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7 best Capital One credit cards

Credit cards, when used responsibly, can be a valuable financial tool for earning rewards, building credit, traveling, and handling emergencies or unplanned expenses.

One of the most popular financiers in the country, Capital One® offers personal, business, and auto credit. They are particularly renowned for their extensive range of credit cards meant for all kinds of borrowers. Whether you are a new credit card user aiming to build a solid credit score or a seasoned borrower in search of lucrative rewards, Capital One® has got your needs covered.

As Capital One® has multiple credit card products, it can be a bit tough to choose the right one.

Venture® from Capital One® – Rewards credit card for travel
If you travel frequently, then Venture® rewards credit card is an ideal choice, offering rewards that are easily redeemable. For every $1 you spend, you’ll earn 2X miles. Similarly, you’ll get 10X on every $1 spent on your stay at thousands of network hotels. Also, they offer some of the best sign-up bonuses. Within the first three months, if you spend $3,000 on purchases, you will get 50,000 miles, which are worth $500. Capital One® will levy an annual fee of $95 after the first year. The Venture® rewards credit card by Capital One® is recommended if you have a credit score ranging between 690 and 850.

Quicksilver® from Capital One® – Cash rewards credit card for cash back
Earning you a 1.5% flat-rate cash back on each purchase, Quicksilver® cash rewards credit card is fitting if you are looking for a card that is simple to use and earns you rewards without any rigid terms and conditions. Additionally, this card renders one of the best sign-up bonuses, i.e., $150 after you make purchases worth $500 in the first three months after opening your account.

Quicksilver® from Capital One® cash rewards credit card is offered with a no interest introductory annual percentage rate (APR) for purchases as well as balance transfer for the first 15 months. This makes it an apposite pick if you intend to buy something expensive or transfer your debt in the near future. Post the 15-month period, Capital One® will levy an APR of 16.24% to 26.24%. You will be charged a fee of 3% of the total balance for transferring the debt. Also, you will be required to have a minimum credit score of 690 to qualify for Quicksilver® credit card from Capital One®.

Journey® Student Credit Card from Capital One® – Rewards credit card for Students
The Journey® Student Rewards from Capital One® credit card is designed to encourage students to develop and sustain beneficial credit habits. Every time you pay your credit card bill on time, Capital One® offers you a 0.25% cash back boost. Furthermore, for every purchase you make, you get a 1% cash back. There’s more to this timely payment perk. For five months, if you simultaneously pay your bills by the due date, then Capital One® might upgrade you to a higher line of credit.

The steep variable APR of 26.98% on balance transfers and all purchases is the only negative that comes with this student credit card. To avoid interest, set up automatic payments via your savings account. An average credit score range of 630 to 389 is enough to be eligible for the Journey® Student Credit Card from Capital One®.

Savor® Rewards from Capital One® – Cash rewards credit card for dining and entertainment
Love to wine and dine? Then, the Savor® from Capital One® cash rewards credit card is one option you shouldn’t overlook. It offers you an unlimited 4% cash back on dining and entertainment. Additionally, you also get a 2% cash back on groceries and 1% cash back on all other purchases. You can score a cash bonus of $500 if you use the credit card to make purchases costing $3,000 in the first three months of signing up.

After the first year, you will be charged with an annual fee of $95. If you are looking for a credit card sans the annual fee fuss, then consider Savor® Rewards credit card from Capital One®. The minimum credit score needed for this credit card is of 690.

Platinum Credit Card from Capital One® – Credit card for average credit
Looking for an unsecured credit card with an average credit score? Then, give Platinum Credit Card from Capital One® a shot. As this card is aimed at users wanting to build a strong credit profile, it doesn’t offer much in terms of rewards. However, if you use this card judiciously for more than five months, you can be bumped up to a higher line of credit. After improving your credit score, you can contemplate over switching to another one of Capital One® credit cards for bonuses and other rewards on purchases. To qualify for the Platinum credit card you need a credit score of at least 630.

Secured Mastercard® from Capital One® – Credit card for poor credit
The best way to escape the clutches of a poor credit score is to get a secured credit card. The Secured Mastercard® from Capital One® is one such card that can effectively help you cope with the hassles of bad credit. Based on your creditworthiness, you will have to make a refundable security deposit of $49, $99, or $200 for a spending limit of $200. It reports to all the three major credit bureaus and charges no annual fees. However, there are no rewards offered on this card. After rebuilding your credit, you can shift to another Capital One® credit card to reap the benefits of rewards. If you have a credit score lower than 630, then you should consider applying for this credit card.

Spark® Cash from Capital One® – Cash credit card for business
If you are running a business, then you should take a look at Spark® Cash credit card by Capital One®. Out of all Spark® cards for business, Spark® Cash credit card offers the highest cash back. For every purchase made, you’ll receive an unlimited 2% cash back. You get an additional cash bonus after spending $4,500 using the card within the first three months. Though, an annual bill of $95 is billed as soon as the first year is over. To qualify for a Spark® Cash credit card you will need to have a credit score between 690 and 850.

The best part about Capital One® credit cards is that none of them charge foreign transaction fees. So, if you are abroad or buying something off a foreign website, you don’t need to fret about dealing with extra fees. On the other hand, for every late payment, Capital One® will charge a penalty fee of $38.

Before applying for any of the Capital One® credit cards, ensure that you consider some key factors. These factors include your credit score, your income, your spending habits, and existing financial condition (debt and savings). Also, avoid applying for too many credit cards at once as this can make lenders suspicious about your financial situation. This is because if lender pulls a hard inquiry on your credit file, chances are your credit score will be negatively affected. In a nutshell, be smart and picky about your potential choices and scrutinize your personal finances as well as the lender’s terms and conditions before putting down an application.

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