Capital One Credit Cards


Capital One offers a total of 13 credit cards with 8 cards for consumer use and 5 for business use. There are cards to suit all types of people from cards that earn cash back or miles, to cards for students and people building credit, to cards with 0% intro periods that can help you pay off debt without accumulating interest. If you lack excellent credit, Capital One has several cards for people who have average credit or are beginning their credit journey.
A great feature that Capital One has is prequalification. This allows you to check if you may qualify for one of their credit cards by performing a soft pull on your credit. And don’t worry, this does not affect your credit score. Keep in mind prequalification is not a credit application, and does not guarantee approval. Check to see if you prequalify for any Capital One cards here.
In this roundup, we are going to discuss each card that Capital One provides (not including co-branded cards) as well as features all Capital One cards have.



Cashback cards

Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® QuicksilverOne® Cash Rewards Credit Card
Capital One® Savor SM Cash Rewards Credit Card

Travel cards

Capital One® Venture® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card

Student cards

Journey® Student Rewards from Capital One®

Cards for building credit

Capital One® Platinum Credit Card
Capital One® Secured Mastercard®

Business cards

Capital One® Spark® Classic for Business
Capital One® Spark® Cash for Business
Capital One® Spark® Cash Select for Business
Capital One® Spark® Miles for Business
Capital One® Spark® Miles Select for Business

Key features of all Capital One cards






Cash Back Cards


APPLY NOW  Secured on Capital One’s secure website Capital One® Quicksilver® Cash Rewards Credit Card Annual fee $0
Cashback Rate Earn unlimited 1.5% cash back on every purchase, every day APR 13.99%-23.99% Variable Credit required excellent-credit Excellent
What we like

$0 Annual Fee: You don’t need to pay a fee to have this card.
Straightforward cash back program: There are no changing categories to activate or keep track of with this card. You simply earn unlimited 1.5% cash back on every purchase, everyday.
Competitive new cardmember offer: Earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening.
No redemption minimum: You can redeem cash back at anytime, which gives this card a leg up to competing cards who require you to reach a certain cash back amount before redeeming.
Visa Signature® perks: This card provides numerous benefits through Visa Signature® including complimentary concierge service, shopping discounts, travel upgrades and more.

What we don’t like

Below average cash back rate: This card has a lower cash back rate than other cards on the market. We consider 2% cash back ideal and have an all inclusive list of the best cash back cards for every category that can earn you up to 6% cash back on select categories.
Excellent credit required: Capital One states on their website that you need excellent credit to qualify for this card. Therefore, if you aren’t someone with excellent credit, look to other cards like the Capital One® QuicksilverOne® Cash Rewards Credit Card

Who should consider this card
The Capital One® Quicksilver® Cash Rewards Credit Card can be a good choice for people with excellent credit that want a decent flat-rate cash back card without rewards. Although the cash back rate isn’t the highest in the market, you receive other perks that can make this card worthwhile such as Visa Signature® benefits.
Rewards breakdown
With the Capital One® Quicksilver® Cash Rewards Credit Card, you earn unlimited 1.5% cash back on every purchase, everyday. Cash back can be redeemed in a variety of ways: statement credit, check, gift cards, and more. A convenient way to redeem cash back as a statement credit is using the automatic redemption feature. Doing so allows you to redeem cash back either at a set time each year, or when a specific threshold is hit ($25, $50, $100 or $200). Note that redemption for gift cards and certain other options may vary and are subject to change at any time.
In addition to a cash back program, there is a new cardmember offer where you can earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening.
Other rates & fees

Intro Purchase APR: 0% intro on purchases for 9 months; 13.99%-23.99% variable APR after that
Intro Balance Transfer APR: 0% intro on balance transfers for 9 months
Balance Transfer Fee: 3%

At nine months, the 0% intro period for balance transfers and purchases is short compared to other cards in the market that can have intro periods as long as 24 months.
However, this is one of few intro periods that Capital One offers, so if you’re looking to transfer a balance or pay off a large purchase like a TV or mattress, the Capital One® Quicksilver® Cash Rewards Credit Card can provide you the time to rid yourself of debt without being charged interest.
Transferring a balance does come with a 3% fee. For example, if you transfer $1,000 you will incur a $30 fee — but this could easily be outweighed by the interest you save during the 0% intro period. After the intro period ends, a 13.99% – 23.99% (Variable) APR applies. This is in line with other Capital One credit cards and other cards in the market.
APPLY NOW  Secured on Capital One’s secure website Capital One® QuicksilverOne® Cash Rewards Credit Card Annual fee $39
Cashback Rate Earn unlimited 1.5% cash back on every purchase, every day APR 24.99% Variable Credit required fair-credit Average
What we like about this card

