Capital One offers one of the best selections of credit cards for sign-up bonuses, rewards, 0% introductory APRs, travel benefits, and rebuilding credit.

About Capital One credit cards

Capital One is the fourth largest credit card issuer in the United States. It offers an array of banking products including checking and savings accounts, auto loans, and more. Capital One markets both prime credit cards for consumers with excellent credit scores as well as credit cards designed for consumers who are new to credit or are rebuilding credit.

Credit score requirements to get approved for a Capital One credit card vary by the individual offer, but most require good credit. To increase your approval chances for the Capital One card you want, pay attention to the credit score required listed under each card name.

Capital One Venture Rewards Credit Card

In A Nutshell

Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.

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In A Nutshell

Capital One’s leading product is the Capital One Venture Rewards Credit Card and it shows. A one-time 75,000 mile bonus after spending $4,000 in the first 3 months is flat out AWESOME, and 2X miles per dollar spent is about as good as it gets with a travel rewards credit card.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

  • 2X miles earned for $1 spent on all purchases

  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

  • 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
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
18.99% - 26.99% (Variable)
Annual Fee
$95

Apply Now >>

Card features:

  • Annual fee: $95.
  • APR range: 18.99% - 26.99% (Variable).
  • Introductory APR: N/A.
  • Sign-up bonus: 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Rewards: Unlimited 2X miles on every $1 on all purchases.
  • Other features: $100 application fee credit for Global Entry or TSA PreCheck®; fly any airline, stay at any hotel, anytime – no blackout dates; transfer your miles to over 15 travel partners; no foreign transaction fees.

Why the Capital One Venture Rewards Credit Card is good for travel

When you use the Capital One Venture Rewards Credit Card, your rewards will come in the form of miles, which you’ll accumulate through everyday purchases, but can be redeemed for travel.

And if you’re thinking there’s a foreign transaction fee, you’ll be happy to know there isn’t one! This is particularly important for international travel. But you’ll also get the fee credit for either Global Entry or TSA PreCheck® and no limitations on travel providers. You can also transfer your miles to more than 10 travel partners.

How to use the Capital One Venture Rewards Credit Card

You can use the card the way you would any other rewards card, but the real benefit is in using the rewards toward travel.

Why you might not want to consider the Capital One Venture Rewards Credit Card

If you’re not a frequent traveler, this card may not interest you. It also doesn’t offer a 0% balance transfer benefit, so you may not be interested if you’re looking to transfer high-interest credit card balances. 

Capital One VentureOne Rewards Credit Card

In A Nutshell

The Capital One VentureOne Rewards Credit Card has a litany of benefits including a 20,000 mile one-time bonus after spending $500 in the first 3 months, a 0% intro APR on purchases and balance transfers for 15 months (after which the standard rate of 17.99% – 27.99% Variable applies). A balance transfer fee of 3% applies to amounts transferred within the first 15 months.

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In A Nutshell

The Capital One VentureOne Rewards Credit Card has a litany of benefits including a 20,000 mile one-time bonus after spending $500 in the first 3 months, a 0% intro APR on purchases and balance transfers for 15 months (after which the standard rate of 17.99% – 27.99% Variable applies). A balance transfer fee of 3% applies to amounts transferred within the first 15 months.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • A one-time bonus of 20,000 miles after spending $500 in the first three months

  • 1.25 miles earned on every $1 spent

  • No annual fee and no foreign transaction fees

  • $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; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro APR Purchases
0%
Intro Term Purchases
for 15 months
Intro APR Balance Transfers
0% intro on balance transfers
Intro Term Balance Transfers
for 15 months
Regular APR
17.99% - 27.99% (Variable)
Annual Fee
$0

Apply Now >>

Card features:

  • Annual fee: $0.
  • APR range: 17.99% - 27.99% (Variable).
  • Introductory APR: 0% for 15 months on purchases and balance transfers; 3% fee on the amounts transferred within the first 15 months.
  • Sign-up bonus: 20,000 bonus miles after spending $500 in purchases within three months of account opening.
  • Rewards: Unlimited 1.25X miles on all purchases.
  • Other features: Fly any airline, stay at any hotel, anytime – no blackout dates; transfer your miles to over 15 travel partners; no foreign transaction fees.

