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Best Capital One Credit Cards in 2020

Best Capital One Credit Cards in 2020

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 30, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Whether you’re looking for cash back, travel rewards or need to rebuild your credit, Capital One has a wide variety of cards from which to choose.

If you are already a Capital One cardholder, but are interested in either upgrading or downgrading your card to one that is a better fit, know that you can request a “product change.” Check out our guide on how it works.

In this article:

Best Capital One card for cash back

  • Unlimited 1.5% Cash Back on every purchase, every day

  • 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • 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; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

See additional details for Capital One® Quicksilver® Cash Rewards Credit Card

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For those who don’t want to worry about keeping track of bonus spending categories or enrolling in rotating categories each quarter, the Capital One® Quicksilver® Cash Rewards Credit Card is the way to go. This card earns 1.5% cash back on every purchase, every day. The annual fee is $0. And the sign-up bonus is a pretty good value — earn a one-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.

Additional card details:

Intro purchase APR Intro balance transfer APR Balance transfer fee Foreign transaction fee
0% intro on purchases for 15 months. After, 15.49% - 25.49% (variable) APR. 0% intro on balance transfers for 15 months. After, 15.49% - 25.49% (variable) APR. 3% None

Best Capital One card for travel rewards

  • 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

  • 2 Miles per dollar on every purchase, every day

  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®

Highlights
  • 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 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 $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 15+ leading travel loyalty programs
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

See additional details for Capital One® Venture® Rewards Credit Card

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If you’re looking for a travel card that’s straightforward and isn’t tied to one particular airline or hotel brand, take a look at the Capital One® Venture® Rewards Credit Card. It offers 2 miles per dollar on every purchase, every day. Plus, you can either use your miles to book upcoming travel or use them via the Purchase Eraser feature to cover a past travel purchase. (If you want to use Purchase Eraser, make sure to do it within 90 days from the date your travel purchase posts to your account.)

Also nice for frequent travelers — you can receive a credit of up to $100 every four years when you use the Capital One® Venture® Rewards Credit Card to pay for Global Entry or TSA PreCheck.

You can earn 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.

Additional card details:

Regular purchase APR Balance transfer APR Balance transfer fee Foreign transaction fee
17.24% - 24.49% (variable) 17.24% - 24.49% (variable) $0 None

Best Capital One card for dining and entertainment

  • 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.

  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • 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
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

See additional details for Capital One® Savor® Cash Rewards Credit Card

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If you’re a foodie and an entertainment buff, and want to earn rewards for it, check out the Capital One® Savor® Cash Rewards Credit Card. Whether you’re out for sushi, surf and turf or the hottest new vegan cafe, this card can reward your love of great food. It offers 4% cash back on dining; 4% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. plus, earn 8% cash back on tickets at vivid seats through may 2020. There’s an annual fee of $0 intro for first year; $95 after that. The sign-up bonus has a great value but also a heavy spend requirement — earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening.

Additional card details:

Regular purchase APR Balance transfer APR Balance transfer fee Foreign transaction fee
15.99% - 24.99% (variable) 15.99% - 24.99% (variable) $0 None

If you aren’t sure you want a card with an annual fee, take a look at the Capital One® SavorOne® Cash Rewards Credit Card. This card offers 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases. The annual fee is $0.

  • 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • 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; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One® SavorOne® Cash Rewards Credit Card

More Info

Best Capital One card for those new to credit

  • Access a higher credit line by making first 5 monthly payments on time

  • Pay no annual fee

  • 26.99% (Variable)

Highlights
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

See additional details for Capital One® Platinum Credit Card

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Everyone has to start somewhere. If you’re searching for your first credit card, consider the Capital One® Platinum Credit Card. It’s a non-rewards card, but it’s available to folks with average/fair/limited credit.

It has an annual fee of $0 and it’s a normal, unsecured credit card, so using the Capital One® Platinum Credit Card is a great opportunity to build your credit without having to pay an annual fee or submit a security deposit. Plus, it gives you a chance to access a higher credit line after making your first five monthly payments on time.

