Compare Capital One credit cards 2019 | finder.com

Compare Capital One credit cards

Whether you're traveling or rebuilding your credit, this bank offers over a dozen cards in multiple categories.

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Capital One Bank®

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You may have seen a few Capital One commercials on TV, only to be left wondering whether the bank’s cards were actually any good.

Luckily, Capital One has a strong collection of cards, and it may well be your next favorite provider. You’ll find products with great rewards, as well as robust student and secured cards.

Our pick for a Capital One credit card

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 16.24%-26.24% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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Compare Capital One credit cards

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
2x miles on all purchases and 10x miles at hotels.com/venture
17.99%, 22.74% or 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
16.74%, 22.24% or 25.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $300 after spending $3,000 in the first 3 months.
1.25x miles on all purchases and 10x miles at hotels.com/venture
0% intro for the first 12 months (then 14.24%, 20.24% or 24.24% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
1.5% cash back on all purchases
26.96% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.

Compare up to 4 providers

Compare Capital One credit cards

Capital One offers over a dozen cards, including cashback, travel, secured and student products. Here are the top cards you can choose from.

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Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Earn 50,000 miles after spending $3,000 on purchases within 3 months from account opening
  • Earn 2x miles on all purchases. You can also earn 10x miles on eligible hotel purchase at hotels.com/venture through January 2020
  • $0 intro annual fee for the first year; $95 after that
  • Receive up to $100 application fee credit for Global Entry or TSA PreCheck
  • No blackout dates on travel bookings
  • Transfer miles to over 12 travel loyalty programs
  • Miles have no expiration date and no cap
  • No foreign transaction fees
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The Capital One® Venture® Rewards Credit Card is a great travel card. You’ll earn a strong 2x miles on every purchase, which means you won’t have to fuss with tiered rewards.

You’ll also find a no-annual-fee option — the Capital One® VentureOne® Rewards Credit Card. It’s a good card, but it’s slightly outclassed by competitors like the Bank of America® Travel Rewards credit card.

Compare Capital One® Venture® Rewards Credit Card vs. Capital One® Quicksilver® Cash Rewards Credit Card

  • Get this card if: You travel frequently.

Capital One® Quicksilver® Cash Rewards Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 16.24%-26.24% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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Capital One offers a great cashback card with Capital One® Quicksilver® Cash Rewards Credit Card. You’ll earn a simple 1.5% cash back on all purchases. You’ll also get a strong intro APR and a shot at a healthy signup bonus.

If you’re a foodie, look into the Capital One® Savor® Cash Rewards Credit Card, which offers excellent cash back on dining.

Compare the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® Platinum Credit Card

  • Get this card if: You want cash back.

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all purchases. If you make payments on time, you’ll boost your cash back to 1.25% for that month
  • No annual fee
  • No foreign transaction fees
  • Set your own payment due date
  • Mobile account monitoring and management
  • After making your first 5 monthly payments on time, Capital One may increase your credit line
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If you’re a student, it’s hard to go wrong with the Journey® Student Rewards from Capital One®. You’ll pay no annual fee, and you’ll earn cash back on all purchases. When you pay your card bill on time, you’ll earn cash back on the rewards you earned for that billing period.

Student cards aren’t known for their high credit limits, but luckily Capital One may raise your limit if you meet certain requirements. It’s a nice bonus that rewards responsible card use.

  • Get this card if: You’re a student.

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

  • No annual fee
  • Reports to all three major credit bureaus
  • Enjoy a $200 credit line after making a security deposit of $49, $99, or $200
  • After making your first 5 monthly payments on time, Capital One may increase your credit line
  • Mobile account monitoring and management
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The Capital One® Secured Mastercard® doesn’t offer rewards, but the Capital One® Secured Mastercard® is a great option for different reasons. You may get a $200 credit line without having to put down a security deposit of the same amount. Additionally, if you make enough qualifying monthly payments, Capital One will raise your credit limit. These two benefits create a top-tier secured product.

