Best Capital One Credit Cards in 2020

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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.

capital one credit cardsYou’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.

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

Type Personal
Category Travel Rewards
Rewards Rate Unlimited 1.25 miles per dollar on purchases
Credit 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
Annual Fee $0

Capital One VentureOne Rewards Credit Card

Bonus: 20,000 miles*

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Noteworthy Features: VentureOne® miles can now be redeemed at one of 10+ travel partners. It also includes 24/7 emergency assistance & trip accident insurance.

Capital One® Platinum Credit Card

Type Personal
Category Credit Building
Rewards Rate N/A
Credit Needed Average – Fair
Welcome Bonus N/A
Annual Fee $0

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 Platinum Credit Builder Card

Bonus: N/A

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Noteworthy Features: Use this credit card to build your credit – Increase your credit line after five consecutive, on-time payments. $0 Fraud Protection Coverage.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Type Personal
Category Cash Rewards
Rewards Rate 1.5% cash back on purchases
Credit Needed Fair
Welcome Bonus N/A
Annual Fee $39

Capital One Quicksilverone Credit Card

Bonus: N/A

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Noteworthy Features: Use to build your credit – Increase your credit line after five consecutive, on-time payments. $0 Fraud Protection Coverage.

Capital One® Savor® Cash Rewards Credit Card

Type Personal
Category Cash Rewards
Rewards Rate Unlimited 4% cash back on dining and entertainment. 2% cash back at grocery stores. 1% cash back on all other purchases.
Credit Needed Excellent
Welcome Bonus $300 cash bonus after you spend $3,000 in the first three months.
Annual Fee $95, waived in the first year

capital one savor cash rewards credit card

Bonus: $300 cash*

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Noteworthy Features: Concierge service that delivers personalized assistance in dining, entertainment, and travel. 24-hour Travel Assistance Services and travel accident insurance.

Capital One® Quicksilver® Cash Rewards Credit Card

Type Personal
Category Cash Rewards
Rewards Rate Unlimited 1.5% cash back on every purchase
Credit Needed Good
Welcome Bonus $150 cash bonus after you spend $500 on purchases within the first three months.
Annual Fee $0

Read our Capital One Quicksilver Review.

Capital One Quicksilver Credit Card

Bonus: $150 cash*

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Noteworthy Features: One of the best flat-rate cash back rewards credit cards.

Capital One® Venture® Rewards Credit Card

Type Personal
Category Travel Rewards
Rewards Rate Unlimited 2X miles on all purchases, no expiration.
Credit Needed Good – 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.
Annual Fee $95, waived in the first year

Capital One Venture Rewards credit card

Bonus: 50,000 miles*

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Noteworthy Features: Includes a $100 reimbursement credit for a Global Entry or TSA Pre✓® application fee. Trip accident insurance, travel interruption insurance, auto rental collision damage waiver. VentureOne® miles can now be redeemed at one of 10+ travel partners.

Capital One® Spark® Cash for Business

Type Business
Category Cash Rewards
Rewards Rate Unlimited 2% cash back on all purchases.
Credit Needed Good – Excellent
Welcome Bonus $500 cash bonus once you spend $4,500 on purchases within the first three months.
Annual Fee $95, waived the first year

Capital One Spark cash for Business

Bonus: $500 cash*

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Noteworthy Features: This card allows business owners to set customized spending limits for each employee. Employees can be added at no additional cost. Top-of-the-line reports, summaries, and accounting records to help keep your business on track.

Capital One® Spark® Miles for Business

Type Business
Category Travel Rewards
Rewards Rate Unlimited 2X travel rewards for your business.
Credit Needed Good – Excellent
Welcome Bonus 50,000 miles – equal to $500 in travel – after spending $4,500 on purchases in the first 3 months.
Annual Fee $95, waived the first year.

Capital One Spark Miles for Business

Bonus: 50,000 miles*

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Noteworthy Features: Receive up to $100 credit for Global Entry or TSA Pre✓® when you use your Spark Miles card. No blackouts or seat restrictions. Set customized spending limits for each employee.

Journey® Student Rewards from Capital One®

Type Student Credit Cards
Category Cash Rewards
Rewards Rate 1% cash back on all your purchases, which can be increased to 1.25% after consecutive on-time payments.
Credit Needed Fair
Welcome Bonus N/A
Annual Fee $0

journey student card from capital one

Bonus: N/A

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Noteworthy Features: Increased credit line after 5 months of on-time payments, access to Capital One Credit Wise for fraud protection, credit monitoring, and zero liability in the case of theft.

FAQs

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.

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.

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.

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.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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