Accepts people with average credit: You can qualify for this card if you have average credit. So if you have defaulted on a loan in the past 5 years or have limited credit history, there’s a chance you may qualify.
Simple cash back program: No need to worry about rotating bonus categories or activation, this card earns unlimited 1.5% cash back on every purchase, everyday. And, cash back can be redeemed at anytime, for any amount.
Platinum Mastercard® benefits: You can take advantage of numerous Platinum Mastercard® benefits including travel accident insurance, 24/7 travel and roadside assistances, and more.

What we don’t like about this card

$39 Annual fee: Although this is one of the lowest annual fees on the market, it is still a fee. You will need to spend $2,600 to earn enough cash back to pay for the fee each year.
Sub par cash back rate: You earn a lower cash back rate than competing cards in the market. We consider at least 2% cash back ideal and have a list of the best cash back cards for every category that can earn you up to 6% cash back on select categories.

Who should consider this card
The Capital One® QuicksilverOne® Cash Rewards Credit Card is a good option for people with average credit who want to earn cash back and don’t mind a $39 annual fee. You may have a better chance qualifying for this card than other Capital One cards that require excellent credit.
Rewards breakdown
With the Capital One® QuicksilverOne® Cash Rewards Credit Card, you can earn unlimited 1.5% cash back on every purchase, every day. You have the flexibility to redeem cash back as a statement credit, check, gift card, and more. Redemption for gift cards and select other options may vary and are subject to change at any time.
There is an automatic redemption option for redeeming cash back as a statement credit, where you can either have it redeem at a set time each year, or when a you hit a specific amount ($25, $50, $100 or $200).
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None

This card is very basic and doesn’t have any intro periods. If you want to save interest during an intro period, look to other cards on this list such as the Capital One® Quicksilver® Cash Rewards Credit Card , but keep in mind that card requires excellent credit.



Dining Cash Back Cards


APPLY NOW  Secured on Capital One’s secure website The Savor℠ card From Capital One Annual fee $0
Cashback Rate 3% on dining, 2% on groceries, 1% on all other purchases APR 15.49%-24.49% Variable Credit required excellent-credit Excellent
What we like about this card

$0 Annual fee: There is no annual fee to worry about.
High cash back on dining: You can earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases. This rate for dining is great and can allow you to maximize cash back.
New cardmember offer: Earn a one-time $150 cash bonus once you spend $500 on purchases within 3 months from account opening.
Redeem cash back for any amount: You have the freedom to redeem your cash back at anytime and for any amount.
World Elite Mastercard® benefits: Access helpful perks and services such as complimentary concierge service, baggage delay and trip insurances, and more.

What we like about this card

Low cash back rate on everyday purchases: You won’t earn a good rate on typical everyday transactions like gas or department store shopping.
Excellent credit required: This card requires that you have an excellent credit standing, so you may not qualify if you have been late on payments recently or for various other factors.

Who should consider this card
The Capital One® Savor SM Cash Rewards Credit Card is great for foodies who are constantly dining out, since you benefit from the higher cash back rate on those purchases. There is a $0 annual fee, so you don’t have to pay for keeping this card in your wallet.
Rewards breakdown
The Capital One® Savor SM Cash Rewards Credit Card allows you to earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases. This is a competitive rate on dining purchases (however not as high as other cards on the market that can earn 4% ). Cash back can be redeemed in multiple ways: as a statement credit, check, gift card, and more. Note: redemptions for gift cards and select other options may vary and are subject to change at any time.
Capital One makes it simple to redeem cash back. You can set up automatic redemption at a set time each year or at a specific threshold ($25, $50, $100 or $200). This card has a competitive new cardmember bonus: earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Other rates & fees

Intro Purchase APR: 0% intro on purchases for 9 months; 15.49%-24.49% variable APR after that
Intro Balance Transfer APR: 0% intro on balance transfers for 9 months; 15.49%-24.49% variable APR after that
Balance Transfer Fee: 3%

The 0% intro period for purchases and balance transfers is below average at 9 months, however it is one of few Capital One cards with any intro period. If you plan on transferring a balance, there is a 3% fee. For example, transferring a balance of $2,000 will incur a $60 fee. This fee is often miniscule compared to the amount you save on interest during the intro period. You can use the intro period as a way to pay for new purchases like a laptop over time. Once the intro period ends, a 15.49% – 24.49% (Variable) APR applies.



