Best of

Best Capital One Credit Cards of February 2020

NerdWalletJanuary 28, 2020

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Capital One Credit Cards of February 2020

Our pick for

Travel rewards

Capital One Venture Rewards Credit Card

on Capital One's website

Annual Fee

$0 intro for the first year, then $95

Regular APR

17.24% - 24.49% Variable APR

Intro APR

N/A

Recommended Credit Score
The Capital One® Venture® Rewards Credit Card is at the front of the wallet for many frequent travelers, thanks to its rich flat-rate rewards, plum sign-up bonus and flexible redemption options.

Pros

The card earns 2 miles per $1 spent on all purchases, among the best rewards rates in its class. The sign-up bonus is similarly generous: 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. And redemption is easy: Either go through Capital One's travel center, or simply book wherever you want and redeem miles for statement credit against the purchase. There’s no minimum redemption amount, either.

Cons

There's an annual fee of $0 intro for the first year, then $95. If you'd rather have cash back, a mile is worth only half a cent when redeemed this way.
  • 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.
  • 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
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
  • See if you qualify for a better offer with Capital One:

Our pick for

Travel rewards + no annual fee

Capital One VentureOne Rewards Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

13.49% - 23.49% Variable APR

Intro APR

0% on Purchases for 12 months

Recommended Credit Score
The Capital One® VentureOne® Rewards Credit Card offers an unlimited 1.25 miles per dollar spent, with miles redeemable the same way as on the regular Venture card, for an annual fee of $0.

Pros

Miles can be redeemed for statement credit against travel purchases at a value of 1 cent per mile, with no restrictions on when you travel. There's a sign-up bonus, too: Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel.

Cons

The ongoing rewards rate is lower than the 1.5 points or miles per dollar offered by some competitors in the no-annual-fee travel card field.
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 12 leading travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 13.49% - 23.49% variable APR after that
  • See if you qualify for a better offer with Capital One:

Our pick for

Flat-rate cash back

Capital One Quicksilver Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Recommended Credit Score
The Capital One® Quicksilver® Cash Rewards Credit Card is a standard-setter: Its easy-to-understand 1.5% cash-back rate on all purchases spawned an army of imitators. The $0-annual-fee card not only earns unlimited rewards, but it also allows you to redeem your rewards in any amount, at any time.

Pros

Easy-peasy describes this card's simple earning and redemption structure. There are no bonus categories to keep track of, no limit to how much you can earn, and rewards don't expire. There's a nice sign-up bonus: One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening. Plus, you'll get a great intro 0% APR period.

Cons

If you're willing to keep track of rotating bonus categories, or if you spend heavily on things like gas and groceries, you might do better with a card that pays higher rewards on select purchases.
  • 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
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • See if you qualify for a better offer with Capital One:

Our pick for

Dining/entertainment rewards

Capital One® Savor℠ Cash Rewards Credit Card

on Capital One's website

Annual Fee

$0 intro for the first year, then $95

Regular APR

15.99% - 24.99% Variable APR

Intro APR

N/A

Recommended Credit Score
Dinner and a movie? What sets the Capital One® Savor® Cash Rewards Credit Card apart is that it earns high rewards for both the dinner and the movie. The card pays unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.

Pros

The “entertainment” category is broad and includes things like movie tickets, concerts, sporting events, tourist attractions, theme parks, dance clubs, record stores and more. There’s also a terrific sign-up bonus: Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening.

Cons

There's an annual fee, and it's pretty steep for a cash-back card: $0 intro for the first year, then $95. If you spend less than $9,500 a year on dining and entertainment, consider the no-fee version of this card, described below.
  • 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.
  • 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
  • See if you qualify for a better offer with Capital One:

Our pick for

Dining/entertainment rewards + no annual fee

Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

Recommended Credit Score
The Capital One® SavorOne® Cash Rewards Credit Card — the $0-annual-fee version of Capital One's popular dining card — pays unlimited 3% cash back on dining and entertainment, 2% back at grocery stores and 1% back on all other purchases.

Pros

Though it offers a lower rewards rate on dining and entertainment than its annual-fee-bearing big brother, this card is a better choice for people who don't eat out all the time. The sign-up bonus is smaller, too, but still quite nice: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Cons

If you're a one-card kind of person rather than someone with a card for every occasion, you might get more value from a card that pays 1.5% or 2% cash back on every purchase.
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores 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
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • See if you qualify for a better offer with Capital One:

Our pick for

College students

Capital One Journey Student Rewards Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

26.99% Variable APR

Intro APR

N/A

Recommended Credit Score
Journey® Student Rewards from Capital One® gives you 1% cash back on all your purchases, plus 0.25% back when you make your monthly payment on time, for a total of 1.25% cash back. That's pretty good for a student card.

Pros

The annual fee is $0. Pay on time your first five months, and your account will be considered for a higher credit line. You don't have to be a student to apply for the Journey® Student Rewards from Capital One®, making it a good option for someone with average credit.

