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Our rating:3.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply1.5% Earn unlimited 1.5% cash back on every purchase, every day At A GlanceIntro offer $200 One-time $200 cash bonus after you spend $500 on purchases within 3 months from account openingAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST FOR UNLIMITED MILES ON PURCHASES Capital One Venture X Rewards Credit CardOur rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel5X 5X miles on flights booked through Capital One Travel. 2X Earn unlimited 2X miles on all other purchases At A GlanceIntro offer 75,000 miles Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travelAnnual fee $395Regular APR 19.99% - 26.99% variableRecommended credit 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Capital One Venture Rewards Credit CardOur rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options2X Earn unlimited 2X miles on every purchase, every day. At A GlanceIntro offer 75,000 miles New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account openingAnnual fee $95Regular APR 18.99% - 26.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.More Cards from Capital One Capital One SavorOne Cash Rewards Credit CardOur rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate8% Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Earn 1% on all other purchases. At A GlanceIntro offer $200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account openingAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Capital One Platinum Credit CardOur rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rateThis card doesn't offer cash back, miles, or pointsAt A GlanceIntro offer No current offerAnnual fee $0Regular APR 28.49% variableRecommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Capital One VentureOne Rewards Credit CardOur rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options1.25X Earn unlimited 1.25X miles on every purchase, every day. At A GlanceIntro offer 20,000 miles Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travelAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST FOR SECURED CREDIT CARD Capital One Platinum Secured Credit CardOur rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rateThis card doesn't offer cash back, miles, or pointsAt A GlanceIntro offer No current offerAnnual fee $0Regular APR 28.49% variableRecommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST FOR LIMITED CREDIT HISTORY Capital One QuicksilverOne Cash Rewards Credit CardOur rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply1.5% Earn unlimited 1.5% cash back on every purchase, every day At A GlanceIntro offer No current offerAnnual fee $39Regular APR 28.49% variableRecommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Capital One Spark Miles for BusinessOur rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.At A GlanceIntro offer 50,000 miles Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account openingAnnual fee $95, waived first yearRegular APR 23.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST BUSINESS CARD FOR FLAT-RATE CASH BACK Capital One Spark Cash PlusOur rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions At A GlanceIntro offer Up to $1,000 cash bonus Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account openingAnnual fee $150Regular APR N/ARecommended credit 740-850 (Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST SECURED CARD FOR FLAT-RATE REWARDS Capital One Quicksilver Secured Cash Rewards Credit CardOur rating:3.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply1.5% Earn unlimited 1.5% cash back on every purchase, everywhere At A GlanceIntro offer No current offerAnnual fee $0Regular APR 28.49% variableRecommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST STUDENT CARD FOR FLAT-RATE CASH BACK Capital One Quicksilver Student Cash Rewards Credit CardOur rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate8% Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal1.5% Earn unlimited 1.5% cash back on every purchase, every day At A GlanceIntro offer $100 Limited Time Offer: Earn $100 when you spend $100 in the first three monthsAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.BEST FOR ENTERTAINMENT SEEKERS Capital One SavorOne Student Cash Rewards Credit CardOur rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate8% Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®) 1% Earn 1% on all other purchases. At A GlanceIntro offer $100 Limited Time Offer: Earn $100 when you spend $100 in the first three monthsAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Journey Student Rewards from Capital OneOur rating:3.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate1% Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that monthAt A GlanceIntro offer No current offerAnnual fee $0Regular APR 28.49% variableRecommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn 5% cash back on Walmart.com purchases, including pickup and delivery2% Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations 2% 2% cash back on restaurants and travel purchases 1% 1% cash back on all other purchases everywhere else Mastercard® is accepted At A GlanceIntro offer 5% Cash Back Introductory offer: Earn 5% cash back on purchases in Walmart® stores for the first 12 months when you use your card with Walmart PayAnnual fee $0Regular APR 17.99% or 27.74% (Variable)Recommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options2X Earn unlimited 2X miles on every purchase, every day. At A GlanceIntro offer 75,000 miles New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account openingAnnual fee $95Regular APR 18.99% - 26.