We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.
Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
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, Capital One® Platinum Credit Card, Capital One® Spark® Cash Select for Business, Capital One® SavorOne® Cash Rewards Credit Card, Capital One® Secured Mastercard®
Hear from our editors: The 7 best Capital One credit cards of May 2021
Updated April 30, 2021
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 marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when 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 programs, features and perks. Here are our picks for the best Capital One credit cards of 2021.
- Best for rewards: Capital One® Savor® Cash Rewards Credit Card
- Best for flat-rate cash back: Capital One® Quicksilver® Cash Rewards Credit Card
- Best for no annual fee: Capital One® SavorOne® Cash Rewards Credit Card
- Best card for travel: Capital One® Venture® Rewards Credit Card
- Best card for building credit: Secured Mastercard® from Capital One®
- Best card for average credit: Capital One® Platinum Credit Card
- Best for 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 $95.
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 $250 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 make a big purchase, the Capital One® Quicksilver® Cash Rewards Credit Card comes with a 0% intro APR for purchases for 15 months from your account opening. But you should know that after the 15 months, there’s a variable purchase APR of 15.49% - 25.49%.
Learn more with our review of the Capital One® Quicksilver® Cash Rewards Credit Card.
Best for no annual fee: Capital One® SavorOne® Cash Rewards Credit Card
Here’s why: If you want bonus categories for no annual fee, this card has you covered.
You’ll earn 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target) and 1% on all other eligible purchases. That’s not quite as much as you can earn with the Capital One® Savor® Cash Rewards Credit Card, but there isn’t an annual fee to earn back right away.
Plus, new cardmembers can earn a $200 bonus when they spend $500 on purchases in the first 3 months after their account opens.
For more details, read our review of the Capital One® SavorOne® 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 your miles 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: 60,000 miles when you spend $3,000 on purchases within the first 3 months of opening your account.
One potential drawback is the annual fee of $95. 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.
Best card for building credit: Secured Mastercard® from Capital One®
Here’s why: Building credit can sometimes feel like a Catch-22: Credit history is a key factor in your credit scores, but you have to be able to access credit to build a credit history. At the same time, card issuers may be reluctant to approve you with limited or no existing credit history. That’s where a secured credit card like the Secured Mastercard® from Capital One® can help.
Once you put down a required deposit of either $49, $99 or $200 (depending on your credit history) to secure the account, you’ll receive an initial credit line of $200.
This credit-building card doesn’t offer cash back rewards or other perks — but its annual fee is $0. And you may have a chance to get a higher credit line within your first year by demonstrating positive use with as few as six on-time monthly payments.
This card has a relatively high purchase APR of 26.99%, so make it a point to pay off your statement balance in full each month to avoid interest charges.
Learn more with our review of the Secured Mastercard® from Capital One®.
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 access 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 six monthly payments on time, you can be rewarded with a higher line of credit.
Treat this card as a stepping-stone and a 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 13.99% to 23.99%, 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.