Best Capital One Credit Cards of 2023

Written by Chauncey Crail / January 24, 2023
Reviewed by Robin Saks Frankel

Capital One's credit cards offer an array of options including high-end travel rewards cards, student cards, cards for everyday spenders, and cards for those building or repairing credit. With no foreign transaction fees on any of its cards and a wide range of features and benefits that make it easy to find the right card for you, you'll likely find a fitting option among Capital One's best credit cards.

Be sure to compare these cards to those on our lists of the best credit cards to view them outside of the context of this issuer's regular terms and provisions; Though Capital One offers a wide range of cards, its cards may not always be the market's best offerings.

Notably, Capital One ranks highest in banking mobile app satisfaction among national banks as well as highest in online banking satisfaction among national banks, according to the 2022 JD Power App Satisfaction and U.S. Online Banking Satisfaction studies.

We analyzed a broad swath of Capital One credit cards to curate a list of the very best. Here are our selections.

Inside this article

  1. Best Capital One credit cards of 2023
  2. Best travel rewards card: Capital One Venture X Rewards
  3. Best mid-tier travel rewards card: Capital One Venture Rewards
  4. Best No-Annual-Fee Travel Rewards Card: Capital One VentureOne Rewards
  5. Best for foodies: Capital One Savor Rewards
  6. Best mid-tier cash-back card: Capital One SavorOne Rewards
  7. Best for Flat-Rate Cash Back: Capital One Quicksilver Rewards
  8. Best flat-rate cash back for fair credit: Capital One QuicksilverOne Rewards
  9. Best cash-back secured card: Capital One Quicksilver Secured Rewards
  10. Best Secured Card for Flexible Opening Deposit: Capital One Platinum Secured
  11. Best Student Card: Capital One SavorOne Rewards for Students
  12. Compare the best Capital One credit cards
  13. Should you get a Capital One credit card?
  14. How much could the typical household earn in rewards with a Capital One card? 
  15. Guide to Capital One credit cards
  16. Methodology
  17. Frequently Asked Questions

Best Capital One credit cards of 2023

Best travel rewards card: Capital One Venture X Rewards 

Best mid-tier travel rewards card: Capital One Venture Rewards 

Best no-annual-fee travel rewards card: Capital One VentureOne Rewards 

Best for foodies: Capital One Savor Rewards 

Best mid-tier cash-back card: Capital One SavorOne Rewards 

Best for flat-rate cash back: Capital One Quicksilver Rewards 

Best flat-rate cash back for fair credit: Capital One QuicksilverOne Rewards

Best cash-back secured card: Capital One Quicksilver Secured Rewards 

Best secured card with a flexible deposit: Capital One Platinum Secured 

Best student card: Capital One SavorOne Rewards for Students 

Best travel rewards card: Capital One Venture X Rewards

What you should know

The Capital One Venture X Rewards Credit Card offers premium benefits at a lower annual fee than competing premium cards. With over a dozen airline transfer partners and over $400 in annual recurring perks, it’s well worth the $395 annual fee.

Pros and cons

Pros:

  • High reward potential

  • Wide selection of statement credits

  • No foreign transaction fees

Cons:

  • No hotel or airline-specific benefits

  • Requires excellent credit

  • High annual fee

More details

  • Annual fee: $395 

  • Rewards: 10 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights booked through Capital One Travel and 2 miles per dollar on all other eligible purchases.

  • Welcome bonus: 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening.

  • APR: 19.99% - 26.99% variable APR.

  • Other perks and benefits: No foreign transaction fees, 10,000 mile card ownership anniversary bonus, $300 annual statement credit reimbursement for travel bookings made through Capital One Travel, $100 Global Entry or TSA PreCheck application reimbursement credit, airport lounge access benefits, cell phone protection benefit, transfer miles to travel and hotel partners, Hertz President’s Circle Status.

Best mid-tier travel rewards card: Capital One Venture Rewards

What you should know

The Capital One Venture Rewards credit card offers decent rewards for a decent annual price, plus the flexibility to redeem and transfer the reward points to partners, making it a good choice for frequent travelers. The Venture Rewards competes with other travel cards in this price range and, though it may not be loaded with premium perks, it can provide excellent value for the right cardholder.

