The 5 Best Capital One Credit Cards of 2020

The 5 Best Capital One Credit Cards of 2020

We boiled down the best Capital One credit cards for 2020. There’s ample opportunity to earn heaps of credit card rewards.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It 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.

Whether you're looking for airline miles or small-business rewards, Capital One has a credit card that will suit your needs.

We analyzed cards on ValuePenguin and on Capital One’s site to pick the best cards based on the value of each card's sign-up bonus, ongoing rewards and other ancillary benefits. Below are the picks for the best Capital One credit cards of 2020.

Best Capital One Credit Cards 2020

Recommended CardsBest ForCredit Needed
Capital One® Venture® Rewards Credit CardTravel rewardsExcellent/Good
Apply Now
  • On Capital One's Secure Website
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Capital One® Quicksilver® Cash Rewards Credit CardCash backExcellent/Good
Apply Now
  • On Capital One's Secure Website
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Capital One® Savor® Cash Rewards Credit CardDiningExcellent/GoodRead Review
Capital One® Spark® Cash for BusinessSmall businessExcellent/GoodRead Review
Capital One® Secured Mastercard®Bad creditLimited/Bad/PoorRead Review

Recommended Cards

Best forCredit Needed
Capital One® Venture® Rewards Credit CardTravel rewardsExcellent/Good
Apply Now
  • On Capital One's Secure Website
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Capital One® Quicksilver® Cash Rewards Credit CardCash backExcellent/Good
Apply Now
  • On Capital One's Secure Website
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Capital One® Savor® Cash Rewards Credit CardDiningExcellent/GoodRead Review
Capital One® Spark® Cash for BusinessSmall businessExcellent/GoodRead Review
Capital One® Secured Mastercard®Bad creditLimited/Bad/PoorRead Review

Capital One credit card benefits | Capital One miles program | Application rules | How to apply | Sign-up bonuses | FAQs

The best Capital One card for travel rewards

Capital One® Venture® Rewards Credit Card

  • On Capital One's Secure Website

$95

17.24% - 24.49% (Variable)

Excellent/Good

  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
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Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months

Our thoughts

The Capital One® Venture® Rewards Credit Card is an excellent card for moderate spenders who like to travel. With an earning rate of 2 Miles per dollar on every purchase, every day, the card has a simple rewards structure. Plus, you can transfer your points to 14 airline and hotel partners.

The one downside to the Capital One® Venture® Rewards Credit Card, when compared to its competitors, is that it doesn't offer any bonus categories to earn extra rewards points. If you prefer to optimize your spending and get extra rewards in categories like dining and transportation, you'll be better off with a rewards card like the American Express® Gold Card or Chase Sapphire Preferred® Card.

Benefits

  • Valuable sign-up bonus
  • 2 Miles per dollar on every purchase, every day
  • Long list of transfer partners
  • $100 statement credit for TSA Precheck/Global Entry
  • Foreign transaction fees: None
  • Rental car and travel accident insurance policies
  • Coronavirus updates. Redeem Capital One miles for recent, eligible restaurant delivery, takeout and streaming services purchases from thousands of merchants until Dec. 31, 2020.

Drawbacks

  • No bonus spending categories


The best Capital One card for cash back

Capital One® Quicksilver® Cash Rewards Credit Card

  • On Capital One's Secure Website

$0

15.49% - 25.49% (Variable)

Excellent/Good

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
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One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening

Our thoughts

If you're looking for a general purpose credit card, the Capital One® Quicksilver® Cash Rewards Credit Card is a great option for everyday spending. The card earns 1.5% Cash Back on every purchase, every day, and there are no rotating bonus categories – like with the Chase Freedom Flex℠ – that you'll have to track. There are also no caps on rewards with the Capital One® Quicksilver® Cash Rewards Credit Card, meaning you can earn unlimited cash back.

