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NerdWallet’s Best Capital One Credit Cards of 2017

With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice. We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

Want to find a Capital One credit card for rewards, avoiding fees or  all-around excellence? You’ve come to the right place – we’ll tell you the best cards for your lifestyle.

Are you a traveler? You’re in luck – all Capital One credit cards have no foreign transaction fee, which can save you a solid chunk of change. Want rewards? With easy-to-redeem, never-expiring miles, Capital One consistently delivers high rewards rates and straight-up honesty. Because above all else, Capital One does rewards right.

NerdWallet’s best Capital One credit cards

Best for … Card
Rewards Capital One® Venture® Rewards Credit Card
Small business Capital One® Spark® Cash for Business
College students Journey® Student Rewards from Capital One®

Best for rewards

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee
    • Flexible redemption for travel

    Cons

    • Has annual fee

    Annual Fees

    $0 for the first year, then $59

    APR

    • APR: 13.99% - 23.99% Variable APR
    • Cash Advance APR: 23.99%, Variable

    Bonus Offers

    Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel

    Intro APR

    • N/A
  • Additional Information
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
    • Earn unlimited 2X miles per dollar on every purchase, every day
    • Fly any airline, stay at any hotel, anytime
    • Travel when you want with no blackout dates
    • 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; $59 after that
    • Get a metal Venture Card when you apply today

The Capital One® Venture® Rewards Credit Card card offers the best rewards of pretty much all travel credit cards. You’ll earn 2 miles per $1 spent, for a full 2% rewards rate — one of the best in the business. It pays out in miles that are actually useful, unlike some other rewards programs. It has no foreign transaction fee, of course, and its annual fee is $0 for the first year, then $59.

The card comes with a generous signup bonus: Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel.

With a best-in-class rewards rate, no foreign transaction fee and international acceptance, the Capital One® Venture® Rewards Credit Card is at the front of the pack.

Best for small business

Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No foreign transaction fee

    Cons

    • Has annual fee

    Annual Fees

    $0 for the first year, then $59

    APR

    • APR: 17.99% Variable APR
    • Penalty APR: 30.40%, Variable
    • Cash Advance APR: 23.99%, Variable

    Bonus Offers

    Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening

    Intro APR

    • N/A
  • Additional Information
    • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
    • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
    • Use Spark Cash across all your business spend, with no categories to limit your purchasing
    • $0 intro annual fee for the first year; $59 after that
    • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount, anytime
    • Get employee cards at no additional cost, and earn rewards from their business spend

The Capital One® Spark® Cash for Business is the business equivalent of the Capital One® Venture® Rewards Credit Card, and affords all of the benefits of its personal counterpart and more. It pays out in cash, which is pretty much the only form of rewards that’s easier to redeem than Capital One miles. It pays a full 2% cash back on all purchases, and has an annual fee of $0 for the first year, then $59.

The card also offers an attractive signup bonus: Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening. It offers some business-specific perks, such as an itemized expense summary at the year’s end (great for tax time) and free employee credit cards, too.

With versatility and high rewards, the Capital One® Spark® Cash for Business is a great option for any business owner.

Best for college students

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Apply Now on Capital One's secure site
  • Recommended Credit Score
  • 350
    689
    Poor - Average
  • Card Details
  • Pros

    • Qualify with limited / bad credit
    • No annual fee
    • No foreign transaction fee

    Cons

    • High APR

    Annual Fees

    $0

    APR

    • APR: 24.99% Variable APR
    • Cash Advance APR: 24.99%, Variable

    Bonus Offers

    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

    Intro APR

    • N/A
  • Additional Information
    • 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
    • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Pay no annual or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly due date that works best for you

You receive 1% cash back on all your purchases, plus 0.25% back when you make your monthly payment on time, for a grand total of 1.25% cash back. That isn’t too bad, especially for a student card. It has a $0 annual fee, and your rewards will never expire. Since this is a student credit card, Capital One will be more forgiving of a short credit history.


Last updated Dec. 31, 2016.