Pros and cons

Pros:

  • Decent value for the annual fee

  • No foreign transaction fees

  • Worthwhile collection of perks and travel protections

Cons:

  • $95 annual fee

  • No low introductory APR period

More details

  • Annual fee: $95

  • Rewards: 5 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar when you book on Turo and 2 miles per dollar on all other purchases.

  • Welcome bonus: 75,000 bonus miles when you spend $4,000 on purchases within the first 3 months from account opening.

  • APR: 20.24% - 28.24% variable APR.

  • Other perks and benefits: No foreign transaction fees, two free lounge visits per year with Capital One or partner lounges, up to $100 credit towards Global Entry or TSA Precheck application fee, auto rental collision damage waiver, travel accident insurance, extended warranty benefit, transfer miles to eligible loyalty programs.

Best No-Annual-Fee Travel Rewards Card: Capital One VentureOne Rewards

What you should know

The Capital One VentureOne Rewards credit card offers an option for those looking to get the most out of a travel rewards card without the financial burden of an annual fee. 

Pros and cons

Pros:

  • No annual fees

  • Introductory APR period

  • Introductory balance transfer APR

Cons:

  • High standard APR

  • Limited cash-back reward categories

  • Relatively low reward potential for a no-annual-fee travel card

More details

  • Annual fee: $0 

  • Rewards: 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on all other purchases.

  • Welcome bonus: 20,000 bonus miles when you spend $500 on purchases within the first three months from account opening.

  • APR: 0% introductory APR on purchases and balance transfers for 15 months, then a variable rate of 17.99% - 27.99%.
    Balance transfer fee: 3% for the first 15 months from account opening, and then none for transferred balances at the purchase APR balance transfer fee.

  • Other perks and benefits: No foreign transaction fees, auto rental collision damage waiver, access to Capital One Shopping tool, travel accident insurance, extended warranty benefit, $0 fraud liability.

Best for foodies: Capital One Savor Rewards

What you should know

The Capital One Savor Rewards credit card offers a great option for food lovers, as you’re generously rewarded for spending on dining, groceries, and entertainment. The card’s rewards plus access to exclusive dining experiences, and flexible redemption options makes the Savor Rewards card a tasty option.

Pros and cons

Pros:

  • No foreign transaction fees

  • Plentiful cash-back reward categories

  • High reward potential

Cons:

  • $95 annual fee

  • No introductory APR period

  • No introductory balance transfer APR

More details

  • Annual fee: $95.

  • Rewards: 10% cash back on Uber and Uber Eats, 4% cash back on dining, entertainment, and streaming services, 3% cash back at grocery stores, and 1% cash back on all other purchases.

  • Welcome bonus: $300 cash bonus after you spend $3,000 within 3 months from account opening.

  • Regular APR: 20.24%, 25.24% or 28.24% variable.

  • Other perks and benefits: No foreign transaction fees, rewards don't expire, complimentary Uber One membership through 11/14/2024, no redemption minimums, extended warranty benefits, travel accident insurance.

Best mid-tier cash-back card: Capital One SavorOne Rewards

What you should know

The Capital One SavorOne Rewards card has no annual fee but earns solid rewards for anyone who likes to go out and fill their stomachs. It’s got some welcome extras too, but those who spend significantly in the bonus categories will fare better with the Capital One Savor Card, in spite of the $95 annual fee.

Pros and cons

Pros:

  • No annual fee

  • Introductory APR period

  • Introductory balance transfer APR

Cons:

  • Lower relative reward potential

  • 3% balance transfer fee on balances transferred at the introductory APR

More details

  • Annual fee: $0.

  • Rewards: 10% cash back on Uber and Uber Eats, 3% cash back on dining, entertainment, streaming services, and at grocery stores, and 1% cash back on all other purchases.

  • Welcome bonus: $200 cash bonus after you spend $500 within 3 months from account opening.

  • Intro APR: 0% introductory APR on purchases and balance transfers for 15 months, then a variable rate of 19.24% - 29.24%.

  • Other perks and benefits: No foreign transaction fees, rewards don't expire, complimentary Uber One membership through 11/14/2024, no reward redemption minimums, extended warranty benefit, travel accident insurance, access to Capital One Shopping, $0 fraud liability.

