The Capital One Venture X Rewards Credit Card is the best credit card for Capital One because of the bounty of rewards and perks it offers — not to mention being one of the most affordable cards for lounge access.
Looking for the right Capital One credit card? Whether you’re after travel rewards, cash back or a card to help build credit, Capital One offers straightforward options for all credit types — with perks like simple rewards structures, no foreign transaction fees and strong travel and business benefits. We’re here to make the decision easier by helping you compare Capital One credit cards and quickly find one that best fits your needs.
| Credit Cards | Our Ratings | Rewards Rate | Welcome Offer | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|
Capital One Venture X Rewards Credit Card
|
(Winner) Best Capital One credit card for travel
|
2X - 10X miles
| 75,000 miles
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
| Excellent | |
Capital One Venture Rewards Credit Card
|
Best Capital One travel + low annual fee credit card
|
2X - 5X Miles
| 75,000 miles
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
| Good / Excellent | |
Capital One VentureOne Rewards Credit Card
|
Best Capital One no-annual-fee travel card
|
1.25X - 5X Miles
| 20,000 miles
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
| Good / Excellent | |
Capital One Quicksilver Secured Cash Rewards Credit Card
|
Best Capital One secured credit card
|
1.5% - 5% Cash Back
| N/A | Limited / Poor | |
Capital One Platinum Credit Card
|
Best Capital One card for fair credit
|
N/A | N/A | Limited / Fair | |
Capital One Savor Student Cash Rewards Credit Card
|
Best Capital One student credit card
|
1% - 8% cash back
| $100 Cash Back
Earn $100 Cash Back when you spend $300 in the first three months
| Fair | |
Capital One Venture X Business
|
Best Capital One credit card for business
|
2X - 10X Miles
| 150,000 miles
150,000 Miles once you spend $30,000 in the first 3 months from account opening
| Excellent | |
Capital One Spark Cash Plus
|
Best Capital One cash back business card
|
2% - 5% Cash Back
| $2,000 cash back
$2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
| Excellent | |
Capital One Spark Classic for Business*
|
Best Capital One business card for fair credit
|
1% - 5% cash back
| N/A | Fair | |
Capital One Savor Cash Rewards Credit Card
|
Best Capital One cash back card
|
1% - 8% cash back
| $200 Cash Back
$200 Cash Back after you spend $500 on purchases within 3 months from account opening
| Good / Excellent | |
Capital One Quicksilver Cash Rewards Credit Card
|
Best Capital One catch-all card
|
1.5% - 5% Cash Back
| $200 Cash Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
| Good / Excellent |
To bring you the list of best Capital One cards, we use an objective rating and ranking system that compares features across a large set of credit cards (over 200 of them from over 50 issuers). We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.
Depending on the category, we also look at the flexibility rewards, features for building credit and how the card’s overall list of benefits compares to other cards.
Note that our ratings are a starting point for comparing and choosing the best credit card. However, your needs may be different from the average cardholder. You should consider the amount you’re likely to spend in a card’s rewards categories and which benefits you value to choose the best card for you.
We calculate the savings on a balance transfer based on the length of the introductory period. We assume a transfer amount of $6,000 and a monthly payment of $300. We subtract balance transfer fees, annual fees and the amount paid on interest for any amount left over after the introductory period expires.
We calculate the amount saved on interest given the length of the card’s introductory period. We assume a purchase of $6,000 and a monthly payment of $300. We subtract the card’s annual fee and interest paid on any amount remaining after the introductory period expires. We also add in the amount earned on rewards for the average cardholder, including the card’s sign-up bonus, minus the card’s annual fee. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We calculate the rewards earned for the average cardholder using Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes sign-up bonus and annual bonuses (including annual free night certificates). For travel cards, this value includes travel perks like lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
We calculate how much the average cardholder can save with the card on a yearly basis. If it is a rewards card, we use U.S. Bureau of Labor Statistics data and $300 in monthly spend (the typical starting credit limit for an introductory card) to calculate how much the average cardholder can earn in rewards. We then subtract fees — including annual fees and maintenance fees — from this amount.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 75,000 miles
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.
The Capital One Venture X Rewards Credit Card is the best Capital One credit card for travel and the most valuable Capital One rewards card. It offers great rewards on travel purchases and flexible miles that transfer to a variety of hotel and airline programs. You’ll also get a $300 annual credit for booking through Capital One Travel that can offset most of the $395 annual fee. That makes it one of the most affordable options for access to airport lounges, including Capital One Lounges and the Priority Pass lounge networks.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 75,000 miles
Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.