Why the Capital One VentureOne Rewards Credit Card is good for no annual fee

It’s not just the absence of an annual fee that makes this an outstanding credit card. Like the Capital One Venture Card, the Capital One VentureOne Rewards Credit Card is tailored specifically to travelers.

You can earn 20,000 bonus miles, worth $200 in statement credits toward travel purchases, after spending $500 on purchases in the first three months of opening your account.

You’ll also earn 1.25 miles for all purchase activities with no limitations on airlines or hotels. You can also transfer your miles to more than 15 travel partners.

How to use the Capital One VentureOne Rewards Card 

You can go about your regular purchase activity, then redeem your miles for statement credits toward travel purchases. The more you use your card, the more miles you’ll accumulate. 

Why you might not want to consider the Capital One VentureOne Rewards Card

If you’re not a traveler, this will not be the card for you. It’s also not a card to have if you prefer less restricted use of your rewards, since the miles redemptions are limited to travel-related purchases.

Capital One SavorOne Cash Rewards Credit Card

In A Nutshell

Foodies will love that the Capital One SavorOne offers unlimited 3% cash back on restaurants and grocery stores. Plus, you’ll enjoy that same 3% rate on entertainment and select streaming services. However, you’ll need to look elsewhere if you want a card that offers strong bonus rewards outside of these categories, as the SavorOne only gives 1% back on all other purchases.

 

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In A Nutshell

Foodies will love that the Capital One SavorOne offers unlimited 3% cash back on restaurants and grocery stores. Plus, you’ll enjoy that same 3% rate on entertainment and select streaming services. However, you’ll need to look elsewhere if you want a card that offers strong bonus rewards outside of these categories, as the SavorOne only gives 1% back on all other purchases.

 

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Easily attainable, one-time $200 cash bonus after spending $500 in the first three months

  • 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®) — with no limit to the rewards you earn.

  • No annual fee or foreign transaction fees, helping you keep costs as low as possible.

  • 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
  • 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; 17.99% - 27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
Intro APR Purchases
0%
Intro Term Purchases
for 15 months
Intro APR Balance Transfers
0% intro on balance transfers
Intro Term Balance Transfers
for 15 months
Regular APR
17.99% - 27.99% (Variable)
Annual Fee
$0

Apply Now >>

Card features:

  • Annual fee: $0.
  • APR range: 17.99% - 27.99% (Variable).
  • Introductory APR: 0% for 15 months on purchases and balance transfers (3% fee applies to all transfers).
  • Sign-up bonus: $200 after spending $500 within three months of opening your account.
  • Rewards: 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.
  • Other features: No annual fee; no foreign transaction fee.

Why the Capital One SavorOne Cash Rewards Credit Card is a strong credit card

It holds many of the strong features of the Savor product but on a reduced earning level AND with no annual fee.

At the same time, you’ll also get an easy to qualify sign-up bonus which makes the card very attractive for those who like spending on dining and entertainment but hate paying an annual fee.

How to use the Capital One SavorOne Cash Rewards Credit Card

You can transfer your high-interest credit cards to the Capital One SavorOne Rewards Credit Card at any time, but you will be charged a balance transfer fee of 3%. You’ll also want to transfer any balances as soon as you open the card to take advantage of the 0% intro APR for 15 months on purchases and balance transfers (after that the ongoing rate applies).

Why you might not want to consider the Capital One SavorOne Cash Rewards Credit Card

This is a good all-around credit card, and we can’t think of any reason why you wouldn’t consider it. 

Capital One Platinum Credit Card

In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

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In A Nutshell

Finding an unsecured credit card with average credit can be difficult, but the Capital One Platinum Credit Card is happy to have your business. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking to build a strong credit history and there’s no annual fee.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Only average / fair / limited credit is required for approval

  • Be automatically considered for a higher credit line in as little as 6 months

  • No annual fee or foreign transaction fees

  • 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
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
28.49% (Variable)
Annual Fee
$0

Apply Now >>

Card features:

  • Annual fee$0.
  • APR range: 28.49% (Variable).
  • Introductory APR: N/A.
  • Sign-up bonus: N/A.
  • Rewards: N/A.
  • Other features: Reports to all three credit bureaus to improve your credit score through on-time payments; credit limit can be increased after making the first six monthly payments on time; monitor your credit; no annual fee.

