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Whether you want travel rewards or cash rewards, the best Capital One credit cards offer some of the highest purchase rewards for daily spending. International travelers will also relish the fact that none of the Capital One credit cards charge a foreign transaction fee.
Your approval odds are best when you have a minimum , but others report getting approved with a low 700s credit score albeit with a lower credit limit. If you don’t have excellent credit yet, Capital One offers other some of which don’t charge an annual fee or foreign transaction fee.
Best Capital One Credit Cards – Travel Rewards: Capital One Venture
The Capital One® Venture® Rewards Credit Card is Capital One’s flagship travel rewards card. You earn unlimited 2x rewards miles for every dollar spent. Through January 2020, you earn 10x miles on all Hotels.com purchases.
Your point redemption options include travel statement credits and booking award flights. You will have a lot of flexibility when redeeming your points for travel statement credits without a redemption minimum and booking award flights without blackout dates.
A “new for 2019” redemption option is the including Emirates, Singapore Airlines, and Air France/KLM. Most of the transfer partners have a 2 Venture miles to 1.5 airline miles which aren’t the best transfer ratio compared to Chase or American Express, but it can be a better redemption option when booking international flights.
New cardmembers can spend $3,000 in the first 3 months to receive a signup bonus of 50,000 bonus miles worth $500. Capital One also waives the $95 annual fee for the first year.
Another travel benefit you might enjoy includes a $100 application fee credit for your Global Entry or TSA PreCheck application.
Best Capital One Credit Cards – Lifestyle Rewards: Capital One Savor
A newer trend for rewards credit cards is earning bonus points on lifestyle purchases. The offers unlimited tiered rewards on the following purchases:
-8% back on tickets at Vivid Seats (through May 2020)
-4% back on dining and entertainment
-2% back on groceries
-1% back on all remaining purchases
Through December 2019, Capital One also covers your Postmates Unlimited monthly membership fee. This perk saves you $9.99 monthly delivery fees with each Postmates order larger than $15.
The current new cardmember offer is $300 bonus cash after spending $3,000 in the first 3 months. And Capital One waives the $95 annual fee for your first year.
You can redeem your rewards points for cash back in any amount with the Capital One® Savor® Cash Rewards Credit Card.
Best Capital One Credit Cards – Cash Rewards: Capital One Quicksilver
For flat rate cash rewards, the Capital One® Quicksilver® Cash Rewards Credit Card is one of the better options. You earn unlimited 1.5% cash back on each purchase. This is the standard rate for the best cash back credit cards. What helps distinguish the Quicksilver from other is you won’t pay a foreign transaction fee.
You earn a $150 cash bonus after spending $500 in the first 3 months. Capital One lets you redeem your cash rewards in any award amount.
It’s possible to get more value from the Capital One Venture if you travel on a regular basis. But if you prefer the flexibility of cash rewards or want to avoid paying an annual fee, the Quicksilver makes it easy to maximize your spending power.
Best Capital One Credit Cards – Building Credit: Capital One Platinum
When you have a low credit score, it can seem like most cards charge an annual fee. The Capital One® Platinum Credit Card doesn’t.
Although you won’t earn purchase rewards by owning the Capital One Platinum, it’s a free way to build credit by paying your balance in full every month.
If you have “average credit” with a credit score in the 600s or less than 3 years of credit history, you can pursue the unsecured Capital One Platinum. With an unsecured card, you won’t have a security deposit that secured credit cards require. After your first 5 monthly payments, Capital One will review your account and consider increasing your credit line which can make it easier to improve your credit score by reducing your credit utilization ratio.
When you have no credit, need to rebuild your credit, or have a credit score below 600, the Capital One® Secured Mastercard® is a better fit. This version of the Platinum Mastercard that requires a refundable security deposit of $49, $99, and $200 and will get you an initial $200 credit line. After 5 months of timely payments, Capital One will consider increasing your credit line.
Best Capital One Credit Cards – Business Rewards: Spark Business
If you’re in the market for a the Spark Business lineup lets you earn up to 2 miles per $1 spent. You will need to decide whether you want to earn travel rewards (Spark Miles) or cash rewards (Spark Cash).
The Capital One® Spark® Miles for Business has similar travel redemption options as the personal Venture Miles card for travel statement credits, award flights, and point transfers. You’ll also receive up to $100 credit to use towards one Global Entry or TSA PreCheck application fee.
With the Capital One® Spark® Cash for Business, you can redeem your points for any amount in cash rewards. Either card award new cardmembers a $500 bonus (Spark Cash) or 50,000 miles (Spark Miles) after spending $4,500 in the first 3 months. Your introductory annual fee is $0 during the first year then $95 each following year.
If you don’t want to pay an annual fee, you can get the Capital One® Spark® Miles Select for Business or Capital One® Spark® Cash Select for Business. Both cards earn unlimited 1.5 miles per $1 spent. The signup bonus is $200/20,000 miles after spending $3,000 in the first 3 months.
Even if you only have average credit, the Capital One® Spark® Classic for Business lets you earn 1% cash back on every purchase and doesn’t charge an annual fee. This is different than the fee-free personal Capital One credit cards intended for those with average credit that don’t earn purchase rewards.
Like the personal Capital One credit cards, none of the Spark business credit cards charge a foreign transaction fee.
Best Capital One Credit Cards Summary
The best Capital One credit cards can be the best fit if you prefer flat rate rewards or never want to pay an annual fee. Before applying, you will need to decide if you want to receive travel rewards or cash rewards. After that, it’s easy to effortlessly earn and redeem rewards by using your card on your daily spending.
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