In addition, the card comes with an easy-to-earn sign-up bonus. You can earn a One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

The downside to the Capital One® Quicksilver® Cash Rewards Credit Card is that it doesn't earn extra cash back in special categories. However, most cards with bonus categories either charge an annual fee or require you to opt in to the spending categories each quarter. If you value simplicity, you'll be better off with the Capital One® Quicksilver® Cash Rewards Credit Card.

Benefits

  • 1.5% Cash Back on every purchase, every day
  • No limit on rewards, i.e., unlimited cash back
  • Easy-to-earn sign-up bonus
  • APR of 0% intro on purchases for 15 months, 15.49% - 25.49% (Variable) APR after that
  • None foreign transaction fees

Drawbacks

  • No potential to earn 5% cash back on rotating categories


The best Capital One card for dining

Capital One® Savor® Cash Rewards Credit Card

Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

Our thoughts

The Capital One® Savor® Cash Rewards Credit Card is great for people who spend a lot on dining out. The card offers an annual fee of $95. Plus, you can earn a high rewards rate if you spend a lot on dining out: 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. Once the annual fee kicks in the second year, you'll have to spend more than $200 a month in the bonus categories to break even on the card. If you don't spend that much on dining and entertainment, you'll be better off with a general cashback card.

Benefits

  • High cash back rewards for spending in specific categories
  • Valuable sign-up bonus
  • Complimentary concierge service
  • None foreign transaction fees
  • Coronavirus updates. Earn 4% cash back on streaming service subscriptions until Dec. 31, 2020.

Drawbacks

  • No introductory APR available


The best Capital One card for small businesses

Capital One® Spark® Cash for Business

Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

Our thoughts

The Capital One® Spark® Cash for Business is one of the best small-business credit cards available. With a flat 2% Cash Back for your business on every purchase, everywhere and an annual fee of $0 intro for first year; $95 after that, the Capital One® Spark® Cash for Business is perfect for small- to medium-sized business owners who value simplicity and have varied expenses.

The card comes with a hefty sign-up bonus. You can Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. This bonus is an excellent opportunity to save on a large business expense like new computers or hardware for your business.

One downside to the Capital One® Spark® Cash for Business is that it doesn't offer bonus categories. There are a few business credit cards that offer higher rewards rates than the Capital One® Spark® Cash for Business – namely, the Chase Ink Business Preferred℠ Credit Card and the American Express® Business Gold Card – on certain business-related spending categories. These cards may be better for you if your business has predictable expenses.

Benefits

  • Unlimited 2% Cash Back for your business on every purchase, everywhere
  • Large sign-up bonus
  • Free employee cards
  • None foreign transaction fees

Drawbacks

  • No bonus spend categories


The best Capital One card for bad credit

Capital One® Secured Mastercard®

Low security deposit to help you build your credit

Our thoughts

The Capital One® Secured Mastercard® is a solid card for those looking to build or rebuild their credit profile. While most secured cards only extend a credit limit equal to your initial deposit, the Capital One® Secured Mastercard® may give you a credit limit up to four times higher than your deposit. The card currently offers a refundable minimum security deposit of $49, $99 or $200 (note, you’ll need access to an authorized bank account to make your security deposit). Also, the card offers access to a higher credit line after making five monthly payments on time, which can help to boost your credit score. The card also comes with a $0 annual fee.

If you're looking to build credit, a secured card is an excellent option. Most secured credit cards don't come with rewards, but they'll help increase your score as long as you keep your credit utilization low and pay your bills on time. As your credit score rises, you'll have access to a variety of great rewards cards – including Capital One cards on this list like the Capital One® Venture® Rewards Credit Card and the Capital One® Quicksilver® Cash Rewards Credit Card.

Benefits

  • Higher credit limit compared to other secured cards
  • Reports to the three credit bureaus
  • Can help you build credit history
  • $0 annual fee

Drawbacks

  • Requires a security deposit
  • No rewards program


Capital One credit card benefits

Outside of the lucrative sign-up bonuses and rewards for spending, Capital One credit cards have outstanding benefits to make being a cardmember a worthwhile experience. The full list of benefits can be found here, but we will highlight the most important below.