Travel Cards



APPLY NOW  Secured on Capital One’s secure website Read Full Review Capital One® Venture® Rewards Credit Card Annual fee $0 intro for first year; $95 after that
Rewards Earn unlimited 2X miles per dollar on every purchase, every day APR 13.99%-23.99% Variable Credit required excellent-credit Excellent

What we like about this card

High rewards rate: This card has one of the highest flat-rate rewards for a travel card where you earn unlimited 2X miles per dollar on every purchase, every day. This is a great way for you to maximize cash back.
New cardmember offer: Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
Visa Signature® benefits: You can access special benefits such as shopping discounts, travel upgrades and savings, and more.

What we don’t like about this card

Annual fee: This card comes with an annual fee of $0 intro for first year; $95 after that. Although not as high as competitor’s annual fees, it is still a fee.
Excellent credit required: Unfortunately you have a lower chance of qualifying for this card with anything but excellent credit as Capital One states on their website excellent credit is required.

Who should consider this card
People who spend over $8,000 a year will benefit from the Capital One® Venture® Rewards Credit Card’s high rewards rate. By spending this amount, you will see increased benefit over the $0 annual fee Capital One® VentureOne® Rewards Credit Card .
Rewards breakdown
The Capital One® Venture® Rewards Credit Card earns unlimited 2X miles per dollar on every purchase, every day. This is a great flat-rate for all spending. Miles can be redeemed in several ways: as a statement credit towards the cost of travel expenses via Purchase Eraser®, to book new travel on the Rewards Center, or for a check, account credit, gift card and more. Travel purchases eligible for Purchase Eraser® include: airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. You must make your redemptions within 90 days from the date your travel purchase posts to your account.
You can benefit from the new cardmember offer: earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None

There are no intro periods for this card, not making it ideal for people looking to transfer a balance or make a large purchase. If you want to utilize a 0% intro period, check out the Capital One® VentureOne® Rewards Credit Card with 0% intro on purchases for 12 months.
APPLY NOW  Capital One® VentureOne® Rewards Credit Card Annual fee $0
Rewards Earn unlimited 1.25 miles per dollar on every purchase, every day APR 12.99%-22.99% Variable Credit required excellent-credit Excellent
What we like about this card

$0 Annual fee: There is no fee for this card to set you back from earning miles.
New cardmember offer: Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Visa Signature® benefits: You can access special benefits such as complimentary concierge service, travel upgrades and savings, and more.

What we don’t like about this card

Low rewards rate: This card has a one of the lower rewards rates for travel cards were you earn unlimited 1.25 miles per dollar on every purchase, every day. You can earn a higher rate with the Capital One® Venture® Rewards Credit Card .

Who should consider this card
If you’re someone who typically spends less than $8,000 a year, the Capital One® VentureOne® Rewards Credit Card is a good choice. At this yearly spending amount, you will be better off with this $0 annual fee travel rewards card from Capital One than the Capital One® Venture® Rewards Credit Card with a $0 intro fee for first year; $95 after that.
Rewards breakdown
With the Capital One® VentureOne® Rewards Credit Card, you can earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee. You can redeem miles in a variety of ways from a statement credit towards the cost of travel expenses via Purchase Eraser®, to book new travel on the Rewards Center, for a check, account credit, gift card and more. Capital One classifies travel purchases eligible for Purchase Eraser® as: airlines, hotels, rail lines, car rental agencies, limousine services, bus lines, cruise lines, taxi cabs, travel agents and time shares. Redemptions must be made within 90 days from the date your travel purchase posts to your account.
New cardmembers can take advantage of this offer: earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Other rates & fees

Intro Purchase APR: 0% intro on purchases for 12 months; 12.99%-22.99% variable APR after that
Intro Balance Transfer APR: None
Balance Transfer Fee: None

This card offers the longest intro period for any Capital One card at 0% intro on purchases for 12 months. This provides you a year to pay off new purchases such as a flat-screen TV without accruing interest and can be a great way to avoid falling into debt. Make sure you don’t carry a balance once the intro period is over, so you avoid the regular purchase APR of 12.99% – 22.99% (Variable). There is no balance transfer intro period for this card.




