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HomepageFinanceCredit CardsThe Best Capital One Credit Cards
Last updated on Mar 26, 2020

The Best Capital One Credit Cards

Credit cards with flexible rewards and something for everyone, from travel to cash back ​
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13 credit cards considered

7 features evaluated

40 hours of research

The Best Capital One Credit Cards Review

Capital One credit cards offer something for everyone. Whether you’re an avid traveler, small business owner, or just want cash back, there is a Capital One credit card for everyone. But which card is the best overall? We evaluated 13 of Capital One’s most popular credit cards, analyzing each card’s rewards rates, sign-up bonuses, annual fees, and APRs to rank each one.

If you’re looking at a Capital One credit card, the most important decision to make is which type of rewards are most important to you. If you’re a frequent traveler, you might benefit most from one of Capital One’s industry-leading travel rewards cards. If you simply want to earn cash back on everyday purchases, there are plenty of options for that, too. Even students and business owners will find Capital One credit cards tailored to their needs.

Our Top 10 Picks for the Best Capital One Credit Cards

CardType of CardAnnual FeeOur Rating
Capital One VentureOne Rewards Credit CardTravel$03.78/5
Capital One Spark Cash for BusinessBusiness$0 for the first year, $95 after that3.70/5
Capital One Spark Miles for BusinessBusiness$0 for the first year, $95 after that3.48/5
Capital One Quicksilver Cash Rewards Credit CardCash back$03.48/5
Capital One Secured MastercardSecured$03.45/5
Capital One Venture Rewards Credit CardTravel$0 for the first year, $95 after that3.38/5
Capital One SavorOne Cash Rewards Credit CardCash back$03.28/5
Capital One Spark Classic for BusinessBusiness$03.18/5
Capital One Platinum Credit CardCredit building$03.13/5
Journey Student Rewards from Capital OneStudent$03.13/5

*All information accurate as of Feb. 25, 2020.

The Best Capital One Credit Cards Explained

Capital One VentureOne Credit Card

Best for: No-Annual-Fee Travel Rewards
Sign-up bonus: 20,000 bonus miles when you spend $1,000 in the first three months
Rewards rate: Unlimited 1.25 miles for every dollar spent
Annual fee: $0
APR: 13.49% – 23.49%
Who is it good for?: Those who want flexible travel rewards with no annual fee
Our in-depth review

Capital One Spark Cash Select for Business

Best for: Cash-Back for Businesses
Sign-up bonus: $500 cash bonus when you spend $4,500 in the first three months
Rewards rate: Unlimited 2% cash back
Annual fee: $0 for the first year, $95 after that
APR: 18.49%
Who is it good for?: Businesses looking for an all-purpose cash back card
Our in-depth review

Capital One Spark Miles for Business

Best for: Travel Rewards for Businesses
Sign-up bonus: 50,000 bonus miles when you spend $4,500 in the first three months
Rewards rate: Unlimited two miles for every dollar spent; five miles per dollar spent on hotels and rental cars reserved through Capital One Travel
Annual fee: $0 for the first year, $95 after that
APR: 18.49%
Who is it good for?: Businesses with frequent travel expenses
Our in-depth review

Capital One Quicksilver Cash Rewards

Best for: Overall Cash-Back Rewards
Sign-up bonus: $150 cash bonus when you spend $500 in the first three months
Rewards rate: Unlimited 1.5% cash back
Annual fee: $0
APR: 0% for the first 15 months, 15.49% – 25.49% after that
Who is it good for?: Individuals looking for cash back with low monthly expenses
Our in-depth review

Capital One Secured MasterCard

Best for: Poor Credit
Sign-up bonus: Get a $200 credit line when you make a refundable deposit of $49, $99, or $200
Rewards rate: Get access to more credit when you make your first five monthly payments on time
Annual fee: $0
APR: 26.99%
Who is it good for?: Those looking to rebuild their credit
Our in-depth review

Capital One Venture Rewards Credit Card

Best for: All-Around for Travel
Sign-up bonus: 50,000 bonus miles when you spend $3,000 in the first three months
Rewards rate: Unlimited two miles for every dollar spent
Annual fee: $0 for the first year, $95 after that
APR: 17.24% – 24.49%
Who is it good for?: Frequent travelers looking to maximize rewards on everyday purchases
Our in-depth review

Capital One SavorOne Cash Rewards

Best for: Dining Cash-Back
Sign-up bonus: $150 cash bonus when you spend $500 in the first three months
Rewards rate: Unlimited 3% cash back on dining and entertainment, 2% on groceries, 1% on everything else
Annual fee: $0
APR: 0% for the first 15 months, 15.49% – 25.49% after that
Who is it good for?: Anyone who eats out regularly and wants to maximize rewards with no fee
Our in-depth review

Capital One Spark Classic for Business

Best for: Businesses with Average Credit
Sign-up bonus: None
Rewards rate: Unlimited 1% cash back
Annual fee: $0
APR: 24.49%
Who is it good for?: Small businesses with low monthly expenses and/or little to no credit
Our in-depth review

Capital One Platinum Credit Card

Best for: Average or Limited Credit
Sign-up bonus: None
Rewards rate: None
Annual fee: $0
APR: 26.99%
Who is it good for?: Individuals who need to establish credit
Our in-depth review

Journey Student Rewards from Capital One

Best for: College Students
Sign-up bonus: None
Rewards rate: Unlimited 1% cash back; 1.25% cash back when you pay your bill on time
Annual fee: $0
APR: 26.99%
Who is it good for?: College students who want to learn how to use a credit card responsibly
Our in-depth review

What Is Capital One’s Best Credit Card?

Our pick for the best Capital One credit card is the Capital One VentureOne Credit Card. What earned this card the top spot? The travel rewards are hard to beat, with 1.25 miles earned on every dollar spent with no limit and the flexibility to use miles seamlessly with any one of Capital One’s 10+ travel partners. But the most impressive part is that the card carries no annual fee, creating an industry-leading value combination.

Of course, while this is our pick for the best overall Capital One credit card, a different card might better suit your personal needs and circumstances.

Capital One Rewards Redemption Programs

Capital One rewards credit cards have no limits to the cash or miles you earn, which never expires. Cash rewards can easily be applied towards your statement credit or used to purchase gift cards or even shop directly through retailers like Amazon. Miles are similarly easy to redeem and can be transferred to anyone of Capital One’s travel partners, which include JetBlue and KLM. You can also use points to book travel directly through the Capital One Travel online portal.