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We analyzed every credit card offered by Capital One to determine the bank's best cards of 2020. Whether you're looking for airline miles or small-business rewards, Capital One has a credit card that will suit your needs. Below are this year's picks for the best Capital One credit cards.
|Best For||Credit Needed||Annual Fee|
|Capital One® Venture® Rewards Credit Card||Travel||Excellent/Good||$0 intro for first year; $95 after that|
|Capital One® Quicksilver® Cash Rewards Credit Card||Cash back||Excellent/Good||$0|
|Capital One® Savor® Cash Rewards Credit Card||Dining||Excellent/Good||$0 intro for first year; $95 after that|
|Capital One® Spark® Cash for Business||Business||Excellent/Good||$0 intro for first year; $95 after that|
|Capital One® Secured Mastercard®||Bad Credit||Limited/Bad||$0|
Continue reading below for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which cards work for your budget.
The Best Capital One Card for Travel Rewards
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.
- 2 Miles per dollar on every purchase, every day
- Transfer miles to travel partners at a 2-to-1.5 ratio
- No bonus categories in travel or dining
The Best Capital One Card for Cash Back
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® — 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.
The only real 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 each quarter. In most cases, you'll be better off with the Capital One® Quicksilver® Cash Rewards Credit Card if you value simplicity.
- 1.5% Cash Back on every purchase, every day
- No limit on rewards, i.e., unlimited cash back
- No potential to earn 5% cash back on rotating categories
The Best Capital One Card for Dining
The Capital One® Savor® Cash Rewards Credit Card is great for people who spend a lot on going out. With an annual fee $0 intro for first year; $95 after that and 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 May 2020. the Capital One® Savor® Cash Rewards Credit Card is designed for high spenders. 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.
- Industry-leading rewards on dining and entertainment
- High annual fee
- No option to transfer to travel loyalty programs
The Best Capital One Card for Small Business - Capital One® Spark® Cash for Business
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 $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.
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 Ink Business Preferred℠ Credit Card from Chase 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 that fall into bonus spend categories on the Ink Business Preferred℠ Credit Card and American Express® Business Gold Card (for example, travel or advertising purchases).
- Unlimited 2% Cash Back for your business on every purchase, everywhere
- High sign-up bonus
- Not the most rewarding business card available
- No bonus spend categories
The Best Capital One Card for Bad Credit
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 at the time of opening the card, 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 no annual fee.
If you're looking to build credit, one way to do that is to open a secured card. Most of these 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.
- Higher credit limit compared to other secured cards
- Reports to the three credit bureaus
- Can help you build credit history
- No annual fee
- No rewards
The information related to the Ink Business Preferred℠ Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.