Capital One credit cards

These offers are no longer available on our site: Chase Freedom Unlimited®, Chase Freedom Flex℠, Deserve® EDU Mastercard, Capital One® Savor® Cash Rewards Credit Card, Chase Sapphire Preferred® Card, United℠ Explorer Card, Target RedCard™, Chase Sapphire Reserve®, Journey® Student Rewards from Capital One®, Ink Business Preferred® Credit Card, Ink Business Cash® Credit Card, Bank of America® Premium Rewards® Visa® credit card, Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, Capital One® SavorOne® Cash Rewards Credit Card

Hear from our editors: The 10 best Capital One credit cards of January 2023

Updated January 3, 2023

This date may not reflect recent changes in individual terms.

Editorial note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.

Written by: Tim Devaney

We’ve rounded up the best credit cards that Capital One has to offer and uncovered what makes each one wallet-worthy.

One big plus of all Capital One cards is that there are no foreign transaction fees, making them all decent choices for using abroad. But from there, Capital One cards come with a wide variety of rewards programs, features and perks. Here are our picks for the best Capital One credit cards of 2023.

• Best for bonus cash back: Capital One® Savor® Cash Rewards Credit Card
• Best for cash back with no annual fee: Capital One® SavorOne® Cash Rewards Credit Card
• Best for simple cash back: Capital One Quicksilver Cash Rewards Credit Card
• Best for travel: Capital One Venture Rewards Credit Card
• Best for luxury travel: Capital One Venture X Rewards Credit Card
• Best for building credit: Capital One Platinum Secured Credit Card
• Best for average credit: Capital One QuicksilverOne Cash Rewards Credit Card
• Best for business with no annual fee: Capital One Spark Cash Select for Good Credit
• Best for business rewards: Capital One Spark Cash Plus
• Best for students: Capital One SavorOne Student Cash Rewards Credit Card

Best for bonus cash back: Capital One® Savor® Cash Rewards Credit Card

Here’s why: The Capital One® Savor® Cash Rewards Credit Card provides great cash back rates — in popular bonus categories like dining, entertainment, streaming and grocery shopping — that could help you offset the very reasonable annual fee.

Read reviews of the Capital One® Savor® Cash Rewards Credit Card for more details.

Best for cash back with no annual fee: Capital One® SavorOne® Cash Rewards Credit Card

Here’s why: If you don’t want the hassle of an annual fee, the Capital One® SavorOne® Cash Rewards Credit Card offers the same popular bonus categories as the Capital One® Savor® Cash Rewards Credit Card — but with slightly lower cash back rates.

Check out reviews of the Capital One® SavorOne® Cash Rewards Credit Card to learn more.

Best for simple cash back: Capital One Quicksilver Cash Rewards Credit Card

Here’s why: The Capital One Quicksilver Cash Rewards Credit Card makes earning cash back effortless with a simple, flat rate on all purchases and no annual fee.

Read reviews of the Capital One Quicksilver Cash Rewards Credit Card for more details.

Best for travel: Capital One Venture Rewards Credit Card

Here’s why: The Capital One Venture Rewards Credit Card offers a straightforward rewards program with useful bonus categories and travel perks that could outweigh the moderately affordable annual fee for occasional travelers.

Find out more in reviews of the Capital One Venture Rewards Credit Card.

Best for luxury travel: Capital One Venture X Rewards Credit Card

Here’s why: The Capital One Venture X Rewards Credit Card pays for itself with travel credits, airport lounge access and exceptional travel rewards. Frequent flyers who make use of these benefits and rewards may find the annual fee relatively affordable compared to other premium rewards cards.

Learn more from our review of the Capital One Venture X Rewards Credit Card.

Best for building credit: Capital One Platinum Secured Credit Card

Here’s why: The Capital One Platinum Secured Credit Card gives you the opportunity to build credit in exchange for a fully refundable security deposit. With on-time payments you may eventually be able to upgrade to an unsecured card.

Read reviews of the Capital One Platinum Secured Credit Card for more details.

Best for average credit: Capital One QuicksilverOne Cash Rewards Credit Card

Here’s why: The Capital One QuicksilverOne Cash Rewards Credit Card is an alternative for people with less than perfect credit. While it does charge a small annual fee, you might be able to offset it with the simple, flat cash back rate.

Read our review of the Capital One QuicksilverOne Cash Rewards Credit Card to learn more.

Best for business with no annual fee: Capital One Spark Cash Select for Good Credit

Here’s why: The Capital One Spark Cash Select for Good Credit makes it easy for small-business owners to earn cash back with a simple, straightforward rewards rate and no annual fee.

Check out reviews of the Capital One Spark Cash Select for Good Credit for more details.

Best for business rewards: Capital One Spark Cash Plus

Here’s why: The Capital One Spark Cash Plus can make sense for small businesses — but only if they spend a lot. Even with an elevated cash back rate on all purchases, it could be difficult to offset the relatively expensive annual fee.

Find out more about how the Capital One Spark Cash Plus compares to other business credit cards.

Best for students: Capital One SavorOne Student Cash Rewards Credit Card

Here’s why: The Capital One SavorOne Student Cash Rewards Credit Card is a great way for college students to build credit while earning cash back in bonus categories like dining, entertainment and streaming. The best part? There’s no annual fee.

See how the Capital One SavorOne Student Cash Rewards Credit Card compares to other student credit cards.

How we picked these cards

To find the best Capital One credit cards, we looked at the different types of cards they offer.

This included …

• Cash back cards
• Travel rewards cards
• Premium rewards cards
• No-annual-fee cards
• Credit-building cards
• Business cards
• Student cards

With such a wide range of cards we figured at least one of these categories might appeal to you.

How to make the most of these cards

Capital One covers a lot of ground with its credit cards, which cater to a wide range of customers. But above all, Capital One credit cards travel well. You won’t find a foreign transaction fee in the bunch. This is something that Capital One is known for, and it means that if you use one while you’re abroad, you can avoid that extra ding when you make a purchase.

But each card has other benefits that might make it the best choice for you. If you know your spending habits and where you stand on fees, you’re likely to find a Capital One card that suits your needs.

FAQs about Capital One credit cards