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Best Capital One Credit Cards of 2019

NerdWalletJune 11, 2019

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 2019

Our pick for

Travel

Capital One Venture Rewards Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0 for the first year, then $95

Regular APR

17.99% - 25.24% Variable APR

Intro APR

N/A

recommended credit score

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 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. 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

Our pick for

Cash back

Capital One Quicksilver Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

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; 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

Our pick for

Small business

Capital One Spark Cash Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0 for the first year, then $95

Regular APR

19.24% Variable APR

Intro APR

N/A

recommended credit score

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 some business-specific perks, such as an itemized expense summary at year's end (great for tax time) and free employee cards.

Cons

It's got an annual fee of $0 for the first year, then $95, which could be unpalatable to some. If your business spends heavily in specific areas, you might do better with a card offering higher rewards in those categories.
  • 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

Our pick for

College students

Capital One Journey Student Rewards Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

26.96% Variable APR

Intro APR

N/A

recommended credit score

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 26.96% 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 pick for

Dining/entertainment

Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases and Balance Transfers for 15 months

recommended credit score

Pros

The card earns an unlimited 3% back on dining and entertainment spending and 2% at grocery stores. All other spending earns 1%. Capital One's definition of entertainment is broad, including such things as concerts, movies, amusement parks, sporting events and more. There's no minimum redemption amount for your rewards.

Cons

If you spend more at the supermarket than on dining out, a card that pays higher rewards on groceries is likely a better fit. Or if you spend more than $9,500 a year on dining and entertainment, this card's big brother — the Capital One® Savor® Cash Rewards Credit Card — is a more valuable choice, even after accounting for its annual fee of $0 for the first year, then $95.
  • 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; 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
  • No foreign transaction fee
  • No annual fee

Our pick for

Average credit

Capital One QuicksilverOne Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$39

Regular APR

26.96% Variable APR

Intro APR

N/A

recommended credit score

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

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

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
  • 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

Last updated on June 11, 2019

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.