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.More travel cards from Capital One Capital One VentureOne Rewards Credit CardOur rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options1.25X Earn unlimited 1.25X miles on every purchase, every day. At A GlanceIntro offer 20,000 miles Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travelAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Capital One Spark Miles for BusinessOur rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.At A GlanceIntro offer 50,000 miles Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account openingAnnual fee $95, waived first yearRegular APR 23.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply1.5% Earn unlimited 1.5% cash back on every purchase, every day At A GlanceIntro offer $200 One-time $200 cash bonus after you spend $500 on purchases within 3 months from account openingAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.More cash back cards from Capital One Capital One SavorOne Cash Rewards Credit CardOur rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate8% Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). 1% Earn 1% on all other purchases. At A GlanceIntro offer $200 Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account openingAnnual fee $0Regular APR 17.99% - 27.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Capital One QuicksilverOne Cash Rewards Credit CardOur rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply1.5% Earn unlimited 1.5% cash back on every purchase, every day At A GlanceIntro offer No current offerAnnual fee $39Regular APR 28.49% variableRecommended credit 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards. Recommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Rewards rate2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.At A GlanceIntro offer 50,000 miles Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account openingAnnual fee $95, waived first yearRegular APR 23.99% variableRecommended credit 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
All information about The One Card from Capital One has been collected independently by CreditCards.com and has not been reviewed by the issuer. Comparing the best Capital One credit cardsCapital One’s exciting lineup includes business, cash back and travel rewards credit cards, as well as vehicles for credit building. Here is a comparison of the best Capital One credit cards of 2022:
Editor’s picks: A closer look at our top-rated Capital One credit cardsBest for cash back: Capital One Quicksilver Cash Rewards Credit Card
Read our Capital One Quicksilver Cash Rewards Credit Card review. Best for unlimited miles on purchases: Capital One Venture X Rewards Credit Card
Read our Capital One Venture X Rewards Credit Card review. Best for travel rewards: Capital One Venture Rewards Credit Card
Read our Capital One Venture Rewards Credit Card review. Best for dining rewards: Capital One SavorOne Cash Rewards Credit Card
Read our Capital One SavorOne Cash Rewards Credit Card review. Best for building credit: Capital One Platinum Credit Card
Read our Capital One Platinum Credit Card review. Best for no annual fee: Capital One VentureOne Rewards Credit Card
Read our Capital One VentureOne Rewards Credit Card review. Best for secured credit card: Capital One Platinum Secured Credit Card
Read our Capital One Platinum Secured Credit Card review. Best for limited credit history: Capital One QuicksilverOne Cash Rewards Credit Card
Read our Capital One QuicksilverOne Cash Rewards Credit Card review. Best for business travel: Capital One Spark Miles for Business
Read our Capital One Spark Miles for Business review. Best business card for flat-rate cash back: Capital One Spark Cash Plus
Read our Capital One Spark Cash Plus review. Best secured card for flat-rate rewards: Capital One Quicksilver Secured Cash Rewards Credit Card
Read our Capital One Quicksilver Secured Cash Rewards Credit Card review. Best student card for flat-rate cash back: Capital One Quicksilver Student Cash Rewards Credit Card
Read our Capital One Quicksilver Student Cash Rewards Credit Card review. Best for entertainment seekers: Capital One SavorOne Student Cash Rewards Credit Card
Read our Capital One SavorOne Student Cash Rewards Credit Card review. Best for students: Journey Student Rewards from Capital One
Read our Journey Student Rewards from Capital One review. What is Capital One?Capital One, formally known as Capital One Financial Corp., is the fifth-largest consumer bank and the eighth-largest bank overall in the U.S. Founded by now Chairman and Chief Executive Officer Richard Fairbank, it reported a total net revenue of $28.5 billion in 2020. Per the Nilson Report, Capital One held a 10% market share of purchase volume among credit card issuers as of 2020. Services offered by Capital OneCapital One currently offers a wide breadth of consumer and commercial financial services. These services include: Consumer
Business
Commerical
Is a Capital One credit card worth it?As one of the largest banks in the U.S., Capital One is able to offer a commendable collection of cards that can exceed any annual costs. There are some circumstances where cardholders pick the wrong card and find themselves in an uphill climb, but those who do their homework beforehand should end up with a valuable card. With the SavorOne Cash Rewards, the Venture Rewards, the Platinum Card and many more, Capital One gives cardholders chances at strong rewards, generous welcome bonuses, credit-building opportunities and useful benefits. Also, with the Capital One rewards program and Capital One travel rewards program, cardholders have access to easy and flexible redemption options to make their spending worthwhile. Some of Capital One’s extra perks and add-ons are geared to help travelers more than anyone else, but they’re not exclusive to one group. From no foreign transaction fees to travel accident insurance, Capital One cards offer a plethora of benefits, including travel and retail; apps and digital services; and security. Here’s what this bank issuer offers: Travel and shopping
