Best Capital One Credit Cards (Which One is Best For You)

As you begin your search for the best credit card to fit your lifestyle, you may want to consider a Capital One credit card. This financer partner has a plentitude of credit cards to select from that are suited to your individual needs. It is a well-known name in the credit card industry as it offers credit options that provide rewarding advantages that allow you to make purchases that help you earn an array of benefits. To help you narrow down which Capital One card is best for you or your business, we have listed the top ones here.

Capital One Journey Student Rewards Credit Card

With a $0 annual fee, the One Journey Student Rewards credit card from Capital One is perfect for the college student on a budget. This card offers cash back rewards at 1 percent per dollar spend for all the purchases that you make each and every day. Make your payment on time, and Capital One will boost your rewards earning for the next month to 1.25 percent per dollar spent. If you continue to make payments by the due date, you’ll be generously rewarded with an increased line of credit after only five months. APR rate on the card is 24.97 to 28.97 percent.

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With the One Journey Student Rewards credit card, you’ll also have free access to your credit score and series of credit tools that can help you manage your credit history at no additional charge. There is also free fraud liability on the card in case you ever lose it, or it gets stolen. And, if you have plans to travel abroad, you can count on this credit card as you’ll never pay a transaction fee for any purchase you make in a foreign country.

Capital One Spark Cash Credit Card

If you are looking to rack up cash rewards fast as a business owner, the Capital One Spark Cash credit card is the right one for your company. This credit card pays you an unlimited 2 percent cash back, which you can redeem at any time. You’ll also get a $500 cash bonus after you have spent a total of $4500 on purchases within the first three months of owning the credit card. The annual fee on the card is $0 for the first year and $95 for the following years. APR on the credit card is 18.74 percent.

Other features of the Capital One Spark Cash credit card include zero fraud liability in case your card is lost or stolen. Capital One will even text, email or call you if they suspect fraud on the card. With the Capital One Spark Cash credit card, you also have the option to add employees to the card at no additional charge while still earning cash rewards on their purchases.

This card is ideally suited to business owners as there is no limit to the number of cash rewards you can redeem. Plus, with no expiration date on the cash rewards, you can save them until you really need them for the life of owning the account with Capital One.

Capital One Venture Rewards Credit Card

Travelers will benefit from the Capital One Venture Rewards credit card. This fast-earning rewards card offers an unlimited two times the miles per dollar on every purchase that you make. You’ll earn those miles even faster when you open this credit card and make $3000 in purchases over the course of three months. A nice 50,000 miles will be added to your account, helping you to get to that dream destination a little faster.

The annual fee on the card is $0 for the first year and $95 for each year after that. APR rate on the Capital One Venture Rewards credit card is 14.74 to 24.74 percent. Traveling with this credit card is made easy as there is no transaction fee for purchase made outside the U.S.

If you want to earn even more, the Capital One Venture Rewards credit card allows you to earn 10 miles per dollar spent when you book your hotel through Additional travel needs such as airline tickets and rental cars can also be booked through the Capital One website or app, giving you more convenience when using the card.

Another travel benefit with the Capital One Venture Reward credit card is the $100 reimbursement of your Global Entry or TSA PreCheck. This allows you to travel easier and without added costs.

Capital One Quicksilver Rewards Credit Card

For those consumers that are looking for a credit card that has a zero percent introductory rate, you’ll want to consider the Capital One Quicksilver credit card. This card offers zero percent APR for 15 months. After the 15 months, the APR on the card is 14.74 to 24.74 percent. The annual fee on the card is $0 per year.

You’ll also earn plenty of rewards with the Capital One Quicksilver credit card as there is an unlimited 1.5 percent cash back on every purchase you make. Earn even more with a $150 cash back bonus when you spend your $500 in the first three months of opening the credit card account. You can redeem your cash reward at any time and never have to worry about these cash back rewards expiring as they will last the life of the account.

The Capital One Quicksilver credit card is the ideal card for balance transfers as you’ll have that zero percent APR for 15 months and receive only a 3 percent fee of the amount transferred. Plus, this card offers zero transaction fees for international purchases, giving you even more spending power.

You have plenty of credit card options when it comes to selecting Capital One. The company provides a range of rewards and services that are designed to make your credit card experience as pleasurable as possible. You just have to choose the credit card that best suits your needs and offers you the benefits you are looking for.


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