Travel insurance

While you are traveling, things can go awry quickly. From simple issues like a flat tire to more urgent needs like a car accident, Capital One has insurance policies to help assist with the matter.

As you are traveling, you will have access to the following coverages:

  • Travel accident insurance: This is common carrier accidental death or dismemberment, at no extra cost, when you charge your entire travel fare to your eligible Capital One credit card.
  • Roadside assistance: If you need your car towed or a locksmith, this benefit is available 24/7. However, each service costs $59.95.
  • Rental car insurance: When you purchase a rental car with a Capital One credit card, it will cover the car. Keep in mind it is secondary insurance, and you must decline the insurance offered by the rental car agency.

No foreign transaction fees

Capital One credit cards don't charge transaction fees for purchases made outside the United states. While other credit card issuers typically waive foreign transaction fees on their premium travel cards, Capital One is the rare issuer that waives foreign transaction fees on all its credit cards, including its no-annual-fee cards.

Extended warranty

For warranties of three years or less on eligible items purchased with your Capital One credit card, Capital One will extend the life of your warranty by an additional year.

Capital One miles

Capital One offers credit cards that earn both travel rewards, called Capital One miles, and cash back. Capital One miles are quite valuable as they can be redeemed for things like gift cards, cash back or redeemed for travel. Generally, Capital One miles are best reserved for travel as they can save you a significant amount of money on your travel expenses.

Which cards earn Capital One miles?

Capital One has several credit cards that earn Capital One miles, including the following:

All of these cards are flat-rate cards that award the same rate of miles on every purchase. This type of travel credit card is beneficial to customers who don't want to put a lot of effort into tracking spending categories.

However, if you spend regularly in specific categories such as gas or dining and are willing to put extra effort into tracking your spending to earn extra rewards, you may want to consider a travel rewards credit card that gives bonus miles for those purchases.

Redemption options

If one of the above Capital One credit cards fits your needs, there are plenty of options to redeem the miles you earn, and Capital One makes it very easy to do so at a good value.

Some of these redemption options are more valuable than others. Travel redemptions are generally the best use of Capital One miles. Here is a list of Capital One's redemption options and their values:

  • Cash - 0.5 cents per mile
  • Travel purchase eraser - 1 cent per mile
  • Booking travel through Capital One portal - 1 cent per mile
  • Purchasing gift cards - 1 cent per mile
  • Transfer points to another Venture cardholder - Varies
  • Transfer points to travel partner - ~1.5 cents per mile

Capital One transfer partners

In addition to redeeming miles for travel statement credits with Capital One's purchase eraser, you can transfer and redeem miles for awards with one of Capital One's travel partner partners. Generally, sending Capital One miles to the right transfer partner is more valuable than redeeming them through Capital One. If you aim to redeem your miles for first or business class seats, you can find values higher than 1 cent per mile.

The Capital One transfer partners are:

  • Aeromexico
  • Air Canada/Aeroplan
  • Air France/Flying Blue & KLM
  • Alitalia
  • Avianca
  • Cathay Pacific
  • Emirates (2:1)
  • Etihad
  • EVA Air
  • Finnair
  • Hainan Airlines
  • JetBlue
  • Qantas
  • Qatar Airways
  • Singapore Airlines (2:1)
  • Wyndham Rewards
  • Accor Live Limitless (2:1)

Keep in mind that unless indicated, the transfer ratio is 2:1.5. This means that 2 Capital One miles will give you 1.5 miles in the program you select. While this is a slight reduction in value, the possibility is high that you will find the best value for your miles by transferring them.

Also keep in mind that many of these airlines belong to airline alliances through which you can redeem miles for flights on partner airlines. For example, you can redeem Aeromexico miles for Delta Air Lines flights because of the SkyTeam alliance.

