Best Capital One credit cards

The Best Capital One Credit Credit Cards of 2018

Capital One offers a wide selection of credit cards catering to many different needs. Whether you’re looking for a personal, business, or student card, there are options for all types of credit card users.

But how do you know which option is the best one for your particular needs? Well, you’ll have to sort through every card and carefully compare their features side-by-side. But we’ve narrowed it down for you to save you the hassle.

Here are the best Capital One credit cards of 2018.

Best Capital One credit card for travel rewards

Venture From Capital One Card 

While Capital One offers a couple of different cards that are good for earning travel rewards, this one will get you the most travel bang for your buck.

Perks and features
  • Earn 2 rewards miles for every dollar you spend
  • No limit to how much you can earn
  • Earn 50,000 bonus miles when you spend $3,000 within the first three months of opening the account
  • Can redeem your points without restriction, including no blackout dates
  • No foreign transaction fee
  • $95 annual fee (waived the first year)
  • Need excellent credit to be approved (700-850)

Credit card expert and journalist Jason Steele says this is his favorite Capital One card for consumers. “The only thing to watch out for is that your account must be in good standing to redeem rewards. So if you make a late payment, you won’t be able to use your miles or redeem cash back until you’ve returned your account to good standing,” he says.

Best Capital One credit card for dining rewards

Capital One Savor Card

This is the only Capital One card specifically designed for dining rewards, but it’s worth mentioning because the perks are pretty solid.

Perks and features
  • Earn unlimited 3% cash back on dining
  • 2% cash back on groceries
  • 1% cash back on all other purchases
  • $150 sign-up bonus if you spend $500 within the first three months of opening the account
  • No annual fee
  • Need excellent credit to get approved

Best Capital One credit card for average credit

QuicksilverOne 

If you have average credit and can’t get approved for a decent card, the QuicksilverOne from Capital One might be your answer. With cash-back rewards and a lenient credit score requirement, this is a great option for people who need to build their credit.

Perks and features
  • Earn 1.5% cash back on every purchase
  • Get $180 cash back every year if you spend $1,000 each month
  • Easier to get approved (640-700 credit score requirement)
  • $39 annual fee

Best Capital One credit card for bad credit

Secured Mastercard From Capital One

If you have bad credit, you’ll need a card that can help you mend your credit score and build a healthy credit history anew. The Secured Mastercard From Capital One is designed to do just that.

Secured credit cards are similar to debit cards in that you have to deposit funds into the account to make a purchase. The money you take out is the money you put in. The difference is that a secured credit card, such as this one, will help you build a healthy credit score, unlike a debit card.

Your creditworthiness and the size of your security deposit will determine your credit limit on this card.

Perks and features
  • Reports to all three credit bureaus– can help raise your credit score (assuming you use the card responsibly)
  • Can get approved with bad credit (300-640)
  • Platinum Mastercard– offers extended warranty and price protection on purchases
  • Minimum required security deposit of $49, $99, or $200 depending on creditworthiness
  • Security deposit will give you a $200 credit line– can be increased by depositing more money before your account opens
  • Access to a higher credit line after making your first five monthly on-time payments
  • No annual fee

Best Capital One credit card for students

Journey Student Rewards Card 

If you’re a student, you probably have average credit or no credit history at all. Either way, your options are limited when it comes to getting a credit card. And the credit card options you do have typically come with low credit limits and a measly rewards program.

Capital One offers a solution to that problem by making it easier for students to get their own credit card without the hassle. The Journey Student Rewards card allows students to begin building their credit and benefit from a generous rewards program at the same time.

Perks and features
  • Earn 1% cash back for every dollar you spend
  • Earn an extra .25% every month you make on-time payments
  • Can get approved for average credit (640-720)
  • No cap on the amount of cash back you can earn
  • Rewards won’t expire
  • No annual fee

Best Capital One business card for excellent credit

Spark Cash for Business

Perks and features
  • 2% cash back on all purchases
  • Earn a one-time cash bonus of $500 if you spend $4,500 within the first three months
  • No additional cost for employee cards– earn rewards on their purchases as well
  • High fees and penalty APR
  • $95 annual fee (waived the first year)
  • Must have excellent credit to be approved (700-850)

Best Capital One business card for average credit

Spark Classic for Business

This card is geared toward business owners with average credit. So if you don’t qualify for the Spark Cash card, try this one.

Perks and features
  • Earn 1% cash back on all purchases
  • No limit on how much you can earn
  • Reward will never expire
  • Lenient credit score requirement (600-750)
  • No annual fee

Do your research!

While these are the best Capital One credit cards, that doesn’t mean they’re the best credit cards period. The best credit card depends on the person who’s shopping for it.

So you need to do your research and compare every option available to make sure that you’re getting the best deal on the right card.

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