Student Cards


APPLY NOW  Secured on Capital One’s secure website Read Full Review Journey® Student Rewards from Capital One® Annual fee $0
Cashback Rate Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. APR 24.99% Variable Credit required fair-credit Average
What we like about this card

$0 Annual fee: Students don’t need to fork over any money to have this card in their wallets.
Good incentive to pay on time: Students will earn a 25% bonus on cash back on purchases when they pay on time. This is a great way to encourage good credit behavior.
Visa® Platinum benefits: Access numerous perks like 24-hour travel assistant services, travel accident insurance and more.
Provides the chance to establish credit: This card provides the foundation for students to begin their credit journey. With proper management, students can be on their way to a healthy credit report.

What we don’t like about this card

Low cash back rate: Yes, this card has a low cash back rate compared to other cards — but the goal of this card isn’t to earn rewards. It’s to build credit, so this shouldn’t be a major factor in your decision.

Who should consider this card
Students looking to establish credit can benefit from the incentives of the Journey® Student Rewards from Capital One®. This card encourages students to pay on time, allowing them to get in good credit habits.
Rewards breakdown
This card offers a unique rewards program, targeted towards teaching students proper credit behavior. You can earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. Cash back can be redeemed as a statement credit or check. Statement credits can automatically be redeemed at a specific time or threshold ($25, $50, $100 or $200). Other redemption options include gift cards and more. Note that redemption values for these options may vary and are subject to change without notice.
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None

This card is predominately for students looking to build credit, and as a result doesn’t offer any intro periods.




Cards for Building Credit


APPLY NOW  Secured on Capital One’s secure website Capital One® Platinum Credit Card Annual fee $0
APR 24.99% Variable Credit required fair-credit Average
What we like about this card

$0 Annual fee: You can build credit without paying for this card.
Average credit required: People who have defaulted on a loan in the past 5 years or have limited credit history have favorable odds to qualify for this card.
Access a higher credit line: If you make your first 5 monthly payments on time, you may receive a higher credit line with Credit Steps.
Platinum Mastercard® benefits: Receive various benefits like auto rental insurance, 24-hour roadside assistance, travel accident insurance and more.

What we don’t like about this card

No rewards program: This card lacks a rewards program, but this isn’t a major downfall since your goal is to build a good credit history. The prospect of rewards could tempt you into debt, so no rewards isn’t the worst thing.

Who should consider this card
The Capital One® Platinum Credit Card is a good option for people looking to build credit. There are no rewards to tempt you into overspending, and the Credit Steps program provides a great way for you to access a higher credit line.
Rewards breakdown
There are no rewards for this card — it’s main purpose is to build credit.
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None

This card has no intro periods and is mainly designed for people looking to rebuild their credit. You may need to improve your credit score before you can qualify for a card that has a 0% intro period.
APPLY NOW  Secured on Capital One’s secure website Read Full Review Capital One® Secured Mastercard® Annual fee $0
Minimum Deposit $49 APR 24.99% APR Variable Credit required zero-credit Rebuilding
What we like about this card

$0 Annual fee: You can build credit with this card without paying an annual fee.
Potentially low minimum deposit: The security deposit is either $49, $99 or $200 refundable deposit based on your creditworthiness.
$200 line of credit: Even if your minimum deposit is $49 or $99, you will receive a $200 credit line.
Access a higher credit line: After making your first 5 monthly payments on time, you may get access to a higher credit line with Credit Steps — all with no additional deposit needed.
Automatic account reviews: Capital One will automatically review your account to see if you can be switched to an unsecured card. They look at various credit activities at undisclosed times to see your eligibility.

What we don’t like about this card

No timeline for transition to an unsecured card: Capital One doesn’t clarify when they will perform the automatic reviews of your account, so you don’t know when you may receive notification of your upgrade to an unsecured card.

Who should consider this card
The Capital One® Secured Mastercard® is a good option for people who are new to credit or looking to rebuild their credit. Capital One provides you the opportunity to earn a higher credit limit and possibly be transitioned to an unsecured card.
Rewards breakdown
There are no rewards for this card. Most secured cards don’t provide rewards anyways.
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None

Similar to most secured cards, there are no 0% intro periods for this card. The goal for this card is to establish good credit history so you can later qualify for unsecured cards.