Security Services
How to choose a Capital One credit cardThe best Capital One credit card for you will vary, based on your spending habits, credit profile and financial goals. Using our CardMatch tool, you can align your financial profile with cards in your range to narrow down your options easier before applying. Here are some typical shoppers that can specifically benefit from certain Capital One products: Who should get a Capital One credit card
Who should skip a Capital One credit card
What credit score is needed for a Capital One credit card?Capital One has options for nearly anyone, so there’s no minimum requirement to become a cardholder. That being said, Capital One’s top card options that feature lucrative rewards and strong sign-up incentives usually require a good-to-excellent score (670 or above) to be approved. If you’re unsure if your score is enough for one of their cards, you can check if you’re preapproved with Capital One. With their secured cards and student options, people with poor credit scores or no credit history have a chance to benefit from Capital One’s services. The Quicksilver Student Cash Rewards, the Quicksilver Secured Cash Rewards and the Journey Student Rewards are just a few of their options for someone with a fair credit score or no credit history. Plus, these cards can earn a little cash back and keep you away from an annual fee while you improve your credit score. What programs does Capital One offer?On top of the plethora of benefits provided, cardholders will want to familiarize themselves with the Capital One rewards program and Capital One Travel. Known for being user-friendly and flexible, the rewards program makes it easy for cardholders to evaluate their rewards and decide what to do with their miles. Carriers of the Venture Rewards, Spark Miles for Business and other Capital One cards offering ways to earn miles have lots of reasons to love the Capital One rewards program and Capital One Travel. For starters, miles are unlimited in the program and you have the option to transfer to any of Capital One’s numerous transfer partners, expanding your map of travel destinations for 2022. If you decide to redeem your miles for travel, you’ll use the Capital One Travel portal, where you can earn extra miles per dollar when transferring to certain partners and booking things like flights, hotels and rental cars. Plus, rewards won’t expire and there are no setbacks in terms of blackout dates, transfer fees or losing point value. In addition to redeeming for travel, you can use the Capital One rewards program to exchange your miles for statement credits, gift cards and Amazon purchases at the average value of 1 cent per mile. Like most rewards credit cards, the travel opportunities are typically the most worthwhile options, but Capital One provides flexibility in case you want to take a different route. Maximizing what these programs have to offer will be different depending on the cardholder, but to put it briefly: make sufficient payments, hit your sign-up bonus spend requirement, pay attention to your spending categories, look for boosted rewards opportunities and remember to redeem your miles. How to make the most of a Capital One credit card
How we picked the best Capital One credit cardsWe analyzed Capital One’s credit cards to identify the top products in popular credit card categories. The criteria considered in our analysis include:
Many of Capital One’s cards are well-suited to a general audience, so, ultimately, the right card for you will hinge on what you’re looking to use it for. If you’re still torn between a few offers, check out this guide to choosing a credit card. Additional information on Capital One credit cardsFor more information on all things Capital One credit cards, continue reading content from our credit card experts:
Jeanine Skowronski Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine. About the EditorTracy Stewart Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere. About the ReviewerSally Herigstad Sally Herigstad is a certified public accountant, author and speaker who writes about personal finance for CreditCards.com. She also writes regularly for MSN Money, Interest.com, Bankrate and RedPlum.com, and has been a guest on Martha Stewart radio and other programs. Is Capital One an easy card to get?It is not very hard to get a Capital One credit card because Capital One offers cards for people with bad credit or better. The easiest credit card to get from Capital One is the Capital One Quicksilver Secured Cash Rewards Credit Card, which is available to applicants with bad credit.
What is the hardest Capital One card to get?Why it's one of the hardest credit cards to get: The Capital One Venture X Rewards Credit Card is hard to get because it requires excellent credit for approval and charges an annual fee of $395.
Does Capital One approve everyone?You can qualify for the Capital One Platinum Secured Credit Card with very limited or bad credit, including scores below 630. However, approval is not guaranteed. Even with secured cards, issuers will look at your income, debts and other factors.
What credit score do you need to get a Capital One Visa?Bottom line. To qualify for the Capital One Venture Rewards Credit Card, you'll likely need to have a good credit score of at least 670, although having a higher credit score would only improve your chances of approval.
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What is the easiest capital one card to get
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