Best for Flat-Rate Cash Back: Capital One Quicksilver Rewards

What you should know

For those who don't want to worry about tracking varying rewards categories or spending caps, this is the best Capital One-issued option. There’s no annual fee and you’ll earn 1.5% cash back on all your spending. 

Pros and cons

Pros:

  • No annual fees

  • No foreign transaction fees

  • Low introductory APR period

Cons:

  • Better reward potential exists

  • 3% balance transfer fee on balances transferred at the introductory APR

More details

  • Annual fee: $0 annual fee.

  • Rewards: 1.5% cash back on all purchases.

  • Welcome bonus: $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. 

  • Intro APR: 0% intro APR for 15 months on purchases and balance transfers; 19.24% - 29.24% variable APR after that.

  • Regular APR: 19.24% - 29.24% variable. 

  • Balance transfer fee: 3% for the first 15 months, then none for transferred balances at the purchase APR balance transfer fee.

  • foreign transaction fees: None.

  • Other perks and benefits: Up to 6 months of complimentary Uber One membership, rewards don't expire, redeem rewards as a check or a statement credit or use rewards on purchases or gift cards, extended warranty benefit, travel accident insurance, redeem rewards with PayPal or use rewards for Amazon.com purchases, complimentary concierge service, $0 fraud liability.

Best flat-rate cash back for fair credit: Capital One QuicksilverOne Rewards

What you should know

The Capital One QuicksilverOne Rewards credit card offers the same 1.5% flat-rate cashback as the other Quicksilver Rewards cards and some of the other benefits, but requires a $39 annual fee. If you are likely to spend significantly more than $2,600 in a year on your card (the breakeven point where your rewards will equal your annual fee) but you don’t yet have the great credit required for top rewards cards, this may be a great choice for you.

Pros and cons

Pros:

  • No deposit required

  • No foreign transaction fees

  • Easy-to-redeem cash-back rewards

Cons:

  • $39 annual fee

  • No low introductory APR period

  • Low reward potential

More details

  • Annual fee: $39

  • Rewards: 1.5% cash back on all purchases.

  • Welcome bonus: None.

  • Regular APR: 24.49% variable. 

  • foreign transaction fees: None.

  • Other perks and benefits: Up to six months of complimentary Uber One membership, rewards don't expire, redeem rewards as a check or a statement credit, $0 fraud liability.

Best cash-back secured card: Capital One Quicksilver Secured Rewards

What you should know

The Capital One Quicksilver Secured Rewards credit card is one of just a handful of secured cards offering rewards. There’s no annual fee and the card earns 1.5% cash back on all spending. However, like all secured cards, a minimum deposit, starting at $200, is required to get the card. 

Pros and cons

Pros:

  • No annual fees

  • No foreign transaction fees

  • Easy-to-redeem cash-back rewards

Cons:

  • $200 minimum refundable deposit required

  • High standard APR

  • Few additional benefits

More details

  • Annual fee: $0

  • Rewards: 1.5% cash back on every purchase.

  • Welcome bonus: None.

  • Regular APR: 29.74% variable.

  • foreign transaction fees: None.

  • Other perks and benefits: Automatic credit line reviews, rewards don't expire, redeem for a check, a statement credit or use rewards on purchases or gift cards, $0 fraud liability, access to Capital One travel.

Best Secured Card for Flexible Opening Deposit: Capital One Platinum Secured

What you should know

Depending on your credit history, the Capital One Platinum Secured credit card will allow you to open a secured account with a credit line of $200 with a deposit of either a $49, $99 or $200 minimum refundable deposit. Additionally, the issuer will give you 35 days to make payments towards the opening deposit, which those short on cash will find helpful.

Pros and cons

Pros:

  • No annual fees

  • No foreign transaction fees

  • Accepts all credit levels

Cons:

  • Deposit required

  • No welcome bonus nor intro APR offer

  • No rewards

More details

  • Annual fee: $0

  • Rewards: None.

  • Welcome bonus: None.

  • APR: 24.49% variable. 

  • foreign transaction fees: None.

