Personal Finance Credit Cards
Written by Holly Johnson; edited by Katherine Fan; reviewed by Angela Fung
Updated
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One Venture Rewards Credit Card
- Capital One Venture X Rewards Credit Card
- Capital One Savor Cash Rewards Credit Card†
- Capital One Quicksilver Secured Cash Rewards Credit Card
- Capital One Platinum Secured Credit Card
- Capital One Quicksilver Student Cash Rewards Credit Card
- Capital One SavorOne Student Cash Rewards Credit Card
- FAQs
- Why You Should Trust Us
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The information for the following product(s) has been collected independently by Business Insider: Capital One Savor Cash Rewards Credit Card†. The details for these products have not been reviewed or provided by the issuer.
Introduction to Capital One Credit Cards
Capital One issues several of the best credit cards on the market, from options that can help you build your credit to a premium card that earns valuable travel rewards.
The Capital One VentureRewards Credit Card is especially popular thanks to its robust marketing budget and television commercials. But it's not necessarily the right Capital One card for you. Instead, your best option is the one that fits your spending style and your goals.
This is our guide to the best Capital One credit cards available right now.
Compare the Top Capital One Credit Cards
Best for dining and entertainment with no annual fee
Capital One SavorOne Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.15/5
Perks
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Earn 8% cash back on Capital One Entertainment purchases. Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
$200 cash back after you spend $500 on purchases within three months from account opening
Earn $200 cash back
Recommended Credit
Good to Excellent
Pros
- No annual fee
- Bonus cash back on dining, entertainment, and grocery store purchases
- Long intro APR period for purchases and balance transfers
Cons
- Other cards earn more cash back in certain bonus categories
- Not the highest sign-up bonus among cash-back cards
Insider’s Take
The Capital One SavorOne Cash Rewards Credit Card offers a good welcome bonus and excellent return rates that can earn you cash back on common expenses like dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment — plus there's no annual fee to worry about.
SavorOne Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Best for flat-rate cash back
Capital One Quicksilver Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.1/5
Perks
Earn unlimited 1.5% cash back on purchases.
Annual Fee
$0
Intro APR
0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time)
Regular APR
19.99% - 29.99% Variable
Intro Offer
one-time $200 cash bonus once you spend $500 on purchases within three months of account opening
Earn a one-time $200 cash bonus
Recommended Credit
Good to Excellent
Pros
- Earns 1.5% cash back on every purchase
- Intro APR on purchases and balance transfers
- No annual fee and no foreign transaction fees
Cons
- Other cards earn more cash back
Insider’s Take
If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Some cards offer a higher rate of cash back, but there are tradeoffs, such as foregoing a welcome bonus offer or keeping track of bonus categories that earn more rewards.
Quicksilver Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Best for travel rewards
Capital One VentureRewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.55/5
Perks
Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.
Annual Fee
$95
Intro APR
N/A
Regular APR
19.99% - 29.99% variable
Intro Offer
75,000 miles after spending $4,000 on purchases within three months from account opening
Earn 75,000 miles
Recommended Credit
Good to Excellent
Pros
- No bonus categories to keep track of
- Includes up to a $100 statement credit for Global Entry or TSA PreCheck
Cons
- Other credit cards offer higher rewards in certain categories of spending
Insider’s Take
If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.
Capital One VentureRewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Best intro bonus and upscale travel perks
Capital One Venture X Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.85/5
Perks
Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.
Annual Fee
$395
Intro APR
N/A
Regular APR
19.99% - 29.99% variable
Intro Offer
75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening
Earn 75,000 bonus miles
Recommended Credit
Excellent
Pros
- Excellent welcome bonus and miles earning
- Premium perks including airport lounge access and credits for certain purchases
- Visa Infinite benefits including travel and shopping protections
Cons
- High annual fee
- Annual travel credits only apply to Capital One Travel purchases
Insider’s Take
The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.
