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The 5 Best Capital One Credit Cards of 2019

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

We analyzed every credit card offered by Capital One to determine the bank's best cards of 2019. 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.

Recommended Cards

Best ForCredit NeededAnnual Fee
Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit CardTravelGood/Excellent$95 ($0 first year)
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit CardCash backGood/Excellent$0
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit CardDiningGood/Excellent$95 ($0 first year)
Capital One® Spark® Cash for Business
Capital One® Spark® Cash for BusinessBusinessGood/Excellent$95 ($0 first year)
Capital One® Secured Mastercard®
Capital One® Secured Mastercard®Bad CreditLimited,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

On Capital One's Secure Website

Capital One® Venture® Rewards Credit Card

On Capital One's Secure Website
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
17.99% - 25.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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 spent on all purchases, the card has a simple rewards structure. Plus, you can transfer your points to the loyalty programs of 14 airlines, including Aeromexico, Air Canada, Air France KLM, Alitalia, Cathay Pacific, Avianca, Emirates, Etihad Airways, EVA Air, Finnair, Hainan Airlines, Qantas, Qatar Airways and Singapore Airlines.

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. As such, 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.

Pros

  • 2 miles per dollar spent on all purchases
  • Transfer miles to travel partners at a 2-to-1.5 ratio
  • 10x points when booking on Hotels.com

Cons

  • No bonus categories in travel or dining (aside from Hotels.com)

The Best Capital One Card for Cash Back

On Capital One's Secure Website

Capital One® Quicksilver® Cash Rewards Credit Card

On Capital One's Secure Website
Earn a $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • 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; 16.24%-26.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
Annual Fee
$0
Regular APR
16.24% - 26.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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 all purchases, 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 force you to opt in to a specific category each quarter. In most cases, you'll be better off with the Capital One® Quicksilver® Cash Rewards Credit Card if you value simplicity.

Pros

  • 1.5% cash back on all purchases
  • No limit on rewards, i.e., unlimited cash back

Cons

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

The Best Capital One Card for Dining

On Capital One's Secure Website

Capital One® Savor® Cash Rewards Credit Card

On Capital One's Secure Website
A $300 bonus after spending $3,000 on purchases within the first three months of account opening
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Annual Fee
$0 intro for first year; $95 after that
Regular APR
16.74% - 25.74% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Capital One® Savor® Cash Rewards Credit Card is great for people who spend a lot on going out. With an annual fee of $95 and 4% cash back on dining and entertainment, the Capital One® Savor® Cash Rewards Credit Card is designed for high spenders. Given the annual fee, 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 cash-back card.

A potential drawback of the Capital One® Savor® Cash Rewards Credit Card is that its reward capabilities are more limited than other cards with similar annual fees. For example, the Chase Sapphire Preferred® Card and the Capital One® Venture® Rewards Credit Card both have annual fees of $95 and allow you to transfer points to airline loyalty program partners at a value higher than 1 cent per point. However, this shouldn't matter if you prefer cash back over travel rewards.

Pros

  • Industry-leading rewards on dining and entertainment

Cons

  • High annual fee
  • No option to transfer to travel loyalty programs

The Best Capital One Card for Small Business

On Capital One's Secure Website

Capital One® Spark® Cash for Business

On Capital One's Secure Website
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • Earn unlimited 2% cash back for your business on every purchase, everywhere
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • $0 annual fee for the first year; $95 after that
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
Annual Fee
$0 intro for first year; $95 after that
Regular APR
19.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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 on all purchases and an annual fee of $95, 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 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).

Pros

  • Unlimited 2% cash back on all purchases
  • High sign-up bonus

Cons

  • Not the most rewarding business card available
  • No bonus spend categories

The Best Capital One Card for Bad Credit

On Capital One's Secure Website

Capital One® Secured Mastercard®

On Capital One's Secure Website
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide

Note: The information in this box was provided by Capital One and is not part of our independent analysis.

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Annual Fee
$0
Regular APR
26.99% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Limited, Bad
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Our Thoughts

The Capital One® Secured Mastercard® is a solid card for starters or for people looking to build credit. 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. The card also comes with no annual fee.

If you're looking to build credit, it's a good idea to start by opening 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 below 30% and pay your bills on time. Once your score hits the high 600s, 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.

Pros

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

Cons

  • No rewards

Compare Capital One Credit Cards

You can use our credit card comparison tool to see how different cards work for your spending habits. Browse the options below and adjust the spending inputs to find the card that's most rewarding for you.

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Yowana Wamala

Yowana is a product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

Comments and Questions

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).