  • Other perks and benefits: Potential for low opening deposit, automatic credit line reviews, $0 fraud liability.

Best Student Card: Capital One SavorOne Rewards for Students

What you should know

The Capital One SavorOne Rewards for Students credit card is a great option for students looking to earn rewards with Capital One and, if they’re responsible cardholders, build credit at the same time.

Pros and cons

Pros:

  • No annual fee

  • No foreign transaction fees

  • Easy-to-redeem cash-back rewards

Cons:

  • No low introductory APR period

  • Few extra benefits

  • Limited cash-back reward categories

More details

  • Annual fee: $0

  • Rewards: 10% cash back on Uber and Uber Eats, 3% cash back on dining, entertainment, streaming services, and at grocery stores, and 1% cash back on all other purchases.

  • Welcome bonus: $50 cash bonus when you spend $100 on purchases within 3 months of account opening.

  • Regular APR: 17.99% to 27.99% variable. 

  • Foreign transaction fees: None.

  • Other perks and benefits: Rewards don't expire, complimentary Uber One membership through 11/14/2024, redeem for statement credit, check, purchases, or gift cards, extended warranty, travel accident insurance, access to Capital One Shopping, Travel, Dining and Entertainment, $0 fraud liability.

Compare the best Capital One credit cards

Card nameAnnual feeRewardsWelcome bonusIntro APRRegular APRBalance transfer feeForeign transaction fees
Capital One Venture X Rewards$39510 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights booked through Capital One Travel and 2 Miles per dollar on all other eligible purchases75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account openingNone19.99% - 26.99% variableNone for balances transferred at the transfer APR None
Capital One Venture Rewards$955 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per Travel, 5 miles per dollar when you book on Turo and 2 miles per dollar on all other purchases75,000 bonus miles when you spend $4,000 on purchases within the first 3 months from account openingNone18.99%, 23.99% or 26.99% variable3%, and none for balances transferred at the transfer APRNone
Capital One VentureOne Rewards$05 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on all other purchases 20,000 bonus miles when you spend $500 on purchases within the first three months from account opening0% introductory APR on purchases and balance transfers for 15 months, then a variable rate of 17.99% - 27.99%17.99%, 23.99% or 27.99% variable3% for the first 15 months from account opening, and then none for transferred balances at the purchase APR None
Capital One Savor Rewards$95 10% cash back on Uber and Uber Eats, 4% cash back on dining, entertainment and streaming services, 3% cash back at grocery stores and 1% cash back on all other purchases$300 cash bonus after you spend $3,000 within 3 months from account opening None18.99%, 23.99 or 26.99% variable3%, but none for balances transferred at transfer APRNone
Capital One Savor Rewards$010% cash back on Uber and Uber Eats, 3% cash back on dining, entertainment, streaming services and at grocery stores, and 1% cash back on all other purchases$200 cash bonus after you spend $500 within 3 months from account opening 0% introductory APR on purchases and balance transfers for 15 months, then a variable rate of 17.99% - 27.99% 17.99% to 27.99% variable3% for the first 15 months, but none for balances transferred at transfer APR after the first 15 months None
Capital One Quicksilver Rewards$01.5% cash back on all purchasesEarn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Plus earn up to $300 cash back by earning 5% back on gas and groceries for the first 6 months0% introductory APR on purchases and balance transfers in the first 15 months, then a variable rate of 17.99% - 27.99%17.99% to 27.99% variable3% for the first 15 months, then none for transferred balances at the purchase APRNone
Capital One QuicksilverOne Rewards$391.5% cash back on all purchasesNoneNone24.49% variable3%, but none for balances transferred at transfer APRNone
Capital One Platinum Mastercard®$0No rewardsNoneNone24.49% variable3%None
Capital One Quicksilver Secured Rewards$01.5% cash back on every purchaseNoneNone28.49% variable3%, but none for balances transferred at transfer APRNone
Capital One Platinum Secured$0No rewardsNoneNone24.49% variable3%None
Capital One SavorOne Rewards for Students$010% cash back on Uber and Uber Eats, 3% cash back on dining, entertainment, streaming services and at grocery stores, and 1% cash back on all other purchases$50 cash bonus when you spend $100 on purchases within 3 months of account openingNone17.99% to 27.99% variable3%, but none for balances transferred at transfer APRNone

Capital One Venture X Rewards

If "X marks the spot", the Capital One Venture X Rewards card marks the spot for value in a high-end travel rewards card. The card's balance of rewards and benefits against its hefty-but-not-as-bad-as-the-competition annual fee makes it a great option for those who seek excellent value.

