Capital One Credit Cards: Best and Latest Offers [September 2020]

Capital One credit cards provide amazing benefits to businesses and consumers around the world. See which one could be right for your wallet.
Last updated Jul 10, 2020 | By Ben Walker

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Capital One is a powerful leader in both the banking and credit card industries. Its credit card products are widely varied and are used all over the world by millions of consumers.

If you’re a travel enthusiast, Capital One offers travel credit cards that can help you earn rewards and travel more often. And for general purchases, you can use its cashback credit cards to earn bonus rewards on everyday items. If you’re interested in applying for a new Capital One card, check out these incredible options.

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Latest Capital One personal card offers

Special Offer

Earn a $150 cash back bonus after spending $500 in the first 3 months

Why We Like It

If you want a rewards credit card and don’t want to worry about rotating spending categories, consider the Capital One Quicksilver Cash Rewards credit card. It’s a simple, easy-to-use card that offers a flat 1.5% cash back on every purchase you make, with no limit on how much you can earn.

The card also has a welcome bonus for new cardmembers, an unexpected perk for a card that has no annual fee.

You’ll pay 0% APR on purchases for 15 months, giving you over a year to pay down your balance or pay for a large purchase without worrying about interest fees.

Credit Needed: Excellent

Special Offer

Earn unlimited 1.5% cash back on every purchase, every day

Why We Like It

The Capital One QuicksilverOne Cash Rewards Credit Card offers cardholders the ability to easily build credit.

Cardholders are able to monitor their credit profile thanks to Capital One's CreditWise tool and will get automatic consideration for a higher credit line as quickly as 6 months after account opening.

Earn unlimited 1.5% cash back on every purchase, every day.

Credit Needed: Fair

Special Offer

Earn $300 cash bonus after spending $3,000 in the first 3 months

Why We Like It

For foodies who spend a significant amount of money on dining and entertainment, the Capital One Savor Cash Rewards card can be an excellent rewards card option. It has a valuable welcome offer for new cardmembers.

You’ll earn unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases. If you tend to spend lots of money at restaurants and bars, you can quickly rack up valuable rewards.

Gourmands will enjoy access to Premier Culinary Experiences, including five-star meals, intimate dinners, and chef-curated cuisine.

Credit Needed: Excellent

Special Offer

Earn a $150 one-time cash bonus after spending $500 in the first 3 months

Why We Like It

If you are looking for a rewards card and spend a lot of money on dining and entertainment, the Capital One SavorOne Cash Rewards Credit Card could be a smart addition to your wallet. It has no annual fee, and you’ll earn unlimited 3% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back on all other purchases.

Plus, there’s an easily-earned welcome offer for new cardmembers.

The card also offers 0% APR for 15 months on purchases, giving you over a year to finance major purchases without paying interest charges.

Credit Needed: Excellent

Special Offer

Earn 100,000 bonus miles after spending $20,000 in the first 12 months (or earn 50,000 bonus miles after spending $3,000 in the first 3 months)

Why We Like It

The Capital One Venture Rewards card is best for frequent travelers who aren’t loyal to one particular airline or hotel. It’s a travel rewards card with a generous welcome offer.

You’ll earn 2X miles per $1 spent on every purchase you make and you'll get up to $100 as a statement credit for Global Entry or TSA PreCheck application fees, helping you breeze through airport security.

Credit Needed: Excellent

Special Offer

Earn 20,000 bonus miles after spending $1,000 in the first 3 months

Why We Like It

If you don’t travel often but still want to earn rewards you can use toward future trips, check out the Capital One VentureOne Rewards credit card. It has no annual fee and a generous welcome offer for new cardmembers.

You’ll earn an unlimited 1.25X miles per $1 spent. There’s no need to worry about spending categories or spending caps; you’ll earn the same rewards rate on every purchase you make.

The card also offers an introductory 0% APR on new purchases for 12 months, giving you a full year to pay off major charges without paying interest fees.