Business Cards


APPLY NOW  Secured on Capital One’s secure website Read Full Review Capital One® Spark® Classic for Business Annual fee $0
Cashback Rate Earn unlimited 1% cash back on every purchase for your business APR 23.99% Variable Credit required fair-credit Average
What we like about this card

$0 Annual fee: You’re business doesn’t have to pay to use this card.
Free employee cards: Getting cards for your employees doesn’t cost you anything.
Visa® Business benefits: There are many perks available including shopping discounts, roadside dispatch, travel accident insurance and more.
Spark Business SM cardholder benefits: Access numerous perks including additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark Business SM customer service representatives, and more.
Visa® SavingsEdge: When you shop with your enrolled Visa business card at participating merchants you can save up to 15%. Visit
www.visasavingsedge.com for details.
Average credit required: Businesses that don’t have the best credit may qualify for this card more than others that require excellent credit.

What we don’t like about this card

Sub par cash back rate: The cash back you earn with this card is low and you can earn higher rates with other cards such as the Capital One® Spark® Cash Select for Business .

Who should consider this card
The Capital One® Spark® Classic for Business is a good option for businesses with average credit that want to simplify business purchases and earn cash back. You don’t earn the highest cash back rate, but the additional Visa® Business benefits and Spark Business SM cardholder benefits add value to this card.
Rewards breakdown
The Capital One® Spark® Classic for Business has a basic cash back program where you earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem. You can redeem cash back as a statement credit, check, gift cards and more. A simple way to redeem for a statement credit is by setting up automatic redemptions. You can either set redemptions at a specific time or threshold ($25, $50, $100 or $200). Redemption values other than statement credit and check may vary and are subject to change without notice.
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None

There is no intro period for this card so if your business wants to utilize a 0% intro period for purchases, look to the Capital One® Spark® Cash Select for Business or the Capital One® Spark® Miles Select for Business .
APPLY NOW  Secured on Capital One’s secure website Capital One® Spark® Cash for Business Annual fee $0 intro for first year; $95 after that
Cashback Rate Unlimited 2% cash back APR 17.99% Variable Credit required excellent-credit Excellent
What we like about this card

Free employee cards: You can take out needed employee cards at no additional cost.
New Cardmember Cash Bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
Visa® Business benefits: There are numerous benefits this card provides your business from travel and emergency assistance services to roadside dispatch, and more.
Spark Business SM cardholder benefits: Capital One offers other Spark Business SM cardholder perks including additional warranty protection, downloadable purchase records, quarterly and year-end summary, Spark Business SM customer service representatives, and more.
Visa® SavingsEdge: You can save up to 15% at participating merchant when you use your card. Visit www.visasavingsedge.com for details.

What we don’t like about this card

Annual fee: There is a $0 intro for first year; $95 after that, for this card, and although it isn’t the highest among all business cards, but you can find cards without annual fees.

Who should consider this card
Businesses that want to earn the most cash back possible should look to the Capital One® Spark® Cash for Business. This card earns a fantastic cash back rate on all purchases that can allow your business to maximize earnings, and provides helpful Visa® Business and Spark Business SM cardholder benefits.
Rewards breakdown
The Capital One® Spark® Cash for Business earns unlimited 2% cash back on every purchase, every day. This is a rare flat-rate for business cards. Cash back can be redeemed in several ways: statement credit, check, gift cards and more. You can redeem for a statement credit automatically at either a specific time or threshold ($25, $50, $100 or $200). The other redemption options vary in value and are subject to change without notice.
New card members can earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
Other rates & fees

Intro Purchase APR: None
Intro Balance Transfer APR: None
Balance Transfer Fee: None
Foreign Transaction Fee: None

Since this card has no intro period, if you want to make a large purchase and pay it off over several months, check out the Capital One® Spark® Cash Select for Business , which is also a cash back card and offers 0% on purchases for 9 months (13.99% – 21.99% (Variable) after the intro period ends).
APPLY NOW  Secured on Capital One’s secure website Capital One® Spark® Cash Select for Business Annual fee $0
Cashback Rate Unlimited 1.5% cash back APR 13.99%-21.99% Variable Credit required excellent-credit Excellent
What we like about this card

$0 Annual fee: There is no fee for this card, allowing your business to save money.
Free employee cards: Taking out employee cards comes at no extra cost.
New Cardmember Cash Bonus: Earn a o

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