Annual fee: $395 

Rewards: Earn 10 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights booked through Capital One Travel and 2 Miles per dollar on all other eligible purchases.

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: The Capital One Venture X offers great value with its lineup of travel credits, including a $300 annual statement credit reimbursement for travel bookings made through Capital One Travel, Capital One's online travel agency. Among its many other benefits, the card offers airport lounge access, a cell phone protection benefit, the ability to transfer miles to travel and hotel partners and more. Card ownership also comes with Hertz President's Circle status and through May 16, 2023, cardholders can earn 10 miles per dollar spent on rentals with Turo.

Capital One Venture Rewards

The Capital One Venture Rewards credit card offers decent rewards for a decent annual price, plus the flexibility to redeem and transfer the reward points to partners, making it a good choice for frequent travelers. The Venture Rewards competes with other travel cards in this price range and, though it may not be loaded with premium perks, it can provide excellent value for the right cardholder.

Annual fee: $95

Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel, 5 miles per dollar when you book on Turo, and 2 miles per dollar on all other purchases.

Welcome bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases within the first 3 months from account opening.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: The Capital One Venture Rewards program offers a decent array of benefits to make your travels more enjoyable and less stressful. With two free airport lounge visits per year at Capital One Lounges or lounges in its partner network, up to a $100 credit toward Global Entry or TSA Precheck, 24-hour travel assistance services, and auto rental collision damage waiver, your travel needs will be taken care of in the air and on the road. Rewards can be redeemed with PayPal or on Amazon.com, through Capital One Travel, and via a handful of other methods. Convenience benefits include virtual card numbers from Eno, $0 fraud liability, autopay, 24/7 customer service, and Capital One's mobile app for access anywhere.

Capital One VentureOne Rewards

The VentureOne Rewards card is aimed at less-frequent travelers who want a low-cost and simple option often but wants to accrue rewards to use for when they do want to get away. Someone seeking a travel card with more benefits and greater rewards potential will likely fare better, however, with the Venture Card.

Annual fee: $0

Rewards: Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 1.25 miles per dollar on all other purchases.

Welcome bonus: Earn 20,000 bonus miles when you spend $500 on purchases within the first three months from account opening.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks:The Capital One VentureOne Rewards card offers several benefits, including a price match guarantee through Capital One Travel, auto rental collision damage waiver,Rewards earned with the card do not expire. Cardholders can also enjoy extra-charge-may-apply access to the Capital One Lounge, travel accident insurance, and an extended warranty benefit, too.

Capital One Savor Rewards

The Capital One Savor Rewards Card is ideal for anyone who spends much of their disposable income on food and fun. The elevated rewards on dining, entertainment, and streaming services, as well as groceries make it a fit for both those who like to dine out and those who like to dine in.

Annual fee: $95

Rewards: Earn 10% cash back on Uber and Uber Eats, 4% cash back on dining, entertainment, and streaming services, 3% cash back at grocery stores, and 1% cash back on all other purchases.

Welcome bonus: Earn $300 cash bonus after you spend $3,000 within 3 months from account opening.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: The Capital One Savor Rewards card offers rewards that don't expire, complimentary Uber One membership through 11/14/2024, no redemption minimums, and extended warranty benefits. 

Capital One SavorOne Rewards

For those who can’t stomach an annual fee, but still want a big serving of rewards from their credit card, the Capital One SavorOne Rewards credit card earns only a slightly lower cash-back rate than the Savor Rewards card but with no annual fee and mostly the same benefits.

Annual fee: $0

Rewards: Earn 10% cash back on Uber and Uber Eats, 3% cash back on dining, entertainment, streaming services and at grocery stores, and 1% cash back on all other purchases.