Credit Needed: Excellent

Special Offer

Earn consideration for a higher credit limit as soon as 6 months after account opening

Why We Like It

The Capital One Platinum Credit Card offers value to those wanting to build their credit.

Cardholders will benefit from access to CreditWise to monitor their credit profile and fraud coverage.

This card has no annual fee, no foreign transaction fees, and you can be considered for a higher credit line as soon as 6 months after account opening.


Credit Needed: Fair

Special Offer

Receive consideration for higher credit limit as quickly as 6 months after account opening

Why We Like It

The Capital One Secured Mastercard is an excellent card for those who need to build a credit history.

Cardholders will start with a $200 credit limit after making a minimum security deposit of $49, $99, or $200 depending on creditworthiness.

Cardholders will receive consideration for higher credit limit as quickly as 6 months after account opening and they also get to pick their own due date.

Credit Needed: Poor - Bad

Capital One® Walmart Rewards™ Mastercard

Capital One® Walmart Rewards™ Mastercard

Special Offer

Earn 5% back on purchases in Walmart stores for the first 12 months when you use this card with Walmart Pay

Why We Like It

If you're a loyal Walmart shopper, this card is an excellent option. 

It has no annual fee and offers generous cash back rewards. Cardholders earn up to 5% cash back on purchases at Walmart.com, Walmart app, and Walmart grocery pickup and delivery; and 2% cash back at Walmart stores, Walmart and Murphy USA gas stations, and on restaurant and travel purchases.

Credit Needed: Good - Excellent

Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

Special Offer

Get automatic consideration for a higher credit line as quickly as 6 months after account opening

Why We Like It

The Capital One Journey Student Credit Card is useful for students who want to build credit and learn responsible credit card usage.  

Cardholders will be considered for an increase in their credit line as quickly as 6 months after account opening. You will also be able to monitor your credit report with CreditWise from Capital One.

Earn 1% cash back on all your purchases, and 1.25% cash back for each month you make your payment on time.

Credit Needed: Fair

Latest Capital One business card offers

Special Offer

Earn a $500 cash bonus after spending $4,500 in the first 3 months

Why We Like It

The Capital One Spark Cash for Business is a strong contender for business owners wanting to earn cash back to reinvest into their business. 

Cardholders can request free employee cards, receive annual spending summaries, and redeem cash back rewards at any time.

Earn 2% unlimited cash back on every purchase.


Credit Needed: Excellent

Special Offer

Earn a $200 cash bonus after spending $3,000 in the first 3 months

Why We Like It

The Capital One Spark Cash Select for Business card is a strong option for business owners to get cash back on purchases.

Cardholders will enjoy a 0% Introductory APR on purchases for the first 9 months, free employee cards, and no annual fee. 

Earn unlimited 1.5% cash back on all purchases for all cards on the account.

Credit Needed: Excellent

Special Offer

No annual fee and unlimited cash back

Why We Like It

The Capital One Spark Classic for Business offers small businesses a simple way to begin building business credit — even with limited or fair credit — with no annual fee.

Cardholders gain access to business benefits such as Year-End Summaries and free employee cards, and there's no foreign transaction fee for using the card to make purchases abroad.

Earn unlimited 1% cash back on every purchase for your business with no minimum requirement to redeem rewards. 

Credit Needed: Fair

Special Offer

Earn 50,000 miles after spending $4,500 in the first 3 months

Why We Like It

The Capital One Spark Miles for Business offers business owners a straightforward, simple rewards program with flexible options for redeeming rewards. 

Cardholders can request free employee cards, generate expense summaries, and benefit from no foreign transaction fees.

Earn 2X miles on every purchase, every day, and no blackouts, seat restrictions, or minimum to redeem rewards.



Credit Needed: Good - Excellent

Special Offer

Earn 20,000 miles after spending $3,000 in the first 3 months

Why We Like It

The Capital One Spark Miles Select for Business credit card is an excellent option for business owners who travel for work or leisure.

