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Best Capital One Credit Cards of December 2021
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Capital One offers popular credit cards with rewards that are easy to redeem. Its cards typically have low or no annual fees, no foreign transaction fees and rewards that can be redeemed with no minimum. With cards for business travelers, cash back rewards, students and limited credit, Capital One has an easy-to-use credit card for practically every type of consumer. Read more about our methodology.
Best Capital One Cards of December 2021
Best Capital One Credit Cards of December 2021
- Capital One Venture Rewards Credit Card: Best feature: Travel rewards
- Capital One VentureOne Rewards Credit Card: Best feature: No annual fee
- Capital One Platinum Credit Card: Best feature: No annual fee
- Capital One Quicksilver Cash Rewards Credit Card: Best feature: 1.5% flat-rate cash back on purchases
- Capital One SavorOne Cash Rewards Credit Card: Best feature: Cash back on dining with no annual fee
- Capital One Platinum Secured Credit Card: Best feature: No annual fee
- Capital One QuicksilverOne Cash Rewards Credit Card: Best feature: Flat-rate cash back rewards
- Journey Student Rewards from Capital One: Best feature: Cash back rewards for students
- Capital One® Walmart Rewards™ Mastercard®: Best feature: Walmart purchases
- BuyPower Card®: Best feature: GM purchases
- BuyPower Business Card™: Best feature: GM business purchases
- Capital One Quicksilver Secured Cash Rewards Credit Card:
- Capital One Spark Miles for Business: Best feature: 5 miles per dollar on hotel and rental car bookings through Capital One Travel
- Capital One SavorOne Student Cash Rewards Credit Card:
- Capital One Quicksilver Student Cash Rewards Credit Card:
- Capital One Spark Cash Plus:
- Capital One Venture X Rewards Credit Card:
Capital One Venture Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 2X
miles on every purchase, every day.
- 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
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$95
Intro Bonus
60,000 miles
APR
15.99% - 23.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$95
APR
15.99% - 23.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One VentureOne Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 5X
miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- 1.25X
miles on every purchase, every day
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
Intro Bonus
20,000 miles
APR
14.99% - 24.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$0
APR
14.99% - 24.99% (Variable)
Penalty APR
None
Purchases Intro APR
0% intro on purchases for for 15 months
Balance Transfer Intro APR
0% intro on balance transfers for for 15 months
Balance Transfer Fee
3%
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One Platinum Credit Card
On Capital One's Secure Website.
At A Glance
Credit Needed
580-740
Fair to GoodAnnual Fee
$0
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Average, Fair, Limited
Annual Fee
$0
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One Quicksilver Cash Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 1.5%
cash back on every purchase, every day
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
Intro Bonus
$200 cash bonus
APR
14.99% - 24.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$0
APR
14.99% - 24.99% (Variable)
Penalty APR
None
Purchases Intro APR
0% intro on purchases for for 15 months
Balance Transfer Intro APR
0% intro on balance transfers for for 15 months
Balance Transfer Fee
3%
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One SavorOne Cash Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 8%
cash back on tickets at Vivid Seats through January 2023
- 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.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
Intro Bonus
$200 cash bonus
APR
14.99% - 24.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$0
APR
14.99% - 24.99% (Variable)
Penalty APR
None
Purchases Intro APR
0% intro on purchases for for 15 months
Balance Transfer Intro APR
0% intro on balance transfers for for 15 months
Balance Transfer Fee
3%
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One Platinum Secured Credit Card
On Capital One's Secure Website.
At A Glance
Credit Needed
300-670
Bad to FairAnnual Fee
$0
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Limited, Bad
Annual Fee
$0
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One QuicksilverOne Cash Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 1.5%
Cash Back on every purchase, every day
At A Glance
Credit Needed
580-740
Fair to GoodAnnual Fee
$39
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Average, Fair, Limited
Annual Fee
$39
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Journey Student Rewards from Capital One
On Capital One's Secure Website.
Top Rewards Rates
- 1%
Cash Back on all purchases
- 0.25%
Cash Back bonus on the cash back you earn each month you pay on time
At A Glance
Credit Needed
580-740
Fair to GoodAnnual Fee
$0
Intro Bonus
$60 Statement Credit
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Average, Fair, Limited
Annual Fee
$0
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One® Walmart Rewards™ Mastercard®
The information for the Capital One® Walmart Rewards™ Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 5%
Cash back at Walmart.com
- 2%
Cash back in Walmart stores, at restaurants and on travel
- 1%
Cash back everywhere else Mastercard is accepted
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
APR
17.99%, 23.24% or 26.99%, based on your creditworthiness
The information for the Capital One® Walmart Rewards™ Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$0
APR
17.99%, 23.24% or 26.99%, based on your creditworthiness
Penalty APR
None
Balance Transfer Fee
3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Cash Advance Fee
Either $10 or 3% of the amount of each cash advance, whichever is greater.
