Best Capital One Credit Cards (2020)


Finding the best Capital One credit card can be confusing, but we analyzed over 10 credit cards from Capital One based on annual fees & APR, customer service, and rewards programs. We reveal our top choices below.

We analyzed 10+ credit cards from Capital One based on annual fees & APR, customer service, and rewards programs. We reveal our top choices below.

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

Best Credit Card Offers 2020

​As Seen in:

As Featured In Forbes
As Featured in Debt

Our Top 3 Picks:

BEST FOR BAD CREDIT

Capital One® Secured MasterCard®



capital one secured credit card

4.9 Rating

*No Credit History Required

Rewards Rate

N/A
The Capital One secured card doesn't offer rewards. 


BEST FOR TRAVEL

Capital One® Venture® Rewards Credit Card

capital one venture card

5.0 Rating

(Good to Excellent Credit Recommended (670-850)

Rewards Rate

2X
Earn 2X miles on every purchase, every day.

BEST FOR CASH REWARDS

Capital One® Quicksilver® Cash Rewards Credit Card


capital one quicksilver card

4.9 Rating

*No Credit History Required

Rewards Rate

1.5%
Earn unlimited 1.5% cash back on every purchase, every day

How We Chose The Best Cards

Picking the right credit card can be complicated and now that you are pretty sure you want a Capital Once credit card; figuring out the correct one to apply for is essential.

We have chosen the best cards in each category based on overall value. Our factors include fees, sign-up bonuses and APR's; for rewards cards, we consider the rates at which you can earn, your redemption options, and how hard it is to redeem your rewards.

Fees

 Sign-Up Bonus

APR's

Capital one has some of the most easy to use credit cards, miles that are super easy to redeem and a strong rewards program.

You will find some travel cards, a couple of cash back cards, products for someone just starting out,  and even for someone who has bad credit, all backed by one of the nation’s largest banks.


AS FEATURED IN


As Featured In Forbes
As Featured in Debt
As Featured in Credit Cards

OUR CONTRIBUTORS


Mark B Huntley Headshot

Mark

sa_el_co_founder

Sa

chris-huntley-authorized user and tradeline

Chris

capital-one-cards

What Are The Best Capital One Credit Cards? 

Plus more detail on how each card works, how to choose the right card, and how their rewards programs work. 


Top 7 Best Capital One Credit Cards

Capital One® Secured MasterCard®

Best For Bad Credit

ANNUAL FEE

$0

REGULAR APR

26.99% Variable

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

350 - 679 / None To  Poor

  • Why We Like It
  • pros & Cons
  • Product Details
  • Rewards Rate

When you have bad credit, a secured card can help you increase your score. The Capital One® Secured Mastercard® will report to all three of the major credit reporting agencies and can give you access to a higher credit line without an additional deposit after you make your first five monthly payments on time (via the Credit Steps Program).


Capital One® Venture® Rewards Credit Card

Best For Travel

ANNUAL FEE

$0 Intro, then $95

REGULAR APR

17.24 - 24.49% Variable

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

690 - 850/ Good To Excellent

  • Why We Like It
  • pros & Cons
  • Product Details
  • REWARDS RATE

The Capital One® Venture® Rewards Credit Card is at the card of choice for any frequent travelers, thanks to its rich flat-rate rewards, amazing sign-up bonus and easy redemption options.


Capital One® Quicksilver® Cash Rewards Card

Best For Cash Back (Flat Rate)

4.9  - Detailed Review Coming Soon

ANNUAL FEE

$0

REGULAR APR

15.49% - 25.49% Variable

INTRO APR

0% For 15 Months

RECOMMENDED CREDIT SCORE

670 - 850/ Good To Excellent

  • Why We Like It
  • pros & Cons
  • Product Details
  • REWARDS RATE

The Capital One® Quicksilver® Cash Rewards Credit Card has set the standard for an easy to understand credit card.  Your card will also earn unlimited rewards and allows you to redeem your rewards in any amount, at any time.


Capital One® Savor® Cash Rewards Card

Best For Dining & Entertainment

ANNUAL FEE

$0 intro then $95

REGULAR APR

15.99% - 24.99% Variable

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

690 - 850 / Good To Excellent

  • Why We Like It
  • pros & Cons
  • Product Details
  • REWARDS RATE

Dinner and a movie? What sets the Capital One® Savor® Cash Rewards Credit Card apart is that it earns high rewards for both the dinner and the movie. The card pays unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.


Capital One® Platinum Credit Card

Best For Average Credit

4.3  - Detailed Review Coming Soon

ANNUAL FEE

$0

REGULAR APR

26.99% Variable

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

630 - 689/ Average

  • Why We Like It
  • pros & Cons
  • Product Details
  • REWARDS RATE

The Capital One® Platinum Credit Card is an ideal choice for anyone with average credit who won't carry a balance, don't want to pay for carrying a card.


Journey® Student Rewards from Capital One®

Best For Students

ANNUAL FEE

$0

REGULAR APR

26.99% Variable

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

630 - 685 / Average

  • Why We Like It
  • pros & Cons
  • Product Details
  • REWARDS RATE

Journey® Student Rewards from Capital One® gives you 1% cash back on all your purchases, plus 0.25% back when you make your monthly payment on time, for a total of 1.25% cash back. That makes it one of the best cards for a student card.


Capital One® Spark® Cash for Business

Best For Small Business Cash Back

5.0  - Detailed Review Coming Soon

ANNUAL FEE

$0 intro then $95

REGULAR APR

18.49% Variable

INTRO APR

N/A

RECOMMENDED CREDIT SCORE

690 - 850 / Good To  Excellent

  • Why We Like It
  • pros & Cons
  • Product Details
  • REWARDS RATE

The Capital One® Spark® Cash for Business has some of the best cash rewards around and is an ideal option for the right business owner. If you run a small business this card should be in your wallet.


