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Capital One Credit Cards

9 min read
By Brendan Harkness Sep 24, 2019 | Updated Mar 25, 2021
At a glance

Capital One issues a set of low-cost credit cards, designed for everything from travel to building credit. You won’t find too many extravagant perks, but most Capital One cards offer solid rewards and benefits for a reasonable annual fee (and many have no annual fees).

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The information related to Bass Pro Shops CLUB Card, Cabela's CLUB Mastercard, Capital One BuyPower Card, BuyPower Business Card, Kohl's Charge Card, Lord & Taylor Card, maurices VIP Credit Card, SaksFirst Store Card, SaksFirst Mastercard, Walmart Rewards Card, and Walmart Rewards Mastercard have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Capital One has positioned itself as a recognized financial brand in America, celebrated as one of the nation’s top 10 largest banks. Its identity as a banking authority doesn’t come without a considerably large product backing.

Whether you’re looking to build credit, take advantage of cash back bonuses, or need a card to support your travel expenses, Capital One (not to be confused with the less-respected Credit One) offers consumers a selection of cards designed to support a variety of lifestyle habits and necessities.

Insider tip

Capital One also has a line of credit cards designed for small businesses, the Capital One Spark Business Credit Cards.

Cash Back Rewards

Card & Rewards Annual Fee Credit Level
Capital One Savor Cash Rewards Credit Card

  • 8% cash back at Vivid Seats
  • 4% cash back on Dining and Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back on all other purchases
  • $300 cash bonus for spending $3,000 in the first 3 months
$95 Excellent
Capital One SavorOne Cash Rewards Credit Card

  • 3% cash back on Dining and Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back on all other purchases
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
$0 Excellent
Capital One Quicksilver Cash Rewards Credit Card

  • 1.5% cash back on every purchase
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
$0 Excellent
Capital One QuicksilverOne Cash Rewards Credit Card

  • 1.5% cash back on every purchase
$39 Average

Although Capital One labels some of its cards as being for excellent credit, that’s a fairly loose requirement and it doesn’t necessarily mean you need credit scores above 800. In most of those cases good credit history should suffice, although there’s more to the application decision than just credit scores.

Capital One Savor Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 24.99% Variable
Apply Now

securely on the issuer's website

The information related to Capital One Savor Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One Savor Cash Rewards Credit Card is made for foodies, with a focus on dining out. If your typical habits include the daily coffee trip or frequent nights out on the town you could find a good value here, but check out the SavorOne below for a similar no-fee option.

Spending Rewards
  • 8% cash back on tickets at Vivid Seats
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • $300 cash bonus for spending $3,000 in the first 3 months

Key Features

  • Annual fee: $95

 

Capital One SavorOne Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.49% - 25.49% Variable
  • 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 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
  • No foreign transaction fee
  • No annual fee

The information related to Capital One SavorOne Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One SavorOne Cash Rewards Credit Card is a lesser version of the Savor, but that doesn’t make it a worse card. Its (slightly) lower rewards are compensated by no annual fee and an intro APR, and depending on how much you’ll spend on dining and entertainment, it could easily be a better pick than the Savor.

Spending Rewards
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
Introductory Bonus
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

Key Features

  • Intro Purchase APR: 0% 15 months
  • Regular Purchase and Balance Transfer APR: 15.49% - 25.49% Variable
  • Annual fee: $0

 

Capital One Quicksilver Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.49% - 25.49% Variable
  • 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
  • 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
  • Pay no annual fee or foreign transaction fees

The information related to Capital One Quicksilver Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One Quicksilver Cash Rewards Credit Card is a solid flat-rate card, without any category restrictions to consider. This makes it ideal to fill in the gaps between the bonus categories of your other cards. If you can’t qualify for this card you may qualify for the QuicksilverOne below, which is similar but with an annual fee.

