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Capital One credit cards 2022: Which one is best?

Compare Capital One credit cards, view the best picks, and browse a full list of card reviews.

Compare Capital One credit cards

Use our table to sort Capital One cards by name, intro APR, annual fee and more. Check the Compare box under up to four cards you're interested in. You can also click Show filters to narrow your options and browse products that fit your credit score range and have features you need most.

1 - 4 of 18
Name Product Filter values Rewards Purchase APR Annual fee
Capital One Venture Rewards Credit Card
2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
18.99% to 26.99% variable
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
0% intro for the first 15 months (then 17.99% - 27.99% variable)
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
1.5% cash back on every purchase, every day
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
28.49% variable
$0
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.
Capital One SavorOne Cash Rewards for Good Credit
Capital One SavorOne Cash Rewards for Good Credit
3% cashback on dining, entertainment, popular streaming services and at grocery stores; 5% back on hotels and rental cars booked through Capital One Travel; 8% back on Capital One Entertainment and tickets at Vivid Seats; 1% on all other purchases
28.49% variable
$0
Made for people with good credit to enjoy the same $0 annual fee and rewards as the Capital One SavorOne Cash Rewards Credit Card.
Capital One VentureOne Rewards for Good Credit
Capital One VentureOne Rewards for Good Credit
1.25x miles on every purchase, every day and 5x miles on hotels and rental cars booked through Capital One Travel
28.49% variable
$0
The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit.
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Capital One offers a great variety of simple and strong card options. Notable among the collection are several great rewards cards, a few secured card picks plus to-the-point travel cards. Use this table for a quick overview of the cards available and how they stack up.

The best Capital One credit cards

The best Capital One credit cards offer the biggest rewards or most travel perks for your specific financial and travel needs. Finder’s credit card experts reviewed all Capital One cards and compared them against one another based on several card details, including their value versus their annual fee, range of reward categories, travel perks and APRs.

We’ve ranked the best Capital One credit cards based on our comparisons to help you make the right choice for your financial needs.

Quick look at the best Capital One cards

Best for luxury travel

Capital One Venture X Rewards Credit Card

Finder rating 4.6 / 5 ★★★★★

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on Capital One's secure site
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The Capital One Venture X Rewards Credit Card is Capital One's first luxury travel card and offers all of the perks you'd expect from a card with an annual fee of $395. In fact, the perks it offers are comparable to luxury cards that cost even more than $400 and you can earn a robust 5x miles on flights booked through Capital One Travel.

Best for students

Capital One Quicksilver Student Cash Rewards Credit Card

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on Capital One's secure site
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The new Capital One Quicksilver Student Cash Rewards Credit Card completely usurps the old Capital One Journey by offering a flat 1.5% back on all purchases right off the bat — no muss, no fuss. The card also comes with a few perks you don't typically find on a student card, such as concierge service, extended warranties and purchase protection.

Best for everyday student purchases

Capital One SavorOne Student Cash Rewards Credit Card

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on Capital One's secure site
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Capital One's other new student card is essentially the standard SavorOne but designed for students. It offers 3% cash back on dining, entertainment, select streaming services and grocery stores (excluding superstores), which is terrific value for a student card. Like the Quicksilver Student card, the SavorOne also comes with excellent perks such as concierge service, extended warranties and purchase protection.

Best cashback card for fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

Finder rating 4.3 / 5 ★★★★★

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on Capital One's secure site
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If your credit score doesn't allow you to get the Capital One QuicksilverOne Cash Rewards Credit Card, you can opt-in for its sibling card, the QuicksilverOne®, from Capital One®. You'll earn the same cashback rate on all purchases, but you'll also pay an annual fee with this card.

Best no-annual-fee card for fair credit

Capital One Platinum Credit Card

Finder rating 4.5 / 5 ★★★★★

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on Capital One's secure site
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The Capital One Platinum Credit Card is a credit card as straightforward as they come: It offers no rewards, no signup bonus, and carries an above-average variable APR. That said, the card is one of two personal cards that only require a fair credit score. What's more, the Capital One Platinum Credit Card doesn't charge an annual fee, unlike the QuicksilverOne Cash Rewards, which charges $39 annually. This makes it a more forgiving card if you need to build your credit.

Best for rebuilding credit

Capital One Platinum Secured Credit Card

Finder rating 4.4 / 5 ★★★★★

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on Capital One's secure site
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The Capital One Platinum Secured Credit Card doesn't offer rewards, but it is a great Capital One card for building credit. Depending on your credit score, you may get a $200 credit line without having to put down a security deposit of the same amount.

Best for entry-level travel

Capital One Venture Rewards Credit Card

Finder rating 4.4 / 5 ★★★★★

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on Capital One's secure site
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The Capital One Venture Rewards Credit Card is a great travel card for those who like simplicity in earning and redeeming rewards. You’ll earn a strong 2x miles on every purchase, which means you won’t have to fuss with tiered rewards. The card also offers a strong signup bonus for the card's price, along with a TSA PreCheck/Global Entry statement credit every four years.

Best for cash back

Capital One Quicksilver Cash Rewards Credit Card

Finder rating 4.2 / 5 ★★★★★

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on Capital One's secure site
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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.

Best for dining and entertainment

Capital One Savor Cash Rewards Credit Card

Finder rating 4.4 / 5 ★★★★★

If you mostly spend on dining and entertainment and you're looking to get the highest signup bonus, Capital One Savor Cash Rewards Credit Card could be a solid choice.

