Popular credit cards with simple-to-redeem rewards are available from Capital One. Its cards usually come with low annual fees, no fees for overseas transactions, and minimum-reward rewards that can be redeemed. Capital One offers a simple credit card that can be used by almost any kind of customer, including those with limited credit, cash-back rewards, business travelers, and students.
Best Capital One Cards of November 2024
1. Capital One VentureOne Rewards Credit Card
- Best Feature: No annual fee
- Credit Needed: Good to Excellent
- Intro Bonus: 20,000 miles after spending $500 in the first 3 months
- Annual Fee: $0
- Regular APR: 20.99% – 30.99% Variable
2. Capital One Venture Rewards Credit Card
- Best Feature: Travel rewards
- Credit Needed: Excellent
- Intro Bonus: 75,000 miles after spending $4,000 in the first 3 months
- Annual Fee: $95
- Regular APR: 21.24% – 29.99% Variable
3. Credit Card SavorOne Cash Rewards from Capital One
- Best Feature: Cashback on dining with no annual fee
- Credit Needed: Good to Excellent
- Intro Bonus: $200 after three months of spending $500.
- Annual Fee: $0
- Regular APR: 19.99% – 29.99% Variable
4. Capital One Spark Miles for Business
- Best Feature: 5 miles per dollar when using Capital One Travel to book a hotel or rent a car
- Credit Needed: Excellent
- Intro Bonus: 50,000 miles after a $3,500 initial three-month expenditure.
- Annual Fee: $105 afterwards the initial $0 year.
- Regular APR: 26.99% Variable
5. The Quicksilver Cash Rewards Credit Card from Capital One
- Best Feature: 15-month 0% introductory rate on purchases.
- Credit Needed: Good to Excellent
- Intro Bonus: $200 subsequently $500 in the initial trimonthal period.
- Annual Fee: $0
- Regular APR: 19.99% – 29.99% Variable
6. The QuicksilverOne Cash Rewards Credit Card from Capital One
- Best Feature: Flat-rate cash-back rewards
- Credit Needed: Fair to Good
- Intro Bonus: None
- Annual Fee: $39
- Regular APR: 30.49% Variable
7. The Venture X Rewards Credit Card from Credit One
- Best Feature: 75,000-mile sign-up bonus
- Credit Needed: Excellent
- Intro Bonus: 75,000 miles after spending $4,000 in the first 3 months
- Annual Fee: $395
- Regular APR: 21.24% – 28.99% Variable
8. Capital One Platinum Credit Card
- Best Feature: No annual fee
- Credit Needed: Fair to Good
- Intro Bonus: None
- Annual Fee: $0
- Regular APR: 30.49% Variable
The Capital One Platinum Secured Credit Card is a practical option for those with poor credit looking to rebuild their credit with responsible use and the opportunity for credit limit increases over time.
9. Cash Rewards Credit Card Capital One SavorOne for Students
- Best Feature: Rewards for students
- Credit Needed: Limited to Fair
- Intro Bonus: $100 after spending $100 in the first 3 months
- Annual Fee: $0
- Regular APR: 19.99% – 29.99% Variable
10. REI Co-op Mastercard®
- Best Feature: Retail rewards with travel insurance
- Credit Needed: Good to Excellent
- Intro Bonus: $100 REI gift card after first purchase
- Annual Fee: $0
- Regular APR: 19.24% – 28.24% Variable
11. Using the Capital One Quicksilver Credit Card to earn student cash rewards
- Best Feature: Rewards for students
- Credit Needed: Limited to Fair
- Intro Bonus: $50 after first purchase
- Annual Fee: $0
- Regular APR: 19.99% – 29.99% Variable
12. Capital One Platinum Secured Credit Card
- Best Feature: In six months, possible access to a larger credit limit
- Credit Needed: Bad to Fair
- Intro Bonus: None
- Annual Fee: $0
- Regular APR: 30.49% Variable
13. Capital One® Walmart Rewards™ Mastercard®
- Best Feature: Cashback on Walmart purchases
- Credit Needed: Good to Excellent
- Intro Bonus: For the first twelve months, get 5% cash back at Walmart.
- Annual Fee: $0
- Regular APR: 17.99% – 29.49% Variable
14. Quicksilver Secured Cash Rewards Credit Card from Capital One
- Best Feature: Cash back with a secured credit line
- Credit Needed: Bad to Fair
- Intro Bonus: None
- Annual Fee: $0
- Regular APR: 30.49% Variable
15. Kohl’s Credit Card
- Best Feature: There are special offers and discounts available at Kohl’s stores.
- Credit Needed: Fair to Good
- Intro Bonus: 35% off first purchase
- Annual Fee: $0
- Regular APR: 30.99% Variable
Best feature: Travel rewards
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card makes flat-rate travel benefits, has a large register bonus, and offers open redemption. As a cardholder, you will also be eligible for elite travel benefits.