So in evaluating the airline partners, be sure to dig deeper into the nuances of each program to see how you can maximize each one.

Capital One application rules

Before applying for a credit card from any issuer, it is vital to know each issuer’s specific rules. These rules include a minimum credit score needed along with a number of credit inquiries. Here are the rules you need to know:

Capital One 1/6

This rule means that you will not be approved for a Capital One personal card if you have been approved for a credit card in the last six months. This includes both personal and business credit cards.

Capital One two card maximum

This one is a bit self-explanatory. You can only have two Capital One credit cards simultaneously.

How to apply for a Capital One credit card

You can apply for a Capital One credit card through one of our links below, calling Capital One directly or using the Capital One website.

To apply for a Capital One credit card, you will need basic contact information, your yearly income, checking/savings account information and a valid Social Security number. Once you apply, the bank will begin checking your credit score to see if it qualifies for the specific card you applied for. Once all of this is gathered, Capital One will determine if you are approved or not.

If you are declined for a card, it is best to give Capital One customer service a call. Give these numbers a try:

  • Application Services: 800-625-7866
  • General Customer Service: 800-951-6951
  • Application Status: 800-933-5182

Capital One Credit card bonuses

We've highlighted below the bonuses currently available from Capital One credit cards. To earn the bonus for each card, it requires that you spend a minimum amount within the first three months to earn the bonus. Occasionally, cards will offer an additional bonus, not listed below, for hitting a larger spending target over the course of a year. Depending on your budget, this may impact your ability to earn the bonus.

Personal cardsBonus
Capital One® Quicksilver® Cash Rewards Credit CardOne-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
Capital One® Venture® Rewards Credit CardEarn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
Capital One® SavorOne® Cash Rewards Credit CardEarn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Capital One® VentureOne® Rewards Credit CardOne-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months of account opening, equal to $200 in travel
Capital One® Savor® Cash Rewards Credit CardEarn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Business cardsBonus
Capital One® Spark® Cash for BusinessEarn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Capital One® Spark® Cash Select for BusinessOne-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Capital One® Spark® Miles for BusinessEarn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Capital One® Spark® Miles Select for BusinessOne-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening

FAQs about Capital One credit cards

Below are some common questions about Capital One credit cards.

Is Capital One a good credit card?

Capital One is a bank that issues several credit cards that offer travel rewards, cash back and secured cards to help build credit.

How do I activate a Capital One credit card?

To activate a Capital One credit card, you have to be enrolled in Capital One online banking. You will need the physical card as you’ll need to enter the three-digit security code on the back to activate it.

How do I pay my Capital One credit card?

You can pay on Capital One’s website by logging into your customer portal.

How many Capital One credit cards can you have?

You can have a maximum of two Capital One credit cards as the primary cardholder. However, business cards do not count into that maximum.

How do you get a Capital One credit card?

You can apply online or over the phone. Keep in mind that factors including credit score and income are taken into consideration when you apply.

How do I get cash from a Capital One credit card?

You can do a cash advance by calling Capital One customer service, ask for a pin and then pull cash out against your allocated credit line. Be aware that cash advance interest rates and fees can be costly.

The information related to Capital One® Quicksilver® Cash Rewards Credit Card, Capital One® Savor® Cash Rewards Credit Card, Capital One® Secured Mastercard®, Capital One® Spark® Cash for Business, Capital One® Spark® Cash Select for Business, Capital One® Spark® Classic for Business, Capital One® Spark® Miles for Business and Capital One® Spark® Miles Select for Business has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Brett Holzhauer

Brett Holzhauer is ValuePenguin’s travel rewards expert, focusing on credit card rewards maximization, consumer travel trends, and personal finance news. He has earned and burned over 5 million points and miles throughout his travels, saving him roughly $75,000 in travel expenses.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).