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Best Capital One Credit Cards
WalletHub experts track 1,500+ offers to help you get the right Capital One credit card
Capital One credit cards are available to people of all credit levels, from bad to excellent, and most offer low fees, high rewards rates or both.... show more... show more
show lessBest Capital One Credit Cards of April 2023
Although you need good credit or better to get the best Capital One credit cards, you’re not out of luck if your score is lower. Capital One is one of the only major credit card companies with cards for people of all credit levels, so you should be able to find a Capital One credit card that meets your needs, no matter what they may be.
Below, you can compare Capital One credit card offers to find the right card for your situation.
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $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
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- 40,000 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
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $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
Capital One Platinum Credit Card Capital One Platinum Credit Card

- 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
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

- 75,000 miles initial bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
- Terrible cash back redemption rate
- Monthly earnings are lost when bill payments are late
- Not built for financing
Capital One Venture X Rewards Credit Card Capital One Venture X Rewards Credit Card

- 75,000-mile initial bonus
- 2 - 10 miles per $1 spent on purchases
- Annual statement credit & bonus opportunities
- Airport lounge access
- $395 annual fee
- Not good for financing
- Requires excellent credit
Capital One Platinum Secured Credit Card Capital One Platinum Secured Credit Card

- No annual or monthly fees
- Starting credit line $200
- Great for credit-building
- No rewards
- Higher-than-average interest rate
Capital One Walmart Rewards® Mastercard® Capital One Walmart Rewards® Mastercard®

- Up to 5% back on Walmart purchases
- No annual fee
- No foreign transaction fee
- No promotional financing offers
- Above-average regular APR
Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card

- 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
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card

- Great rewards
- No annual fee
- Relatively low minimum deposit
- Qualify with limited credit history
- High interest rate
Why people trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best Capital One credit cards.
Our picks of the best Capital One credit cards