Capital One Venture X Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Best for dining and entertainment
Capital One Savor Cash Rewards Credit Card†
Insider’s Rating
4.1/5
Perks Earn unlimited 4% cash back on dining, entertainment, and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
Earn 1-4% cash back on purchases.
Annual Fee
$95
Intro APR
N/A
Regular APR
20.24% - 28.24% Variable
Intro Offer
$300 cash bonus once you spend $3,000 on purchases within the first three months from account opening
Earn a $300 cash bonus
Recommended Credit
Excellent
Pros
- High cash-back rate for dining and entertainment
- No foreign transaction fees
Cons
- Many other cash-back cards don't charge an annual fee (but at least this one's waived for the first year)
Insider’s Take
The Capital One Savor Cash Rewards Credit Card is worth considering because of its high earning on dining, entertainment, streaming, and grocery stores — and because it earns cash back, you can redeem your rewards for whatever you'd like.
Capital One Savor Cash Rewards Credit Card† review External link Arrow An arrow icon, indicating this redirects the user."
Best for earning cash back while building credit
Capital One Quicksilver Secured Cash Rewards Credit Card
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
3.88/5
Perks
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. Earn 1.5% cash back on every purchase with a refundable $200 minimum deposit.
Annual Fee
$0
Intro APR
N/A
Regular APR
29.99% Variable
Intro Offer
N/A
Recommended Credit
Limited, No History
Pros
- Earns 1.5% cash back on all purchases with no limits
- You can get approved for this card with limited credit
- Ability to increase credit line and potential to improve credit score with responsible use
Cons
- No welcome bonus
- Because it’s a secured credit card, you’ll have to put down a security deposit for your initial credit line
- High APR if you carry a balance
Insider’s Take
The Capital One Quicksilver Secured Cash Rewards Credit Card is a great choice if you're new to credit cards and working on building your credit history and score. It's a rare secured credit card that offers decent rewards, but you'll have to put down a deposit after you're approved to secure your credit line.
Quicksilver Secured Cash Rewards Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Best for building credit with a lower security deposit
Capital One Platinum Secured Credit Card
On Capital One's website
Insider’s Rating
2.83/5
Perks
No annual or hidden fees. Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed.
Annual Fee
$0
Intro APR
N/A
Regular APR
29.99% Variable
Intro Offer
N/A
Recommended Credit
Limited, Bad
Pros
- Minimum deposit ($49) is lower than with some other secured cards
- You can be automatically considered for a higher credit line in as little as 6 months with no additional deposit
Cons
- No rewards
Insider’s Take
The Capital One Platinum Secured Credit Card is a good choice for folks who are new to credit or rebuilding their credit score. Because it's a secured credit card, you'll have to put down a security deposit — but its minimum deposit is lower than that of many similar cards.
Platinum Secured Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Best student card with flat-rate cash back
Capital One Quicksilver Student Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
4.05/5
Perks
Earn unlimited 1.5% cash back on all purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
19.99% - 29.99% Variable
Intro Offer
$50 cash bonus once you spend $100 on purchases within three months of account opening
Earn a $50 cash bonus
Recommended Credit
Average, Fair, Limited
Pros
- Good welcome bonus with an easy spending requirement
- Solid cash back earning on all purchases with no bonus categories to track
- No annual fee or foreign transaction fees
Cons
- Only available to college students
Insider’s Take
The Capital One Quicksilver Student Cash Rewards Credit Card is a good choice for students who prefer a cash-back credit card but don't want to keep track of multiple bonus categories.
Capital One Quicksilver Student Cash Rewards Credit Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Best student card for dining and entertainment
Capital One SavorOne Student Cash Rewards Credit Card
On Capital One's website
Insider’s Rating
Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.
4.05/5
Perks
Earn 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). Earn 8% cash back on Capital One Entertainment purchases. Earn 1% cash back on all other purchases.
