Capital One Credit Cards
WalletHub makes it easy to find the best Capital One credit card for you.
Best Capital One Credit Cards
- Capital One Quicksilver Cash Rewards Credit Card: Cash Back
- Capital One Venture Rewards Credit Card: Travel Rewards
- Capital One QuicksilverOne Cash Rewards Credit Card: Fair Credit
- Secured Mastercard® from Capital One: Bad Credit
- Capital One® Savor® Cash Rewards Credit Card: Entertainment
- Journey Student Rewards from Capital One: Students
- Capital One® Spark® Cash for Business: Business
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Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One Quicksilver Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
- No foreign transaction fee
- No annual fee
- See More Details & Reviews About TheCapital One SavorOne Cash Rewards Credit Card
Capital One Platinum Credit Card Capital One Platinum Credit Card

- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
- See More Details & Reviews About TheCapital One Platinum Credit Card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Secured Mastercard® from Capital One Secured Mastercard® from Capital One

- No annual fee
- Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
- Accepted at millions of locations worldwide
- Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
- Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- See More Details & Reviews About TheSecured Mastercard® from Capital One
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

- Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Venture Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card Capital One QuicksilverOne Cash Rewards Credit Card

- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheCapital One QuicksilverOne Cash Rewards Credit Card
Capital One® Walmart Rewards® Mastercard® Capital One® Walmart Rewards® Mastercard®

- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® Walmart Rewards® Mastercard®
Kohl's Credit Card Kohl's Credit Card

- Save 35% on your first purchase using your new Kohl’s Credit Card.
- Earn 5% back in rewards on every qualifying purchase made at Kohl with your new card. Enrollment required.
- Cash promotional events from time to time. During these events, select purchases earn an additional $10 for every $50 spent in a single transaction during the event.
- Enjoy a special anniversary offer every year.
- This card entitles you to extra savings offers throughout the year.
- Spend $600 with your card by the end of the year to receive additional offers throughout the year and enjoy monthly free shipping events.
- Use your Kohl's Cash® with your Kohl's Charge discounts.
- See More Details & Reviews About TheKohl's Credit Card
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7 Best Capital One Credit Cards of 2021

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
The best Capital One credit card for cash back is the Capital One Quicksilver Cash Rewards Credit Card. Quicksilver rewards cardholders at a flat rate, giving 1.5% cash back on all purchases. It also has a $0 annual fee.
Capital One Venture Rewards Credit Card
The best Capital One credit card for travel rewards is the Capital One Venture Rewards Credit Card. Venture offers an initial bonus of up to 100,000 miles for spending $20,000 in the first 12 months of account opening. Or, you can still earn 50,000 miles for making $3,000 in purchases within the first 3 months. 50,000 miles are worth $500 in travel. Cardholders also earn 2 miles per $1 spent on all purchases. Miles can be used to pay for any recent travel purchase.
Capital One QuicksilverOne Cash Rewards Credit Card
The best Capital One credit card for people with fair credit who expect to spend at least $2,600 per year is the Capital One QuicksilverOne Cash Rewards Credit Card. The QuicksilverOne Card offers 1.5% cash back on all purchases but charges a $39 annual fee. So $2,600 spent per year is the breakeven point where the card’s rewards earnings will cover the cost of its annual fee. If you expect to spend less, consider the Capital One Platinum Credit Card, which has no annual fee but gives no rewards, either.
Secured Mastercard® from Capital One
The best Capital One credit card for bad credit is the Secured Mastercard® from Capital One. It has a $0 annual fee, a $200 starting credit limit and a minimum security deposit of $49, $99 or $200.
Capital One® Savor® Cash Rewards Credit Card
For applicants interested in saving extra on dining and entertainment, the best Capital One card is the Capital One® Savor® Cash Rewards Credit Card. It offers unlimited 4% cash back on dining and entertainment purchases, 2% back at grocery stores, and 1% back on everything else. There’s also a $300 initial bonus for new applicants who spend at least $3,000 within 3 months of opening an account. People hesitant to pay the Savor Card’s $95 annual fee, may want to consider the Capital One SavorOne Cash Rewards Credit Card, which has a $0 annual fee but isn’t as generous with the rewards.
Journey Student Rewards from Capital One
College students who want a Capital One credit card should get Journey Student Rewards from Capital One. Journey has a $0 annual fee, gives at least 1% cash back on all purchases (1.25% when you pay the monthly bill by the due date), and accepts applicants with limited or no credit.
Capital One® Spark® Cash for Business
It’s a close call, but the best Capital One business credit card is Capital One® Spark® Cash for Business. Spark Cash gives unlimited 2% cash back on purchases, plus an initial bonus of $500 for spending $4,500 in the first 3 months of opening an account. Most small business owners will probably get more from cash back, but those who travel frequently should also consider Capital One® Spark® Miles for Business.
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
Credit Card | Best For | Min. Credit Required | Editor's Rating |
Capital One Quicksilver Cash Rewards Credit Card | Cash Back | Good | 4.4 / 5 |
Capital One Venture Rewards Credit Card | Travel Rewards | Good | 5.0 / 5 |
Capital One QuicksilverOne Cash Rewards Credit Card | Fair Credit | Limited History | 4.7 / 5 |
Secured Mastercard® from Capital One | Bad Credit | Bad | 5.0 / 5 |
Capital One® Savor® Cash Rewards Credit Card | Dining & Entertainment | Good | 5.0 / 5 |
Journey Student Rewards from Capital One | Students | Limited History | 5.0 / 5 |
Capital One® Spark® Cash for Business | Business | Good | 5.0 / 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 interest
- Capital One credit card benefits
- Capital One credit card credit limits
- Capital One credit cards merge
- 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 Secured Mastercard® from Capital One 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 interest
Capital One credit card interest rates can be as low as 0% for a limited time or as high as 26.99% (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.
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 cards merge
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 Card, Capital One cards co-branded with major retailers, or Capital One business credit cards.
Questions & Answers
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Ask the Experts
- 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?
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Carly Urban
Ph.D., Associate Professor of Economics, Montana State University
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Paul Kurnit
Clinical Professor of Marketing, Pace University - Lubin School of Business
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Laurel Aynne Cook
Ph.D., Assistant Professor of Marketing, AMA Faculty Advisor, John Chambers College of Business & Economics, Department of Marketing, West Virginia University
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Vanja Djuric
Associate Professor of Practice, Director of Research & Analytics, College of Business Administration at The University of Akron
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Sujata Ramnarayan
Ph.D., Associate Professor, College of Business and Management, Chair, Undergraduate Day Business Program, Notre Dame De Namur University
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Robert A. Bergman
Assistant Professor – Marketing, Director – Student Internships, Director – Sales Excellence Program, Lewis University, College of Business
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