Spending Rewards
  • 1.5% cash back on all purchases
Introductory Bonus
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

Key Features

  • Intro Purchase APR: 0% intro APR for 15 months
  • Regular Purchase and Balance Transfer APR: 15.49% - 25.49% Variable
  • Annual fee: $0

 

Capital One QuicksilverOne Cash Rewards Credit Card

Our rating
Min. credit levelFair
Details
Annual Fee$39
Regular APR26.99% (Variable)
Apply Now

securely on the issuer's website

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

The information related to Capital One QuicksilverOne Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One QuicksilverOne Cash Rewards Credit Card could be a good choice if your credit isn’t the best. This credit card offers decent flat-rate rewards with no limit but lacks a one-time bonus, and comes with a small fee.

Spending Rewards
  • 1.5% cash back for every purchase

Key Features

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Annual fee: $39
Insider tip

Capital One cash back has no expiration date, and, unlike cash back earned with many issuers, can be redeemed in any amount. This allows you to redeem whenever and in whatever increment you’d like for the life of the account.

Travel Rewards

Card & Rewards Annual Fee Credit Level
Capital One Venture Rewards Credit Card

  • 2X miles per dollar on every other purchase
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
$95 Excellent
Capital One VentureOne Rewards Credit Card

  • 1.25X miles per dollar on every other purchase
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
$0 Excellent

Capital One Venture Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR17.24% - 24.49% Variable
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • 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✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

The information related to Capital One Venture Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One Venture Rewards Credit Card was created for travelers of all kinds. You can transfer miles to participating airline partners, and you’ll even get an expedited airport security statement credit — a rare find on a card at this fee level.

When you redeem for travel with Capital One, there are no blackout dates or seat restrictions whatsoever, and your miles will never expire.

Spending Rewards
  • 2X miles per dollar on all purchases
Introductory Bonus
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months

Key Features

  • Miles transfer: Transfer your miles to a number of travel loyalty programs.
  • Global Entry/TSA PreCheck application fee credit: Get a credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • No foreign transaction fees
  • Annual fee: $95

 

Capital One VentureOne Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.49% - 25.49% Variable
  • $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
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Transfer your miles to over 15+ travel loyalty programs
  • Enjoy 0% intro APR on purchases for 12 months; 15.49% – 25.49% variable APR after that

The information related to Capital One VentureOne Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

If you like the Venture card but you’d rather not pay an annual fee, the Capital One VentureOne Rewards Credit Card might suit you better. You’ll earn rewards at a lesser rate, and the welcome bonus is smaller, but you’ll also get a 0% intro interest rate.

Spending Rewards
  • 1.25X miles per dollar spent on all purchases
Introductory Bonus
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel

Key Features

  • Miles transfer: Transfer your miles to a number of travel loyalty programs.
  • Intro Purchase and Balance Transfer APR: 0% intro APR for 12 months
  • Regular Purchase and Balance Transfer APR: 15.49% - 25.49% Variable
  • No foreign transaction fees
  • Annual fee: $0
Insider tip

In addition to your usual redemption options, Capital One travel rewards cards offer an interesting feature known as the Purchase Eraser. It allows you to redeem your rewards to cover past travel purchases.

Building Credit: Unsecured and Secured Credit Cards

Capital One Platinum Credit Card

Our rating
Min. credit levelLimited Credit History
Details
Annual Fee$0
Regular APR26.99% (Variable)
Apply Now

securely on the issuer's website

  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our 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
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

The information related to Capital One Platinum Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One Platinum Credit Card is a simple card made for people with average or limited credit, and could make a good stepping stone up to more rewarding credit cards. Consider it if you’re still navigating the credit-building process and are having trouble qualifying for better cards, but also check out the Journey Student card below, a similar option but with cash back rewards (it doesn’t require you to be a student).

Key Features

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Annual fee: $0

 

Secured Mastercard® from Capital One

Our rating
Min. credit levelBad
Details
Annual Fee$0
Regular APR26.99% (Variable)
Apply Now

securely on the issuer's website

  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • 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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app

The information related to Secured Mastercard® from Capital One has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

If your credit is poor and you’re ready to work your way back up, the Secured Mastercard® from Capital One can help you do just that.

As a secured card it requires a security deposit to fund your credit line, but in this case you’ll be asked to make a starting deposit of $49, $99, or $200, depending on your creditworthiness. No matter which amount you’re required to deposit, you’ll get an initial credit line of $200 (you can deposit more for a higher credit line).

