Your Account Hasnt Been Used Capitalone Live Again
Best for dining and entertainment rewards
Savor Rewards Credit Card *
Up to 8X Reward Rate
Earn 8% cash back on the Capital One Entertainment ticketing platform and on Vivid Seats ticket purchases, 5% cash backRead More
Welcome Bonus
One-time $300 cash bonus
Regular APR
16.24% - 24.24% variable
Credit Score
Good/Excellent (700 - 749)
Why We Picked It
The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. It's easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cash back on all other purchases.
Pros & Cons
- 4% cash back on eligible categories
- Entertainment is a rare rewards category
- No foreign transaction fees
- Unlimited reward earnings
- Annual fee
- No introductory APR for purchases or balance transfers
- Higher standard APR
Card Details
- Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Earn 8% cash back on purchases made through the Capital One Entertainment ticketing platform and on Vivid Seats ticket purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Earn unlimited 4% cash back on dining, entertainment and popular streaming services
- Earn unlimited 3% cash back at grocery stores
- Earn unlimited 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
Best for Walmart
Capital One® Walmart Rewards® Card *
Up to 5% Reward Rate
Earn 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery; Earn 2% back on restaurantsRead More
Welcome Bonus
5% cash back for the first 12 months
Regular APR
17.99% - 26.99% variable
Credit Score
Fair (650 - 699)
Why We Picked It
The card offers excellent rewards for those who frequently shop at Walmart, particularly online. With no annual fee, it's a sweet deal to earn up to 5% cash back.
Pros & Cons
- Up to 5% cash back at Walmart.com
- 2% cash back at restaurants and travel
- No annual fee or foreign transaction fee
- Base reward rate of 1% could be better
- High to very high APR, depending on creditworthiness
- No intro APR offer
Card Details
- Earn 5% cash back in Walmart stores for the first 12 months when you use your Capital One® Walmart Rewards
- 17.99% – 26.99% Variable APR on purchases and balance transfers
- No annual fee
- 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery
- 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA Fuel Stations
- 1% back everywhere else Mastercard® is accepted
- Ways to redeem rewards: Use rewards during checkout at Walmart.com, redeem for a purchase, get an account credit, redeem for gift cards from Walmart or other retailers, or redeem for flights, hotels, and car rentals
- $0 fraud liability: If your card is ever lost or stolen, you won't be responsible for fraudulent purchases
- Capital One Mobile app: Pay your bill, get real-time purchase notifications, lock or unlock your card and more.
Best for home furnishings rewards
Key Rewards Visa *
Up to 5% Reward Rate
Earn 5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excludes fast food)Read More
Regular APR
25.24% variable
Credit Score
Good/Excellent (700 - 749)
Why We Picked It
If you're a frequent re-doer or you're furnishing a home from top-to-bottom and want to only do it with items from this family of companies, you can find value in choosing the rewards or financing options with the card.
Pros & Cons
- 5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excludes fast food) and 1% back on everything else
- 10% back across seven brands for the first 30 days from account opening
- 12-month promotional financing on purchases of $750 or more
- No annual fee
Card Details
- Earn 10% back across seven brands for your first 30 days from account opening
- Earn 5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excludes fast food) and 1% back on everything else
- 25.24% variable APR on purchases and balance transfers
- No annual fee
Best for businesses that want a flat-rate rewards card
Spark Cash Select from Capital One *
Up to 5% Reward Rate
Earn 1.5% cash back on all purchases. Plus, earn unlimited 5% cash back on hotels and rental cars booked throughRead More
Regular APR
13.49% - 19.49% variable
Credit Score
Excellent (750 - 850)
Why We Picked It
For business owners who value simplicity, this is a great all-rounder with no annual fee. You'll get unlimited 1.5% cashback rewards on all purchases, plus a welcome bonus. However, what's missing is an intro APR offer.
Pros & Cons
- 2% cash-back rewards
- No preset spending limit
- Cash bonus potential
- High annual fee
- No option to carry a balance
- Spending requirement for cash bonus is high
Card Details
- Get 1.5% cash back on every purchase and never pay an annual fee
- Earn a $500 cash bonus once you spend $4,500 in the first 3 months. Get cash back on the purchases that you make every day.
- No annual fee
Best for travel rewards for businesses
Capital One Spark 2X Miles *
Up to 5X Reward Rate
Earn unlimited 2X miles on every purchase; earn unlimited 5X miles per dollar on hotels and rental cars booked throughRead More
Welcome Bonus
50,000 miles
Annual Fee
$0 intro for the first year; $95 after that
Regular APR
21.24% variable
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
For busy entrepreneurs, you can't beat the simplicity of earning 2x miles per dollar on all spending, with no limits or categories to manage. That's precisely what this card offers, plus high redemption values for travel rewards and a rich welcome bonus.