Why the Capital One Platinum Credit Card is good for building or rebuilding your credit 

The Capital One Platinum Credit Card is a no-frills way to build or rebuild an impaired or nonexistent credit history.

While this doesn’t mean poor credit, by making your payments on time, you’ll have the opportunity to improve your score.

How to use the Capital One Platinum Credit Card 

For this card to work, you must commit to making all monthly payments on time. In part, this is so your credit limit might be increased after making the first six payments on time. The longer you go making on-time payments, the higher your credit score will be. The purpose of this card is not to stay with it forever, but rather to improve your credit score so you can qualify for a more generous rewards card later on.

Why you might not want to consider the Capital One Platinum Credit Card

The Capital One Platinum Credit Card doesn’t offer any typical benefits, like a sign-up bonus, rewards, or a 0% introductory APR.

If you’re looking to rebuild your credit, and you like to earn cash back rewards, the Capital One QuicksilverOne Card (above) might be a better option for you. 

Capital One Quicksilver Cash Rewards Credit Card

In A Nutshell

The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash back rewards credit card that charges no annual fee or foreign transaction fees. With a solid earning rate of 1.5% cash back and plenty of ways to redeem, it’s a good option for those seeking simplicity and savings, rather than earning as much cash back as possible.

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In A Nutshell

The Capital One Quicksilver Cash Rewards Credit Card is a flat-rate cash back rewards credit card that charges no annual fee or foreign transaction fees. With a solid earning rate of 1.5% cash back and plenty of ways to redeem, it’s a good option for those seeking simplicity and savings, rather than earning as much cash back as possible.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Good/
  • Excellent
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • A one-time $200 cash bonus after spending $500 in purchases within the first 3 months

  • 1.5% cash back on all purchases

  • A 0% intro APR on purchases and balance transfers for the first 15 months – after which, the ongoing APR of 17.99% – 27.99% applies; 3% fee on the amounts transferred within the first 15 months

  • 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; 17.99%-27.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
Intro APR Purchases
0%
Intro Term Purchases
for 15 months
Intro APR Balance Transfers
0% intro on balance transfers
Intro Term Balance Transfers
for 15 months
Regular APR
17.99% - 27.99% (Variable)
Annual Fee
$0

Apply Now >>

Card features:

  • Annual fee$0.
  • APR range: 17.99% - 27.99% (Variable).
  • Introductory APR: 0% for 15 months on purchases and balance transfers; 3% fee on the amounts transferred within the first 15 months.
  • Sign-up bonus: $200 after spending $500 in the first three months.
  • Rewards: Unlimited 1.5% cash back on all purchases.
  • Other features: Monitor your credit score with CreditWise from Capital One; no foreign transaction fees.

Why the Capital One Quicksilver Cash Rewards Credit Card is good for unrestricted cash back

What makes the Capital One Quicksilver Cash Rewards Credit Card the top choice for unrestricted cash back is the simplicity of both earning and redeeming points. First, the sign-up bonus is very easy to qualify for, with $500 in purchases in the first three months earning you $200. You’ll then earn unlimited 1.5% cash back on all purchases, with no restrictions or categories.

Cash back can be redeemed at any time for any amount. It’s a card that puts you in complete control of your cash back benefits.

How to use the Capital One Quicksilver Cash Rewards Credit Card 

There’s no special way to use this card, since it’s so easy to earn both the sign-up bonus and the rewards. The only recommendation is that the more you spend, the more you’ll earn in rewards. You should use this card as often as possible but plan to pay the balance off in full each month. By avoiding interest charges, you’ll get the full benefit of the rewards. 

Why you might not want to consider the Capital One Quicksilver Cash Rewards Credit Card 

You may want to look at a different card if you’d like a more generous sign-up bonus. While the bonus on this card is very easy to qualify for, it’s at the low end of the sign-up bonus range, at just $200. You may also be interested in other cards if you’re looking for higher rewards on specific spending categories or even revolving categories.

Capital One QuicksilverOne Cash Rewards Credit Card

In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

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In A Nutshell

If you don’t have the excellent credit needed to score some of the bonuses other Capital One credit cards offer, consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cash back on all purchases with a modest $39 annual fee.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • 1.5% cash back on all purchases.

  • Be automatically considered for a higher credit line in as little as six months.

  • No foreign transaction fees and a modest $39 annual fee.