Capital One credit card application instructions

  1. Visit the Capital One website.
  2. Navigate to the credit cards section and pick the card you want.
  3. Choose Apply now.
  4. Complete the application with details such as your full name, contact information, employment status and total annual income.
  5. Review your information and submit your application.

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

  • 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

Application restrictions

For applications, Capital One is more restrictive than other issuers. If you’re approved for a card — personal or business — you must wait six months before you can be approved for another. Apply to prequalify for a Capital One card. Then you’ll see the cards where you’ll have the best chance of getting approved.

You may also want to wait if you’ve recently applied for a card from a different provider. According to reports, Capital One has been known to deny applications if you’ve recently applied for credit.

How many Capital One cards can I have?

You may have a maximum of two personal Capital One cards. This typically doesn’t include cobranded cards, though this isn’t set in stone based on reports from some cardholders.

How do I choose the best Capital One credit card?

One of the first things to do when looking for a Capital One card is to evaluate your spending. This will help you find a product that offers ideal rewards.

  • Review your types of spending. If you spend evenly across many different categories, you might get the most value out of Capital One’s flat-rate cashback cards — that is, the cards that offer the same rewards rate on every purchase. But if you spend heavily in a few categories such as dining or entertainment, something like the Savor can prove more lucrative.
  • Do you have fair credit? If you have bad or fair credit history, the Capital One QuicksilverOne Cash Rewards Credit Card might be the right choice. If you’re a business owner with fair credit, consider the Capital One® Spark® Classic for Business.
  • What annual fee do you want to pay? Capital One doesn’t have any premium cards that cost hundreds of dollars a year. Rather, your choice is whether you want to pay a $0 or $39 annual fee, or a $95 annual fee starting the second year. If you’ll pay an annual fee, consider whether you’ll get enough value from the card to justify the cost. For example, you might want the card for its rewards, or simply because it’s one of the few cards available to someone with your credit profile.
  • Do you want a signup bonus? Capital One’s personal cards have signup bonuses of $150 to $300, while its business cards have signup bonuses of $200 to $500. Keep in mind some cards have annual fees that will eat into these rewards.
The right Capital One card for you is the one that fits your financial needs best. For example, Logan Allec, CPA and owner at Money Done Right, tells Finder that he has the Capital One Spark Miles for Business credit card.

“Because most of the expenses I have in my business don’t fall into traditional bonus categories such as travel or dining, I was looking for a card for my business that could give me 2% back on every purchase, and this card fit the bill!”

Jessica Clark, a 35-year-old mother and founder of Gluten Free Supper, tells Finder that she uses a Capital One Quicksilver Cash Rewards Credit Card.

“I chose this card because, at the time, I did not have perfect credit and that was not a requirement. I also was enticed by the 0% initial interest rate for purchases as well as balance transfers. I initially used my Quicksilver card to transfer a balance from another credit card that carried a balance with a high interest rate. This allowed me to pay off that balance a lot quicker. Now that I no longer have any credit card debt, I use my Capital One Quicksilver Cash Rewards Credit Card for all of my monthly expenses as well as spending and groceries.”

Types of Capital One cards

Capital One is best known for its dining and entertainment credit card offerings, as well as its powerful travel rewards cards. In fact, you might consider Capital One as slightly under Chase and Amex when it comes to travel and rewards power. On top of that, it also offers good choices if your credit is less than perfect, something not offered by its two big-name competitors.

Here are a few more types of cards you’ll find with this provider.

  • Balance transfer cards. While Capital One traditionally offers several balance transfer cards, their APR offers tend to come and go. You’ll also encounter balance transfer fees with several of these cards.
  • No annual fee cards. There are a variety of no-annual-fee card options from Capital One, including several strong reward options like the VentureOne Rewards Credit Card.
  • Business cards. Capital One’s Spark lineup focuses on rewards. In fact, even their business offering for fair credit offers 1% back on purchases.
  • No foreign transaction fee cards. Surprisingly, not a single Capital One credit card charges a foreign transaction fee, so you have your pick of the lot.
  • Cards with travel insurance. A great majority of Capital One cards offer some form of travel insurance, though the types of insurance are limited to auto rental collision damage and travel accident insurance.

Standout benefits of Capital One cards

  • Dining and entertainment rewards. Capital One possesses one of the strongest cashback rewards cards on the market for dining and entertainment in the Capital One Savor Rewards.
  • Small but mighty travel card lineup. If you like simplicity with your travel reward cards, the Venture Rewards cards are excellent choices. Their earning rates are comparable to Chase and Amex offerings without the same complexity of juggling points across cards. And similar to these competitors, the Venture cards earn rewards on many types of travel purchases.
  • No foreign transaction fees on a majority of cards. Capital One charges no foreign transaction fees, even for nontravel cards. You might be surprised to find no foreign transaction fees for specific cards. For example, the Capital One Quicksilver Cash Rewards Credit Card charges no foreign transaction fees, while similar cards usually do.
  • Easy-to-obtain signup bonus. Capital One signup bonuses generally have relatively low spending requirements for the value of the bonus.
  • Combine 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. As of March 2021, this feature has been discontinued, though Capital One claims this is only temporary, so keep an eye out for this feature to return.

Full list of Capital One credit card reviews

Personal

Bottom line

Capital One has an impressive stable of simple and powerful rewards cards. But if you’re looking to dive into a more complex rewards program with the potential for bigger rewards, American Express and Chase both have some great options.

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

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Read more on this topic

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