The Capital One Venture Rewards Credit Card is a great option if you’re looking for a simple travel rewards card. It earns a flat rate of 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. The card has a $95 annual fee but comes with a Global Entry/TSA PreCheck® credit once every four years that’s worth up to $120.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 20,000 miles
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
The Capital One VentureOne Rewards Credit Card is a great option for cardholders who want a travel rewards credit card with no annual fee. While its everyday earning rate is underwhelming, cardholders can earn a higher rate on hotels and rental cars booked through Capital One. Plus, like other Venture cards, you can transfer your miles to travel partners to boost their value. A long introductory APR period also allows new cardholders to pay off large purchases over time without incurring interest — you could use it to finance an upcoming trip.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: Earn 1.5% - 5% Cash Back
Earn 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
The Capital One Quicksilver Secured Cash Rewards Credit Card is the most rewarding of Capital One’s secured credit card options. You can earn cash back on all purchases, which many secured credit cards don’t offer.
You will have to put down a minimum $200 security deposit, which acts as your credit limit. But with responsible usage, you can be automatically considered for a higher credit line in as little as six months. If you use your Capital One Quicksilver Secured Cash Rewards Credit Card responsibly, it can help you build your credit.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Available to applicants with limited / fair credit
The Capital One Platinum Credit Card helps cardholders with limited / fair credit build stronger credit with responsible use for a $0 annual fee. This version of the card isn’t a secured credit card, so you don’t need to put down a security deposit to establish your line of credit. Better yet, you’ll be automatically considered for a higher credit line in as little as six months.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $100 Cash Back
Earn $100 Cash Back when you spend $300 in the first three months.
The Capital One Savor Student Cash Rewards Credit Card is a fantastic addition to any student’s wallet. It doesn’t charge an annual fee and earns generous returns on food, fun and travel. Upon graduation, cardholders can choose to keep their existing card long-term or upgrade to a standard credit card.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn 150,000 miles
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
The Capital One Venture X Business is one of the best business credit cards for business owners, especially those with big company expenses. The card earns straightforward rewards and comes with luxury travel benefits, a generous annual credit and airport lounge access to Capital One Lounges and Priority Pass lounges (after enrollment).
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $2,000 cash back
Earn $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
The Capital One Spark Cash Plus is an excellent choice for business owners looking for a simple cash back card. It earns one of the highest flat rates of cash back for a business credit card. And while it does have a $150 annual fee, you can get it refunded every year after you spend at least $150,000 on the card.
The Capital One Spark Cash Plus is a charge card that comes with no preset spending limit. That means you must pay the balance in full each and every month. However, it’s a valuable option for business owners who spend heavily, need a more flexible limit and want simple rewards in return.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Rewards: Earn 1% - 5% cash back
The Capital One Spark Classic for Business* is designed for small business owners with fair credit who want to earn rewards while building their credit profile. It earns straightforward cash back on every purchase, which is rare from a business credit card for applicants with low credit.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $200 Cash Back
Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
The Capital One Savor Cash Rewards Credit Cardd is our top choice for cash back credit card because it earns some of the best rewards around on a wide variety of categories, including groceries, dining, select streaming and entertainment purchases such as tickets to concerts and sporting events. You’ll also get a solid intro APR in case you need to transfer a balance or finance a large purchase.
Who’s it for:
Key benefits:
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Sign-up bonus: Earn $200 Cash Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
The Capital One Quicksilver Cash Rewards Credit Card is a great catch-all card for general purchases since it earns a high rate of 1.5% - 5% cash back on every purchase. It pairs well with cards like the Capital One VentureOne Rewards Credit Card — you can use it to earn a higher rate on all your purchases, then pool your rewards with the Capital One VentureOne Rewards Credit Card and transfer them to a travel loyalty program.
Who’s it for:
Key benefits:
Capital One offers some of the most valuable cards around for a wide range of purposes, including business, travel, building credit and everyday use. Capital One doesn’t charge foreign transaction fees across any of its cards, making them great travel companions for international trips. You’ll enjoy simple, valuable rewards that you can redeem practically any way you prefer. However, Capital One does have its drawbacks, including mixed reviews on the quality of its customer service.
Pros
Cons
Pulls from all three credit bureaus
Many cardholders complain online that Capital One often pulls credit reports from all three credit bureaus, which can impact your credit score more significantly. However, Capital One does offer a preapproval tool that can help you estimate your chances of approval, so you can avoid a potential credit hit for a card you probably can’t get anyway.