Additional card details:

Regular purchase APR Balance transfer APR Balance transfer fee Foreign transaction fee
26.99% (variable) 26.99% (variable) $0 None

Best Capital One card for college students

  • Earn 1% cash back on all purchases

  • Earn 25% bonus on cash back you earn each month you pay on time

  • Higher credit line after 5 on-time monthly payments

Highlights
  • 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

See additional details for Journey® Student Rewards from Capital One®

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As long as you’re 18 or older and have a steady source of income, college is a good time to open your first credit card. The age of your accounts is part of what makes up your credit score, so starting to build credit early gives you a leg up on building up a history of responsible credit usage.

The Journey® Student Rewards from Capital One® has a decent cashback rate, and the way you earn your rewards provides an incentive to always make on-time payments. You can earn 1% cash back on all purchases; 0.25% cash back bonus on the cash back you earn each month you pay on time.

Plus, this is a good card to have with you if you study abroad as it has a foreign transaction fee of none. The annual fee is $0.

Additional card details:

Regular purchase APR Balance transfer APR Balance transfer fee Foreign transaction fee
26.99% (variable) 26.99% (variable) $0 None

Best Capital One card for bad credit

  • Build Credit When Used Responsibly

  • $49, $99, or $200

  • 26.99% (Variable)

Highlights
  • 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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • 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

See additional details for Capital One® Secured Mastercard®

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If your credit is limited/bad, don’t worry — you still have a chance at getting approved for the Capital One® Secured Mastercard®. It’s a secured card, which means you have to submit a security deposit to the card issuer. With most secured cards, your deposit becomes your credit limit. For example, if you submit a $200 deposit, you’ll receive a $200 limit.

This card is unique in that it has a deposit amount of $49, $99, or $200. If your application for the card is approved, you’ll be notified what your deposit amount is. Whichever deposit you qualify for, you’ll still receive a credit limit of $200. If you qualify for one of the lower deposit amounts, that can save you money compared with other secured cards.

Read our review of the Capital One® Secured Mastercard®.

Additional card details:

Regular purchase APR Balance transfer APR Balance transfer fee Foreign transaction fee
26.99% (variable) 26.99% (variable) $0 None

Best Capital One card for small business

  • 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

  • Redeem cash back for any amount at any time

Highlights
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

See additional details for Capital One® Spark® Cash for Business

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The Capital One® Spark® Cash for Business offers 2% cash back for your business on every purchase, everywhere. The annual fee is $0 intro for first year; $95 after that. If your business spends at least $4,750 on this card each year (after year one) you’ll recoup the annual fee. Everything after that is net cash back. Plus, there’s a sign-up bonus — earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening.

Additional card details:

Regular purchase APR Balance transfer APR Balance transfer fee Foreign transaction fee
18.49% (variable) 18.49% (variable) N/A None

If your business requires you to travel a lot, you might consider the Capital One® Spark® Miles for Business. It’s very similar to the Capital One® Spark® Cash for Business, but instead of cash back, it offers 2 miles per $1 on every purchase, everywhere. The annual fee is $0 intro for first year; $95 after that.

  • Unlimited 2x miles per dollar

  • 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.

  • Redeem miles with any airline and any hotel

Highlights
  • 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
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • 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 Pre✓® 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

See additional details for Capital One® Spark® Miles for Business

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The bottom line

Whether you’re looking for a credit card with no annual fee or one with an annual fee and more premium rewards, there’s a good chance something on this list will fit your needs.

If you’re interested in a Capital One card but aren’t sure what you have a good chance of getting approved for, you can check Capital One’s website to find out what cards you’re prequalified for. This can be a good way to know what you have a shot at without risking a hard inquiry on your credit report. It’s also smart to check your credit score before applying. There are free ways to check, including My LendingTree, offered by CompareCards.com’s parent company.


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