How to get a capital one card

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer

$200

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Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

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Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

• Bankrate's ViewCaret Down

  If you're looking for simple, above-average cash rewards you can earn every day on every purchase you make, look no further. Enjoy at least 1.5 percent cash back on everything you buy with this card — without thinking twice about annual fees, purchase categories, or bonus category activation.
   
  
  Read our full Capital One Quicksilver Cash Rewards Credit Card review.

  Pros

  • There’s no need to track spending categories or enrollment dates with this card.
  • There is a 0 percent intro APR on purchases and balance transfers for 15 months with this card (then 19.24 percent to 29.24 percent variable APR and 3 percent fee on the amounts transferred within the first 15 months).

  Cons

  • This card is fairly light on extra cardholder perks.
  • You could earn higher cash back rates in certain spending categories with other cards.

• Card detailsCaret Down
  • Earn a one-time $200 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
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 19.24%-29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for dining and entertainment with no annual fee

Capital One SavorOne Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

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Best for dining and entertainment with no annual fee

Capital One SavorOne Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.9 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• 8% Earn 8% cash back on Capital One Entertainment purchases
• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
• 1% Earn 1% on all other purchases.

Intro offer

$200

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Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Info

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 8% Earn 8% cash back on Capital One Entertainment purchases
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
  • 1% Earn 1% on all other purchases.

• Bankrate's ViewCaret Down

  The Capital One SavorOne Cash Rewards Credit Card is one of the best rewards cards with no annual fee, especially if your spending is heavily focused in the dining and entertainment categories. This card is ideal for families and foodies alike, earning some of the most significant cash back rates in these categories.
  
  Read our full Capital One SavorOne card review

  Pros

  • Get some of the best bang for your buck on food purchases with this card as it offers unlimited 3 percent cash back on both grocery store purchases and dining (excluding superstores like Walmart® and Target®.
  • This card does not charge an annual fee, so you don’t have to earn enough cash back to cover the cost of carrying the card.

  Cons

  • You can’t redeem rewards for airline travel costs.
  • There is a 3 percent balance transfer fee with this card.

• Card detailsCaret Down
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for travel rewards

Capital One Venture Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best for travel rewards

Capital One Venture Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.9 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.9 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• 2X Earn unlimited 2X miles on every purchase, every day.

Intro offer

75,000 miles

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New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

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New Venture cardholders can earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening

Annual fee

$95

Regular APR

20.24% - 28.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 2X Earn unlimited 2X miles on every purchase, every day.

• Bankrate's ViewCaret Down

  This card was created with the traveler in mind and now your miles will get you even further. Cardholders can transfer miles to over 15 leading travel loyalty programs at generous transfer rates. It's easy to redeem your miles for travel and there are a whole host of other travel-related perks.

  Read our full Capital One Venture Rewards Credit Card review.

  Pros

  • This card charges no foreign transaction fees.
  • There are no limits on the amount of miles you can earn.

  Cons

  • This card has a $95 annual fee.
  • This card does not have an intro APR offer on purchases or balance transfers.

• Card detailsCaret Down
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • 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 $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for people with limited credit history

Capital One Platinum Credit Card

Apply Now Lock

On Capital One's secure site

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Best for people with limited credit history

Capital One Platinum Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.3 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

N/A

Intro offer

N/A

Annual fee

$0

Regular APR

29.74% (Variable)

Recommended credit

Fair to Good (580 – 740)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down

  N/A

• Bankrate's ViewCaret Down

  Build your credit by using this card responsibly and you'll be on your way to a higher credit score. Although it doesn't offer rewards, this card comes with excellent secondary perks like automatically being considered for a higher credit line in as little as six months after demonstrating responsible use by paying bills on time. Read our full Capital One Platinum Credit Card review.

  Pros

  • This card does not charge an annual fee.
  • You won’t be required to put down a security deposit with this card.

  Cons

  • The regular APR for this card is steep at 29.74 percent variable.
  • There are no cash back rewards, miles, or points you can earn with this card.