To help you find the best Capital One credit card for your needs, WalletHub’s editors compared all of the available offers based on their rewards, fees, rates and approval requirements. We then selected the top Capital One Credit Cards in the most popular categories. Below, you can learn a bit about each of WalletHub’s picks.
Capital One Quicksilver Cash Rewards Credit Card
Why We Like It: The Capital One Quicksilver Cash Rewards Credit Card is the best Capital One credit card for most people because it has a $0 annual fee and gives 1.5 - 5% cash back on purchases. The Quicksilver Card’s $200 initial bonus is easy to earn, too, requiring $500 spent on purchases within 3 months of opening an account.
Plus, there’s an introductory APR of 0% for 15 months on purchases and balance transfers.
What We Don’t Like: The regular APR that takes effect after the introductory promotion ends is quite high. Plus, you have to book travel through Capital One to get the 5% bonus rewards rate.
Who Should Get It: You should apply for the Capital One Quicksilver Card if you want a good all-around credit card that provides cash back rewards at a competitive rate, has a low-interest promotion, and does not charge an annual fee.
Alternatives to Consider: The Wells Fargo Active Cash® Card is another elite cash back credit card with no annual fee. It has a flat rewards rate on all purchases. You should also consider Chase Freedom Unlimited®.
Capital One QuicksilverOne Cash Rewards Credit Card
Why We Like It: The Capital One QuicksilverOne Cash Rewards Credit Card offers 1.5% cash back on all purchases except for travel booked through Capital One, which gets you 5% back.
What We Don’t Like: There is a $39 annual fee. Considering the card’s standard rewards rate, you’ll have to spend $2,600 per year for rewards to cover the cost of the annual fee. You also have to pay the bill in full every month, or else the card’s high APR will erode your savings.
Who Should Get It: The QuicksilverOne Card is the best Capital One credit card for people with fair credit who expect to spend at least $2,600 per year.
Alternatives to Consider: If you’re a light-spender, consider the Capital One Platinum Credit Card, which has no annual fee but gives no rewards, either.
Capital One Venture Rewards Credit Card
Why We Like It: The Capital One Venture Rewards Credit Card is the best Capital One credit card for travel rewards. Venture offers an initial bonus of 75,000 miles for making $4,000 in purchases within the first 3 months, worth $750 in travel. Cardholders also earn 2 - 5 miles per $1 spent on purchases. Miles can be used to pay for any recent travel purchase.
What We Don’t Like: The Venture Card charges an annual fee of $95. It also has a high APR.
Who Should Get It: Apply for the Capital One Venture Card if you like to travel but don’t always use the same airline, hotel chain, etc. You should also plan to pay the bill in full every month to avoid expensive interest charges, and you will need at least good credit for approval.
Alternatives to Consider: Capital One Venture X Rewards Credit Card is a highly rewarding alternative for big-spenders. The Chase Sapphire Preferred® Card is a more moderately priced option.
Capital One Quicksilver Secured Cash Rewards Credit Card
Why We Like It: The Capital One Quicksilver Secured Cash Rewards Credit Card is the best Capital One credit card for bad credit because it has a $0 annual fee and good rewards. Cardholders earn 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
What We Don’t Like: You have to place a $200+ security deposit. Plus, your spending limit equals the amount of the deposit.
Who Should Get It: You should apply for the Capital One Quicksilver Secured if you want to build or rebuild your credit inexpensively.
Alternatives to Consider: There are several attractive secured cards to choose from right now, including the Capital One Platinum Secured Credit Card.
Capital One Quicksilver Student Cash Rewards Credit Card
Why We Like It: The Capital One Quicksilver Student Cash Rewards Credit Card has a $0 annual fee, gives 1.5 - 5% cash back, and accepts applicants with limited or no credit. There’s even an initial bonus of $50 for spending $100 in the first 3 months.
What We Don’t Like: This card has a high APR, so you should plan to pay the bill in full monthly to avoid expensive interest charges.
Who Should Get It: Consider applying for the Capital One Quicksilver Student Card if you’re a student who wants to earn rewards at an above-average rate.
Alternatives to Consider: Capital One’s other student credit cards – the Capital One SavorOne Student Cash Rewards Credit Card and Journey Student Rewards from Capital One – are excellent options, too.
Capital One Venture X Rewards Credit Card
Why We Like It: Capital One Venture X offers 75,000 miles for spending $4,000 in the first 3 months. The card also has ongoing rewards of 2 - 10 miles per $1, and various travel-related perks. For example, Venture X gets you into 1,300+ airport lounges worldwide, and you can get hundreds of dollars in travel credits per year.
What We Don’t Like: Venture X has an annual fee of $395.
Who Should Get It: The Capital One Venture X Rewards Credit Card is the best Capital One credit card for big-spenders because it offers a ton of rewards value but requires you to spend a lot to maximize your earnings.
Alternatives to Consider: Chase Sapphire Reserve® and the American Express Platinum card are luxury travel rewards cards, too.
For your convenience, we’ll summarize our picks for the best Capital One credit cards by major category below. If you’re not sure what type of credit card you’ll be able to get approved for, you can check your latest credit score for free on WalletHub.
Best Capital One Cards Comparison
Credit Card | Best For | Min. Credit Required | Editor's Rating |
Capital One Quicksilver Cash Rewards Credit Card | Winner | Good | 4.4/5 |
Capital One QuicksilverOne Cash Rewards Credit Card | Fair Credit | Limited History | 4.7/5 |
Capital One Venture Rewards Credit Card | Travel Rewards | Good | 5/5 |
Capital One Quicksilver Secured Cash Rewards Credit Card | Bad Credit | Bad | 5/5 |
Capital One Quicksilver Student Cash Rewards Credit Card | Students | Limited History | 4.8/5 |
Capital One Venture X Rewards Credit Card | Big-Spenders | Excellent | 4.8/5 |
Once you find the best Capital One card for your needs, you can compare it to the market’s top offers overall to make sure you’re getting the best deal.
Learn more about Capital One credit cards