Who Is Capital One?

Capital One is the 10th largest bank in the United States and has become a staple in the credit card industry. 

Believe it or not, they have actually only been around since 1994, but they seem much older.

There is no surprise when it comes to the number of services offered by Capital One, from personal to business and commercial, here are some of the services they provide: 

Personal

  • Banking – Checking & Savings Accounts & 360 Banking Centers
  • Auto Loans – One of the largest Auto Finance Companies
  • Credit cards – Cash Back, Rewards, Credit Building, & Credit Monitoring
  • Investing – Capital One Investing

Business

  • Borrow – Business Loans
  • Invest – 401K and Capital One Investing
  • Credit cards – The Spark Suite Of Cards
  • Banking – Business Checking & Savings
  • Manage – Cash Management + Merchant Services

Commercial

  • Deposit Services – Commercial Checking Account 
  • Private Banking & Wealth Management Commercial lending – Term Loan Lending
  • Corporate Card – The One Card from Capital One

Summary of Best Capital One Credit Cards 

Credit Card

Best For

APR

Annual Fee

Learn More

capital one secured credit card

Capital One® Secured MasterCard®

Bad Credit

26.99%

Variable

$0

capital one venture card

Capital One® Venture® Rewards Credit Card

Travel

17.24 - 24.49% Variable

$95

capital one quicksilver card

Capital One® Quicksilver® Cash Rewards Card

Cash Back

15.49% - 25.49% Variable

$0

capital one savor card

Capital One® Savor® Cash Rewards Card

Dining

15.99% - 24.99% Variable

$95

capital one secured credit card

Capital One® Platinum Credit Card

Fair Credit

26.99%

Variable

$0

journey student credit card

Journey® Student Rewards from Capital One®

Students

26.99%

Variable

$0

capital one spark cash ccard

Capital One® Spark® Cash for Business

Small Business

18.49%

Variable

$95


Which Capital One Card Is Best For You?

The specific Capital One credit card you choose is going to be based on your particular lifestyle and what you currently need. Below are a few examples of what might work for you: 

You Love To Dine Out

If you are all about the food life and being a self-proclaimed food critic, then you are probably going to get the best results from the Savor Cash Rewards Card that gives 4% back on dining out and entertainment.  

And here’s the thing, if you want to avoid an annual fee, you can get the SavorOne card; however, you only get 3% cash back for dining and entertainment with that card. The best thing is that either way you go, it’s unlimited cashback.

You’re A Non-Stop Traveler 

There is probably no better travel card than the Venture Rewards card if you are going to be hopping on either domestic or international flights. If you find that you don’t travel too often, however, the VentureOne Rewards could be best for you since it doesn’t come with an annual fee. 

You Prefer Cash Back

If you need a cashback card that is super simple and doesn’t take much thought about how the rewards will work, then you need either The Quicksilver or QuicksilverOne card. 

They both offer the same cashback; however, the QuickSilver one has an annual fee and no-sign up bonus; but allows you to get approved with “Fair” credit. 

You Are New To Credit

The best overall card to choose from if you are new to credit is the Capital One Platinum Card. The Platinum card won’t give you all the bells and whistles that you get from let’s say a Quicksilver; however, it will help you to establish a stronger credit profile and give you an unsecured credit card.

You Need To Build Credit

The Capital One Secured MasterCard is going to be the best option for you if you have bad credit or need to rebuild your credit. It’s probably one of the best secured credit card options available on the market. It offers one of the lowest security deposits and also the ability to have a credit limit increase after a few on-time payments.

You Own A Small Business

If you are a small business owner, then the Spark Business cards will work best for you. There is one for Cash Back (Spark Cash For Business), Travel (Spark Miles For Business), and then the traditional Spark Classic card. You will get an annual fee; however, these are some fo the best cards for small business owners.

How To Redeem Capital One Rewards

It’s relatively easy to redeem the rewards on all of the capital one cards.

You can redeem your cash back on the Savor, Spark Cash, or Quicksilver Cash Back card with automatic redemptions or as a check. There is also an option to redeem them for a statement credit or gift card. 

Redeeming your miles with the Venture or Spark Miles card is as simple as using the purchase eraser as a statement credit. You can also use the points to book a car rental, hotel, or flight.

Extra Benefits Of A Capital One Credit Card

One of the best things about the cards from Capital One is that they don’t charge any Foreign Transaction Fees. They also offer travel accident insurance coverage on the cards as well as: 

Travel & Retail Benefits:

  • Auto rental collision damage waiver for damage due to theft or collision

  • Travel accident insurance for covered losses at no extra charge

  • No Capital One credit card has a foreign transaction fee

  • 24-hour travel assistance for an emergency replacement card or a cash advance

  • An extended warranty at no extra charge

Services

  • CreditWise is offered to allow you to monitor your credit reports

  • Eno allows you to keep tabs on your account and lets you pay your bills

Security

  • Security and account alerts by phone, email or text

  • Fraud coverage with $0 fraud liability

Taking Action

I genuinely believe we have gone over the best Capital One credit cards for 2020 and given you several great options to choose from.

It doesn't matter what your credit needs are; Capital One can help you with their portfolio of strong credit cards.

Now that you have all the information you need to make a decision, it's time to get your card and to start enjoying your rewards.


Click Here to Leave a Comment Below 0 comments

Leave a Reply: