Best of

Best Capital One Credit Cards of 2019

NerdWalletMay 21, 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

$95

Waived first year

Regular APR

17.99% - 25.24% 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.

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

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. Many other cash rewards cards have minimum redemption requirements.

Our pick for

Small business

Capital One Spark Cash Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$95

Waived first year

Regular APR

19.24% 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, which is pretty much the only form of reward that's even easier to redeem than Capital One miles.

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

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.

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

Anyone who loves to dine out, take out, or just go out on the town would be hard-pressed to find a better cash-back card for an annual fee of $0 than the Capital One® SavorOne℠ Cash Rewards Credit Card.

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

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.

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.

Last updated on May 21, 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.