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These offers are no longer available on our site: Capital One® Savor® Cash Rewards Credit Card, Capital One® Quicksilver® Cash Rewards Credit Card, Capital One® Venture® Rewards Credit Card, Journey® Student Rewards from Capital One®, Capital One® Platinum Credit Card, Capital One® Spark® Cash Select for Business, Capital One® SavorOne® Cash Rewards Credit Card
Hear from our editors: The 6 best Capital One credit cards of 2020
Updated Jan. 28, 2020
We update credit card details (e.g., APR, sign-up bonus) as we receive new information from our marketing partners.
Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.
Written by: Heather Swick
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, features and perks. Here are our picks for the best Capital One credit cards of 2020.
- Best for rewards: Capital One® Savor® Cash Rewards Credit Card
- Best for flat-rate cash back: Capital One® Quicksilver® Cash Rewards Credit Card
- Best card for travel: Capital One® Venture® Rewards Credit Card
- Best card for students: Journey® Student Rewards from Capital One®
- Best card for average credit: Capital One® Platinum Credit Card
- Best for small business: Capital One® Spark® Cash Select for Business
Here’s why: Our top rewards pick is the Capital One® Savor® Cash Rewards Credit Card for its serious cash back potential — as long as you’re willing to pay attention to spending categories.
If dinner and a movie is your ideal weekend night, you stand to earn quite a bit with this card. Or maybe you’re more of a café-and-a-play type of person. Either way, you’ll get …
- Unlimited 4% cash back on dining and entertainment
- 2% cash back at grocery stores
- 1% cash back on all other purchases
There’s also a cash bonus of $300 if you spend $3,000 on purchases within the first 3 months of your account opening.
But be aware that there’s an annual fee of $0 intro, $95 after first year. If you want cash back capability without an annual fee, take a look at the Capital One® SavorOne® Cash Rewards Credit Card .
If you can’t decide, check out reviews from Capital One® Savor® Cash Rewards Credit Card cardholders.
Here’s why: The Capital One® Quicksilver® Cash Rewards Credit Card earns you a flat-rate 1.5% cash back on every purchase. This card is a standout because it’s so easy to use, making it a good fit if you want rewards without extra work.
In addition to the cash back, you’ll also score $150 as a sign-up bonus after spending $500 on purchases in the first 3 months from opening your account. That’s one of the larger sign-up bonuses we’ve seen out there for cash back cards.
And if you’re looking to pay down debt or make a big purchase, the Capital One® Quicksilver® Cash Rewards Credit Card comes with a 0% intro APR for both purchases and balance transfers for 15 months from your account opening. But there are some things you should know:
- After the 15 months, there’s a variable APR of 15.49% - 25.49%.
- You’ll be charged a fee of 3% on balances transferred.
Learn more with our review of the Capital One® Quicksilver® Cash Rewards Credit Card.
Here’s why: Frequent travelers who aren’t interested in juggling complicated travel rewards will appreciate the flexible, easily redeemable rewards.
With the Capital One® Venture® Rewards Credit Card, you’ll earn two miles for every $1 you spend on purchases. You can easily redeem these online for an account credit in the amount of your travel purchases.
Those no-fuss rewards can add up. And the sign-up bonus stacks up pretty well against the best sign-up bonuses out there: 50,000 miles when you spend $3,000 on purchases within the first 3 months of opening your account, worth $500 in travel.
One potential drawback is the annual fee of $0 intro, $95 after first year. Weigh that against your travel spending and potential rewards to see if it’s worth the extra cost. There are other options out there if you’re looking for a travel card with no annual fee.
Keep reading to learn how to maximize the Capital One® Venture® Rewards Credit Card.
Here’s why: With a rewards boost for paying your bill on time, Journey® Student Rewards from Capital One® is designed to help students develop good credit habits.
You’ll get 1% cash back on every purchase you make, plus a 0.25% boost every month you pay your bill on time. Another perk: If you make your payments on time for five months, you might get bumped up to a higher line of credit.
The downside to this card is the high variable APR of 26.99% on purchases and balance transfers. Try setting up an automatic payment through your account to avoid interest charges on your purchases, which could pretty quickly eat into your cash back earnings.
Check out our tips for how to build credit and earn cash back with the Journey® Student Rewards from Capital One® card.
Here’s why: It can be daunting to find a decent credit card that will accept a limited or bumpy credit history. The Capital One® Platinum Credit Card is meant for people with average credit — in fact, it’s one of our top recommendations for the best unsecured credit cards for building credit.
The features of this card are aimed at helping you build credit, so you won’t find much by way of rewards. But you will get a $0 annual fee, which isn’t always the case for unsecured cards that accept average credit. And if you make your first five monthly payments on time, you can be rewarded with a higher line of credit.
Treat this card as a stepping stone and chance to build your credit, which could lead you to cards with better rewards in the future.
Learn more with our in-depth review of the Capital One® Platinum Credit Card.
Here’s why: You get unlimited 1.5% cash back on all your purchases everywhere. The card also has a $0 annual fee, which means all that cash back you earn with this card goes straight into your pocket. And the flat-rate cash back means you won’t have to mentally juggle which purchases are best for this card. You know you can earn no matter what you buy. It’s a pretty sweet deal, especially when you consider that employee cards also earn cash back.
The card also offers a one-time sign-up cash bonus of $200 once you spend $3,000 on purchases within three months from account opening.
Plus, you’ll have access to an introductory 0% purchase APR for 9 months after opening the card. After that, your variable purchase APR will go to 14.49% - 22.49%, depending on your credit profile. That introductory purchase APR could help you with business startup costs by giving you some breathing room on interest.
If this doesn’t sound like a good fit to you, check out our favorite Capital One business cards.
How we picked these cards
The different Capital One cards come with different consumers in mind. We looked at every card and considered which features set each card apart from the rest. The features we pay closest attention to reflect the categories we feel are of top interest to potential cardholders.
And then we read the fine print. The fees and limitations are important to know upfront, long before a credit card makes it to your wallet. We weighed those against the benefits to select our top picks. Our full reviews dig into the pros and cons, and you should always dig into a card’s fees and terms before deciding it’s a good fit for you.
How to make the most of Capital One credit 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.