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Compare the Best Capital One Credit Cards of 2022

Compare the Best Capital One Credit Cards of 2022

The Capital One Venture Rewards Credit Card is the best Capital One credit card of 2022. It offers a straightforward rewards structure for earning travel 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.

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

Compare the best Capital One credit cards of 2022

Card
Welcome Offer
Credit Needed
Annual Fee
Travel rewards
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel660 - 850$95
Apply Now
On Capital One's Secure Website
Cash back
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening660 - 850$0
Apply Now
On Capital One's Secure Website
Dining
Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening 660 - 850$95
Not available on ValuePenguin
Compare all cards

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Credit Score Needed

660 - 850
660 - 850

Annual Fee

$95
$0
Apply Now
On Capital One's Secure Website
Apply Now
On Capital One's Secure Website

The best Capital One credit card for travel rewards

Capital One Venture Rewards Credit Card

On Capital One's Secure Website

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

$95

17.49% - 25.49% (Variable)

660 - 850

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • 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 a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Earns Capital One miles

  • Valuable sign-up bonus
  • 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
  • Long list of transfer partners
  • Up to $100 statement credit for TSA PreCheck/Global Entry
  • Foreign transaction fees: None
  • Auto rental Insurance/Travel and Emergency assistance services
  • Few bonus categories

The Capital One Venture Rewards Credit Card is an excellent card for moderate spenders who like to travel, due to its high earning rate and various travel perks. With an earning rate of 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023, the card has a simple rewards structure. Plus, you can transfer your points to more than 15 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 many bonus categories to earn extra rewards points. If you prefer to optimize your spending and get extra rewards in categories such as dining and transportation, you'll be better off with a rewards card like the American Express® Gold Card or the Chase Sapphire Preferred® Card.


The best Capital One credit card for cash back

Capital One Quicksilver Cash Rewards Credit Card

On Capital One's Secure Website

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$0

16.49% - 26.49% (Variable)

660 - 850

  • One-time $200 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
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 16.49%-26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months

  • 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • No limit on rewards, i.e., unlimited cash back
  • Easy-to-earn sign-up bonus
  • APR of 0% intro on purchases for 15 months, 16.49% - 26.49% (Variable) APR after that
  • Foreign transaction fees: None
  • No bonus categories

The Capital One Quicksilver Cash Rewards Credit Card is a great option for everyday spending due to its high rewards rate and unlimited earning potential. The card earns 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), and unlike the Chase Freedom Flex℠, there are no rotating bonus categories 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. If you value simplicity, you're best off with the Capital One Quicksilver Cash Rewards Credit Card.


The best Capital One credit card for dining

Capital One Savor Cash Rewards Credit Card

Generic art
Not available on ValuePenguin

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

$95

17.49% - 25.49% (Variable)

660 - 850

  • 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, entertainment and popular streaming services, 3% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases 
  • 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

  • Strong cash back rewards for spending in specific categories
  • Valuable sign-up bonus
  • Complimentary concierge service
  • 0% foreign transaction fees
  • No introductory APR available

The Capital One Savor Cash Rewards Credit Card is great for people who spend a lot on dining out, as its dining rewards are some of the best in its class. The card has an annual fee of $95 and lets cardholders Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. Be aware that you'll have to spend more than $200 a month in the 4% 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 no-annual-fee cash back card.


The best Capital One credit card for bad credit

Capital One Platinum Secured Credit Card

Generic art
Not available on ValuePenguin

$0

26.99% (Variable)

0 - 600

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

  • Competitive credit limit
  • Reports to the three credit bureaus
  • Can help you build credit history
  • $0 annual fee
  • Requires a security deposit
  • No rewards program

The Capital One Platinum Secured Credit Card is a solid card for those looking to build or rebuild their credit profile as it offers a high line of credit right off the bat. While most secured cards only extend a credit limit equal to your initial deposit, the Capital One Platinum Secured Credit Card may give you a credit limit up to four times higher than your deposit. With responsible use, the card currently offers a refundable minimum security deposit of $49, $99 or $200. (Be aware, though, that you’ll need access to an authorized bank account to make your security deposit). You'll also be considered for a higher credit line in as little as six months, which can help to boost your credit score if you're approved for an increased line.


The best Capital One credit card for luxury travel

Capital One Venture X Rewards Credit Card

On Capital One's Secure Website

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

$395

18.49% - 25.49% (Variable)

720 - 850

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Earns Capital One miles

  • Valuable sign-up bonus
  • Strong rewards rate
  • Luxury travel perks
  • Travel credits
  • Airport lounge access
  • Trip Cancellation and Interruption/Extended Warranty Protection
  • High annual fee

Our pick for the best Capital One credit card for luxury travel is the Capital One Venture X Rewards Credit Card due to its excellent travel perks and attractive sign-up bonus. This card comes with a variety of high-value perks, including up to $300 in travel credits, 10,000 anniversary bonus miles every year, Priority Pass, Capital One Lounge access and more.

