One of the most popular credit card issuers today is Capital One. The company not only has a wide range of offerings but is also more flexible when it comes to credit approvals. Capital One is a good option to consider for business and personal use, and most of their cards come with nice perks. Here are ten of the best credit cards from Capital One.
1. Capital One Venture Rewards
This Capital One credit card comes with great travel rewards, including a one-time 40,000-mile bonus if you spend $3,000 in the first three months you have the card. No blackout dates, miles that don’t expire, and the ability to earn unlimited points are other great features. The annual fee is $59 but is waived for the first year
APR: variable, 13.24% to 23.24%
Ideal for: Those who travel frequently, even internationally. You can choose the hotel or airline of your choice and travel at any time, plus there are no foreign transaction fees when you use the card.
2. Capital One Quicksilver Cash Rewards
Quicksilver is a flexible Capital One credit card that offers you 1.5% cashback on each purchase you make. You can also earn a one-time $100 cash bonus if you spend $500 on purchases within three months of signing up. There are no foreign transactions or annual fees for this card, and it offers a free Uber ride for every 10th ride you book.
APR: 0% on purchases and balance transfers for the first nine months, then a variable from 13.24% to 23.24%.
Best for Uber riders, those who use their credit cards sparingly, and anyone who wants to earn cash on their credit card. There is no limit to the cashback you can earn, and your rewards and earnings will not expire.
3. Capital One Journey Student Rewards
It’s a great Capital One credit card for students, and you just need fair credit for quality. You’ll receive a higher line of credit after you make your first five monthly payments on time. There are no monthly fees with this card and you can choose the expiration date on your monthly statement.
APR: variable, 20.24%
Best For College students learning to use credit responsibly. You’ll receive 1% cashback on all purchases, and that rate increases to 1.25% if you pay your bill on time during any particular month.
4. PlayStation Capital One Card
There aren’t many credit cards geared toward gamers, but this one is an exception. It’s especially beneficial if you prefer the PlayStation platform, as you’ll receive 10 points for every $1 spent on the PlayStation Store. You’ll earn three points at authorized Sony and PlayStation retailers, for paying your cell phone bill, purchases made at theaters, and spending money at fast-food restaurants. For all other purchases, you’ll earn a point, plus there’s no annual fee to use this card.
APR: 0% on all purchases made through July 2017, then a variable from 14.24% to 24.99%
Best for: PlayStation fans who regularly shop at PlayStation Store, shop for Sony products, go to the movies a lot, or eat out regularly. If you make a purchase anywhere within the first 90 days of having the card, you’ll receive 5,000 bonus points.
5. Capital One BuyPower Card
This is a versatile credit card from Capital One that will reward you with 5% earnings on the first $5,000 in purchases you make each year. After that, you will earn 2% profit on every purchase and the profits do not expire. The card has no annual fee, no rewards redemption limits, and you won’t incur foreign transaction fees on purchases.
APR: 0% on purchases for the first 12 months, then a variable, 13.15% to 23.15%
Ideal for: Those who want the benefits of World Elite MasterCard and prefer a card with no annual fee. The card also allows you to redeem the points you earn toward the purchase or lease of Cadillac, GMC, Buick, and Chevrolet automobiles.
6. Capital One VentureOne Rewards
This card is similar to the Venture Rewards Capital One Credit Card but is designed to help you save on travel purchases rather than just earn reward miles. It’s a bit more flexible in that regard and there’s also no annual fee with this product. You’ll receive the equivalent of $400 in travel rewards if you spend $3,000 on purchases in the first three months after signing up for the card.
APR: variable from 13.24% to 23.24%
Best For: Those who like to travel, want a variety of rewards options, and prefer cards without an annual fee.
7. Capital One Spark Cash for Businesses
Capital One has several credit cards just for business owners, including Spark Cash. It allows you to earn unlimited 2% cashback on all purchases, and you can get cards for your employees that are linked to the account. There are no category limits for earning points and the $59 annual fee is waived for the first year.
APR: variable 17.24%
Best for: Business owners who have employees and want to give them access to a line of credit, and those who often make purchases for business purposes.
8. Capital One Spark Miles for Businesses
The Spark Miles Capital One Credit Card is similar to Spark Cash, but you’ll earn miles in addition to your cashback. You can redeem your points for travel, cash back, gift cards at select stores, and there are other options too. With no blackout dates, seat restrictions or category limits, and expiration dates, this card is a good option for business travelers.
APR: variable 17.24%
Ideal for: Entrepreneurs who travel frequently for business.
9. Capital One Platinum Credit Card
In most cases, to get a Capital One credit card, you need good or excellent credit. However, the Platinum card only requires fair credit. If you make your first five monthly payments on time, you’ll receive a credit limit increase.
APR: variable 24.99%
Best For: Those looking to build or strengthen their credit profile, or anyone who doesn’t have good credit and isn’t a student. There is no annual fee for the card.
10. Capital One Secured Card
Unlike many secured credit cards, the Capital One option doesn’t include an annual fee. You’ll get a $200 line of credit to get started, and you’ll need to put down $49, $99, or $200 as collateral. Your limit can be increased if you make your first five monthly payments on time, and you won’t have to pay an additional deposit, and regular reports to the three main offices will help put you on the right track.
APR: variable 24.99%