  • 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
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
28.49% (Variable)
Annual Fee
$39

Apply Now >>

Card features:

  • Annual fee: $39.
  • APR range: 28.49% (Variable).
  • Introductory APR: N/A.
  • Sign-up bonus: N/A.
  • Rewards: Unlimited 1.5% cash back on all purchases.
  • Other features: Credit limit can be increased after making your first six monthly payments on time; monitor your credit score with CreditWise from Capital One; no foreign transaction fees or balance transfer fees.

Why the Capital One QuicksilverOne Cash Rewards Credit Card is good for impaired credit and cash back

The Capital One QuicksilverOne Cash Rewards Credit Card will work best for those who have a few delinquencies in their recent past, but no major credit problems, like a recent bankruptcy or foreclosure.

It offers an opportunity to get a cash back credit card that will help you improve your credit so that you can get a more generous rewards credit card later. 

How to use the Capital One QuicksilverOne Cash Rewards Credit Card

You’ll likely start out with a relatively small credit limit. But it’s important to make all payments on time so that your positive payment history will be reported to all three credit bureaus. Your credit limit may be increased after making your first six monthly payments on time. Apart from that, use the card the way you would any other rewards card, and earn 1.5% cash back on all purchases. 

Why you might not want to consider the Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card won’t be a solution if you have fair or poor credit. It’s mainly for those who have recent delinquencies.   

Capital One SavorOne Student Cash Rewards Credit Card

In A Nutshell

Students will love earning an unlimited 3% cash back on popular everyday purchases and 1% cash back on all other purchases, all with no annual fee. Plus, student cardholders will also earn 8% cash back on entertainment purchases when booked through the Capital One Entertainment Portal. Build your credit with responsible card use and be automatically considered for a higher credit line in as little as 6 months.

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Apply Now On the Secure Website

In A Nutshell

Students will love earning an unlimited 3% cash back on popular everyday purchases and 1% cash back on all other purchases, all with no annual fee. Plus, student cardholders will also earn 8% cash back on entertainment purchases when booked through the Capital One Entertainment Portal. Build your credit with responsible card use and be automatically considered for a higher credit line in as little as 6 months.

Read review
Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Limited Time Offer: Earn $100 when you spend $100 in the first three months

  • 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)

  • 8% cash back on entertainment when booked through the Capital One Entertainment Portal

  • 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
  • Limited Time Offer: Earn $100 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
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
17.99% - 27.99% (Variable)
Annual Fee
$0

Apply Now >>

Card features:

  • Annual fee: $0.
  • APR range: 17.99% - 27.99% (Variable).
  • Introductory APR: N/A.
  • Sign-up bonus: Limited time offer: Earn $100 cash rewards after you spend $100 in the first three months of account opening.
  • Rewards: Unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases.
  • Other features: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Why the Capital One SavorOne Student Cash Rewards is good for students 

The Capital One SavorOne Student Cash Rewards earns cardholders the most in the categories where students tend to spend the most: dining and entertainment. And with no foreign transaction fees and travel accident insurance included, it’s a great option for your next spring break trip or study abroad stint.

How to use the Capital One SavorOne Student Cash Rewards

To make the most of the 3% cash back offer, be sure to use your Capital One SavorOne Student Cash Rewards on dining, groceries, and entertainment purchases like streaming. And if you’re a sports fan or concert-goer, you can earn even more. Make your entertainment purchases with your SavorOne card through Capital One Entertainment and you’ll score 8% cash back.

Until recently, Capital One didn’t have any welcome offers for new sign-ups to its student credit cards, but that’s now changed. To earn the new bonus offer, spend $100 in your first three months of account opening. You’ll then get $100 in cash rewards.

Why you might not want to consider the Capital One SavorOne Student Cash Rewards card 

If most of your spending is outside the dining and entertainment categories, you’ll benefit more from Capital One’s other student credit cards, like the Journey Student Rewards from Capital One (up to 1.25% cash back on all categories) or the Capital One Quicksilver Rewards for Students (1.5% cash back on all categories).

Capital One Platinum Secured Credit Card

In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

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In A Nutshell

If you are worried that you will not get approved for a conventional credit card or have been rejected in the past, the Capital One Platinum Secured is an excellent option. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

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Credit Score Requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Poor
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850

What We Like:

  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line.

  • Be automatically considered for a higher credit line in as little as six months with no additional deposit needed.

