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Credit Cards

Best Capital One Credit Cards

Updated Aug 17, 2023   |   12-min read

Capital One is one of the largest banks in America, it’s ranked on the Fortune 500 list, and it is currently the fifth-largest credit card issuer in the United States.

If you are in the market for a credit card, Capital One’s offerings are worth checking out. Below, you will find the best Capital One credit cards rated by our editorial team.

On this page:

Best Capital One cash back cards

With so many credit card options from Capital One, each with their own rewards rates, terms, interest rates, and fees, it can be hard to know where to begin. Here are our picks for the best Capital One credit cards for earning cash back.

Card nameCash backAnnual fee
Capital One SavorOne Cash Rewards Credit Card1% – 3%$0
Capital One Quicksilver Cash Rewards Credit Card1.5%$0
Capital One QuicksilverOne Cash Rewards Credit Card1.5%$39

Capital One SavorOne Cash Rewards Credit Card

  • LendEDU Rating: 4.6/5
  • Rewards rate: 1% – 3%
  • Annual fee: $0
  • Editor’s thoughts: This card comes with a high cash back rate for dining and entertainment, making it great for those looking to be rewarded for nights out

Card highlights

If you like dining out, there is a Capital One credit card designed just for you. The SavorOne Rewards from Capital One offers an unlimited 3% cash back on all dining, entertainment, popular streaming services, and at grocery stores, plus 1% on all other purchases.

The card also offers new cardmembers a cash bonus of $200 after spending at least $500 within three months of account opening.

Other benefits of this card:

  • Cash back doesn’t expire for the life of your account, and you can redeem for any amount
  • Cardholders gain access to unique experiences such as VIP tickets, five-star meal, and more
  • No foreign transaction fees

Final thoughts

The SavorOne Rewards from Capital One is an excellent option for those who often spend on food and entertainment. The unlimited 3% cash back is higher than most other comparable cash back cards.

To learn more about this card and its benefits, click here.


Capital One Quicksilver Cash Rewards Credit Card

  • LendEDU Rating: 4.4/5
  • Rewards rate: 1.5%
  • Annual fee: $0
  • Editor’s thoughts: This card comes with a high unlimited cash back rate on all purchases, making earning cash back easier than ever

Card highlights

The Quicksilver from Capital One is a solid option for those who like a straightforward cash back card. Cardmembers earn a flat rate of 1.5% on all purchases without category restrictions or earning limits.

There is also a $200 cash bonus for new cardmembers who spend just $500 within three months of account opening, a 0% intro APR for 15 months for purchases and balance transfers, and no annual fee.

Other benefits of this card:

  • Apply your cash back directly to a recent purchase
  • Cash back doesn’t expire for the life of your account, and you can redeem for any amount
  • No foreign transaction fees
  • Contactless payment

Final thoughts

The Quicksilver from Capital One is a great option for those looking for a straightforward cash rewards credit card without restrictions on earning points. This card is a great option for people who don’t want to worry about having a minimum spending requirement to cover an annual fee.

To learn more about this card and its benefits, click here.


Capital One QuicksilverOne Cash Rewards Credit Card

  • LendEDU Rating: 4.3/5
  • Rewards rate: 1.5%
  • Annual fee: $39
  • Editor’s thoughts: This card is great for those with fair credit and comes with a high unlimited cash back rate on all purchases

Card highlights

The QuicksilverOne from Capital One comes with a small annual fee, but a great unlimited cash back rate and other valuable perks. You’ll earn 1.5% cash back on all purchases made with the card. Cash back can be redeemed at any time and can be transferred to another Capital One rewards program without a charge. However, there is no introductory bonus with this card.

Other benefits of this card:

  • Automatically considered for a higher credit line
  • Unlimited access to your credit score and tools to monitor your credit profile with CreditWise from Capital One
  • No foreign transaction fees
  • Contactless payment for more secure transactions

Final thoughts

The QuicksilverOne from Capital One is a good choice for people with fair credit who want a single cash back rate on every purchase. Keep in mind that there is a $39 annual fee that you can cover by spending $3,000 on the card in a given year.

To learn more about this card and its benefits, click here.


Best Capital One travel credit cards

No matter how and where you travel, you should always find ways to limit expenses and maximize rewards. Here are our picks for the best Capital One credit cards for earning on travel.