Cardholders will enjoy no foreign transaction fees, no blakcout dates for redeemed miles, and earning rewards on purchases made with free employee cards.

Earn unlimited 1.5X miles for every purchase made on all cards associated with the account.

Credit Needed: Good - Excellent

What is Capital One?

Capital One is an FDIC-insured bank that’s known for its high-quality credit cards, checking and savings accounts, auto loans, and other financial services. The company was originally founded as a spinoff credit card business of Signet Banking Corporation in 1994. That same year, Signet named their new company Capital One Financial Corporation, and hired Richard Fairbank as CEO.

As a relatively new company in the banking industry, some may have bet against Capital One to make a name for itself in such a competitive market. Other companies, such as Chase and Citibank, can trace their origins back for hundreds of years, but Capital One didn’t have that luxury. Still, it has persevered and is now regarded as one of the premier financial institutions in the world.

In 2019, Capital One had about 52,000 employees and total net revenue of about $28 billion. You can access Capital One services from an internet web browser or straight from the mobile phone app, and the company has hundreds of branch locations and thousands of ATM locations across the country.

What are the different types of Capital One credit cards?

You can choose from more than a dozen different Capital One credit card offerings, including personal cards and business credit cards. There are options for cash back, travel rewards, balance transfers, and more. Needless to say, there’s something for everyone.

Capital One personal credit cards:

No matter what type of consumer you are, Capital One has a card for you. See which type of Capital One credit card would be the best fit.

Capital One cashback cards

Cashback cards are excellent choices for earning simple rewards on everyday purchases. When you grocery shop or fill up your car with gas and pay with a cashback card, you can earn cash back.

With Capital One, cash back redemption options will vary depending on which credit card you use. Typically, you can redeem your cash back for a mailed check or statement credit, a gift card, or to shop on Amazon.com.

Earn cash back with Capital One using these cards:

Capital One travel cards

If you want to travel more while spending less money, a travel credit card could be a beneficial move for you. Capital One travel cards offer opportunities for earning valuable travel rewards to help offset the cost of your trips. And if you earn enough rewards, you can even redeem them for free flights and free hotel stays.

Even better, you can take advantage of built-in travel benefits and perks to get even more value from these cards. Capital One travel cards earn Venture miles, which can be transferred to one of more than a dozen Capital One transfer partners. Partners include airlines like JetBlue and Emirates, plus the Accor hotel brand. This gives you great flexibility when you’re booking travel.

In addition, benefits like travel insurance and TSA PreCheck or Global Entry fee reimbursement can make your next trip a breeze.

Capital One offers these travel cards:

No annual fee Capital One cards

Capital One no annual fee credit cards are ideal if you want clear-cut benefits without the extra annual cost. You won’t get as many benefits as you would with a premium credit card, but you can still find worthwhile perks.

For example, having a card with no foreign transaction fees could help you save money on purchases while you’re traveling abroad. Or you could really start building up your rewards with a card that offers unlimited cash back. With no annual fee to worry about, every added benefit and perk is a bonus.

Capital One offers these no annual fee cards:

Capital One 0% intro APR cards

Capital One offers three 0% APR credit cards. With these cards, you can avoid accruing interest on purchases or balance transfers for a set time period. These cards can help you better manage your debt if you use them correctly.

The 0% APR introductory period on credit cards often lasts 12 months or more. This can give you the time you need to pay off debt without worrying about costly interest charges. Just make sure you pay it off before the introductory period ends.

Capital One offers these 0% intro APR cards:

Co-branded Capital One cards

Capital One also issues co-branded cards in partnership with other companies. These cards normally offer rewards on purchases from the company Capital One has partnered with. Reward redemptions with these cards are typically different than what you’d receive with other Capital One cards.

For instance, you earn CLUB points with the Cabela’s CLUB Card and Bass Pro Shops CLUB Card, instead of Venture miles or cash back. CLUB points can be redeemed at Cabela’s and Bass Pro Shops in the U.S. or online through the applicable websites. Signing up for a Capital One co-branded card can help you earn unique rewards at popular stores.