Annual Fee
$0
Intro APR
N/A
Regular APR
19.99% - 29.99% Variable
Intro Offer
$50 cash bonus once you spend $100 on purchases within three months of account opening
Earn a $50 cash bonus
Recommended Credit
Average, Fair, Limited
Pros
- Good welcome bonus with an easy spending requirement
- Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
- No annual fee or foreign transaction fees
Cons
- Only available to college students
Insider’s Take
The Capital One SavorOne Student Cash Rewards Credit Card is a great pick for students who spend a lot on food and going out, because it earns 3% cash back on dining, groceries (excluding superstores like Walmart and Target), streaming, and entertainment.
SavorOne Student Cash Rewards Card review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Best Capital One Credit Cards of June 2024
- Capital One SavorOne Cash Rewards Credit Card: Best for dining and entertainment with no annual fee (rates and fees)
- Capital One Quicksilver Cash Rewards Credit Card: Best for flat-rate cash back
- Capital One VentureRewards Credit Card: Best for travel rewards
- Capital One Venture X Rewards Credit Card: Best intro bonus and upscale travel perks
- Capital One Savor Cash Rewards Credit Card† : Best for dining and entertainment
- Capital One Quicksilver Secured Cash Rewards Credit Card: Best for earning cash back while building credit
- Capital One Platinum Secured Credit Card: Best for building credit with a lower security deposit
- Capital One Quicksilver Student Cash Rewards Credit Card: Best student card with flat-rate cash back
- Capital One SavorOne Student Cash Rewards Credit Card: Best student card for dining and entertainment
Capital One Credit Card Reviews
Capital One has greatly increased the value of its credit card rewards in recent years. The issuer has a whopping 18 airline and hotel transfer partners and rewards consumers with some of the most generous reward rates for dining and entertainment.
The top travel credit cards allow cardholders to pool Capital One miles with friends and family and reduce travel expenses with their rewards, which are credited toward outstanding credit card balances. Capital One has also opened multiple airport lounges in recent years, and plans to add more.
The cards below represent the best of what Capital One has to offer in 2024, as chosen by Business Insider credit card experts.
Best for Dining and Entertainment With No Annual Fee: Capital One SavorOne Rewards
The Capital One SavorOne Cash Rewards Credit Card lets you rack up exceptional rewards on dining, entertainment, streaming, and grocery purchases. This card also comes without an annual fee, which is a net positive if you want to keep your costs down.
If you have a large purchase you want to pay off over time, you'll be happy to know this card extends a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.99% - 29.99% Variable (rates and fees). This card also comes with no foreign transaction fees.
Read our Capital One SavorOne card review to learn more.
Best for Flat-Rate Cash Back: Capital One Quicksilver
The Capital One Quicksilver Cash Rewards Credit Card is for you if you want to earn cash back without paying an annual fee. Its welcome bonus is also relatively generous and easy to earn.
On the redemption side of the equation, you can redeem your rewards for cash back at any time and in any amount. You can also cash in your points for gift cards. The Capital One Quicksilver Cash Rewards Credit Card also comes with a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR (rates and fees).
Read our Capital One Quicksilver Cash Rewards credit card review to learn more.
Best for Travel Rewards: Capital One Venture Card
The Capital One VentureRewards Credit Card earns rewards you can redeem for any type of travel at a rate of 1 cent per mile. You can also transfer miles to Capital One's airline and hotel partners, including Accor, Air Canada Aeroplan, Emirates, British Airways, Virgin Red, and Wyndham.
The transfer ratio for most partners is now 1:1, except for EVA Infinity MileageLands (2:1.5 ratio) and Accor Live Limitless (2:1 ratio).
Capital One miles are one of many credit card transferable points currencies — along with Amex Membership Rewards, Chase Ultimate Rewards®, and Citi ThankYou Rewards. Capital One miles are valued at 1.7 cents apiece, on average, according to Business Insider valuations.
This card has no foreign transaction fees (rates and fees), and offers a credit toward the Global Entry or TSA PreCheck membership fee. If you travel frequently, be sure to read our comparison of the Capital One Venture and Venture X — the Capital One Venture X Rewards Credit Card could actually be a better fit despite its higher annual fee.