- See all credit card details
BuyPower Card®
The information for the BuyPower Card® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 5%
Back on your first $5,000 in purchases every year
- 2%
Back on purchases after the first year
At A Glance
Credit Needed
740-850
ExcellentAnnual Fee
$0
APR
15.24% - 24.24% Variable APR
The information for the BuyPower Card® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent
Annual Fee
$0
APR
15.24% - 24.24% Variable APR
Penalty APR
None
Balance Transfer Fee
None
Cash Advance Fee
Either $10 or 3% of the amount of each Cash Advance, whichever is greater
- See all credit card details
BuyPower Business Card™
The information for the BuyPower Business Card™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 5%
Back on purchases of GM parts, accessories and service at authorized GM Dealers
- 3%
Back on purchases at gas stations, restaurants and office supply stores
- 1%
Back on all other purchases
At A Glance
Credit Needed
740-850
ExcellentAnnual Fee
$0
APR
16.99%
The information for the BuyPower Business Card™ has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent
Annual Fee
$0
APR
16.99%
Penalty APR
None
Cash Advance Fee
Either $10 or 3% of the amount of each cash advance, whichever is greater
- See all credit card details
Capital One Quicksilver Secured Cash Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 1.5X
Cash Back on every purchase, every day
At A Glance
Credit Needed
300-670
Bad to FairAnnual Fee
$0
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Limited, Bad
Annual Fee
$0
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One Spark Miles for Business
On Capital One's Secure Website.
Top Rewards Rates
- 2X
miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0 intro for first year; $95 after that
Intro Bonus
50,000 miles - equal to $500 in travel -
APR
20.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$0 intro for first year; $95 after that
APR
20.99% (Variable)
Penalty APR
29.40% (Variable)
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 8%
cash back on tickets at Vivid Seats through January 2023
- 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.
At A Glance
Credit Needed
580-740
Fair to GoodAnnual Fee
$0
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Average, Fair, Limited
Annual Fee
$0
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One Quicksilver Student Cash Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 1.5%
cash back on every purchase, every day
At A Glance
Credit Needed
580-740
Fair to GoodAnnual Fee
$0
APR
26.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Average, Fair, Limited
Annual Fee
$0
APR
26.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Capital One Spark Cash Plus
On Capital One's Secure Website.
Top Rewards Rates
- 2%
cash back on every purchase, everywhere-with no limits or category restrictions
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$150
Intro Bonus
$1,000 cash bonus
APR
N/A N/A
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent, Good
Annual Fee
$150
APR
N/A N/A
Foreign Transaction Fee
None
- See all credit card details
Capital One Venture X Rewards Credit Card
On Capital One's Secure Website.
Top Rewards Rates
- 10X
miles on hotels and rental cars booked through Capital One Travel
- 5X
miles on flights booked through Capital One Travel
- 2X
miles on all other purchases
At A Glance
Credit Needed
740-850
ExcellentAnnual Fee
$395
Intro Bonus
100,000 bonus miles
APR
16.99% - 23.99% (Variable)
On Capital One's Secure Website.
Rates & Fees
Issuer Name
Capital One
Credit Needed
Excellent
Annual Fee
$395
APR
16.99% - 23.99% (Variable)
Penalty APR
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
- See all credit card details
Best feature: Travel rewards
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card earns flat-rate travel rewards with a large sign-up bonus and flexible redemption. Plus, you’ll get access to elite travel benefits as a cardholder.
You’ll earn two miles per dollar on all purchases with the Capital One Venture Rewards Credit Card. You can earn 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.
This card has no foreign transaction fees, and the annual fee is $95. With the card’s Visa Signature benefits, you will get travel upgrades and savings, an auto rental collision damage waiver, shopping discounts, extended warranty coverage and more.
Best for people who:
- Want to earn flat-rate travel rewards
- Want flexible travel rewards redemption options
- Can meet the sign-up bonus spending requirements
- Can earn enough rewards to offset the annual fee
Best feature: No annual fee
Capital One Platinum Credit Card
People with average, fair or limited credit can apply for the Capital One Platinum Credit Card. This card features tools for managing credit responsibly, valuable benefits for cardholders and an annual fee of $0.
