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Whether you’re a student with scant credit history or a world-traveling travel rewards savant, Capital One has a credit card for you.
You’ve likely heard the catchphrase, “What’s in your wallet?” and, the fact is – Just about everyone could answer that question with “Capital One.”
One of the reasons that Capital One is one of the most commonly used credit cards is because of its no foreign transaction fee policy that lets you use your credit card anywhere in the world without additional fees.
For this reason, a Capital One credit card could help grow the college student studying abroad with little discretionary income into an elite travel reward earner in only a few years.
Is a Capital One Credit Card a Good Card?
Yes, Capital One offers competitive credit cards in nearly every segment — from secured card for consumers with poor credit to straightforward cash and travel rewards cards with generous perks.
When choosing a credit card, it often is less about whether a card is “good” but rather “good for YOU.”
But since Capital One’s credit card product line is so comprehensive, we’re confident that just about anyone can find a Capital One card to suit their needs.
Best Capital One Credit Cards
Interested in seeing the full spread of best credit cards offered by Capital One? Here are our top picks, from personal credit cards to business credit cards, and even student credit cards.
- Capital One® VentureOne® Rewards Credit Card
- Capital One® Platinum Credit Card
- Capital One® QuicksilverOne® Cash Rewards Credit Card
- Capital One® Savor® Cash Rewards Credit Card
- Capital One® Quicksilver® Cash Rewards Credit Card
- Capital One® Venture® Rewards Credit Card
- Capital One® Spark® Cash Select for Business
- Capital One® Spark® Miles Select for Business
- Journey® Student Rewards from Capital One®
Capital One® VentureOne® Rewards Credit Card
- No Annual Fee
- Learn More >>
Category: Personal Credit Card (Travel Rewards)
Annual Fee: $0
Credit Score Needed: Good, Excellent
Welcome Bonus: 20,000-mile bonus when you spend $1,000 on purchases in the first three months of account opening – equal to $200 in travel and hotel rewards.
Rewards Rate: Unlimited 1.25 miles per dollar on purchases, 10X cash back on purchases through Hotels.com now through January 2020.
Capital One® Platinum Credit Card
- Build credit, no annual fee
- Learn More >>
Category: Personal Credit Card (Basic)
Annual Fee: $0
Credit Score Needed: Average, Fair
Is The Capital One Platinum Card Good?
We hear it all the time, is the capital one platinum card good? The Capital One Platinum is an all-around solid and accessible anchor card in the Capital One product line that sees customers as creditworthy even when their score is not at its peak, or if their credit is just starting.
Beginning with a fair credit score, you can sign up for a Platinum card with a credit limit that’s as low as you need it to be, even as low as $300.
The great news is this – once you make five months of on-time payments, your credit line will start growing with your score.
The Capital One Platinum line is often a credit newcomer’s first introduction to credit cards. Because Capital One knows how to set its customers up for success, the experience can easily be a good one.
With no annual fee and $0 fraud liability coverage, this is an excellent entry card to dip your toe into the Capital One family.
Capital One® QuicksilverOne® Cash Rewards Credit Card
- 1.5% cashback on all purchases
- Learn More >>
Category: Personal Credit Card (Cash Rewards for Fair Credit)
Annual Fee: $39
Credit Score Needed: Fair
Rewards Rate: 1.5% cash back on purchases
Capital One® Savor® Cash Rewards Credit Card
- $300 cash back after spending $3,000 the first 3 months
- Learn More >>
Category: Personal Credit Card (Cash Rewards for Excellent Credit)
Annual Fee: $95, waived in the first year
Credit Score Needed: Excellent
Welcome Bonus: $300 cash bonus after you spend $3,000 in the first three months.
Rewards Rate: Unlimited 4% cash back on dining and entertainment. 2% cash back at grocery stores. 1% cash back on all other purchases.
Capital One® Quicksilver® Cash Rewards Credit Card
- 1.5% cashback, no annual fee
- Learn More >>
Category: Personal Credit Card (Cash Rewards for Good Credit)
Annual Fee: $0
Credit Score Needed: Good
Introductory Offer: 0% on Purchases and Balance Transfers for the first 15 months.
Welcome Bonus: $150 cash bonus after you spend $500 on purchases within the first three months.
Balance Transfer Fee: 3% in the first 15 months
Rewards Rate: Unlimited 1.5% cash back on every purchase, 365 days of the year
Learn More: Read our Capital One Quicksilver Review.
Is Quicksilver A Good Credit Card?
The next common Capital One credit card is the Capital One Quicksilver.
Again, while it’s less about “good” and “bad” and more about Goldilocks’s philosophy of “just right,” it’s hard to find downsides to the Quicksilver.
It requires a good credit score or higher (in the ballpark of 690 and up), and it delivers an unlimited 1.5% cash back on every purchase throughout the year.
Your cash back never expires, either, making this card a super simple way to reward yourself for everyday spending.
Though other cards in the Capital One line deliver more value in specific areas – like the Venture card, which is currently giving back 10X points on Hotels.com purchases through January 2020, you can’t go wrong with the Quicksilver.
Signing up now comes with a $150 credit card sign-up bonus offer after your first $500 in spending (in the first three months). So if you want a flat-rate cash back card with no frills or hoops, now’s a great time to consider the Quicksilver.
What’s Better: Capital One Platinum or Quicksilver?
While the Platinum is best for people in the credit building phase of life, Quicksilver is best if you want to benefit from flat-rate cash back rewards, and who doesn’t?
If you’ve got the credit score, it’s worth considering the Quicksilver for its 1.5% cash back rewards on every purchase.
Capital One® Venture® Rewards Credit Card
- earn 2X miles on every purchase
- Learn More >>
Category: Personal Credit Card (Travel Rewards)
Annual Fee: $95, waived in the first year
Credit Score Needed: Good to Excellent
Welcome Bonus: 50,000 bonus miles ($500 in travel rewards) after spending $3,000 on purchases within the first three months from account opening.
Rewards Rate: 2X miles on all purchases, with no cap, and10X miles for every dollar spent at Hotels.com from now through January 2020.
Capital One® Spark® Cash Select for Business
- 1.5% cashback, no annual fee
- Learn More >>
Category: Business Credit Card (Cash Rewards)
Annual Fee: $0
Credit Score Needed: Good, Excellent
Welcome Bonus: $200 cash bonus once you spend $3,00 on purchases within the first three months.
Rewards Rate: Unlimited 1.5% cash back on all purchases.
Capital One® Spark® Miles Select for Business
- earn unlimited 2 miles per $1 on all purchases
- Learn More >>
Category: Business Credit Card (Travel Rewards)
Annual Fee: $95, waived in the first year.
Credit Score Needed: Good, Excellent
Welcome Bonus: 50,000 miles – equal to $500 in travel – after spending $4,500 on purchases in the first 3 months.
Rewards Rate: Unlimited 2X Travel Rewards for your business.
Journey® Student Rewards from Capital One®
- earn 1% cashback on all purchases
- Learn More >>
Category: Student Credit Cards
Annual Fee: $0
Credit Score Needed: Fair
Rewards Rate: 1% cash back on all your purchases, which can be increased to 1.25% after consecutive on-time payments.
David Weliver
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