spend $4,500 on purchases within the first 3 months from account opening. That could be hard for some smaller volume businesses, since it will take $1,500 per month to hit the target.
The annual fee is $0, the foreign transaction fee is none, and the APR is 16.24% - 22.24% (variable).
If you’re looking for a small business credit card with no annual fee, a solid flat-rate cash back program, and a decent sign-up bonus, the Capital One Spark Cash Select - $500 Cash Bonus might be just what you need.
It doesn’t earn as much cash back as the Capital One Spark Cash Plus, but because the Capital One Spark Cash Select - $500 Cash Bonus has a $0 annual fee, businesses with a smaller cash flow could actually net more cash back with this card than they would with the Capital One Spark Cash Plus with its $150 annual fee.
Earn 2 miles per $1 on every purchase, everywhere with the Capital One Spark Miles for Business.
Plus, 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. That’s a fairly reasonable spending requirement, which will necessitate putting $1,500 in purchases on the card each month.
Be aware the Capital One Spark Miles for Business charges an annual fee of $0 intro for first year; $95 after that. The foreign transaction fee is none and the APR is 23.99% (variable).
The Capital One Spark Miles for Business is ideal for business owners who travel frequently. It allows you to transfer miles to the same travel partners that the Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card offer. Plus, there’s a credit of up to $100 every four years if you pay the application fee for Global Entry or TSA PreCheck on this card.
Earn 2 miles per $1 on every purchase, everywhere with the Capital One Spark Miles for Business.
Plus, 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. That’s a fairly reasonable spending requirement, which will necessitate putting $1,500 in purchases on the card each month.
Be aware the Capital One Spark Miles for Business charges an annual fee of $0 intro for first year; $95 after that. The foreign transaction fee is none and the APR is 23.99% (variable).
The Capital One Spark Miles for Business is ideal for business owners who travel frequently. It allows you to transfer miles to the same travel partners that the Capital One Venture Rewards Credit Card and Capital One VentureOne Rewards Credit Card offer. Plus, there’s a credit of up to $100 every four years if you pay the application fee for Global Entry or TSA PreCheck on this card.
The Spark Travel Elite credit card is only available to clients of Capital One Relationship Managers at present.
The sign-up bonus is generous; you get 50,000 miles once you spend $10,000 in the first 3 months and 200,000 miles once you spend $50,000 in the first 6 months. The card also offers 2X miles on every purchase plus 10X miles on hotels and rental cars and 5X miles on flights when booked through Capital One Travel. The card has no preset spending limit.
With no preset spending limit, cardholders can use the card for any and all business needs. As long as you are on time with payments, your information is not reported to the personal credit bureaus. You can feel free to spend without worrying how large purchases will affect your personal credit.
The card comes with valuable travel benefits, including unlimited access to Capital One’s airport lounges and lounges in their Partner Lounge Network, as well as a $100 credit for TSAPreCheck®/Global Entry every four years.
The annual fee is $395.
The Spark Travel Elite is great for small business owners who spend a lot and travel for business. The drawback is that it’s only available to clients of Capital One Relationship Managers. But if that’s you, and you’re looking for a new credit card to use for your business, this might be the one.
With unlimited lounge access and annual travel credit for bookings made through Capital One Travel, the annual fee of $395 is easily recouped.
Other perks to sweeten the deal include TSAPreCheck ® /Global Entry credit, free employee cards and no preset spending limit.
The Spark Travel Elite credit card is only available to clients of Capital One Relationship Managers at present.
The sign-up bonus is generous; you get 50,000 miles once you spend $10,000 in the first 3 months and 200,000 miles once you spend $50,000 in the first 6 months. The card also offers 2X miles on every purchase plus 10X miles on hotels and rental cars and 5X miles on flights when booked through Capital One Travel. The card has no preset spending limit.
With no preset spending limit, cardholders can use the card for any and all business needs. As long as you are on time with payments, your information is not reported to the personal credit bureaus. You can feel free to spend without worrying how large purchases will affect your personal credit.
The card comes with valuable travel benefits, including unlimited access to Capital One’s airport lounges and lounges in their Partner Lounge Network, as well as a $100 credit for TSAPreCheck®/Global Entry every four years.
The annual fee is $395.
The Spark Travel Elite is great for small business owners who spend a lot and travel for business. The drawback is that it’s only available to clients of Capital One Relationship Managers. But if that’s you, and you’re looking for a new credit card to use for your business, this might be the one.
With unlimited lounge access and annual travel credit for bookings made through Capital One Travel, the annual fee of $395 is easily recouped.
Other perks to sweeten the deal include TSAPreCheck ® /Global Entry credit, free employee cards and no preset spending limit.
| Credit Card | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Intro Balance Transfer Rate | Regular Balance Transfer Rate | Balance Transfer Fee | Recommended Credit | Card Review |
|---|---|---|---|---|---|---|---|---|---|---|
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Capital One SavorOne Cash Rewards Credit Card
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Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening | 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases | $0 | 0% intro on purchases for 15 months | 17.99% - 27.99% (Variable) | 0% intro on balance transfers for 15 months | 17.99% - 27.99% (Variable) | 3% | Excellent/Good | Capital One SavorOne Cash Rewards Credit Card Review |
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Capital One Quicksilver Cash Rewards Credit Card
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One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | $0 | 0% intro on purchases for 15 months | 17.99% - 27.99% (Variable) | 0% intro on balance transfers for 15 months | 17.99% - 27.99% (Variable) | 3% | Excellent/Good | Capital One Quicksilver Cash Rewards Credit Card Review |
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Capital One Venture Rewards Credit Card
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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 | 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023 | $95 | N/A | 18.99% - 26.99% (Variable) | N/A | 18.99% - 26.99% (Variable) | $0 at this Transfer APR | Excellent/Good | Capital One Venture Rewards Credit Card Review |
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Capital One VentureOne Rewards Credit Card
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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel | 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel | $0 | 0% intro on purchases for 15 months | 17.99% - 27.99% (Variable) | 0% intro on balance transfers for 15 months | 17.99% - 27.99% (Variable) | 3% | Excellent/Good | Capital One VentureOne Rewards Credit Card Review |
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Capital One Savor Cash Rewards Credit Card
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Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening | Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. | $95 | N/A | 18.99%, 23.99% or 26.99% (Variable) | N/A | 18.99%, 23.99% or 26.99% (Variable) | $0 | Excellent/Good | Capital One Savor Cash Rewards Credit Card Review |
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Capital One SavorOne Student Cash Rewards Credit Card
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Earn $100 when you spend $100 in the first three months | 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases | $0 | N/A | 17.99% - 27.99% (Variable) | N/A | 17.99% - 27.99% (Variable) | $0 at this Transfer APR | Fair/Limited | Capital One SavorOne Student Cash Rewards Credit Card Review |
|
Capital One Platinum Credit Card
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No bonus | Non-rewards Card | $0 | N/A | 28.49% (Variable) | N/A | 28.49% (Variable) | $0 at this Transfer APR | Fair/Limited | Capital One Platinum Credit Card Review |
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Capital One QuicksilverOne Cash Rewards Credit Card
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No bonus | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | $39 | N/A | 28.49% (Variable) | N/A | 28.49% (Variable) | $0 at this Transfer APR | Fair/Limited | Capital One QuicksilverOne Cash Rewards Credit Card Review |
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Capital One Platinum Secured Credit Card
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No bonus | Non-rewards Card | $0 | N/A | 28.49% (Variable) | N/A | 28.49% (Variable) | $0 at this Transfer APR | Poor/Limited | Capital One Platinum Secured Credit Card Review |
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Capital One® Walmart Rewards® Card
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5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay | 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations, at restaurants and on travel. 1% back everywhere else Mastercard® is accepted | $0 | N/A | 17.99%, 23.24% or 26.99% variable | N/A | 17.99%, 23.24% or 26.99% variable | 3% when transferring for a promotional APR offer | Excellent/Good | Capital One® Walmart Rewards® Card Review |