Low initial credit limits
Capital One has a reputation for extending low initial credit limits to new cardholders, especially on credit cards designed for applicants with lower credit. While some credit cards for bad credit offer automatic reviews for credit line increases after six months, many cardholders on lower-tier credit cards say they have found it hard to obtain substantial credit limit increases. For example, one Reddit user states: “My <Capital One Platinum Credit Card> is still at $200 credit, and they keep saying I can’t get an increase because I don’t spend enough on the card.”
Learn how to request a credit limit increase with Capital One
Difficulty upgrading
Some Capital One cardholders report that upgrading from entry-level cards like the Capital One QuicksilverOne Cash Rewards Credit Card or fair-credit credit cards like the Capital One Platinum Credit Card can be difficult unless you apply for a new card altogether. Even customers with strong credit scores and consistent on-time payments report getting “stuck” in a low-tier credit “bucket” that doesn’t easily allow product changes. Some Redditors even suggest that you may stay stuck in that “bucket” after upgrading: “If you receive an offer to convert to something else…you will remain in the ‘subprime’ bucket even though you have a ‘better’ product now. If the card number starts with 5178 05xx, it’s a subprime tier product.”
Customer service
Some Capital One cardholders complain about experiencing inconsistent customer service and that support can sometimes be slow, unhelpful or difficult to reach. Some say Capital One’s service doesn’t match the responsiveness or friendliness offered by competitors like Discover, especially for consumers who expect stronger support with travel issues or account management. But there are also plenty of positive reports. A Reddit user notes: “Had to call about something for my <Capital One Venture X Rewards Credit Card>, and the call was on the same level if not better than Amex. Was very impressed.”
“About six months ago, I upgraded from the Capital One Quicksilver Cash Rewards Credit Card to the Capital One Savor Cash Rewards Credit Card within the mobile app. The process was seamless and done in under five minutes. I’ve also used the app to request a credit limit increase twice, which takes just a few minutes. I haven’t needed to call or chat with customer service as my requests were successful.”
– Charlotte Zhang, credit card writer at LendingTree
Rest assured: Capital One cardholders aren’t all destined for low initial credit limits. LendingTree research shows that cardholders with credit scores above 760 have an average initial limit of $10,751 — which is higher than some major issuers like Citi and Discover. However, our research also suggests that Capital One may indeed offer low initial credit limits for lower credit ranges compared to other issuers. For instance, cardholders in the 600 to 639 range recently received an average starting limit of $862 — less than half the overall average for that range.
Average credit card limits for new cards from major issuers by cardholder credit score
| Card Issuer | 760 and Up | 720 - 749 | 680 -719 | 640 - 679 | 600 - 639 | 560 - 599 | 520 - 559 | Under 520 | All Scores |
|---|---|---|---|---|---|---|---|---|---|
 | $18,962 | $11,217 | $7,640 | $7,598 | $7,830 | $8,944 | $10,433 | $9,857 | $12,177 |
 | $16,839 | $11,376 | $8,168 | $7,595 | $6,170 | $4,644 | $4,208 | $5,144 | $11,436 |
 | $10,353 | $8,070 | $4,760 | $3,483 | $2,571 | $2,268 | $2,405 | $2,464 | $6,042 |
 | $11,416 | $6,026 | $2,667 | $1,405 | $842 | $600 | $501 | $461 | $1,474 |
 | $15,231 | $11,078 | $7,241 | $5,960 | $5,279 | $5,008 | $4,889 | $5,398 | $8,960 |
 | $8,663 | $7,542 | $5,948 | $4,998 | $4,357 | $4,103 | $4,205 | $4,248 | $6,346 |
 | $7,263 | $6,656 | $4,674 | $3,481 | $2,056 | $1,340 | $1,208 | $1,359 | $4,384 |
 | $18,819 | $14,099 | $8,819 | $6,331 | $4,361 | $2,798 | $1,926 | $1,429 | $5,421 |
 | $15,697 | $9,704 | $5,261 | $2,874 | $2,125 | $1,573 | $1,357 | $1,406 | $3,629 |
 | $13,676 | $8,090 | $4,374 | $2,737 | $1,805 | $1,494 | $1,532 | $1,644 | $5,199 |
 | $12,074 | $9,356 | $7,607 | $7,646 | $6,833 | $7,294 | $7,425 | $8,229 | $9,498 |
| All Issuers | $13,866 | $9,260 | $6,014 | $4,410 | $2,796 | $1,734 | $1,311 | $1,274 | $6,123 |
The Capital One rewards program is called Venture Miles, and there are several different credit cards that can earn Venture miles. One of the best things about the Venture Miles program is that the miles you earn are quite flexible.