Pros & Cons
- Free employee cards
- Earn 2x miles on all purchases with no limits
- No blackout dates or seat restrictions
- Sky-high penalty APR
- High regular APR
- Unfavorable miles transfer rates
Card Details
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Best for 0% APR offer for businesses
Capital One Spark 1.5X Miles Select *
Up to 5X Reward Rate
Earn unlimited 1.5X miles per dollar on every other purchase; earn unlimited 5x miles per dollar on hotels and rentalRead More
Welcome Bonus
20,000 miles
Regular APR
14.24% - 24.24% variable
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
Here's an excellent fit for small business owners who want a simple rewards program without spending caps or rotating categories. No annual fee and unlimited 1.5X miles make this a cost-efficient business rewards card.
Pros & Cons
- No foreign transaction fee
- Earn unlimited miles that never expire
- Business management tools including quarterly reports
- Free employee cards
- Miles transfer to partners at an unfavorable rate
- Limited airline partners
- No intro APR offer for balance transfers
- High penalty APR
Card Details
- Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
- Save on interest with 0% intro APR on purchases for 9 months; 14.24% – 24.24% variable APR after that
- No annual fee
- Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to over a dozen travel partners
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Free employee cards which also earn unlimited 1.5X miles from their purchases
Features common to Capital One cards
Eligible Capital One cards may offer features like 24-hour travel assistance services, secondary auto rental collision damage waiver coverage, travel accident insurance and extended warranty coverage.
Best Capital One Credit Cards
Methodology
Capital One offers about 20 different credit cards, and they cover many, but not all facets of the market. We chose the best cards for particular purposes, such as earning rewards, building credit and having purchasing power for your small business. We also included a selection of cards that have no annual fee, as well as premium cards that charge annual fees that are justified by their rewards and benefits.
Let's take a look at the 10 best Capital One cards and see which one might be right for you.
How to choose a Capital One card
Capital One offers a wide variety of credit cards that can appeal to people with any credit profile. Those with excellent credit will be drawn to their premium rewards cards like the Capital One Venture Rewards Credit Card and Capital One Savor Cash Rewards Credit Card. If you have good credit, then the Capital One Quicksilver Cash Rewards Credit Card and Capital One VentureOne Rewards Credit Card can be great ways to earn cash back and travel rewards respectively. Those with fair credit can choose from many cards such as the Journey Student Rewards from Capital One, Walmart Mastercard, and Capital One Platinum Credit Card. And if you've had serious credit problems, then the Capital One Platinum Secured can be a great option.
Frequently Asked Questions
What Is Capital One's Best Credit Card?
There's no one "best" Capital One card that's a fit for everyone. Instead, consider which card is best for your individual needs and circumstances. This list is a great place to start.
How To Apply For A Capital One Credit Card?
You can apply for a Capital One credit card either online at Capital One's website or in-branch. Applying in-branch may provide better terms or you might receive targeted offers if you are already a Capital One customer.
How Many Capital One Credit Cards Can You Have?
Capital One hasn't publicly stated a cap on the number of cards it will issue to someone. However, no issuer will issue an unlimited number of credit cards to someone, regardless of their credit history. If you're thinking about applying for a new Capital One card, you can use their pre-approval tool to see if you're likely to be approved or not.
Which Capital One Credit Card Has Highest Credit Limit?
Like most issuers, Capital One will base your credit limits on a combination of your credit history and how much outstanding debt you currently have. Generally, cards that require excellent credit as well as small business cards tend to offer higher limits than those aimed at applicants with average credit.
What Are Benefits Of Capital One Credit Cards?
The exact benefits of Capital One cards will vary depending on the type of card. Many Capital One cards have no foreign transaction fees, instant card number locking from the Capital One app, $0 fraud liability, virtual credit card numbers, online account management and automatic credit line reviews among other benefits.
How To Redeem Capital One Rewards?
Capital One Rewards are unlimited and don't expire as long as you hold the card. Redemption will depend on the type of card. A miles card can act as an eraser for travel purchases, used to book travel directly or miles can be transferred to a number of airline partners. A cash back card's rewards can be redeemed for cash back or statement credit. Capital One will even redeem rewards automatically when you reach an amount that you designate.
Next Up In Credit Cards
Source: https://www.forbes.com/advisor/credit-cards/best/capital-one/
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