• Card detailsCaret Down
  • 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

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for no annual fee travel rewards

Capital One VentureOne Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best for no annual fee travel rewards

Capital One VentureOne Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.5 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• 1.25X Earn unlimited 1.25X miles on every purchase, every day.

Intro offer

20,000 miles

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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Info

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • 1.25X Earn unlimited 1.25X miles on every purchase, every day.

• Bankrate's ViewCaret Down

  For travelers who like to leave it all behind, including the annual fee, the Capital One VentureOne Rewards Credit Card offers a low-cost alternative to premier travel cards. The VentureOne earns 1.25X miles on all purchases and also lets you take advantage of Capital One’s flexible, versatile program. 
   
  
  Read our full Capital One VentureOne Rewards Credit Card review.

  Pros

  • There is no annual fee to carry this card.
  • There is a 0 percent intro APR on purchases and balance transfers for 15 months with this card (then 19.24 percent to 29.24 percent variable APR and a 3 percent fee on the amounts transferred within the first 15 months).

  Cons

  • Redeeming for non-travel options, such as Amazon.com or PayPal purchases, will reduce the value of your miles.
  • The 15-month intro APR offer on purchases is shorter than other intro APR offers.

• Card detailsCaret Down
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months

  Additional features

  Purchase intro APR

  0% intro on purchases for 15 months

  Balance transfer intro APR

  0% intro on balance transfers for 15 months

Best for small businesses

Capital One Spark Cash Plus

Apply Now Lock

On Capital One's secure site

Add to compare

Best for small businesses

Capital One Spark Cash Plus

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.7 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.7 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

Intro offer

Up to $1,000 cash bonus

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Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

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Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening

Annual fee

$150

Regular APR

N/A

Recommended credit

Excellent (740 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions

• Bankrate's ViewCaret Down

  If your everyday expenses go in a lot of directions, the Capital One Spark Cash Plus can make it easier to direct cash back into your business. You won’t have to devise a strategy for spending big in specific categories and this is a charge card, a notable perk for business owners who have no interest in carrying a balance from month to month.

  Read our full Capital One Spark Cash Plus review.

  Pros

  • You can claim your rewards at any time and in any amount.
  • Your rewards will never expire as long as your account remains active.

  Cons

  • You’re required to pay your balance in full every month with this charge card.
  • There is a $150 annual fee to hold this card.

• Card detailsCaret Down
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Earn an annual $200 cash bonus every year you spend $200,000 or more—that's enough to cover your annual fee and then some
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best for fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rating: 4.1 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.1 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer

N/A

Annual fee

$39

Regular APR

29.74% (Variable)

Recommended credit

Fair to Good (580 – 740)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

• Bankrate's ViewCaret Down

  People with fair credit can still earn respectable, flat-rate cash back rewards thanks to this card. With responsible use and Capital One’s credit-monitoring tools, you may eventually be eligible to upgrade to the no-annual-fee Capital One Quicksilver Cash Rewards Credit Card.

  Read our full Capital One QuicksilverOne Card review.

  Pros

  • There is a low barrier of entry to be approved for this card (recommended for fair to good credit ranges of 580 to 740).
  • There is potential for a credit limit increase after demonstrating responsible use via six months of on time payments.

  Cons

  • The annual fee that comes with this card ($39) can limit its long-term value.
  • There are no intro APR offers on purchases or balance transfers.

• Card detailsCaret Down
  • 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
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best overall for students

Capital One Quicksilver Student Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Best overall for students

Capital One Quicksilver Student Cash Rewards Credit Card

Apply Now Lock

On Capital One's secure site

Add to compare

Rewards Rate

• 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• 1.5% Earn unlimited 1.5% cash back on every purchase, every day

Intro offer

$50

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Early Spend Bonus: Earn $50 when you spend $100 in the first three months

Info

Early Spend Bonus: Earn $50 when you spend $100 in the first three months

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Fair to Good (580 – 740)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 1.5% Earn unlimited 1.5% cash back on every purchase, every day

• Bankrate's ViewCaret Down

  Building good credit habits requires attention and responsibility. For some, keeping track of rewards bonus categories is a distraction. If you’d like to earn consistent rewards without a second thought, the Capital One Quicksilver Student Cash Rewards Credit Card is a great choice. Read our full Capital One Quicksilver Student Cash Rewards Credit Card review.