Capital One credit cards tend to be among the most popular credit cards on the market, especially when it comes to attractive rewards and low-cost credit-building. But even though it’s a big name, there’s probably still a lot you don’t know about Capital One and its credit card offers. Below, we’ll highlight some key areas so you can be as informed as possible before you apply.
- Capital One credit card credit scores
- Capital One credit card credit limits
- Capital One credit card interest
- Capital One credit card benefits
- Merge Capital One credit cards
- Maximum number of Capital One credit cards
Capital One credit card credit scores
Capital One’s credit score requirements vary by card. But there is at least one Capital One card available to people with each type of credit score, from bad scores all the way to excellent scores. The Capital One Quicksilver Secured Cash Rewards Credit Card is the best Capital One credit card for people with low credit scores or no credit history. On the other end of the spectrum, the best Capital One cards overall – including Venture, Savor and Quicksilver – require good or excellent credit for approval.
You can check your latest credit score for free on WalletHub to estimate your odds of getting a Capital One credit card. Similarly, Capital One offers free credit score access through its CreditWise product.
Capital One credit card credit limits
The credit limits on Capital One credit cards are determined based on a review of applicants’ credit history and ability to pay. Minimum credit limits are disclosed in the terms and conditions for some, but not all, Capital One credit card offers.
Capital One credit card interest
Capital One credit card interest rates can be as low as 0% for a limited time or as high as 29.74% (V), depending on the card. Cardholders who pay their full statement balance by the due date each month will not have to pay interest charges.
Capital One credit card benefits
Capital One credit card benefits range from great rewards, low fees, and cards for people of all credit levels to a $0 fraud liability guarantee and secondary benefits such as travel insurance. At least one Capital One credit card ranks in the top five in WalletHub’s in-depth studies on four of the six major secondary benefits commonly found on credit cards: rental car insurance, price protection, extended warranty and travel insurance. Capital One credit cards do not provide return protection, and the company’s purchase protection program ranks closer to the bottom of the pack than the top. For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Merge Capital One credit cards
People with multiple Capital One credit cards were previously able to merge those accounts, for the simplicity of a single account with the combined credit limits of the original cards. Capital One discontinued this feature in 2019, however, and there is no indication when or if it will return.
Maximum number of Capital One credit cards
The maximum number of Capital One credit cards that an individual can have is two. This limit does not apply to the Capital One secured cards, Capital One cards co-branded with major retailers, or Capital One business credit cards.
How we picked the best Capital One credit cards
To identify the best Capital One credit cards, WalletHub’s editors regularly compare all of the credit card offers issued by Capital One from our database of 1,500+ cards. Capital One offers credit cards for people of all credit levels, as well as cards for small business owners, so we select the top options in each category.
These selections are based on how much money each card is likely to save its target user, considering spending data from the Bureau of Labor Statistics. The specific factors considered for each selection also depend on how the card is intended to be used. Expected rewards value after fees is most important for rewards cards, for example, while approval requirements and annual fees are paramount for people focused on building credit.
The competition
There are lots of really good Capital One credit card offers on the market right now. The following offers didn’t quite make the cut for our editors’ best-card selections, but they can still save cardholders a lot of money.
Info | ![]() Capital One Spark Cash Plus | ![]() Capital One Savor Cash Rewards Credit Card | ![]() Capital One VentureOne Rewards Credit Card |
---|---|---|---|
Annual Fee | $150 | $95 | $0 |
Bonus Offer | $1,000 | $300 | 40,000 miles |
Rewards Rate | 2 - 5% Cash Back | 1 - 5% Cash Back | 1.25 - 5 miles / $1 |
Purchase Intro APR | N/A | N/A | 0% for 18 months |
Transfer Intro APR | N/A | N/A | 0% for 18 months Transfer Fee: 3% |
Regular APR | Not Applicable | 20.24% - 28.24% (V) | 19.24% - 29.24% (V) |
Editors' Rating | 4.8 | 5 | 4.5 |
Details, Rates & Fees | Learn More | Learn More | Learn More |
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best Capital One credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
Best Capital One Credit Cards FAQ
Comparing capital one credit cards 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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Expert Opinions
- What can we learn from Capital One’s marketing strategies, particularly its television advertising?
- Capital One is one of just a few credit card companies that offer cards to people of all credit levels and do not charge foreign transaction fees on any of them; how do they manage to do that and turn a profit?
- Which do you think sounds like more value to the average consumer: double miles or 2% back?
Senior Professional Lecturer, DePaul University, College of Communication
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Distinguished University Professor and David Bruce Smith Chair in Marketing, Executive Director, Center for Excellence in Service, Department of Marketing, Robert H. Smith School of Business, University of Maryland
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Ph.D., Associate Lecturer and Entrepreneur-in-Residence, Direct Selling Education Foundation Fellow, The Florida State University, College of Business, Department of Marketing
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Ph.D., Assistant Professor of Marketing, Shidler College of Business, University of Hawaiʻi at Mānoa
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Lecturer, Northeastern University - D'Amore-McKim School of Business
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Assistant Professor of Marketing, Kennesaw State University, Coles College of Business
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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