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.
Here are the best Capital One credit cards of 2019.
- 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 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 $500 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.
From cardholders in the last year
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 16.24% - 26.24%.
- 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. You’ll also earn 10 miles per $1 on thousands of hotels through January 2020.
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 26.98% 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 you 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: All of the Spark® cards from Capital One are worth looking into if you’re running a business. But our choice for the best Spark® card is the Capital One® Spark® Cash for Business because of its cash back earning potential.
Of all the Spark® cards, Capital One® Spark® Cash for Business has the highest cash back potential. You’ll earn an unlimited 2% cash back on everything you buy, with no extra work on your part. And the sign-up bonus puts a little extra cash back in your pocket. Earn a $500 cash bonus when you spend $4,500 on purchases within the first 3 months of opening your account.
You’ll need to be ok with paying an annual fee with this card, though: there’s a $0 intro, $95 after first year annual fee.
Take a closer look at the best Capital One® Spark® business credit 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.