Cardholders can Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel. Plus, cardholders also earn 2 Miles per dollar on every purchase, every day; 10 Miles on hotels and rental cars booked through Capital One Travel; 10 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023; 5 Miles on flights booked through Capital One Travel. These high rates and top travel perks help justify the card's hefty $395 annual fee.


The best Capital One credit card for everyday spending

Capital One SavorOne Cash Rewards Credit Card

On Capital One's Secure Website

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

$0

16.49% - 26.49% (Variable)

660 - 850

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 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 and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

  • $0 annual fee
  • Low intro APR on purchases
  • Valuable sign-up bonus
  • Top rewards rate in everyday spending categories
  • Requires 660 - 850 credit

The Capital One SavorOne Cash Rewards Credit Card is the top Capital One credit card for everyday spending because of its high earning rate in daily spending categories, $0 annual fee and low intro APR on purchases. Cardholders can earn 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats. These earning rates are applicable for most consumers, making this a great all-around credit card for daily use.


The best Capital One credit card for students

Capital One Quicksilver Student Cash Rewards Credit Card

Generic art
Not available on ValuePenguin

$0

16.49% - 26.49% (Variable)

0 - 660

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Pick the monthly due date that works best for you
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

  • Sign-up bonus
  • Solid flat cash back earning rate
  • Only requires 0 - 660 credit
  • Rewards are unlimited
  • $0 annual fee
  • Foreign transaction fees: None
  • Some travel and purchase protections
  • Few additional perks

The Capital One Quicksilver Student Cash Rewards Credit Card is a top choice for students, as it only requires 0 - 660 credit for approval, has a $0 annual fee and offers generous rewards. This card doesn't charge foreign transaction fees and also comes with some valuable travel and purchase protections. Cardholders will earn an 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). This is a fairly strong earning rate for a no-annual-fee card that's targeted toward credit card beginners.


The best Capital One business card for unlimited cash back

Capital One Spark Cash Plus

On Capital One's Secure Website

Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

$150

N/A

660 - 850

  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

  • High sign-up bonus
  • Generous flat-rate earning rate
  • No preset spending limit
  • Annual $200 cash bonus when you spend $200,000 or more
  • Free employee cards
  • $150 annual fee
  • There is no APR; you must pay off your balance in full every month to avoid a 2.99% late fee

The Capital One Spark Cash Plus is a unique credit card, best suited for business owners looking for unlimited cash back. It lets consumers earn unlimited 2% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel with no limits or category restrictions. You can also Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening.

Business owners who spend heavily on their credit card and want to be rewarded for all of their purchases can benefit from what this card has to offer. However, it's important to note that there is no APR for the Capital One Spark Cash Plus. Rather, you must pay off your balance in full every month to avoid a 2.99% late fee. If you're not sure you can pay off your card in full each month, you may want to choose another small business credit card that offers more of a buffer.


The best Capital One credit card for fair credit

Capital One Platinum Credit Card

Generic art
Not available on ValuePenguin

$0

26.99% (Variable)

0 - 660

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

  • Only requires 0 - 660 credit
  • $0 annual fee
  • Automatic credit line reviews
  • Includes fraud coverage
  • Foreign transaction fees: None
  • No rewards
  • No sign-up bonus
  • Few additional benefits

If you're working on improving your credit, the Capital One Platinum Credit Card offers a great place to start. The card only requires a 0 - 660 credit score for approval, it comes with a $0 annual fee and offers automatic credit line reviews. This card doesn't offer any rewards or a sign-up bonus, but the lack of these benefits can be an asset since you'll be able to simply focus on developing responsible financial habits and improving your credit without distractions. If you'd rather earn rewards while you build up your credit, you might consider another easy approval credit card instead.


The best Capital One credit card for business

Capital One Spark Miles for Business

On Capital One's Secure Website

Earn 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.

$0 intro for first year; $95 after that

22.49% (Variable)

660 - 850

  • Earn 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
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Earns Capital One miles

  • High sign-up bonus
  • Solid earning rate
  • Annual fee: $0 intro for first year; $95 after that
  • Free employee cards
  • Airport lounge access
  • Business and travel perks
  • Premium business credit cards offer more perks
  • High APR

Our pick for the best Capital One credit card for business is the Capital One Spark Miles for Business due to its stellar sign-up bonus, strong rewards rate and business perks. You'll earn 2 Miles per $1 on every purchase, everywhere, as well as 5 Miles per dollar spent on hotels and rental cars booked through Capital One Travel. Additional perks include free employee cards, up to $100 in credits for Global Entry or TSA PreCheck, two free visits per year to the Capital One Lounge and more. Although other, premium business credit cards may offer more significant perks, they also come with much heftier annual fees.


The best Capital One credit card for flat-rate earnings

Capital One QuicksilverOne Cash Rewards Credit Card

On Capital One's Secure Website

$39

26.99% (Variable)

0 - 660

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

  • Great flat-rate rewards
  • Automatic credit line reviews
  • Only requires 0 - 660 credit
  • Includes fraud coverage
  • Foreign transaction fees: None
  • Charges an annual fee
  • No sign-up bonus
  • High APR

The Capital One QuicksilverOne Cash Rewards Credit Card is great for consumers looking to earn flat-rate rewards on all their purchases since cardholders can earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). This card only requires a 0 - 660 credit score for approval, so consumers looking to build up their credit while earning significant rewards every time they use their card will appreciate what the Capital One QuicksilverOne Cash Rewards Credit Card has to offer. It does come with a $39 annual fee. But if you use your card regularly, the long-term benefits can outweigh the costs and provide longer lasting rewards than what a sign-up bonus would likely offer.

