Missy Nolan
9 min
4.3K
After 40 hours of research evaluating 15 products, we picked Capital One Venture Rewards Card as our top choice.
Capital One is one of the largest credit card providers in America, offering cards with no-to-low annual fees and rewards programs that have been recognized for being great thanks to features that include:
It gets better:
With so many options, how do you pick the best Capital One credit card for you and your unique needs? No problem! Capital One offers options for those with limited or fair credit history as well as seasoned credit card users. And if you love to travel, you’ll be glad to know that many of the best Capital One credit card choices function without collecting a foreign transaction fee on related purchases.
What’s the perfect option for you? Let’s take a look at the wide range of options:
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
This article was last updated October 11, 2019 but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.
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Application Process: Apply online and get a response within 60 seconds.
Rewards: None.
Bonus Offers: None.
Annual Fee: None.
Details:Capital One® Platinum Credit Card »Application Process: Apply online and get a response within 60 seconds.
Rewards: Earn 1% cash back on all your purchases. Pay on time to boost your rewards rate to 1.25%.
Bonus Offers: None
Annual Fee: None.
Details:Journey® Student Rewards from Capital One® »This is a high earning cashback rewards card perfect for people who love dining out. Earn 3% at restaurants and 2% on groceries with no annual fee.
Details:Capital One Savor Card »
Application Process: Apply online and get a response within 60 seconds.
Rewards: Earn 2% cash back on all purchases.
Bonus Offers: Earn a $500 bonus when you spend $4,500 within the first 3 months.
Annual Fee: $0 for the first year, then $95 after that.
Details:Capital One® Spark® Cash for Business »Travelers will appreciate that there are no foreign transaction fees associated with this credit card. Everyone will appreciate that you don’t have to be purposeful to collect your rewards, as the Quicksilver Cash Rewards Card offers a flat, unlimited 1.5% cash back rate on all purchases.
If you’re new to the world of credit cards, this card might be your perfect match. But if you’re a little more of an experienced user, you can certainly find higher percent cash back credit cards for a small annual fee that will likely be more than justified. A related example? The Capital One Spark Cash for Business credit card. Additionally, you may be interested in using one of the best Capital One credit cards for balance transfers... until you find out that it comes with a 3% balance transfer fee.
Application Process: Apply online just as you would with the other best Capital One credit cards on this list.
Annual Fee: Absolutely no annual fees! Definitely a perk of this credit card.
Rewards and Redemption Options: It’s very simple: earn an unlimited flat rate of 1.5% cash back, which does not expire. You can redeem this cash back as a statement credit or cheque.
Bonus Offers: Just about anyone using this credit card will earn a $150 bonus after spending $500 on purchases within 3 months of account opening.
Details:Capital One Quicksilver Cash Rewards Card »This card stands out thanks to a high rewards rate of 2x the miles per $1 spent, plus flexible, user-friendly redemption options. Like many of the other best Capital One credit cards, the use of this card means no foreign transaction fees—a perfect pair with mileage-focused rewards points.
If you’re a frequent traveler, you might be deterred from this card because of the fact that it offers no airline specific perks. You may be better off with more specific airline credit cards. Furthermore, you won’t get a lot out of this credit card if you’re looking for general cash back benefits—this is a card whose strength lies in travel.
Application Process: Apply for your shiny new credit card on Capital One’s website and receive a decision within seconds.
Annual Fee: This credit card comes with a fee of $95 per year, but you’ll get a free pass during your first year of use.
Rewards and Redemption Options: There are two ways to claim rewards when using this card:
What makes Capital One’s Purchase Eraser different than the standard option is that there is no minimum for full travel statement credit options, just a 2,500 mile minimum for partial travel credit redemptions. This means that you can redeem at least $25 to help offset costs for more expensive tickets.
Bonus Offers: Capital One offers a one time bonus of 50,000 miles for every $3,000 spent in the first 3 months of account opening, or $500 in rewards.
Details:Capital One Venture Rewards Card »Maddy Osman creates engaging content with SEO best practices for marketing thought leaders and agencies that have their hands full with clients and projects. Learn more about her process and experience on her website, www.The-Blogsmith.com and read her latest articles on Twitter: @MaddyOsman.
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6 Best Capital One Credit Cards
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