Read our Capital One Venture Card review for more info.
Best Intro Bonus and Upscale Travel Perks: Capital One Venture X
The Capital One Venture X Rewards Credit Card has been making waves since its launch. Along with a massive welcome bonus which is worth $1,275 in travel based on Business Insider's valuations, the card comes packed with upscale benefits that can more than offset the $395 annual fee (rates and fees).
Capital One's first premium card has an annual fee lower than similar cards and a range of valuable travel perks. It's become a real competitor to cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express.
Cardholders receive $300 a year in credits toward travel booked through the Capital One travel portal; airport lounge access through Priority Pass, Plaza Premium, and Capital One (even for authorized users); a 10,000-mile bonus on each account anniversary (worth $100 in travel); and Visa Infinite travel and purchase benefits.
As with other cards that earn Capital One miles, rewards from the Venture X can be used to book award travel with more than a dozen airline and hotel Capital One transfer partners. Capital One also has its own luxury hotel booking program, the Capital One Premier Collection, for Venture X cardholders. It offers perks like room upgrades and on-property credits at hundreds of hotels and resorts around the world.
Read our Capital One Venture X Rewards Credit Card review to learn more.
Best for Dining and Entertainment: Capital One Savor Rewards
The Capital One Savor card is an enticing option thanks to its initial bonus and ongoing rewards, and that's especially true if you spend a lot on dining, entertainment, and streaming each year. Earning 3% back is excellent even if your primary expense is grocery shopping (except at superstores like Walmart and Target).
You can redeem your rewards for cash back in any amount, and this card doesn't charge foreign transaction fees on purchases made outside the U.S.
Read our Capital One Savor Card review for more details.
Best for Earning Cash Back While Building Credit: Capital One Quicksilver Secured
The Capital One Quicksilver Secured Cash Rewards Credit Card is ideal if you're working on building your credit but still want to earn rewards. Although there's no welcome offer, cardholders earn 1.5% cash back on all purchases, with no bonus categories to keep track of.
Because it's a secured credit card, you'll have to put down a security deposit equal to the initial credit line you'll be given. You can get started with a deposit as low as $200, and with responsible use over time, you could have the opportunity to upgrade to an unsecured Quicksilver card and get your deposit back.
Read our Capital One Quicksilver Secured card review for more info.
Best for Building Credit With a Lower Security Deposit: Capital One Platinum Secured
If you're trying to improve your credit score after some financial mishaps, the Capital One Platinum Secured Credit Card is an ideal option — it's relatively easy to get approved for since you put down a security deposit when you open your card.
As a new cardholder, you'll put down a security deposit ($49, $99, or $200), which is refundable and determines your initial credit line. After you make payments on time for six months, you can get access to a higher credit line.
Here's our Capital One Platinum Secured credit card review with all the details.
Best Student Card With Flat-Rate Cash Back: Capital One Quicksilver Student Card
The Capital One Quicksilver Student Cash Rewards Credit Card is geared toward students who want to earn rewards while building up their credit over time. This card gives you a flat 1.5% back on all purchases with no limits, which isn't the best cash-back rate on a no-annual-fee card (rates and fees). But since this is one of the best credit cards for students with no credit, it's available to a broader selection of consumers who need help getting started.
The Capital One Quicksilver Student Cash Rewards Credit Card doesn't charge an annual fee, and there are no foreign transaction fees, either. It also offers solid benefits for a no-annual-fee student credit card, including price protection***, extended warranty***, car rental coverage***, roadside dispatch***, and complimentary concierge services.
Read ourCapital One Quicksilver Student Cash Rewards credit card review.
Best Student Card for Dining and Entertainment: Capital One SavorOne Student Card
If you're in college and spend a lot on dining out, groceries, entertainment, and streaming, the Capital One SavorOne Student Cash Rewards Credit Card is one of the most rewarding card options out there. Along with a welcome offer of a $50 cash bonus once you spend $100 on purchases within three months of account opening, the card offers 3% cash back in student-friendly categories, with no limits to what you can earn.