The Capital One Venture Rewards Credit Card allows you to earn 2 Miles for every dollar you spend daily. After spending $4,000 on purchases within the first three months of opening your account, you can earn 75,000 miles. In addition, you will receive a $250 Capital One Travel credit after you spend $1,000 on travel during your first cardholder year.
The annual fee for this card is $95, and there are no fees for overseas transactions.
Best For:
- Desire to receive fixed-rate travel benefits
- Desire adaptable ways to redeem travel rewards
- Can fulfill the spending requirements for the sign-up bonus
- Able to obtain sufficient rewards to cover yearly costs
Note Benefits may vary based on Visa® or Mastercard® product terms. Refer to the relevant Guide to Benefits for more details.
Top Card for Business Travel Rewards
Capital One Spark Miles for Business
Excellent travel benefits are offered by the Capital One Spark Miles for Business credit card for businesses that incur large travel expenses. This card has a sizable sign-up bonus, earns good rewards, and provides business-friendly travel benefits.
Redeeming does not have a minimum, and there are no seat or blackout restrictions. If cardholders spend $4,500 on purchases within the first three months of opening an account, they will receive a sign-up bonus of 50,000 bonus miles.
This card gives businesses access to travel benefits like MasterRental Insurance, travel, and emergency assistance services. For every item bought with the card, it also provides extended protection, purchase security, and warranty extensions.
Best for businesses that:
- Desire to receive rewards for flexible travel
- Can spend enough to qualify for the large welcome bonus
- Able to obtain sufficient rewards to cover yearly costs
Note Benefits may vary based on Visa® or Mastercard® product terms. Refer to the relevant Guide to Benefits for more details.
Best feature: 1.5% flat-rate cash back on purchases
Capital One Quicksilver Cash Rewards Credit Card
If you want to receive cash-back rewards at a predetermined rate, the Capital One Quicksilver Cash Rewards Credit Card is an excellent choice. The card offers a low introductory APR on purchases, a cash bonus that is easy to obtain, no annual fee, and no limit on cash back on every purchase.
You can always receive 1.5% cash back with this card on all purchases. There is no cap on the amount you can make or bonus categories. In addition, you will spend $500 on purchases within three months of opening your account, and you will get a $200 cash bonus.
The card has no annual fee and, for the first 15 months of purchase history, there is no interest charged at all. The APR is then 19.99% to 29.99% (variable) after that. Benefits for cardholders include extended warranty coverage and no foreign transaction fees.
Best for people who:
- Desire to receive rewards for flat-rate cash back
- Interested in receiving a welcome bonus without spending thousands of dollars
- Refusing to pay an annual charge
Best feature: No annual fee
Capital One Platinum Credit Card
Applicants for the Capital One Platinum Credit Card may have average, fair, or restricted credit. This card offers excellent benefits to cardholders, resources for responsible credit management, and no annual fees.
Opportunities to establish or repair credit are provided by this card. You can monitor your credit profile and score at any time with Capital One’s CreditWise service. Anyone can use CreditWise, regardless of whether they have an account with Capital One or not. In as little as six months, holders of qualifying Capital One Platinum Credit Cards will automatically be considered for a higher credit line.
Benefits of the Capital One Platinum Credit Card include protection against Mastercard identity theft, fraud coverage, and emergency card services.
Best For:
- Requirement to establish or restore credit
- Desire resources for responsible credit management
- Refusing to pay an annual charge
- Able to obtain benefits from cardholders
Note Benefits may vary based on Visa® or Mastercard® product terms. Refer to the relevant Guide to Benefits for more details.
Best feature: Kohl’s rewards
Kohl’s Credit Card
The Kohl’s Credit Card is a co-branded credit card with highest rewards and discounts offered by Capital One to loyal Kohl’s customers. Get 7.5% rewards on every purchase, and when a new cardholder uses the credit card within 14 days of approval, they will receive a 35% discount on a single in-store or online transaction.
Best For:
- If you shop at Kohl’s frequently, you want to get the most out of your rewards.
- Don’t intend to keep a balance.
How Capital One Credit Card Rewards Work
- Earnings: You can earn infinite cash back or miles on every purchase made with a Capital One credit card. Miles or cash-back rewards can be exchanged for.
- Saving Options: Travel, shopping, cash back, or gift cards are examples of savings options.
- Expiration: As long as your account is active and in good standing, rewards never expire. Your account will be closed and any unredeemed rewards will be lost.
Apply for a Capital One Credit Card
To apply, complete an online application and submit the necessary data:
- 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)
Capital One Services
A wide range of banking and credit services, both personal and business, are provided by Capital One. Services provided by the business consist of:
- Business and consumer credit cards
- Auto loans
- Business Banking
- Car shopping tool
- Checking and savings accounts
Benefits of Having a Capital One Card
A flexible rewards program is available from Capital One for a range of transactions. In addition to providing cards for all budgetary types, Capital One offers a variety of rewards to customers who use one of its cards. Among these advantages are:
- 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
Note Benefits may vary based on Visa® or Mastercard® product terms. Refer to the relevant Guide to Benefits for more details.
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