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WalletHub Best Capital One Mastercard Credit Cards
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Capital One Mastercard credit cards combine one of the most popular credit card issuers (Capital One) with one of the most widely accepted card networks in the world (Mastercard). What results is a range of attractive credit card offers with good rewards, low fees and financing promotions.... show more
show lessBest Capital One Mastercards of 2023
- Winner: Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit CardLearn MoreLearn More
- Building Credit: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
- Newcomer Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
- Rebuilding Credit: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
You can learn more about these and other Capital One Mastercards below. You can also check your latest credit score for free on WalletHub to gauge your odds of approval. But unless you have a specific reason for seeking out a card from a particular issuer or network, you should avoid limiting your options.
CAPITAL ONE MASTERCARD
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- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- High regular APR
- No reduced introductory rates
- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
- Up to 5% back on Walmart purchases
- No annual fee
- No foreign transaction fee
- No promotional financing offers
- Above-average regular APR
- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign fee
- $39 annual fee
- Above-average regular APR
- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
Best Capital One Mastercards in 2023
The best Capital One Mastercard is the Capital One Savor Cash Rewards Credit Card because it offers an initial bonus of $300 for spending $3,000 in the first 3 months, plus ongoing rewards of 1 - 5% cash back. The card does have an annual fee of $95, but it can be well worth the cost.There are other options, though, and the right one for you will depend on your credit standing and spending habits. A credit card with great terms won’t do you any good if you can’t get approved for it, after all. And bonus rewards at restaurants won’t mean much if you never eat out, for example.
To help you find the right fit, WalletHub’s editors compared all of the Capital One Mastercard credit cards in our database of 1,500+ offers. And we picked our favorites by category.
Best Capital One Mastercards Comparison
| Card Name | Best For | Annual Fee | Min. Credit Required |
| Winner | Capital One Savor Cash Rewards Credit Card | $95 | Good |
| Building Credit | Capital One Platinum Credit Card | $0 | Limited History |
| Newcomer Rewards | Capital One QuicksilverOne Cash Rewards Credit Card | $39 | Limited History |
| Rebuilding Credit | Capital One Quicksilver Secured Cash Rewards Credit Card | $0 | Bad |
It’s also worth noting that the best Capital One credit card for your needs may not be a Mastercard. In fact, Capital One’s most popular rewards cards – including Venture and Quicksilver – are on the Visa network. So you’d be wise to peruse the best Capital One Visa cards before submitting an application.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Capital One Mastercard Credit Cards FAQ
Comparing capital one mastercard can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Is Capital One Visa or Mastercard? Reply
Capital One cards can be on the Visa or Mastercard network. Both Visa and Mastercard are accepted pretty much everywhere worldwide and both card networks offer good benefits, so it doesn't really matter whether your Capital One credit card is a Visa or a Mastercard.
The best Capital One Mastercard is the Capital One Savor Cash Rewards Credit Card. This card offers a bonus of $300 for spending $3,000 in the first 3 months. Plus, the card gives 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats). Capital One Savor has a $95 annual fee.
The best Capital One Visa is the Capital One Venture Rewards Credit Card. The card’s initial bonus is 75,000 miles for spending $4,000 in the first 3 months. This card also gives 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 2 miles per $1 on all other purchases. Capital One Venture annual fee is $39.
Is Capital One Visa changing to Mastercard? Reply
Some Capital One Visa cards have changed from VISA to Mastercard in recent years, including the Capital One Quicksilver Cash Rewards Credit Card. This change only applies to new accountholders, though, and it is not a universal switch for all Capital One Visa cards.
It doesn't make much difference whether a Capital One credit card is a Visa or a Mastercard. Visa and Mastercard are the two most widely-accepted payment networks. They can be used at around 11 million merchants...
Does Capital One offer World Elite Mastercard credit cards? Reply
Capital One does not offer a specific credit card that comes with World Elite Mastercard benefits. The level of benefits that you will get with your Capital One credit card depends mostly on your creditworthiness and your budget. You will find out if your card is a World Elite Mastercard once your application has been approved.
Ways to get a Capital One World Elite Mastercard:
- By applying for a new Capital One Mastercard credit...
Is Capital One Savor a Visa or Mastercard? Reply
Capital One Savor is a Mastercard. That means you can use your Capital One Savor at nearly 11 million merchants nationwide. Plus, you can use it abroad in more than 210 countries and territories.
Here’s what you should know about the Capital One Savor card acceptance:
- Card network-level benefits: Capital One Savor is a World Elite Mastercard. That means it offers the Mastercard network’s highest level of benefits. Notable perks include up to $1 million in travel accident insurance and $1,500 per...
How can I do a balance transfer with the Capital One Platinum card? Reply
You can do a Capital One Platinum balance transfer through your online account, or by calling the number you see on the back of your card. Keep in mind that your Capital One Platinum account may not always be eligible for balance transfers. You can always check for eligibility and any existing offers through your online account.
It is also worth noting that you cannot use balance transfers to pay off another credit card or loan issued by Capital One. Also, the total amount of...
What is the Capital One Mastercard annual fee? Reply
The Capital One Mastercard annual fee is $0, in most cases.
Capital One has a few Mastercard credit cards offering $0 annual fee, like:
- Capital One Platinum Credit Card
- Capital One Platinum Secured Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Cabela's Credit Card
- Union Plus Credit Card
- Saks Fifth Avenue Credit Card
There is one card, however, with a $39 annual fee, the Capital One QuicksilverOne Cash Rewards Credit Card. This one is only worth choosing if you plan on using your card regularly, otherwise I'd opt for one without an annual fee.
What is the Capital One Gold Mastercard credit limit? Reply
The credit limit for the Capital One Gold Mastercard will be determined by a few factors such as your credit score, income and overall creditworthiness.
Once your account is older than 3 months, you can request a credit limit increase online from your account or by calling 1-800-955-7070.
You have the best chances if you pay your bills in full and on time, and keep your credit utilization ratio low.
The best thing about Capital...
Featured Credit Cards
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