Capital One offers these co-branded cards:

Capital One business credit cards

If you own a business, the right small business credit card can help you better manage your finances. With a business card, you can separate your personal and business expenses while also earning lucrative rewards along the way. Many business credit cards also come with unique benefits that add to their value.

For instance, a business card offering travel rewards may provide reimbursement for TSA PreCheck or Global Entry fees or generous welcome bonuses. Make enough business purchases, and you could be traveling the world for free in no time. In many cases, you can also get free employee cards, which help you earn more rewards as you track employee spending.

Capital One offers these business credit cards:

How does Capital One compare to other credit card companies?

As a new competitor seeking market ownership, Capital One has fought for its share of the credit card space over the past few decades. It’s no longer a fledgling company, but it’s not yet as big as larger competitors like Chase, Citibank, and American Express. Let’s see how Capital One stacks up against the competition.

Capital One vs. Chase

Both Chase and Capital One are banks, which makes them different from the average credit card issuer. In addition to Chase credit cards, Chase Bank also offers other financial services, such as checking accounts, savings accounts, and loans. You can find these same services from Capital One as well.

Because neither Chase nor Capital One is a payments network, they use Visa and Mastercard to process their payments. This means the cards they issue are generally accepted all over the world. Overall, Chase is a much bigger company, with more than 250,000 employees and about $115 billion total net revenue in 2019. That’s compared to Capital One’s $28 billion in total net revenue and about 52,000 employees for the same year.

Capital One vs. Citi

As credit card issuers, both Capital One and Citi offer a variety of credit card options. Citi credit cards and Capital One credit cards range from travel cards to cashback cards and everything in between. However, they both provide other financial services as well, such as loans and bank accounts. Their cards use the Visa and Mastercard networks, so they’re accepted on a global scale.

For company size, Citi is substantially larger than Capital One. Citi had 200,000 employees in 2019, compared to nearly 52,000 from Capital One. For the same year, Citi’s total net revenue was $74 billion and Capital One’s was about $28 billion.

Capital One vs. American Express

Capital One and American Express both function as credit card companies offering additional services. American Express credit cards are known for their premium benefits and partnerships with global companies. Capital One credit cards are similar, though there’s plenty of room left to grow.

Additional services from American Express and Capital One include savings accounts, but Capital One also offers loans. In addition, although both issue credit cards, American Express is also a payments network. The American Express network isn’t as widely accepted around the world as Visa or Mastercard, so Capital One cards (on the Visa and Mastercard networks) will work in more countries.

Based on the number of employees, American Express is sized very similarly to Capital One. In 2019, American Express had 64,500 employees whereas Capital One had about 52,000. American Express had $43.6 billion total net revenue in 2019, and Capital One’s was about $28 billion.

Which Capital One credit card should you choose?

To choose the right Capital One credit card, outline what your needs are, and find the card that would best meet those needs. There are plenty of options for credit cards, but each one of them may function differently than another. Look into the different types of cards and see which one could align well with your financial goals.

If you want a straightforward cashback card with a $0 annual fee, the Capital One Quicksilver Cash Rewards Card could be the perfect fit. It earns a flat, unlimited rate of 1.5% cash back rewards on every purchase, every day, so it doesn’t matter what kind of purchases you’re making. Groceries, gas, online shopping — everything earns 1.5% cash back! There’s nothing extra to think about, just sit back and watch the rewards pile up.

If you’re a frequent traveler, a card like the Capital One Venture Rewards Credit Card could make more sense. This card was designed with travel in mind and comes packed with related benefits. You can earn unlimited 2X miles on every purchase, every day, and then transfer your Venture miles to more than a dozen popular airline and hotel loyalty programs. And with travel insurance, including rental car insurance, you have extra coverage while you’re traveling.