Cons

If you've already built good credit, you can probably score a card with higher rewards than this card offers. The ongoing APR is 26.99% Variable APR, which is steep if you plan on carrying a balance.
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

Our picks for

Fair credit

Capital One QuicksilverOne Credit Card

on Capital One's website

Annual Fee

$39

Regular APR

26.99% Variable APR

Intro APR

N/A

Recommended Credit Score
The Capital One® QuicksilverOne® Cash Rewards Credit Card is one of just a handful of cards for average credit that earn rewards. In fact, it earns the same rate as the regular version of this card for people with excellent credit.

Pros

The card pays unlimited 1.5% cash back on all spending. You can redeem those rewards at any time, in any amount.

Cons

There's an annual fee of $39, so you'd have to spend at least $2,600 a year on the card to break even. The APR on this card is high.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
  • See if you qualify for a better offer with Capital One:

Capital One Platinum Credit Card Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

26.99% Variable APR

Intro APR

N/A

Recommended Credit Score
The Capital One® Platinum Credit Card is an ideal choice for those with average credit who don't carry a balance, don't want to pay for carrying a card and appreciate an incentive for responsible behavior. It also travels well.

Pros

The annual fee is $0. If you make your first five monthly payments on time, Capital One may give you access to a higher credit line. You can choose your own due date, which lets you schedule payment for the time of the month that best suits your cash flow. If you do make a late payment, the card doesn't impose a penalty APR. And the card doesn't charge foreign transaction fees.

Cons

There are no rewards. Plus, the ongoing APR is on the high end at 26.99% Variable APR. That's not an issue if you pay in full every month, but look elsewhere if you expect to carry debt from month to month.
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  • See if you qualify for a better offer with Capital One:

Our pick for

Poor credit

Capital One Secured Mastercard Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

26.99% Variable APR

Intro APR

N/A

Recommended Credit Score
When you have poor credit, a secured card can help. The Capital One® Secured Mastercard® reports to all three of the major credit bureaus and may give you access to a higher credit line without an additional deposit after you make your first five monthly payments on time.

Pros

The annual fee is $0. For a starter credit line of $200, your deposit may be $49, $99 or $200. Plus, Capital One will let you pay off that deposit in installments within a certain amount of time after approval. (Learn more about how secured cards work.)

Cons

Like most secured cards, this card doesn't earn rewards. The ongoing APR is 26.99% Variable APR, so carrying a balance is not ideal.
  • 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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • 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
  • See if you qualify for a better offer with Capital One:

Our pick for

Small business: Cash back

Capital One Spark Cash Credit Card

on Capital One's website

Annual Fee

$0 intro for the first year, then $95

Regular APR

18.49% Variable APR

Intro APR

N/A

Recommended Credit Score
With versatility and high rewards, the Capital One® Spark® Cash for Business is an ideal option for the right business owner. It earns 2% back on all purchases, and earnings are paid out in cash, the most flexible reward of all.

Pros

In addition to its 2% flat-rate earnings, the card offers an attractive sign-up bonus: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. You'll also get business-specific perks like an itemized expense summary at year's end (great for tax time).

Cons

It's got an annual fee of $0 intro for the first year, then $95, which could be unpalatable to some. (You could be able to deduct it as a business expense on taxes, though.) If your business spends heavily in specific areas, you might do better with a card offering higher rewards in those categories.
  • 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, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Our pick for

Small business: Cash back + no annual fee

Capital One Spark Cash Select Business Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

14.49% - 22.49% Variable APR

Intro APR

0% on Purchases for 9 months

Recommended Credit Score
The Capital One® Spark® Cash Select for Business is a solid choice for entrepreneurs who don't spend as much: unlimited 1.5% cash back and a $0 annual fee.

Pros

With its 1.5% rewards rate and $0, this card is like a "Quicksilver for business." You also can earn a decent sign-up bonus, and there's a 0% introductory APR period if you have a big expense you'd like to finance.

Cons

If you expect to put more than $19,000 a year on the card, you'd come out ahead with the Capital One® Spark® Cash for Business, described above, even with its annual fee.
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Free employee cards, which also earn unlimited 1.5% 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
  • $0 Fraud Liability if your card is lost or stolen
  • No foreign transaction fees

Our pick for

Small business: Travel rewards

Capital One Spark Miles Credit Card

on Capital One's website

Annual Fee

$0 intro for the first year, then $95

Regular APR

18.49% Variable APR

Intro APR

N/A

Recommended Credit Score
The Capital One® Spark® Miles for Business is made for traveling entrepreneurs whose spending doesn't fall neatly into specific categories. You simply get an unlimited 2 miles per dollar spent on everything.

Pros

Capital One's miles are easy to use. They can be redeemed for any travel expense — no blackout dates or restrictions — at a rate of 1 cent apiece. In addition to the standard rate of 2 miles per dollar on purchases, you can earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. There's a great sign-up bonus, too.