  • No annual fee and no foreign transaction fees.

  • 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
Intro APR Purchases
N/A
Intro Term Purchases
N/A
Intro APR Balance Transfers
N/A
Intro Term Balance Transfers
N/A
Regular APR
28.49% (Variable)
Annual Fee
$0

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Card features:

  • Annual fee$0.
  • APR range: 28.49% (Variable).
  • Introductory APR: N/A.
  • Sign-up bonus: N/A.
  • Rewards: N/A.
  • Other features: Reports, to all three major credit bureaus; $200 initial credit line with a refundable deposit of $49, $99 or $200;a  chance to increase your credit line by either increasing your security deposit, or automatically be considered for a higher credit limit in as little as six months; the card will not have “secured” printed on it; no annual fee.

Why the Capital One Platinum Secured Credit Card is good for bad credit

The Capital One Platinum Secured Credit Card helps you to improve your credit scores by reporting your payment history to all three major credit bureaus. As you make your payments on time, your credit scores will rise. Eventually, you’ll be able to apply for unsecured cards with more generous benefits. In the meantime, the card won’t say “secured”, and there’s no annual fee to pay.

How to use the Capital One Platinum Secured Credit Card

Plan to make your monthly payments on time each and every month. That’s how you’ll get a boost in your credit score. But you’ll also have your credit limit reviewed automatically in as little as six months. You can also increase your credit limit by adding to your security deposit.

Why you might not want to consider the Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card is an outstanding card for consumers with bad credit. But if you have average credit, you may be better served with the Capital One QuicksilverOne Card, which offers cash back rewards and doesn’t require a security deposit (see description above).

Capital One Savor Cash Rewards Credit Card

Card features:

  • Annual fee: $95.
  • APR range: See partner website*
  • Introductory APR: N/A.
  • Sign-up bonus: $300 cash bonus after spending $3,000 in purchases within three months of opening your account.
  • RewardsUnlimited 4% cash back on dining, entertainment, and popular streaming services, plus 3% at grocery stores (excluding superstores like Walmart® and Target®), and 1% on all other purchases.
  • Other features: Rewards don’t expire, and can be redeemed for any amount; no foreign transaction fees.

Why the Capital One Savor Cash Rewards Credit Card is good for general rewards 

What makes the Capital One Savor Cash Rewards Credit Card stand out as a general rewards card is that it offers enhanced cash back on spending categories you are likely to take advantage of.

As well, rewards can be redeemed for any amount – there’s no need to wait until you reach a certain threshold. This is one of the simplest rewards cards in the entire credit card industry (note that you do need good credit to apply).

How to use the Capital One Savor Cash Rewards Credit Card 

You’ll obviously want to favor dining and entertainment purchases since they’ll fetch 4% cash back. And you’ll probably have no difficulty whatsoever taking advantage of grocery purchases, with 3% cash back. Otherwise, you can use the card for all other purchases, and earn unlimited 1%. 

Why you might not want to consider the Capital One Savor Cash Rewards Credit Card

If you’re looking for a 0% introductory APR balance transfer card, Capital One is not your issuer.  They currently aren’t offering any intro APRs on their Savor and Venture products.

If you have high-interest credit cards you want to transfer, you’re best served to look elsewhere.

Disclaimer – The information about the Capital One Savor Cash Rewards Credit Card has been collected independently by MoneyUnder30.com. The card details have not been reviewed or approved by the card issuer.

How we came up with this list

Capital One credit cards offer a lot of benefits within the group. In determining which card was best for each category, we considered the following criteria:

  • Annual fee.
  • Other fees (balance transfer, foreign transactions, etc.) 
  • APR range.
  • 0% introductory APR offer.
  • Sign-up bonus (how much and the requirements for qualification.)
  • Rewards.
  • Rewards restrictions or enhancements.
  • Specific travel perks.
  • Credit requirements, especially for average, impaired, or bad credit.
  • Suitability for students.
  • Business credit card perks. 

Most cards offer several of the above features but at different levels. We made our “best for” recommendations based on the area where each card stood out as being at least slightly better than the others. 

How to determine which Capital One Credit Card will be the best credit card for you

Since Capital One offers so many credit cards, it can be difficult to decide which Capital One credit card will work best for you. But start by determining the top two or three factors that mean the most to you.