Welcome bonus: Earn $200 cash bonus after you spend $500 within 3 months from account opening.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks:The Capital One SavorOne Rewards card offers rewards that don't expire, complimentary Uber One membership extended through 11/14/2024, no reward redemption minimums along with an extended warranty benefit and travel accident insurance. Access to Capital One Shopping is also provided, allowing cardholders to redeem rewards with PayPal or on Amazon.com purchases. Eno, Capital One's virtual assistant, offers virtual card numbers. Cardholders also receive $0 fraud liability and card lock features. Additionally, CreditWise is available along with Autopay and the ability to chat with Eno directly from the cardholder’s mobile app or online account hub which offers 24/7 customer service.

Capital One Quicksilver Rewards

Though the Capital One Quicksilver Rewards credit card may not earn as much as some of the top flat-rate cash-back cards on the market, it is Capital One's best option for flat-rate cash back. 

Annual fee: $0 annual fee.

Rewards: Earn 1.5% cash back on all purchases.

Welcome bonus: Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Plus earn up to $300 cashback by earning 5% back on gas and groceries for the first 6 months.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: The Capital One Quicksilver Rewards credit card offers 6 months of complimentary Uber One membership and rewards that do not expire. Other features included are an extended warranty benefit, travel accident insurance, and complimentary concierge service as well as instant purchase notifications. 

Capital One QuicksilverOne Rewards

The Quicksilver One is one of just a few cash-back cards on the market available to those with fair credit, making it a palatable choice over a card that requires a security deposit.

Annual fee: $39

Rewards: Earn 1.5% cash back on all purchases.

Welcome bonus: None.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: The Capital One QuicksilverOne Rewards card offers automatic consideration for a higher credit line in as little as 6 months, rewards points that don't expire, and the ability to redeem rewards as a check, statement credit or on gift cards. as automatic credit line reviews.

Capital One Platinum Mastercard®

The potential to deposit less than the initial line of credit and the ability to pay the opening deposit over a 35-day window are unique attributes that make the Capital One Platinum Mastercard shine among secured credit cards. Someone seeking to improve their credit profile but is light on cash will find this possibility appealing.

Annual fee: $0 

Rewards: None.

Welcome bonus: None.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: Cardholders can track their finances through account alerts, a monthly recurring transaction list, balance transfer, and autopay options, and they have the ability to add an authorized user, Plus, users get free access to CreditWise to monitor a credit score.

Capital One Quicksilver Secured Rewards

The Capital One Quicksilver Secured Rewards credit card offers a good option for those looking for a secured card with rewards. With no annual fee and a generous cash back program, you'll receive all the advantages of a secured credit card without sacrificing the ability to earn rewards, traditionally associated only with unsecured credit cards. However, you’re required to put down a minimum deposit to get the card. 

Annual fee: $0

Rewards: Earn 1.5% cash back on every purchase.

Welcome bonus: None.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks:The Capital One Quicksilver Secured Rewards card offers the peace of mind of a secured card and requires a refundable deposit. The card offers a range of benefits including automatic credit line reviews, rewards which don't expire, the ability to redeem rewards as a check or statement credit or on the purchase of gift cards, autopay, the ability to add authorized users and 24/7 customer service. For added security, this card also offers virtual card numbers from Eno and $0 fraud liability along with card lock and CreditWise features. The mobile app for Capital One allows for emergency card replacement as well as access to Capital One travel services.

Capital One Platinum Secured

The Capital One Platinum Secured Card comes with features that can help cardholders improve their credit scores. It requires a refundable security deposit to open the account, and provides an automatic review for a higher credit line after the first five monthly payments are made on time. 

Annual fee: $0

Rewards: None.

Welcome bonus: None.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks: Automatic payments can be set up with autopay, which helps ensure bills are paid on time each month. The card also allows you to add an authorized user, access 24/7 customer service in case of any questions or issues and use virtual card numbers through Eno for added security for online purchases. CreditWise from Capital One helps monitor your credit score over time.

Capital One SavorOne Rewards for Students

Students on the go will find that the Capital One SavorOne Rewards for Students rewards them for where they spend the most and can help them build credit too. Like all Capital One credit cards, there are no foreign transaction fees too, making it a great choice for bringing on a study abroad program or international vacation.