  • Get this card if: You’re new to or building credit

Capital One® Spark® Cash for Business or Capital One® Spark® Miles for Business (tie)

Capital One® Spark® Cash for Business

  • Earn 2% cash back on all purchases
  • Earn a $500 cash sign up bonus after you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • Fraud coverage if your card is lost or stolen
  • Free employee cards. Employee cards also earn 2% cash back on all purchases
  • Cash back has no expiration date and no redemption requirement
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Capital One® Spark® Miles for Business

  • Earn 2x miles on all purchases
  • Earn 50,000 bonus miles once you spend $4,500 within your first 3 months of card membership
  • Get up to $100 application fee credit for Global Entry or TSA PreCheck
  • Pay $0 intro annual fee for the first year, and $95 starting from your second year
  • No foreign transaction fees
  • No blackout dates or seat restrictions when redeeming miles for airfare
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If you’re a business owner with excellent credit, Capital One has great options for you. For cash back, look into the Capital One® Spark® Cash for Business. For travel rewards, try the Capital One® Spark® Miles for Business. Both are impressive cards that offer strong flat rewards.

If you don’t want to pay an annual fee, you’re in luck: The Capital One® Spark® Cash Select for Business and Capital One® Spark® Miles Select for Business offer solid rewards without the yearly cost.

  • Get one of these cards if: You own a business

Capital One rewards program

Capital One rewards cards offer either cash back or miles.

If you earn cash back, you can redeem it for rewards that include:
  • Statement credit.
  • Cash rewards in the form of a check.
  • Gift cards.
If you earn miles, you can redeem them for rewards that include:
  • Statement credit for travel purchases.
  • Cash rewards in the form of a check.
  • Account credit.
  • Gift cards.

How can you redeem rewards?

To redeem rewards, log in to your credit card account on the Capital One website. Then navigate to the Redeem Rewards page.

How much are rewards worth?

Capital One miles are worth 1 cent apiece, which is standard across the industry.

Typical features and benefits of a Capital One card

  • No annual fee or first-year fee waived. Capital One’s cards are split between no-annual-fee products and cards that have a $95 annual fee that’s waived for the first year.
  • Rewards. Choose between cards that offer either cash back or miles. The only exception is the secured card, which doesn’t offer any rewards.
  • No foreign transaction fees. Capital One doesn’t charge foreign transaction fees, even for non-travel cards. You might be surprised to find no foreign transaction fees for certain cards. For example, the Capital One® Quicksilver® Cash Rewards Credit Card charges no foreign transaction fees, while similar cards usually do.
  • Signup bonus. Capital One signup bonuses generally have relatively low spending requirements.
  • Wide range of ongoing variable APRs. Before applying for a Capital One card, look closely at its purchase and balance transfer APRs. Interest rates vary widely between this provider’s products.
  • Excellent credit required for some cards. Many providers accept cardholders with good credit. For several of its cards, Capital One recommends applying with excellent credit.
  • Mobile app. You can download the bank’s mobile app to monitor your account, make payments and more.

How to apply for a Capital One card

Visit the Capital One website and click Apply Now on the credit card page. Before you apply, check that you meet the eligibility requirements and have the required information on hand.

Eligibility criteria

  • You’re at least 18 years old.
  • You have a Social Security number or tax identification number.
  • You live in the United States or a US military location.
  • Your monthly income exceeds your monthly rent or mortgage payment by at least $425.

Information you’ll need

To complete the application, you’ll need to provide information that includes:

  • Your name and residential address.
  • Your Social Security number.
  • Your email address, phone number and date of birth.
  • Financial information like your annual income and income source.

How to prequalify for a Capital One card

How does Capital One keep my credit card information secure?

Capital One encrypts your data with 128-bit Secure Socket Layer (SSL), which hides your information from unauthorized third parties. When you’re on the Capital One website, you’ll see a lock symbol next to your browser’s address bar. This indicates you have a secure connection with the provider’s website.

If you like viewing your credit card account on your mobile phone, you can use Capital One’s mobile app. Use it to pay your bills, monitor your account activity, redeem rewards, or send money to friends and family.

Capital One will send you email or text alerts if it detects unusual transactions. And through the Capital One Wallet app, you can opt to receive real-time notifications when your card is used.

Bottom line

Capital One has an impressive stable of cards, including annual-fee and no-annual-fee options. Whether you’re looking to rebuild your credit, earn flat cash back or rack up travel rewards, it likely has a card to fit your unique situation.

If you’re not sure whether a Capital One product is right for you, check out other credit card providers to compare more options.

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