Get a cash back card if you want the highest rewards

For example, if you’re most interested in rewards, choose a card that offers the most generous cash back, points, or miles – particularly if they can be earned with unrestricted purchases.

However, if you do have certain spending categories you favor, you may want to lean toward a card that pays the most generous rewards in that particular category.

Capital One has plenty of credit-building cards

Naturally, if you have impaired or bad credit, you’ll only be able to apply for the cards that are available in those categories. And Capital One offers three cards that provide you with the ability to improve your credit, so that you’ll be able to go on to apply for more generous cards later.

For example, they report to all three major credit bureaus, allow you to increase your credit limit after making the first six payments on time, and may not require an annual fee.

Don’t get sucked in by a sign-up bonus

But when it comes to benefits like a sign-up bonus or a 0% introductory APR, be careful not to give these perks too much weight. After all, they’re temporary!

A solid strategy is to choose a card that offers one or both benefits, but also generous ongoing rewards and other benefits that will best match your spending patterns.

The Best Capital One Credit Cards FAQ

In most cases, yes. That’s because rewards will be the primary benefit you’ll have once the sign-up bonus has been paid. It’s important to think long-term with any credit card offer, otherwise you’ll be applying for a new credit card every time you end the sign-up bonus with the last one. However, there may be situations where you expect to have a significant amount of spending activity within the next several months, and a large sign-up bonus will come in handy. But you’ll have to weigh that against the continuing need for the card once the bonus has been paid.
Unfortunately, it’s a standard practice in the credit card industry that you can’t know either in advance. In fact, the vast majority of credit card companies won’t even allow you to request a specific credit limit. Since the underwriting guidelines are based on the issuing bank and the particular credit card, both determinations can only be made once you’ve submitted an application. The card issuer will establish both your interest rate and credit limit based on your credit score, income, the amount of debt you’re carrying, and other factors.
Most credit card issuers maintain a policy that your rewards will never expire, as long as your account remains open and is in good standing. We recommend you take that “in good standing” requirement very seriously. Buried somewhere in the fine print, a credit card issuer may have the option to revoke your rewards based on one or more late payments. The best strategies to make sure you make your payments on time each and every month.
First, as described above, you can’t know what you’re APR is going to be until you make application. Second, here at Money Under 30, we always recommend you pay off your credit card balances in full each month so you can avoid paying interest on your balance entirely. Many people maintain that practice, making the APR range less of a factor.

Summary 

There are a lot of credit cards to sort through on this list! That’s why we’ve provided the table below to summarize the basic features of all the best Capital One credit cards:

Credit cardAnnual feeAPR rangeSign-up bonusRewards
Capital One Venture Rewards Card$9518.99% - 26.99% (Variable)75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account openingUnlimited 2X miles per dollar spent on all purchases
Capital One VentureOne Rewards Card$0 17.99% - 27.99% (Variable)20,000 miles ($200) after $500 spent within first 3 monthsUnlimited 1.25X miles per dollar spent on all purchases
Capital One Savor Cash Rewards Card$95See partner website$300 after $3,000 is spent within first 3 monthsUnlimited 4% cash back on dining, entertainment, and popular streaming services; 3% at grocery stores; 1% on all other purchases
Capital One SavorOne Rewards Card$0 17.99% - 27.99% (Variable)$200 after $500 is spent within first 3 monthsUnlimited 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
Capital One Platinum Credit Card$028.49% (Variable)N/AN/A
Capital One Quicksilver Cash Rewards Credit Card$017.99% - 27.99% (Variable)$200 after $500 is spent within first 3 monthsUnlimited 1.5% cash back on all purchases
Capital One QuicksilverOne Cash Rewards Credit Card$3928.49% (Variable)N/AUnlimited 1.5% cash back on all purchases
Capital One SavorOne Student Cash Rewards Credit Card$017.99% - 27.99% (Variable)Earn $100 cash rewards after you spend $100 in the first three months of account openingUnlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, plus 1% on all other purchases; 8% cash back on Capital One Entertainment purchases
Capital One Platinum Secured Credit Card$028.49% (Variable)N/AN/A

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About the author

David Weliver
Total Articles: 285
David Weliver is the founder of Money Under 30. He's a cited authority on personal finance and the unique money issues he faced during his first two decades as an adult. He lives in Maine with his wife and two children.