This card offers opportunities for establishing or rebuilding credit. With CreditWise from Capital One, you get unlimited access to your credit score and credit profile monitoring. CreditWise is available to everyone, even if you're not a Capital One customer. Eligible Capital One Platinum Credit Card holders will be automatically considered for a higher credit line in as little as six months.
The Capital One Platinum Credit Card has benefits including emergency card services, fraud coverage and Mastercard identity theft protection.
Best for people who:
- Need to establish or rebuild credit
- Want tools to manage credit responsibly
- Don’t want to pay an annual fee
- Can get value from cardholder benefits
Best feature: 1.5% flat-rate cash back on purchases
Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card is a good credit card for people who want to earn flat-rate cash back rewards. The card has unlimited cash back on every purchase, a cash bonus that’s easy to obtain, a $0 annual fee and a low introductory APR on purchases.
With this card, you can earn unlimited 1.5% cash back on every purchase. There are no bonus categories and no limit to how much you can earn. And after you spend $500 on purchases within 3 months from account opening, you will earn a one-time $200 cash bonus.
There is a $0 annual fee, and the card offers a 0% introductory APR on purchases for the first 15 months. After that, the APR is 14.99% to 24.99% (variable). Cardholders get benefits including no foreign transaction fees and extended warranty coverage.
Best for people who:
- Want to earn flat-rate cash back rewards
- Want to earn a sign-up bonus without spending thousands
- Don’t want to pay an annual fee
Best feature: Cash back rewards for students
Journey Student Rewards from Capital One
With the Journey Student Rewards from Capital One card, students can establish responsible credit card usage while earning cash back rewards. This card offers an incentive for paying on time, unlimited credit score access and fraud coverage, all with a $0 annual fee.
You can earn 1% cash back on every purchase. If you pay on time, you’ll boost your cash back to 1.25%.
Use this card to build good credit with unlimited access to credit monitoring tools and be automatically considered for a higher credit line in as little as six months. Plus, you’ll get access to emergency card services and fraud coverage.
Best for people who:
- Are establishing credit
- Want to earn cash back rewards
- Don’t want to pay an annual fee
Capital One Spark Miles for Business
Businesses with significant travel expenses can earn excellent travel rewards with the Capital One Spark Miles for Business credit card. This card earns good rewards, has a large sign-up bonus and offers travel benefits that are useful for businesses.
There is no minimum to redeem and no blackouts or seat restrictions. Cardholders can earn a sign-up bonus of 50,000 bonus miles after spending once you spend $4,500 on purchases within the first 3 months from account opening.
With this card, businesses get access to travel benefits including an auto rental collision damage waiver and travel and emergency assistance services. It also offers an extended warranty and purchase security and extended protection for all items purchased with the card.
Best for businesses that:
- Want to earn flexible travel rewards
- Can spend enough to earn the large sign-up bonus
- Can earn enough rewards to offset the annual fee
Capital One credit card rewards allow you to earn unlimited cash back or miles on every purchase. Cash back rewards or miles can be redeemed for:
- Cash back
- Gift cards
- Travel
- Merchandise
Rewards do not expire as long as your account is open and in good standing. If you close your account, you will lose unredeemed rewards.
How Do You Apply for a Capital One Credit Card?
To apply, you need to fill out an online application and provide the following information:
- Name
- Date of birth
- Social Security number
- Home address
- Email address
- Phone number
- Employment status
- Annual income
- Monthly rent or mortgage payment
- Bank account type(s)
What Are all of the Capital One Services Offered?
Capital One offers a full suite of personal and commercial credit and banking services. Services offered by the company include:
- Business and consumer credit cards
- Auto loans
- Business banking
- Car shopping tool
- Checking and savings accounts
What Are the Benefits of Having a Capital One Card?
Capital One offers a flexible rewards program for a wide variety of purchases. Besides the company's card offerings for every type of spender, Capital One gives consumers many incentives for using one of its cards. Those benefits include:
- 24-hour customer service
- Access to exclusive events
- Automated account assistant
- Automatic credit line reviews
- Card lock
- Emergency card replacement
- Flexible rewards
- Fraud liability protection
- Free credit monitoring
- Mobile app
- No foreign transaction fees
- Online shopping tool
- Personalized payment
- Proactive account alerts
- Security alerts
- Unlimited rewards with no expiration date
- Virtual card numbers
Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.
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