Cons

The card has an annual fee of $0 intro for the first year, then $95. After the first year, you'd have to spend at least $4,750 a year on the card before the rewards would outweigh the cost. But keep in mind that this fee could be deducted as a business expense on your taxes.
  • 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
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • 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 Pre✓® 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

Our pick for

Small business: Travel rewards + no annual fee

Capital One Spark Miles Select Business Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

14.49% - 22.49% Variable APR

Intro APR

0% on Purchases for 9 months

Recommended Credit Score
The Capital One® Spark® Miles Select for Business exists for entrepreneurs who don't spend a ton of money and want to earn easy-to-use travel rewards.

Pros

You earn 1.5 miles per dollar spent on all purchases (5 miles per dollar on hotels and rental cars booked through Capital One Travel). Miles can be redeemed for any travel purchase at a rate of a penny apiece. You can snag a decent sign-up bonus. And the annual fee is $0.

Cons

If you expect to spend more than $19,000 a year on the card, you'd come out ahead with the Capital One® Spark® Miles Select for Business, described above, even after paying its annual fee.
  • Earn unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card
  • Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
  • No annual fee
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Free employee cards which also earn unlimited 1.5X miles from their purchases

Our pick for

Small business: Fair credit

Capital One Spark Classic Business Credit Card

on Capital One's website

Annual Fee

$0

Regular APR

24.49% Variable APR

Intro APR

N/A

Recommended Credit Score
Business owners with fair or average credit don't have tons of options in credit cards, particularly rewards cards. The Capital One® Spark® Classic for Business is a good start.

Pros

Although this card's rewards aren't as rich as those on cards for good to excellent credit, the fact that it offers rewards at all makes it worth a long look for those with fair credit. You'll earn unlimited 1% cash back on every purchase. The annual fee is $0.

Cons

The interest rate is high, which can be costly if you consistently carry a balance. Unlike with other Spark cards, you'll get no sign-up bonus.
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% 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
  • No foreign transaction fees

Summary of Best Capital One Credit Cards of February 2020

Credit CardBest ForIntro APRRegular APRAnnual FeeLearn More
Capital One Venture Rewards Credit Card

Capital One® Venture® Rewards Credit Card

on Capital One's website

Travel rewards

N/A

17.24% - 24.49% Variable APR

$0 intro for the first year, then $95

on Capital One's website

Capital One VentureOne Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

on Capital One's website

Travel rewards + no annual fee

0% on Purchases for 12 months

13.49% - 23.49% Variable APR

$0

on Capital One's website

Capital One Quicksilver Credit Card

Capital One® Quicksilver® Cash Rewards Credit Card

on Capital One's website

Flat-rate cash back

0% on Purchases and Balance Transfers for 15 months

15.49% - 25.49% Variable APR

$0

on Capital One's website

Capital One® Savor℠ Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

on Capital One's website

Dining/entertainment rewards

N/A

15.99% - 24.99% Variable APR

$0 intro for the first year, then $95

on Capital One's website

Capital One® SavorOneSM Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

on Capital One's website

Dining/entertainment rewards + no annual fee

0% on Purchases and Balance Transfers for 15 months

15.49% - 25.49% Variable APR

$0

on Capital One's website

Capital One Journey Student Rewards Credit Card

Journey® Student Rewards from Capital One®

on Capital One's website

College students

N/A

26.99% Variable APR

$0

on Capital One's website

Capital One QuicksilverOne Credit Card

Capital One® QuicksilverOne® Cash Rewards Credit Card

on Capital One's website

Fair credit

N/A

26.99% Variable APR

$39

on Capital One's website

Capital One Platinum Credit Card Credit Card

Capital One® Platinum Credit Card

on Capital One's website

Fair credit

N/A

26.99% Variable APR

$0

on Capital One's website

Capital One Secured Mastercard Credit Card

Capital One® Secured Mastercard®

on Capital One's website

Poor credit

N/A

26.99% Variable APR

$0

on Capital One's website

Capital One Spark Cash Credit Card

Capital One® Spark® Cash for Business

on Capital One's website

Small business: Cash back

N/A

18.49% Variable APR

$0 intro for the first year, then $95

on Capital One's website

Capital One Spark Cash Select Business Credit Card

Capital One® Spark® Cash Select for Business

on Capital One's website

Small business: Cash back + no annual fee

0% on Purchases for 9 months

14.49% - 22.49% Variable APR

$0

on Capital One's website

Capital One Spark Miles Credit Card

Capital One® Spark® Miles for Business

on Capital One's website

Small business: Travel rewards

N/A

18.49% Variable APR

$0 intro for the first year, then $95

on Capital One's website

Capital One Spark Miles Select Business Credit Card

Capital One® Spark® Miles Select for Business

on Capital One's website

Small business: Travel rewards + no annual fee

0% on Purchases for 9 months

14.49% - 22.49% Variable APR

$0

on Capital One's website

Capital One Spark Classic Business Credit Card

Capital One® Spark® Classic for Business

on Capital One's website

Small business: Fair credit

N/A

24.49% Variable APR

$0

on Capital One's website

Last updated on January 28, 2020

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.