Compare Capital One credit cards

Whether you’re a student, a frequent traveler, a business owner, someone looking to build or rebuild credit, or anyone in between, there’s likely a Capital One card out there for you. But if you’ve ever gotten a credit card before, then you know too many choices can make the decision-making process exciting, but a bit daunting. To help you narrow down your Capital One options, we picked the top Capital One credit cards in various categories so you can compare cards, learn about their typical features and how to apply.

Best of 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.

Capital One® Venture® Rewards Credit Card

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• Get this card if: You travel frequently.

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.

• Annual fee: Waived for the first year.
  Enjoy a $0 annual fee for the first year. After that, you’ll pay a $95 annual fee to own the card.
• Signup bonus: 50,000 bonus miles.
  You’ll earn 50,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening. These miles are worth $500 toward travel.
• Rewards: Flat rewards on every purchase.
  Earn 2x miles on all purchases.
• No foreign transaction fees.
  Pay no transaction fees when you use your card abroad or at a foreign website.

Capital One® Quicksilver® Cash Rewards Credit Card

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• Get this card if: You want cash back.

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.

• Annual fee: None.
• Signup bonus: $150 cash bonus.
  To earn it, spend $500 on purchases within the first 3 months after opening your account.
• Rewards: Flat cash back on every purchase.
  Earn 1.5% cash back on all purchases.
• Intro APR: 0% on purchases and balance transfers for 15 months after account opening.
  After that, your purchase and balance transfer APR will be 15.49%, 21.49% or 25.49% variable.
• No foreign transaction fees.
  Pay no transaction fees when you use your card abroad or at a foreign website.

Journey® Student Rewards from Capital One®

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• Get this card if: You’re a student.

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.

• Annual fee: None.
• Rewards: Flat cash back on every purchase.
  Earn 1% cash back on all purchases. When you pay your card bill on time, you’ll earn an extra 0.25% on the cash back you’ve earned during that billing cycle.
• Chance at a higher credit line.
  When you make your first five monthly payments on time, Capital One will give you a higher credit line.
• No foreign transaction fees.
  Pay 0% transaction fees when you use your card abroad or at a foreign website. This makes the Journey® Student Rewards from Capital One® a great choice if you’re studying abroad or taking a foreign trip.

Capital One® Secured Mastercard®

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

The Capital One® Secured Mastercard® doesn’t offer rewards, but it is a great Capital One card for building credit. 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.

• Annual fee: None.
• Security deposit: $49, $99 or $200 based on your creditworthiness.
  You may receive a $200 credit line without having to put down a security deposit of the same amount.
• Chance at a higher credit line.
  When you make your first five monthly payments on time, Capital One will give you a higher credit line.
• No foreign transaction fees.
  You won’t pay any transaction fees when you use your card abroad or at a foreign website.

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

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

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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.

Both of these cards also offer price protection – a rare perk on cards nowadays.

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; 15.49%-25.49% variable APR after that. Pay just 0% 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

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Capital One® Quicksilver® Cash Rewards Credit Card			1.5% cash back on all purchases	0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)	$0	See offer View details	Earn unlimited 1.5% cash back on every purchase, every day.	Compare	loading Fetching your data...
Capital One® VentureOne® Rewards Credit Card			1.25x miles on all purchases	0% intro for the first 12 months (then 14.49%, 20.49% or 24.49% variable)	$0	See offer View details	Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.	Compare	loading Fetching your data...
Capital One® Secured Mastercard®			N/A	26.99% variable	$0	See offer View details	Get access to a higher credit line after making your first 5 monthly payments on time.	Compare	loading Fetching your data...
Capital One® SavorOne® Cash Rewards Credit Card			3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases	0% intro for the first 15 months (then 15.49% or 25.49% variable)	$0	See offer View details	A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases and transfers.	Compare	loading Fetching your data...
Capital One® Venture® Rewards Credit Card			2x miles on all purchases	17.24%, 22.24% or 24.49% variable	$0 intro annual fee for the first year ($95 thereafter)	See offer View details	Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.	Compare	loading Fetching your data...
Capital One® QuicksilverOne® Cash Rewards Credit Card			1.5% cash back on all purchases	26.99% variable	$39	See offer View details	Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.	Compare	loading Fetching your data...
Capital One® Platinum Credit Card			N/A	26.99% variable	$0	See offer View details	A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...

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Full list of Capital One credit cards

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.

How to prequalify for a Capital One card

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.

Combining cards

Capital One used to allow you to combine two of their cards into one account. This was helpful, as Capital One only allows you to have two credit cards maximum. This feature has been discontinued, though Capital One claims this is only temporary, so keep an eye out the potential return of this feature.

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 leading credit card providers to compare more options.

Frequently asked questions

• Which number do I call to report a fraudulent transaction?

  Call Capital One at 1-800-227-4825 if you find an unauthorized transaction on your card account.

• Why should I get a secured credit card?

  You might apply for a secured card if you’re having trouble getting approved for traditional credit cards due to a low credit score. Because you need to put down a security deposit to get a secured card, more providers will be willing to take you on as a customer. By consistently paying your card bill on time, you’ll slowly improve your credit.

• Why should I get a student credit card?

  If you’re in college, you might not have any credit. This makes it difficult to get a traditional credit card. Student cards are good options, as providers offer these specifically to customers new to credit. Though your credit limit will likely be low and your interest rate high, you’ll get the chance to build your credit history.

• Can I cancel my Capital One credit card without calling?

  No. Here are the ways you can cancel your Capital One credit card.