Annual fee: $0

Rewards: Earn 10% cash back on Uber and Uber Eats, 3% cash back on dining, entertainment, streaming services and at grocery stores, and 1% cash back on all other purchases.

Welcome bonus: Earn $50 cash bonus when you spend $100 on purchases within 3 months of account opening.

Foreign transaction fees: No foreign transaction fees.

Other benefits and drawbacks:The Capital One SavorOne Rewards for Students program provides a variety of benefits to cardholders. These include rewards that do not expire, complimentary Uber One membership through 11/14/2024, extended warranty and travel accident insurance and the ability to redeem rewards in any amount for gift cards, statement credit or check. 

Should you get a Capital One credit card?

Capital One credit cards can be a great option for customers looking to manage finances, build a credit score or take advantage of rewards programs. Whether you're a frequent traveler or an everyday spender or both, there's likely a Capital One card with benefits to meet or come close to meeting your needs. Will it be the best card though? It's up to you to match your financial situation to the right card, be it a Capital One card or an offer from a different issuer.

For those who travel frequently, Capital One travel cards often make great companions because of an issuer-wide lack of foreign transaction fees. Though more luxurious perks and purchase-or-travel-credit-laden travel cards may be available from other issuers, Capital One's travel options do well on our lists of the best travel credit cards and the best cards for dining for great value.

If you’re looking to build your credit score while earning rewards at the same time, Capital One offers a number of options for those with fair credit or little credit history—including options for students.

An all-around issuer, Capital One offers a diverse array of choices, with a handful of central themes in its offerings. Several cards offer versions for different credit ratings or for different annual fee offers. This means that while you'll largely be limited to selecting between dining-oriented, travel-focused, or flat-rate reward options among the premier cards, you'll be able to find something to fit your willingness to pay or not pay an annual fee and for your credit rating level.

How much could the typical household earn in rewards with a Capital One card? 

We evaluate the potential of rewards credit cards based on what we'd expect a household in the 50th percentile of wage earners to spend each year on a credit card. We gather these figures from the government and other publicly available data. In a year, we expect a household might make about $84,352 and spend about $25,084 of this on a credit card.

For example, if we evaluate the reward potential of the Capital One Quicksilver card, which earns an unlimited 1.5% cash back on all eligible purchases, we’d conclude that our typical household would earn about $376 in cash back annually.

Guide to Capital One credit cards

Capital One offers several different types of credit cards to fit the needs of individual consumers. For those with excellent credit, reward-card options might offer valuable Capital One points or simpler cash-back rewards on everyday purchases. Only a few of the issuer's cards fail to offer some form of rewards, but these are largely for building or rebuilding credit.

Capital One cards also offer a variety of extra benefits, but its benefits are largely convenience benefits, like 24/7 customer service, $0 fraud liability, and mobile and online banking. 

For those just starting out or rebuilding their credit, secured options with lower limits and deposit requirements are available alongside unsecured options with reduced reward and benefit opportunity. Student options do exist, but we advise comparing these options to the best student cards and the best first credit cards available from other issuers, too.

No matter which card you choose from Capital One, it is important to always pay your balance in full each month in order to avoid interest charges or late payment penalties.

Methodology

Sound Dollar’s credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Frequently Asked Questions

What are the benefits of a Capital One credit card?

Capital One credit cards offer a variety of benefits across most of its cards, including no foreign transaction fees and a variety of convenience features such as 24/7 customer service, Capital One's mobile app and access to Eno, Capital One’s virtual assistant. Fraud protections and $0 fraud liability remain fairly ubiquitous among consumer cards, as well.

What types of credit cards does Capital One offer?
What is the APR for a Capital One credit card?
What is the minimum credit score needed for a Capital One card?
What is the minimum credit limit for a Capital One card?
How do I apply for a Capital One credit card?

About the Authors

Chauncey Crail

Chauncey Crail

Chauncey grew up on a farm in rural northern California. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency.

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Robin Saks Frankel

Robin Saks Frankel

Robin Saks Frankel is a credit cards and personal finance writer and editor for Sound Dollar. Previously, she covered credit cards and related content at other national web publications including Forbes Advisor, NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide.

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