The Top 10 Capital One Credit Cards
One of the most popular credit card issuers today is Capital One. Not only does the company have a wide range of offerings, they’re more flexible when it comes to credit approvals. Capital One is a good option to consider for business and personal use, and most of their cards come with nice perks. Here are ten of the best Capital One credit cards.
1. Capital One Venture Rewards
This Capital One credit card comes with great travel rewards, including a one time 40,000 mile bonus if you spend $3,000 during the first three months of having the card. No blackout dates, miles that don’t expire, and the potential to earn unlimited points are other great features. The annual fee is $59, but that’s waived for the first year.
APR: variable, 13.24% to 23.24%
Best for: Those who travel often, including internationally. You can choose the hotel or airline of your choice and travel at any time, plus there are no foreign transaction fees when you use the card.
2. Capital One Quicksilver Cash Rewards
Quicksilver is a flexible Capital One credit card that gives you 1.5% cash back on each and every purchase you make. You can also get a one time $100 cash bonus if you spend $500 on purchases within three months of singing up. There are no foreign transaction or annual fees for this card, and it offers one free Uber ride for every tenth ride that you book.
APR: 0% on purchases and balance transfers for the first nine months, then a variable 13.24% to 23.24%.
Best for: Uber riders, those who use their credit cards sparingly, and anyone who wants to earn cash back with their credit card. There’s no limit to the cash back that you can earn, and your rewards and earnings won’t expire.
3. Journey Student Rewards from Capital One
The is a great Capital One credit card for students, and you only need fair credit to quality. You’ll receive a higher credit line after making your first five monthly payments on time. There are no monthly fees with this card, and you can choose your monthly statement due date.
APR: variable, 20.24%
Best for: College students who are learning to use credit responsibly. You’ll receive 1% cash back on all purchases, and that rate rises to 1.25% if you pay your bill on time during any particular month.
4. Capital One PlayStation Card
There aren’t many credit cards geared towards gamers, but this is an exception. It’s especially beneficial if you prefer the PlayStation platform, as you’ll receive 10 points for every $1 spent at the PlayStation Store. You’ll earn three points at Sony and PlayStation authorized retailers, for paying your cell phone bill, purchases made at movie theaters, and spending money fast food restaurants. For all other purchases, you’ll earn one point, plus there’s no annual fee to use this card.
APR: 0% on all purchases made by July 2017, then a variable 14.24% to 24.99%
Best for: PlayStation fans who regularly make purchases from the PlayStation Store, buy Sony products, go to the movies a lot, or eat out regularly. If you make a purchase anywhere within the first 90 days of having the card, you’ll receive 5,000 bonus points.
5. Capital One BuyPower Card
This is a versatile Capital One credit card that will reward you with 5% earnings on the fist $5,000 in purchases that you make each year. After that, you’ll get 2% earnings on each purchase, and earnings don’t expire. The card has no annual fee, no reward redemption limits, and you won’t incur any foreign transaction fees on purchases.
APR: 0% on purchases for the first 12 months, then a variable, 13.15% to 23.15%
Best for: Those who want World Elite MasterCard benefits and would prefer a card with no annual fee. The card also allows you to redeem points you earn towards the purchase or lease of Cadillac, GMC, Buick, and Chevrolet cars.
6. Capital One VentureOne Rewards
This card is similar to the Venture Rewards Capital One credit card, but it’s geared towards helping you save on travel purchases rather than simply earning reward miles. It’s a bit more flexible in that regard, and there’s also no annual fee with this product. You’ll receive the equivalent of $400 in travel rewards if you spend $3,000 on purchases during the first three months after you sign up for the card.
APR: variable 13.24% to 23.24%
Best for: Those who like to travel, want a variety of reward options, and prefer cards without an annual fee.
7. Capital One Spark Cash for Business
Capital One has several credit cards just for business owners, including Spark Cash. It allows you to earn an unlimited 2% cash back on all purchases, and you can get cards for your employees that are tied to the account. There are no category limits for earning points, and the $59 annual fee is waived for the first year.
APR: variable 17.24%
Best for: Business owners who have employees and want to give them access to a credit line, and those who often make purchases for business purposes.
8. Capital One Spark Miles for Business
The Spark Miles Capital One credit card is similar to Spark Cash, but you’ll earn miles in addition to cash back. You can redeem your points for travel, cash back, gift cards to select stores, and there are other options as well. No blackout dates, seat restrictions, or category limits, and no expiration dates make this card a good fit for business travelers.
APR: variable 17.24%
Best for: Entrepreneurs who frequently travel for business.
9. Capital One Platinum Credit Card
In most cases, to get a Capital One credit card you need good or excellent credit. The Platinum card, however, requires only fair credit. If you make your first five monthly payments on time, you’ll receive a credit limit increase.
APR: variable 24.99%
Best for: Those looking to build or strengthen their credit profile, or anyone who doesn’t have good credit that’s not a student. There’s no annual fee for the card.
10. Capital One Secured Card
Unlike many secured credit cards, Capital One’s option doesn’t come with an annual fee. You’ll get a $200 credit line to start off with and will be required to deposit either $49, $99, or $200 for security. Your limit can be raised if you make the first five monthly payments on time — and you won’t have to pay an additional deposit — and regular reporting to all three major bureaus will help get you on the right track.
APR: variable 24.99%
Best for: Those with poor credit who want a chance to rebuild and increase their credit’s standing.