Card nameMiles backAnnual fee
Capital One Venture Rewards Credit Card2x$95
Capital One VentureOne Rewards Credit Card1.25x$0

Capital One Venture Rewards Credit Card

  • LendEDU Rating: 4.8/5
  • Rewards rate: 2x
  • Annual fee: $95
  • Editor’s thoughts: This card is great for those who like to earn miles on travel without being tied to a specific airline or hotel

Card highlights

The Venture Rewards from Capital One is our pick for the best travel card offered by Capital One. Cardmembers will earn 2 miles on every dollar spent with the card with no limitations.

Earn a bonus of 75,000 miles if you spend $4,000 on purchases within the first three months from account opening.

Other benefits of this card:

  • Receive a credit of up to $100 on Global Entry or TSA PreCheck for application fees
  • Gain access to experiences that include VIP tickets, five-star meals, and more
  • Rewards don’t expire for the life of the account
  • Enjoy two complimentary visits to Capital One Lounges or to over 100 Plaza Premium Lounges per year

Final thoughts

This Capital One credit card is a smart choice for those looking for travel rewards without restrictions. The sign-up bonus makes it easy to accumulate points quickly, and the ability to redeem earned miles without blackout dates is helpful for frequent flyers.

To learn more about this card and its benefits, click here.


Capital One VentureOne Rewards Credit Card

  • LendEDU Rating: 4.6/5
  • Rewards rate: 1.25x
  • Annual fee: $0
  • Editor’s thoughts: This card is great for those who like to earn miles on travel without being tied to a specific airline or hotel and don’t want to pay an annual fee

Card highlights

The VentureOne Rewards from Capital One offers a high rewards rate on all purchases made with the card. Similar to the Venture card, the VentureOne Rewards credit card offers an unlimited number of miles earned on all purchases made with the card—but at a lower rate of 1.25 miles per dollar spent.

New cardmembers can earn an additional 20,000 bonus miles when they spend at least $500 in the first three months after opening an account.

Other benefits of this card:

  • Gain access to experiences that include VIP tickets, five-star meals, and more
  • 0% introductory APR on purchases and balance transfers for the first 15 months
  • Rewards don’t expire for the life of the account
  • No foreign transaction fees

Final thoughts

The Capital One VentureOne Rewards card is a valuable option for those who want a simple travel rewards credit card with no restrictions on earning or redemption of miles. The card does not offer as many perks as other travel rewards cards, but it is a straightforward option for frequent travelers.

To learn more about this card and its benefits, click here.


Best Capital One student credit cards

Students looking for a credit card through Capital One have one great option. Learn more about the card below.

Card nameCash backAnnual fee
Journey Student Credit Card from Capital One1% – 1.25%$0

Journey Student Credit Card from Capital One

  • LendEDU Rating: 5/5
  • Rewards rate: 1% – 5%
  • Annual fee: $0
  • Editor’s thoughts: This card is our top-rated student credit card and provides cardholders with the opportunity to earn rewards while building their credit history

Card highlights

The Journey Student Credit Card from Capital One offers 1% cash back on all purchases. Cardmembers who pay on time can receive 1.25% cash back for that month. Additionally, there is a $5 streaming subscription credit per month for the first 12 months when you pay on time.

Other benefits of this card:

  • 5% back on hotels and rental cars booked through Capital One Travel. Terms apply.
  • Automatically considered for a higher credit line
  • Access to credit score and tools to monitor your credit profile with CreditWise from Capital One
  • No foreign transaction fees
  • Contactless payment for more secure transactions

Final thoughts

The Journey Student Rewards Card is a smart option for students working toward building their credit with responsible credit card use. The bonus cash back for on-time payments incentivizes good behavior, and the potential to earn points with no limit and no annual fee makes this card cost-effective.

To learn more about this card and its benefits, click here.


Best Capital One credit building credit cards

Capital One offers some great options for those looking to build credit. Here are our picks for the best credit building credit cards from Capital One.

Card nameLendEDU RatingAnnual fee
Capital One Platinum Credit Card4.8/5$0
Capital One Platinum Secured5/5$0

Capital One Platinum Credit Card

  • LendEDU Rating: 4.7/5
  • Credit monitoring tools: Yes
  • Annual fee: $0
  • Editor’s thoughts: This card is a great no annual fee option thanks to several credit building benefits and perks

Card highlights

The Platinum Mastercard® from Capital One is a great option for people with poor credit scores or limited credit histories. The card doesn’t offer any cash back or rewards for purchases but comes with several credit building perks.