You can redeem miles to book travel through the Capital One travel portal or cover select travel purchases at a rate of 1 cent per mile. You can transfer your Venture miles to a variety of different hotel or airline travel partners, often for significantly higher value (around 1.8 cents per mile, by our estimates). You can also redeem miles for cash back, gift cards or purchases through Amazon (for eligible cards) or PayPal, though you’ll get a low value between 0.5 to 0.8 cents per mile.
| Redemption Options | Value |
|---|---|
| Cash back | 0.5 cents per mile |
| Gift cards | 0.8 cents per mile |
| PayPal purchases | 0.8 cents per mile |
| Amazon.com purchases (only available for some cards) | 0.8 cents per mile |
| Capital One experiences | Varies (usually 0.8 cents per mile) |
| Travel statement credits | 1 cent per mile |
| Travel through Capital One portal | 1 cent per mile |
| Miles transfers to airlines and hotels | ~1.8 cents per mile or more |
The Venture Miles collection includes several personal credit cards and several cards for small business owners. You can transfer miles to Capital One hotel and airline partners with any of these cards:
Capital One also lets you redeem miles for travel through the Capital One travel portal. The portal — which is powered by Hopper — lets you search for flights, hotels or rental cars and pay with your miles at a rate of 1 cent per mile.
Credit card travel portals aren’t always popular for booking flights because the prices aren’t always the best and you lose flexibility, such as the ability to make changes or cancellations directly with the airline. But the Capital One travel portal offers some helpful tools like price prediction, price drop protection and price matching on rewards travel. Many users report positive experiences with these features. Says one Reddit user: “Cap1 portal is usually the cheapest option around and the rare time it isn’t they will price match guarantee.”
Capital One’s travel partners include more than 15 hotel and airline loyalty programs. You may be able to get outsized value by transferring your miles to some of these programs. Most partners transfer at a ratio of 1:1. Note that Capital One currently doesn’t have a major U.S. airline partner, which may make it harder to transfer your miles to book a domestic flight.
Learn more about redeeming Capital One miles
“I used the Capital One Venture Rewards Credit Card when the sign-up bonus included a $250 credit for Capital One’s travel booking site. Earning miles with the sign-up bonus gave me a free roundtrip flight to Bulgaria by transferring the miles to Air Canada, and the $250 credit almost paid for an entire vacation rental right by Cocoa Beach during a high season. It enabled me to travel when I hadn’t necessarily set up a full budget for it.”
– Isabella Kok, credit card writer at LendingTree
Capital One offers many different credit cards, and it may feel overwhelming to decide which Capital One card might be right for you. Here are a few things to consider when choosing a Capital One credit card.
You need to make sure your credit score falls within a card’s credit range before you apply. It doesn’t make sense to apply for a card that requires excellent credit if your credit is still rebuilding. Capital One makes it very clear on their website the range of credit that you’ll likely need.
| FICO Score | Vantage Score |
|---|---|
|
|
The wide array of credit cards offered by Capital One means that no matter what kind of credit card you’re interested in, it’s likely that Capital One has an offering that might appeal to you.
Best if: You want to earn miles that you can use with any hotel or airline.
→ Check out the best travel credit cards
Best if: You want the simplest, most flexible rewards possible.
→ Check out the best cash back credit cards
Best if: You’re trying to pay down a balance on another credit card.
→ Check out the best balance transfer credit cards
Best if: You want to finance a large purchase.
→ Check out the best 0% intro APR credit cards
Best if: You need a card to make purchases for your small business.
→ Check out the best business credit cards
Best if: You’re new to credit or trying to rebuild your credit history
→ Check out the best credit cards for building credit
Capital One credit card offers have bonus spending in different categories. You should pick a card that includes a bonus on categories where you spend the most. Many Capital One cards offer the same rate on every purchase — these are better options if you don’t spend heavily on dining and travel, or you don’t want to keep track of categories.
Don’t overlook the value of the remaining benefits on the card. Some Capital One cards offer travel credits that can cover the cost of the annual fee. In addition, most Capital One cards come with purchase and travel protections — such as trip cancellation insurance and extended warranty protection — that can secure your purchases and save you from having to purchase insurance.
Capital One credit cards come with no foreign transaction fees, which makes them a great choice to use while traveling abroad.
Capital One offers cards that come with auto rental collision coverage, which covers you for theft or damage to a vehicle rented with your card. These include the Capital One Venture X Rewards Credit Card.
The Capital One Venture X Rewards Credit Card comes with a Priority Pass™ Select Membership, as well as access to Capital One airport lounges.
