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Capital One Credit Cards
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- Annual Fee $0
-
Welcome OfferN/A
-
Rewards RateNon-rewards Card
- Credit Needed Limited / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
If you have fair credit then this card gives you a way to enjoy the perks and features of a Mastercard, despite your less than stellar credit. The interest rate is pretty high, but there is no annual fee, and you have access to some helpful account management tools.
Our Take
The Good
The good thing about this particular card is that it allows someone to have a genuine Mastercard when they do not really have great credit. It's a great first-time credit card.
The Not So Good
The interest rate is high and if you carry a balance that can get really expensive, really fast. You should pay your balance in full each month with this card because of the 28.99% (Variable) APR.
Card Details
- Click APPLY NOW to apply online.
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
- Annual Fee $95
-
Welcome Offer1,000 dollars
-
Rewards Rate2X - 5X Miles
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$1,170
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Est. Monthly Rewards
$119
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Est. First Year Rewards
$2,601
The Bottom Line
The Capital One Venture Rewards Credit Card is a really good travel rewards card for the frequent traveler. You can earn tons of miles and use them in many different ways with no expiration dates or hidden fees.
Our Take
The Good
There's no cap on how many miles you can earn, and you can redeem them for all sorts of travel products and services such as flights, hotels, and car rentals.
The Not So Good
Your credit has to be excellent-good and there is an annual fee of $95.
Card Details
- Click APPLY NOW to apply online.
- LIMITED-TIME OFFER: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
- Annual Fee $0
-
Welcome OfferN/A
-
Rewards RateNon-rewards Card
- Credit Needed Limited / Poor
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$0
-
Est. First Year Rewards
$0
The Bottom Line
This card now comes with no annual fee, making it one of the few secured cards without it. Capital One Platinum Secured Credit Card is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
Our Take
The Good
With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.
The Not So Good
The APR is 28.99% (Variable). You also have to put forth a security deposit in order to get this card.
Card Details
- Click APPLY NOW to apply online.
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
- Annual Fee $0 intro for first year; $95 after that
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Welcome Offer50,000 miles
-
Rewards Rate2X - 5X Miles
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
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Est. Intro Rewards
$600
-
Est. Monthly Rewards
$193
-
Est. First Year Rewards
$2,915
The Bottom Line
With a solid mile-earnings program, the Capital One Spark Miles for Business is a great card for business travelers and their employees. Plus the annual fee is $0 intro for first year; $95 after that.
Our Take
The Good
Customers earn 2 miles per $1 on every purchase, everywhere; 5 miles per dollar on hotels, vacation rentals and rental cars booked through capital one's travel booking site. You can also 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.
The Not So Good
Based on our research, you'll need excellent-good credit. There is also an annual fee of $0 intro for first year; $95 after that.
Card Details
- Click APPLY NOW to apply online.
- 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
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One's travel booking site
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
- Annual Fee $39
-
Welcome OfferN/A
-
Rewards Rate1.5% - 5% Cash Back
- Credit Needed Limited / Fair
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$0
-
Est. Monthly Rewards
$92
-
Est. First Year Rewards
$1,105
The Bottom Line
The Capital One QuicksilverOne Cash Rewards Credit Card is a great option for those with fair-limited credit. Most cards for average credit are bleak in their benefits and reward offerings, but not this one.
Our Take
The Good
With such a strong rewards rate on all purchases, this is a fantastic card for consumers with average credit.
The Not So Good
There’s a small $39 annual fee attached, but you can easily make that up with the rewards you earn.
Card Details
- Click APPLY NOW to apply online.
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
- Annual Fee $150
-
Welcome Offer$2,000 cash back
-
Rewards Rate2% - 5% Cash Back
- Credit Needed Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
-
Est. Intro Rewards
$2,000
-
Est. Monthly Rewards
$193
-
Est. First Year Rewards
$4,315
The Bottom Line
The Capital One Spark Cash Plus card is an easy recommend in the small business space for its incredible ongoing rewards, best-in-class welcome offers and ease-of-use.
Our Take
The Good
The Capital One Spark Cash Plus card has an outstanding suite of welcome offers and easy-to-use cash back rewards that easily cover its relatively low annual fee.
The Not So Good
Because this card focuses on flexible cash rewards, it misses out on the more powerful single-category rewards offered by some of its competitors.
Card Details
- Click APPLY NOW to apply online.
- Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
- Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
- Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
- Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
- Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
- Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
- $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
- Spark Cash Plus has no APR because your balance is due in full every month
- For businesses that need large spending capacity and want to maximize cash back
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.