Marshall Jamieson, WalletHub Finance Consultant
@bergman77
Capital One credit card interest rates range from 0% (for a limited time) to 29.99% (V), depending on the card and the cardholder’s creditworthiness. The best Capital One credit card for low interest rates is the Capital One Quicksilver Cash Rewards Credit Card because it offers 0% APR for 15 months on purchases and balance transfers, followed by a regular APR as low as 19.74% - 29.74% (V). This card also has a $0 annual fee.
The Capital One credit cards with the highest interest rates are the Capital One Platinum Secured Credit Card (29.99% (V)) and the Capital One Platinum Credit Card (29.99% (V)). They’re also the easiest to get. The Capital One Platinum Credit Card accepts applicants with limited, while Capital One Platinum Secured Credit Card accepts people with bad or bad credit.
Most Capital One credit card interest rates are listed as a range, such as 14.74% - 24.74% (V). The better an applicant’s credit is, the better their chances will be of getting a rate at the low end of the range. All Capital One credit card interest rates are variable, meaning they can go up or down as the market changes.
2023 Capital One Credit Card Interest Rates:
- Capital One Quicksilver Cash Rewards Credit Card: 0% for 15 months on purchases and balance transfers; 19.74% - 29.74% (V) regular APR
- Capital One Venture Rewards Credit Card: 20.74% - 28.74% (V) regular APR
- Capital One SavorOne Cash Rewards Credit Card: 0% for 15 months on purchases and balance transfers; 19.74% - 29.74% (V) regular APR
- Capital One Savor Cash Rewards Credit Card: 20.74% - 28.74% (V) regular APR
- Capital One Platinum Credit Card: 29.99% (V) regular APR
- Capital One Platinum Secured Credit Card: 29.99% (V) regular APR
- Capital One Spark Cash Select for Excellent Credit: 17.99% - 23.99% (V) regular APR
- Capital One Spark Miles Select for Business: 17.99% - 23.99% (V) regular APR
- Capital One® Spark® Cash for Business: 20.99% (V) regular APR
- Capital One Spark Miles for Business: 25.74% (V) regular APR
- Capital One Spark Classic for Business: 29.99% (V) regular APR
Capital One also has a number of store branded credit cards, which can only be used at specific retailers. The interest rates for these Capital One store cards range from a low of 19.99% - 31.74% (V) on the Cabela's Credit Card to a high of 29.99% (V) on the Maurices Credit Card.
Your Capital One credit card interest rate will be clearly indicated on your monthly statement. Keep in mind that there’s also a separate interest rate for cash advances. And there’s a penalty rate for missing payments. Expect both of these rates to be equal to or higher than the regular interest rate.
2023's Best Capital One Credit Cards
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What credit score do you need for a Capital One credit card?
You need a credit score of at least 700 (good credit) for the best Capital One credit card offers. However, other options are available for people with lower scores. It is possible to get approved for a credit card from Capital One with limited credit history or a bad credit score, for example.
Capital One Credit Score Requirements by Card
- Capital One Venture Rewards Credit Card: 700 (Good credit)
- Capital One VentureOne Rewards Credit Card: 700 (Good credit)
- Capital One Quicksilver Cash Rewards Credit Card: 700+ (Good credit)
- Capital One SavorOne Cash Rewards Credit Card:...
How can I lower the interest rate on my Capital One credit card?
One way to lower the interest rate on a Capital One credit card is to call customer service and try to negotiate a reduced rate. Alternatively, if your financial situation is especially dire, Capital One offers a credit card hardship program.
Ways to get a lower Capital One credit card interest rate:
- Call customer service. Once you’re connected to a representative who can negotiate your interest rate, state your reason for seeking a reduced APR. If...
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