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Best Capital One Credit Cards of 2019

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
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Capital One® Venture® Rewards Credit CardTravelGood/Excellent$95 ($0 first year)
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Capital One® Quicksilver® Cash Rewards Credit CardCash backGood/Excellent$0
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Capital One® Savor® Cash Rewards Credit CardDiningGood/Excellent$95 ($0 first year)

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
Receive 50,000 miles once you spend $3,000 within the first 3 months
  • 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; 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; 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
APR
15.24% - 25.24% (Variable)
Credit Needed
Excellent, Good

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
Get $150 bonus after spending $500 within the first 3 months
  • 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; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% 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; 15.24%-25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24%-25.24% 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
APR
15.24% - 25.24% (Variable)
Credit Needed
Excellent, Good

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® and Discover it® Cash Back—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 $500 bonus after spending $3,000 on purchases within the first three months of account opening
  • Earn a one-time $500 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
  • 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 $500 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
  • 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
APR
16.74% - 25.74% (Variable)
Credit Needed
Excellent, Good

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 $500 cash bonus when you spend $5,000 in the first 3 months and of opening your account.
  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

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

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Earn up to $2,000. Earn a $500 cash bonus when you spend $5,000 in the first 3 months of opening your account
  • Plus, earn $1,500 when you spend $50,000 in the first 6 months. Limited Time Offer
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Annual Fee
$0 intro for first year; $95 after that
APR
19.24% (Variable)
Credit Needed
Excellent, Good

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. Plus, Capital One offers one of the highest small-business credit card sign-up bonuses through this card, with the potential to earn up to $2,000 in bonus cash back.

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, determined based on your creditworthiness
  • 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, determined based on your creditworthiness
  • 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
APR
26.99% (Variable)
Credit Needed
Limited, Bad

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® will give you a credit limit up to four times higher than your deposit, depending on your creditworthiness. 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 (except for the Discover it® Secured), 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 Junior Research Analyst at ValuePenguin, specializing in travel and rewards programs. He previously covered mortgages and banking for the website before graduating from Columbia University with a B.A. in Political Science.

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Credit Card from American Express, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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.

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® Card 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).