Capital One is a popular credit card issuer offering a range of options for different types of spenders. The bank has cards for earning cash back, building credit, and enjoying travel perks. Capital One also offers options for students and small-business owners. When choosing a Capital One credit card, factors to consider include credit score, preferred rewards, and spending habits. The best Capital One credit cards are:
- Best for travel rewards: Capital One Venture Rewards Credit Card
- Best for restaurants and groceries: Capital One SavorOne Cash Rewards Card
- Best for flat-rate earning: Capital One Quicksilver Rewards Card
- Best for building credit: Capital One Platinum Secured Mastercard
- Best for students: Capital One student versions of SavorOne and Quicksilver
- Best for small-business owners: Capital One Spark Miles Credit card or Spark Cash Plus
The Capital One Venture Rewards Credit Card is the top pick for travel rewards, offering 2 miles per dollar on general purchases and a moderate annual fee of $95. The Capital One SavorOne Cash Rewards Card is the best option for dining and groceries, offering a 3% cash back rate with no annual fee. The Capital One Quicksilver Rewards Card is a good choice for flat-rate earning, offering 1.5% cash back on all purchases and no annual fee. The Capital One Platinum Secured Mastercard is ideal for building credit, offering a $200 initial credit line with a refundable security deposit. Capital One also offers student versions of the SavorOne and Quicksilver cards, as well as options for small-business owners.
When choosing the best Capital One credit card for you, consider your spending habits, credit score, and desired rewards. Capital One offers a range of options to suit different needs, whether you want travel rewards, cash back, or to build your credit.