The Capital One Venture X Rewards Credit Card offers a $300 annual travel credit for bookings through Capital One Travel, as well as up to a $120 reimbursement for Global Entry or TSA PreCheck®. These credits combined can cover your annual fee in the first year.
Several Capital One credit cards offer various travel protections, including insurance against delayed trips or lost baggage.
Many Capital One credit cards also offer protection for purchases made with the card, including extended warranty and purchase protection.
Yes, you can combine Capital One credit card rewards between accounts. You can boost your reward earnings by pairing a miles-earning travel credit card with a cash-back credit card, since you can transfer cash rewards to miles at a ratio of one mile to 1 cent. This way, you can earn elevated cash back in specific spending categories on your cash-back credit card, then convert those rewards into miles on your travel rewards credit card for travel redemptions.
Here are two examples of how this can work:
If you’re looking to apply for a Capital One credit card, here are a few tips for how to get ready and increase your odds of being approved:
Our data shows that Capital One is a leading issuer of cards for lower credit scores. It recently issued a larger percentage of new credit cards to cardholders with scores below 600 compared to other major issuers.
| Card Issuer | 760 and Up | 720 - 749 | 680 -719 | 640 - 679 | 600 - 639 | 560 - 599 | 520 - 559 | Under 520 |
|---|---|---|---|---|---|---|---|---|
| BANK OF AMERICA | 34.9% | 21.5% | 15.8% | 13.7% | 8.1% | 3.5% | 1.7% | 0.8% |
| JPMORGAN CHASE | 19.0% | 22.3% | 19.7% | 19.2% | 11.7% | 5.0% | 2.1% | 1.0% |
| U.S. BANK | 14.6% | 17.7% | 16.9% | 17.8% | 14.6% | 9.7% | 5.3% | 3.4% |
| CAPITAL ONE | 3.1% | 4.4% | 7.7% | 14.7% | 21.7% | 22.3% | 16.6% | 9.5% |
| WELLS FARGO | 32.2% | 28.4% | 18.1% | 12.5% | 5.8% | 1.8% | 0.8% | 0.4% |
| AMERICAN EXPRESS | 32.3% | 19.3% | 15.6% | 14.1% | 9.4% | 5.1% | 2.6% | 1.7% |
| BARCLAYS | 25.6% | 18.3% | 15.6% | 17.9% | 12.7% | 6.7% | 2.4% | 0.9% |
| CITI | 20.0% | 22.1% | 19.7% | 19.4% | 12.0% | 4.6% | 1.4% | 0.7% |
| NAVY FEDERAL CREDIT UNION | 3.6% | 7.1% | 10.6% | 15.9% | 20.0% | 18.1% | 14.3% | 10.4% |
| DISCOVER | 12.7% | 21.5% | 20.7% | 17.7% | 11.7% | 7.7% | 5.4% | 2.5% |
| USAA | 4.0% | 7.7% | 12.5% | 22.6% | 23.5% | 16.9% | 8.5% | 4.3% |
| All Issuers | 17.1% | 15.6% | 14.3% | 16.0% | 14.5% | 11.0% | 7.4% | 4.2% |
Capital One offers cards for customers with a wide range of credit scores. Entry-level cards and cards for consumers with low credit may only require a credit score as low as 580, while Capital One’s travel rewards and cash back credit cards typically require good to excellent credit, around a score of 670 or higher.
Once you’ve applied and been approved for your Capital One card, activate it online by logging into your account or via the Capital One mobile app. You can also call the number on the sticker attached to your new card.
You can have more than one Capital One credit card at once; however, you’ll have to pass the issuer’s credit screenings for each card you want.
Capital One doesn’t publicly announce how often you can apply for one of its cards, but many customers report that you cannot be approved for more than one credit card every six months.
Yes, many Capital One cards offer secondary rental car insurance. The Capital One Venture X Rewards Credit Card offers primary rental car coverage when you pay in full with the card and decline the rental agency’s insurance, which allows you to file directly for coverage without first going through your own insurance company.
Capital One offers credit cards through both Visa and Mastercard networks, depending on the card.
No, Capital One does not charge foreign transaction fees on any of its cards.
Yes, in some cases, you can use your new Capital One credit card before you get it in the mail. Some Capital One cards offer instant virtual card numbers that you can use online or add to a digital wallet such as Apple Pay or Google Pay while you wait for the physical credit card to arrive.
Yes, you can use all Capital One credit cards internationally since none of them charge foreign transaction fees.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Capital One Spark Classic for Business and Capital One Spark Miles Select for Business has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