Capital One will report your payments to all three major credit bureaus, and you’ll be automatically considered for a higher credit limit on your account. Capital One also offers access to CreditWise both online and on the mobile app, which provides free credit scores and tools to help your monitor credit over time.

Other benefits of this card:

  • $0 fraud coverage if your card is lost or stolen
  • Contactless payment for more secure transactions

Final thoughts

This credit card is a good fit for those who are looking to rebuild or establish their credit. There is no security deposit required like there is with secured credit cards, and your credit line will be automatically considered for an increase.

To learn more about this card and its benefits, click here.


Capital One Platinum Secured

  • LendEDU Rating: 4.8/5
  • Required security deposit: $49, $99, $200
  • Annual fee: $0
  • Editor’s thoughts: This card is our top-rated secured credit card thanks to its no annual fee and numerous credit building perks

Card highlights

The Capital One Platinum Secured is a great option for those looking to rebuild their credit with a no annual fee secured card. A $49, $99, or $200 refundable minimum security deposit is required to open your account. This deposit helps protect Capital One since it is fronting you money that you will repay each month.

Capital One will report your payments to all three major credit bureaus, and you’ll be automatically considered for a higher credit limit on your account. Cardholders can monitor their credit with CreditWise from Capital One.

Other benefits of this card:

  • Pick your monthly due date and payment method
  • $0 fraud coverage if your card is lost or stolen
  • No foreign transaction fees
  • Contactless payment for more secure transactions

Final thoughts

The Capital One Platinum Secured is a good fit for those looking to rebuild their credit. Based on over 13,000 reviews on the Capital One website, 91% of reviewers recommend the card.

To learn more about this card and its benefits, click here.


Recap of the best Capital One credit cards

Card nameBest forLendEDU Rating
SavorOne Rewards from Capital OneCash back on dining and entertainment4.6/5
Quicksilver from Capital OneCash back on all purchases4.4/5
QuicksilverOne from Capital OneCash back for those with fair credit4.3/5
Venture Rewards from Capital OneEarning miles on all purchases4.8/5
VentureOne Rewards from Capital OneEarning miles on all purchases4.6/5
Journey Student Rewards from Capital OneEarning cash back as a student5/5
Platinum Mastercard from Capital OneBuilding credit4.7/5
Capital One Platinum SecuredRebuilding credit4.8/5

How did we choose the best Capital One credit cards?

To determine which Capital One credit cards were the best, we reviewed many cards and rated them against each other. We then selected the top Capital One cards in the cash back category, the travel category, the student category, and the credit building category. This means that not only are these cards rated against each other, they are also rated highly amongst other credit cards on the market.

Factors used to determine our Editorial Ratings included introductory APR offers, welcome bonuses, rewards rates, redemption options, added benefits, annual fees, foreign transaction fees, and whether an issuer was nationally recognized.

What do current cardholders think about their Capital One credit cards?

According to J.D. Power’s 2020 U.S. Credit Card Satisfaction Study, Capital One ranked as the number five national issuer for customer satisfaction with a score of 808 out of 1,000. The study is in its 14th year and included responses from 29,106 credit card customers. The factors that were considered within the study include interaction, credit card terms, communication, benefits and services, rewards, and key moments.

Working with an issuer that is viewed positively by its current customers is an excellent sign for prospective cardholders. This likely means that customer complaints or issues are resolved promptly, and rewards and benefits meet cardholder expectations.

What are some common benefits of having a Capital One Card?

Capital One offers several benefits that can be found across most of their credit cards. These benefits include:

  • $0 fraud coverage: If your card is lost or stolen, you will not be responsible for unauthorized charges
  • CreditWise from Capital One: Monitor your credit for free without any impact on your credit score
  • Account alerts from Eno: Receive an automated alert if Capital One detects a potential mistake or unexpected charge
  • Access to the Capital One mobile app: Manage your account from anywhere, anytime
  • No foreign transaction fee: You won’t pay a transaction fee when making purchases outside of the United States
  • Travel accident insurance: Automatic insurance for a covered loss at no extra charge when you use your card to purchase your fare
  • Extended warranty: Additional protection at no cost on eligible items purchased with your card
  • 24-hour travel assistance services: If your card is lost or stolen, you can get an emergency replacement card and a cash advance

Other resources on Capital One credit cards


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