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Capital One Spark Cash Plus
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Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening | 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | $150 | N/A | N/A | N/A | N/A | N/A | Excellent | Capital One Spark Cash Plus Review |
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Capital One Spark Cash Select - $500 Cash Bonus
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$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | $0 | N/A | 16.24% - 22.24% (Variable) | N/A | 16.24% - 22.24% (Variable) | $0 at this Transfer APR | Excellent | Capital One Spark Cash Select - $500 Cash Bonus Review |
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Capital One Spark Miles for Business
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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. | 2 Miles per $1 on every purchase, everywhere | $0 intro for first year; $95 after that | N/A | 23.99% (Variable) | N/A | 23.99% (Variable) | $0 at this Transfer APR | Excellent/Good | Capital One Spark Miles for Business Review |
|
Spark Travel Elite
|
50,000 miles once you spend $10,000 in the first 3 months and 200,000 miles once you spend $50,000 in the first 6 months. | 2X miles on every purchase plus 10X miles on hotels and rental cars and 5X miles on flights when booked through Capital One Travel. The card has no preset spending limit | $395 | N/A | N/A | N/A | N/A | N/A | N/A | Review Coming Soon |
The information related to the Capital One SavorOne Cash Rewards Credit Card, Capital One® Walmart Rewards® Card and Spark Travel Elite has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The best Capital One credit card depends on your spending habits, your credit history and whether or not you’re willing to pay an annual fee. For example, we rank the Capital One SavorOne Cash Rewards Credit Card as the best overall Capital One card. It’s aimed at applicants with excellent/good credit and offers a generous cashback program. But if you’re looking for a first credit card, you might have better luck applying for the Capital One Platinum Credit Card.
Possibly. The Capital One Platinum Credit Card is aimed at applicants with fair/limited credit, and the Capital One Platinum Secured Credit Card is aimed at applicants with poor/limited credit. However, as with any credit card, your application for either of those cards can be denied based on a variety of factors.
You might be able to upgrade or downgrade your Capital One credit card by requesting what’s called a “product change.” Capital One might offer a product change to you through your online account or you might have to call the issuer and ask. A situation where you might want to request an upgrade is if you’ve had a card for a while that doesn’t earn rewards and you want to change it to one of the cash back or travel rewards cards.
Conversely, it might make sense to request a downgrade to a card with no annual fee if you’re paying an annual fee for one of the more high-end cards and no longer use the card enough to make the fee worthwhile. Know that if you do choose to upgrade or downgrade, you won’t be eligible for any sign-up bonus. You’ll have to apply directly for the card to get any bonus.
If your Capital One credit card earns cash back or miles, those rewards won’t expire as long as your account is open and in good standing. And, unlike some cards from other issuers, your Capital One card won’t decrease your earning rate for the rest of the quarter or year after you hit a spending cap. So, in this regard, Capital One credit cards that offer cash back or miles do let you earn unlimited rewards.
If you don’t know how good or bad your credit score is, you should check it before applying for a new credit card. One way to check your credit score is by signing up for a free LendingTree account.
It’s also smart to check Capital One’s credit card preapproval tool before you apply for a card (note that the tool may not consider you for all the cards Capital One issues). While being preapproved doesn’t guarantee acceptance once you actually apply for a card, it does indicate that you’ve got a decent chance of being approved.
Plus, it doesn’t hurt your credit score to use the tool — though once you actually apply there will be a hard inquiry, which can be expected to drop your score a few points.
In selecting the best Capital One credit cards, we considered factors such as rewards rates, sign-up bonuses and how good your credit score needs to be for you to be considered for each card.
Many of the cards we selected for the best Capital One cards charge no annual fee. If a card does charge an annual fee, it also offers enough value through rewards, sign-up bonuses, and perhaps statement credits that the annual fee is worth it for consumers with specific needs and spending habits.
Finally, if a card offers helpful features, that weighed in its favor of being included. For example, the Capital One Spark Cash Plus is a charge card with no preset spending limit, which might be helpful for business owners who often find themselves needing to make big purchases.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