  Pros

  • There are no minimum requirements for redeeming reward earnings.
  • This card does not charge an annual fee or foreign transaction fees.

  Cons

  • There is no intro APR offer on balance transfers or purchases.
  • This card charges a late fee. While standard for most cards, some student cards do not charge one.

• Card detailsCaret Down
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

BEST FOR PREMIUM TRAVEL BENEFITS

Capital One Venture X Rewards Credit Card

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BEST FOR PREMIUM TRAVEL BENEFITS

Capital One Venture X Rewards Credit Card

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Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 5 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
• 5X 5X miles on flights booked through Capital One Travel.
• 2X Earn unlimited 2X miles on all other purchases

Intro offer

75,000 miles

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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

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Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual fee

$395

Regular APR

21.24% - 28.24% (Variable)

Recommended credit

Excellent (740 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X 5X miles on flights booked through Capital One Travel.
  • 2X Earn unlimited 2X miles on all other purchases

• Bankrate's ViewCaret Down

  This souped-up version of Capital One’s popular Venture cards combines premium perks like airport lounge access with a generous return on travel purchases and flexible redemption options. Plus, there’s a notable anniversary bonus (10,000 bonus miles, equal to $100 towards travel, every year, starting on your first anniversary).

  Read our full Capital One Venture X Rewards Credit Card review.

  Pros

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
  • The card charges no foreign transaction fees and gives you an up to a $100 credit for Global Entry or TSA PreCheck®.

  Cons

  • Some will balk at the high ($395) annual fee, but it’s lower than competing luxury travel cards.
  • Capital One is short on domestic U.S. carriers when it comes to transfer partners.

• Card detailsCaret Down
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for consumers with bad credit

Capital One Platinum Secured Credit Card

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Best for consumers with bad credit

Capital One Platinum Secured Credit Card

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Rating: 4.2 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.2 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

N/A

Intro offer

N/A

Annual fee

$0

Regular APR

29.74% (Variable)

Recommended credit

No Credit History

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down

  N/A

• Bankrate's ViewCaret Down

  This card offers reporting to the three major credit bureaus, which separates it from other secured cards. Use of the card may entitle you to a higher line of credit without any additional deposits as you will be automatically considered for a higher credit line in as little as six months by demonstrating responsible use with on-time monthly payments. Read our full Capital One Platinum Secured Credit Card review.

  Pros

  • Cardholders can focus on building a better credit history without the distraction of trying to earn the most cash back, points, or miles.
  • You can put down a security deposit as low as $49 and still get at least a $200 starting credit limit.

  Cons

  • The regular APR for this card is high at 29.74 percent variable.
  • A security deposit is required for this card as collateral.

• Card detailsCaret Down
  • 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 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

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for business travel rewards

Capital One Spark Miles for Business

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Best for business travel rewards

Capital One Spark Miles for Business

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Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 2X 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.

Intro offer

50,000 miles

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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

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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

Annual fee

$0 intro for first year; $95 after that

Regular APR

25.24% (Variable)

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 2X 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.

• Bankrate's ViewCaret Down

  The Capital One Spark Miles for Business offers an easy way to earn miles and get more value out of the money you spend on business travel. You can book travel directly through Capital One Travel or transfer miles to any of the Capital One travel partners serving North America, Asia, Europe and other regions.

  Read our full Capital One Spark Miles for Business review.

  Pros

  • The $95 annual fee is $0 intro for the first year.
  • There are 15+ travel partners where you can transfer miles.

  Cons

  • The value for redemption options outside of travel is quite low.
  • There are no intro APR offers on purchases or balance transfers.

• Card detailsCaret Down
  • 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
  • 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
  • Fly through security with one statement credit for either the $85 TSA PreCheck® 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

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for on-the-go students

Capital One SavorOne Student Cash Rewards Credit Card

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Best for on-the-go students

Capital One SavorOne Student Cash Rewards Credit Card

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Rating: 4.6 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 4.6 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• 8% Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
• 1% Earn 1% on all other purchases.