What credit score do you need for a Capital One credit card?

The credit score needed for approval will vary, depending on which Capital One credit card you choose. Capital One credit cards range from Limited/Bad, Fair/Average to Good/Excellent credit, so everyone should be eligible for a Capital One card regardless of their credit score. Be sure to check the credit requirement against your current score before applying in order to increase your odds of being approved.

How to choose a Capital One credit card

Choosing the best Capital One credit card for your needs can be challenging. Outside of the lucrative sign-up bonuses and rewards for spending, Capital One credit cards have outstanding benefits that make being a cardmember a worthwhile experience. Take the following into consideration when choosing the Capital One credit card that's best suited to your preferences and spending habits.

You have several options when choosing the best Capital One credit card, so consider whether you want a travel rewards card, a cash back card or a business card.

Cash back credit cards

Capital One has a number of great cash back credit cards. These cards earn a percentage of cash back on every purchase you make with your card, plus you can typically earn additional cash back bonuses when you spend in certain categories. Our favorite Capital One cash back credit cards are:

Travel rewards credit cards

Capital One travel rewards credit cards offer excellent travel perks, as well as the ability to earn points and miles towards flights, hotel stays and more. The best travel rewards cards will include benefits such as large sign-up bonuses, TSA PreCheck or Global Entry credits, airport lounge access and more. Our favorite Capital One travel rewards credit cards are:

Business credit cards

Business credit cards can be incredibly lucrative for small business owners and often come with perks such as free employee cards, annual points bonuses, airport lounge access and more. Our favorite Capital One business credit cards are:

Capital One credit cards come with a number of top benefits. In order to choose the best credit card for your needs, you'll want to consider which benefits you'll use the most.

Travel insurance

When you travel, things can quickly go awry. Regardless of whether you're dealing with a simple issue, such as a flat tire or a more urgent need, such as a car accident, Capital One has insurance policies to help assist you. Depending on which Capital One card you choose, you also may have access to things like travel accident insurance, roadside assistance, rental car insurance and more.

No foreign transaction fees

Capital One credit cards don't charge transaction fees on purchases made outside the United States. While other credit card issuers typically only 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

Depending on your Capital One credit card, you may be granted extended warranty for eligible items purchased with your card.

Once you've identified the Capital One credit card you're most interested in, you'll need to check your credit score to make sure it's in the correct range for approval. Once you've confirmed your credit score is high enough for acceptance, go ahead and apply!

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 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:

Several 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.

Who should get a Capital One credit card?

Really, anyone looking to open a new credit card should consider choosing a Capital One credit card. This issuer offers a lot of variety in the cards it offers, from cash back credit cards to business credit cards to student credit cards and more. Regardless of your credit score or the particular type of credit card you're looking for, Capital One likely has an option that will satisfy your needs.

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.

How many Capital One cards can you have?

There is a Capital One two-card maximum. That means you can only have two Capital One credit cards simultaneously. There is also a Capital One 1/6 rule, which 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.

How to apply for a Capital One credit card

You can apply for a Capital One credit card online via the Capital One website or by calling Capital One directly.

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

Frequently asked questions

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

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

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

You can have a maximum of two Capital One credit cards as the primary cardholder. However, business cards are not included in that maximum.

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

You can take advantage of a cash advance by calling Capital One customer service, asking for a PIN and then visiting an ATM in order to pull out cash against your allocated credit line. Be aware that cash advance interest rates and fees can be costly.

Recap of the best Capital One credit cards for 2022

Methodology

To make choosing the right credit card easier, we've looked at cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best Capital One credit cards available right now. Our recommendations are based on the following criteria:

APR

How the card's annual percentage rate (APR) compares to other cards in its category and whether or not there is a low interest intro offer for purchases and/or balance transfers.

Rewards

Whether or not the card offers rewards, what type of rewards (miles, points, cash back) and the rewards earning rate.

Additional perks and benefits

These include things like free checked bags, travel and purchase protections, airport lounge membership, elite status and airline and hotel perks.

Annual fee

Whether or not a card charges an annual fee, if the fee is waived for the first year and if the card's benefits offset the annual fee.

Sign-up bonus

Whether or not a card comes with a sign-up bonus, how easy is the bonus to earn and how valuable is the bonus overall.

Foreign transaction fees

Whether or not the card charges foreign transaction fees and, if so, how that limits the card's overall value.

Transferable points

Whether or not the card earns transferable points, in this case, through Capital One Miles, how flexible are those points and how many transfer partners do they include. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

The information related to Capital One Platinum Secured Credit Card, Capital One Venture X Rewards Credit Card, Capital One Quicksilver Student Cash Rewards Credit Card and Capital One Platinum Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

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.

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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).