It’s a small credit limit, but most secured cards give you a limit that simply matches your deposit. The Capital One Secured card also automatically considers you for a higher credit line after six months, another feature that sets it apart from other cards of this type.

Key Features

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Security Deposit: Minimum required deposit will give a $200 credit limit; deposit up to $1,000 for a $1,000 credit line.
  • Annual fee: $0

Student Credit Cards

Journey Student Rewards from Capital One

Our rating
Min. credit levelLimited Credit History
Details
Annual Fee$0
Regular APR26.99% (Variable)
Apply Now

securely on the issuer's website

  • 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
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

The information related to Journey Student Rewards from Capital One has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Journey Student Rewards from Capital One is great for building credit and learning the ropes of responsible card use, all while earning a bit of cash back. Despite the name, you don’t actually have to be a student to qualify for this card; anyone is welcome to apply.

Spending Rewards
  • 1% cash back for every purchase
    • 1.25% cash back if you pay on time

Key Features

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Annual fee: $0

Co-Branded & Store Credit Cards

In addition to its personal lineup of cards, Capital One partners with a handful of retailers and organizations to offer cards with perks specific to each company.

Capital One Credit Card Features

Capital One provides a number of standard features to cardholders, in addition to any specific card perks. These benefits may vary slightly depending on the category of card you’ve chosen (e.g. secured vs. travel), so be sure to read up on the features of your particular card to make the most out of it.

Cardholder benefits may include:

  • Account management and support: Capital One offers online access to your account from your smartphone and computer alike. You can choose your monthly due date and preferred payment method. You’ll have access to a mobile app and the Eno online assistant, to help keep an eye on your accounts and alert you when something is wrong, as well as 24/7 customer service if you have immediate questions.
  • Fraud coverage and protections: All Capital One cards come with zero-risk fraud liability to cover you against fraudulent purchases in the case of a stolen or lost card. You can create virtual card numbers to make online purchases safer, or easily place a lock on your card should you find that you’ve misplaced it (or if it might be stolen).
  • Capital One CreditWise: The CreditWise service provides access to your VantageScore 3.0 credit score, based on your TransUnion credit report. You can also explore various aspects of your TransUnion report, like account and credit utilization details.
  • Mastercard or Visa benefits: Your card will come with a number of benefits and/or shopping and travel protections, depending on the tier at which you’re approved (World Mastercard, World Elite Mastercard, etc.). These may include a personal concierge service, price protection, travel accident insurance, rental car insurance, and many more.
  • Miles Transfer: Capital One miles can be transferred to a number of travel loyalty programs, where you can use them to help fuel your travel plans.
  • No foreign transaction fees: All Capital One cards come with no foreign transaction fees, making them good picks for traveling abroad or making purchases in foreign currency.

A Brief History of Capital One

Capital One’s journey to the seventh-largest bank in the U.S. (based on total assets) was one accomplished relatively quickly — the credit card issuer was founded in 1988 by Richard Fairbank, who currently serves as the Chairman and CEO.

He believed that information, technology, and analytics could be brought together to provide customers with powerful financial tools to support their personal economic development. This belief propelled the company’s reliance on analytics as its primary strategy for creating credit cards for a variety of customers.

Richard Fairbank, Founder, Chairman, and CEO of Capital One.

Richard Fairbank, Founder, Chairman, and CEO of Capital One. Image credit: Capital One Press Room

Advertised as a “monoline” company, meaning virtually all revenue comes from a single product, its profits soared off of credit cards alone. During strong economic times, the bank was able to compete with more diverse competitors offering products beyond credit cards. However, during harder periods of financial inconsistencies, the company struggled to keep up.

The Move From Monoline

Although Capital One is still most notable for its expansive line of cards, it began to understand the need for diversity as it neared the 21st century. In the late 1990s and early 2000s, it entered retail banking to minimize the risk of limited revenue streams under a monoline business approach. This marked the time in which Capital One began applying its analytical data, previously utilized to construct customer profiles to propel its credit card business, to the sector of auto financing.