Intro offer

$50

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Early Spend Bonus: Earn $50 when you spend $100 in the first three months

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Early Spend Bonus: Earn $50 when you spend $100 in the first three months

Annual fee

$0

Regular APR

19.24% - 29.24% (Variable)

Recommended credit

Fair to Good (580 – 740)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • 8% Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • 1% Earn 1% on all other purchases.

• Bankrate's ViewCaret Down

  Student life is all about finding a balance between fun and staying on budget. Luckily, this card’s student-centric rewards program can help you do both. The rewards categories target common expense categories for students, earning 3 percent cash back on dining, entertainment, and popular streaming services (at least 1 percent on all other purchases). The card also has a generous welcome offer; students only have to spend $100 in the first three months to earn $50 back. Read our full Capital One SavorOne Student Cash Rewards Credit Card review.

  Pros

  • This card has a practical touch, earning 3 percent cash back on grocery store purchases (excluding superstores like Walmart® and Target®).
  • There is no annual fee or foreign transaction fee associated with this card.

  Cons

  • Superstores like Target and Walmart do not count for the 3 percent cash back rate.
  • The regular APR is high with this student card at 19.24 percent to 29.24 percent variable.

• Card detailsCaret Down
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

BEST SECURED CARD FOR FLAT-RATE REWARDS

Capital One Quicksilver Secured Cash Rewards Credit Card

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BEST SECURED CARD FOR FLAT-RATE REWARDS

Capital One Quicksilver Secured Cash Rewards Credit Card

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On Capital One's secure site

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Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 3.8 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• 1.5% Earn unlimited 1.5% cash back on every purchase, everywhere

Intro offer

N/A

Annual fee

$0

Regular APR

29.74% (Variable)

Recommended credit

No Credit History

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, everywhere

• Bankrate's ViewCaret Down

  This new secured credit card from Capital One stands out for two reasons. First, it doesn’t charge an annual fee. Second, it offers unlimited 1.5 percent cash back on every purchase and 5 percent cash back on hotels and rental cars booked through Capital One Travel (terms apply), a true rarity for the secured credit card category. Read our full Capital One Quicksilver Secured Cash Rewards Credit Card review.

  Pros

  • There’s no annual fee, which is (relatively) rare for a secured credit card.
  • This card also skips foreign transaction fees.

  Cons

  • The 29.74 percent variable APR is high, so you’ll want to avoid carrying a balance on this card.
  • For undisciplined spenders looking to rebuild credit, a rewards program could prove distracting.

• Card detailsCaret Down
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • 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
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

  Additional features

  Purchase intro APR

  N/A

  Balance transfer intro APR

  N/A

Best for students

Journey Student Rewards from Capital One

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Best for students

Journey Student Rewards from Capital One

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On Capital One's secure site

Add to compare

Rating: 3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rating: 3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 1% 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

  How do I qualify for a Capital One credit card?

  Capital One Credit Card Requirements.

  18+ years old..

  Physical U.S. address (no P.O. boxes).

  Proof of enough income to make the monthly minimum card payment..

  Bad to good credit or better, depending on the card..

  Social Security number or ITIN..

  Is Capital One easy to get a credit card from?

  It is not very hard to get a Capital One credit card because Capital One offers cards for people with bad credit or better. The easiest credit card to get from Capital One is the Capital One Quicksilver Secured Cash Rewards Credit Card, which is available to applicants with bad credit.

  Is Capital One hard to get approved?

  As long as you meet the credit score requirement and a few other requirements, it's not hard to get a Capital One credit card. As with all credit cards, you'll need to have a steady income and be at least 18 years old. You'll also need to have an SSN.

  How do I request a Capital One card?

  Lost or stolen debit card.

  Sign in online at capitalone.com..

  Select the spending account for your debit card..

  Choose “account services and settings.”.

  Under “manage debit card,” choose “replace lost card” and follow the steps..