Dining and groceries (excluding superstores like Walmart and Target) are straightforward categories, and Capital One has a broad definition of entertainment — including movies, professional sporting events, amusem*nt parks, record stores, and bowling alleys. Eligible streaming services include popular platforms like Netflix, Hulu, and Disney+.
Like the Capital One Quicksilver Student Cash Rewards Credit Card, the Capital One SavorOne Student Cash Rewards Credit Card comes with surprisingly good perks for a student credit card, such as car rental coverage***, roadside dispatch***, price protection***, extended warranty***, and access to a concierge service.
Read our Capital One SavorOne Cash Rewards Student credit card review to learn more.
Capital One Credit Card Frequently Asked Questions
What is the highest level Capital One credit card?
The Capital One Venture X Rewards Credit Card is one of the issuer's newest — and fanciest
What credit score do you need for a Capital One credit card?
Capital One is one of the few issuers that tells you exactly what credit score you'll need for each of its cards. For example, the premium Capital One Venture X Rewards Credit Card is appropriate for those with an excellent credit score, defined as follows: You'venever declared bankruptcy or defaulted on a loan, been more than 60 days late on any credit card, medical bill, or loan in the last year, and have had a loan or credit card for three years or more with a credit limit above $5,000.
Not all Capital One cardholders have excellent credit. If your credit is fair or average, you could still qualify for cards like the Capital One Quicksilver Student Cash Rewards Credit Card.
Are Capital One credit cards good?
Capital One cards are good for their excellent customer service and solid perks, and you'll never pay foreign transaction fees which can save you money if you're traveling overseas. You've also got a wide variety of card options — whether you're just getting started with credit or are looking for an upscale card that earns generous travel rewards, there's likely a Capital One card that is a good fit.
Are Capital One credit cards right for beginners?
If you're a beginner, Capital One credit cards are a great option. You can choose from a strong selection of fair credit, bad credit (such as secured credit cards), and student credit cards for folks just starting out, building credit, or rebuilding credit. There's a great range of rewards rates, bonuses, intro APR rates, and perks to choose from.
Can you have more than one Capital One card?
Yes, you can have more than one Capital One card. However, Capital One doesn't publish any firm rules about the total number of cards you can have open at once — it depends on your credit profile, income, and other factors.
Why You Should Trust Us: How We Chose the Best Capital One Credit Cards
We looked at all of the Capital One credit cards currently available to new applicants and considered several factors:
- Ease of use — Does the card have a rewards program (cash back or miles) and if so, is it easy to navigate?
- Earning potential — Are there bonus categories or strong flat-rate earning with the card, and are they appealing to a broad range of customers?
- Annual fee — Many Capital One credit cards have no annual fee, but for those that do charge one, are there additional perks or features that make it worth it?
- Cards for various types of consumers — We picked cards that appeal to different types of consumers, including travel aficionados, foodies, students, folks building credit, and small-business owners.
For more information, check out Business Insider's guide to how we rate and review credit cards.
Freelance Writer
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson ownsClub Thriftyand is the co-author of "Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Marketing Compliance Manager
Angela Fung is the Compliance Manager for Business Insider'sPersonal Financedivision, overseeing a team that ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.The compliance team's mission is to maintain reader trust by confirming stories are fact-checked and current so that readers can make informed financial decisions. The team also works to minimize risk for partners by maintaining clear, precise language that is compliant with regulatory and partner marketing guidelines that align with the editorial team.
Top Offers From Our Partners
SoFi Checking and Savings Earn up to 4.60% APY on savings balances and up to a $300 bonus with qualifying direct deposit. FDIC Insured. There is no minimum direct deposit amount required to qualify for the 4.60% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. To earn the $300 bonus, the customer must complete a direct deposit with a minimum initial deposit of $250 in a new SoFi Checking and Savings account within 45 days of clicking to qualify (offer expires 12/31/24).
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
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