Throughout the early 2000s, the company made several key acquisitions to help support its transition into retail banking. It bought out Hibernia Nation Bank in 2006, followed by North Fork Bank and Chevy Chase Bank in 2008 in order to boost its market share in the New York and Washington D.C metropolitan areas.

One of the most important acquisitions, which finalized a transition from a monoline business layout to a diverse model that focused on providing retail banking services, was of ING Direct in 2012. This particular acquisition allowed Capital One to begin exploring online banking as a strategic tool in the customer’s financial experience.

Analytical Giants

One advantage Capital One had over competitors, even during its monoline days, was the ability to deep-dive into analytical reporting in order to understand its customer’s spending patterns. This level of intelligence allowed it to design cards according to the specific needs of its customers.

Analytics helped Capital One produce quality products that allowed it to stay afloat during harsher economic periods, despite only having credit cards as its sole stream of revenue. Its dedication to quality customer support and personal attention helped its customer base grow organically, so when it began acquiring larger banks in the early 2000s, its following naturally ventured into the expanded line of products and services.

A Small Period of Tremendous Growth

Capital One’s analytical abilities further complemented the growth experienced by the additional acquisitions. Like many big banks before it, Capital One strategically acquired companies based on their expertise in order to boost its own capabilities.

When Rob Alexander was appointed as the company’s Chief Information Officer in 2007, he placed a focus on acquisitions as a means of growing its reach and expanding its financial offerings.

The Historical Journal Square where Capital One houses one of its thriving New Jersey offices. Image credit: ChickPeaJC

This included additional lenders to increase its own credibility within the loan space, and technology companies to expand its digital and analytic operations. Its acquisition of ING in 2011 was key in pushing the company into the online banking sphere.

Alexander recognized the significant role mobile banking would have in the years to come. He began actively adopting a more agile business management style from 2011 onward, building a software development team to deliver better online banking to customers.

The ING acquisition and everything that followed allowed Capital One to be deemed third-largest card lender in the U.S, after financial powerhouses JPMorgan Chase and Bank of America.

Expanding and Making Finance More Accessible

Headquartered in McLean Virginia, Capital One has progressed significantly from its monoline days. Despite its now-diversified offering of products and services, it remained true to its credit card roots and demonstrates unwavering dedication to providing a high-quality customer experience.

It currently has 123 offices across the U.S as well as locations in Canada, Germany, France, the Philippines, and the U.K. Capital One is beginning a new endeavor to revamp the way customers experience banking through the development of trendy financial cafes to complement its traditional local branches.

Capital One Cafe, NYC location. Image credit: Business Insider

Through the lure of freshly roasted coffee and innovative workspaces, these cafes are intended to provide a welcoming space for customers to take control of their finances. They offer one-on-one money coaching as well.

The Name You Know Today

As of 2018, Capital One earned $32.38 billion in revenue, and continues to help fund charitable endeavors such as its Future Edge initiative to support affordable housing and increase financial literacy. To accomplish this, the program has invested $150 million over the course of a five-year plan, focused on low-opportunity areas.

Logo for Capital One’s Financial Edge financial literacy program.

Image credit: Capital One

In addition to funding financial literacy programs that teach financial independence, Capital One also has committed itself to sponsoring college-based athletic programs to help students succeed academically and in its communities, as well as furthering financial and professional opportunities for minority- and women-owned businesses.

Capital One’s 2019 Data Breach

In July 2019, Capital One hit a bit of a speedbump.

A hacker managed to access a variety of personal information, ranging from Social Security numbers and linked bank account numbers to names and addresses, belonging to millions of Capital One customers in both the U.S. and Canada.

The good news? The suspect has since been apprehended, and Capital One’s rundown of the incident suggests that none of the information accessed seems to have been disseminated.

Nevertheless, the situation is an important reminder that even the modern security technology employed by global businesses has its weaknesses. If you think you may have been impacted by this breach, or any other data breach, make sure you understand how to deal with identity theft, and monitor your credit reports to keep an eye out for fraudulent activity.

Capital One has stated that it will notify customers that may have been impacted via traditional mail. Free credit monitoring and identity protection services are being offered to those affected.

Looking for cards from other major issuers? Check out the best credit cards in a variety of categories and from many different issuers.

Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

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