Credit cards with 0% APR introductory periods can help you pay off loads of debt. With these cards, you can avoid accruing more interest on purchases and/or balance transfers, which gives you some financial breathing room. If you’re drowning in debt, you might consider signing up for a 0% intro APR credit card like the Capital One SavorOne Cash Rewards Credit Card.

With this card, you get 0% intro APR on purchases for 15 months. You can also earn 3% unlimited cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart and Target), and 1% cash back on all other purchases.

Capital One issues cards for all situations because everyone’s needs are different. While you might want to earn travel rewards from credit cards, someone else may rather earn cash back on everyday purchases. Regardless of what you’re looking for, Capital One has a card that’s right for you. Check out its considerable list of credit cards to find your best option.

FAQs about Capital One credit cards

What is the best Capital One credit card?

The best Capital One credit card is the one that fits your spending habits and financial needs. Because everyone’s situation is different, the best card for someone else might not be the best card for you. Cashback credit cards are great for earning rewards on everyday purchases, but travel credit cards are the best options if you want travel rewards and benefits.

Is it easy to get a Capital One credit card?

You’ll likely require an excellent credit score to qualify for many of Capital One’s rewards cards. An excellent FICO score is 800 or above. If you need to build your credit, you might consider applying for the Capital One Secured Mastercard. This card may require little or no credit history for approval. Above all, Capital One has the final say on who it approves for its credit cards, no matter whether your credit aligns with the suggested credit score.

Which Capital One credit cards have no annual fee?

These Capital One credit cards have no annual fee:

  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One VentureOne Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Capital One Platinum Credit Card
  • Capital One Secured Mastercard
  • Journey Student Rewards from Capital One
  • Capital One Walmart Rewards™ Mastercard
  • Cabela’s CLUB Card
  • Bass Pro Shops CLUB Card

Which Capital One credit cards earn rewards?

These Capital One credit cards earn rewards in the form of cash back, points, or miles:

  • Capital One Quicksilver Cash Rewards Credit Card
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Capital One Savor Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Journey Student Rewards from Capital One
  • Capital One Venture Rewards Credit Card
  • Capital One VentureOne Rewards Credit Card
  • Capital One Walmart Rewards Mastercard
  • Cabela’s CLUB Card
  • Bass Pro Shops CLUB Card

Which Capital One card has the highest credit limit?

Capital One has no published maximum credit limits for any of its credit cards. However, you can request a credit line increase if you need a higher credit limit. Capital One uses certain criteria to determine your eligibility for a credit line increase:

  • Your payments are on time
  • You make large payments to pay down your balance
  • You know which factors affect your credit score

When you make a credit line increase request to Capital One, you will need to provide:

  • Total annual income
  • Employment status
  • Monthly mortgage or rent payment numbers

How can I log in to my Capital One credit card?

To check the status of your Capital One credit card, you can log into your online account from the Capital One website through any internet browser. Or you can download the Capital One mobile app and log into your account from any compatible device. If you haven’t yet created a Capital One online account, use the website or mobile app to set up online access.

Which Capital One credit card is the easiest to get?

If you have limited or no credit history, consider applying for the Capital One Secured Mastercard. This card is ideal for building or rebuilding your credit and should be easier to qualify for than other Capital One credit cards.

What credit score do you need for a Capital One credit card?

You’ll likely need an excellent credit score to qualify for the majority of high-end Capital One credit cards. An excellent FICO score is 800 or above. If you have little or no credit history, you might consider applying for the Capital One Secured Mastercard. No matter what credit score you have, Capital One has the final say on who it approves for its credit cards.

Bottom line on the best Capital One credit card for your wallet

Capital One has an extensive list of credit card options for you to choose from. If you’re interested in applying for a new Capital One card, look at the different types of cards available so you can make an informed decision.

Each Capital One credit card has its own unique benefits, so it’s essential to find one that you would get the most value from. Use this guide to help narrow down your choices so you can find the correct pick for your wallet.