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Top 6 Capital One Credit Cards – Which Is Best For You?

Capital One is the credit card company of choice if what you’re looking for are credit cards that genuinely take care of you. They offer highly exclusive and innovative features for their customers on top of the regular Visa and MasterCard benefits that you will enjoy with other cards.

Compared to other credit card companies, their travel benefits and cash back rewards are unmatched, and their starter bonuses are the highest with their APR (Annualized Percentage Rate) being highly competitive.

They have a long line of excellent credit card offers, each with unique features that cater to your unique needs. You can choose whichever particular card works for you, whether you’re looking to rack up free miles, get cash back rewards, or just have a card with a competitive APR for your business needs. Here are some of their best offerings:

1. The Capital One VentureOne Rewards Credit Card

This card is excellent for those looking to rack up some free travel miles and has a competitive variable APR of between 13.74% and 23.74% and no annual fee. It also comes with a 0% purchase intro APR for the first 12 months. Here are some of the benefits you get with the VentureOne:

• You get a one-time bonus of 20,000 free miles when you spend the first $1000 on purchases within 3 months of opening your account. That’s equivalent to $200 of travel!
• For every purchase you make you earn 1.25X miles and 10X miles on virtually thousands of hotels. You also get to stay at any hotel and fly on any airline at any time.
• No foreign transaction fees!

2. The Capital One Venture Rewards Credit Card

This is another card that offers free miles. It is one of their most popular offerings and has a very high rating by reviewers. It was even named the Best Travel Card by CNBC for 2018! You get to enjoy no annual fee for the first 12 months after purchase and only $95 a year thereafter. You also get to enjoy a variable APR of 14.74% to 24.74%. Here are some of the main benefits you enjoy with this card:

• You get a one-time bonus of 50,000 free miles when you spend the first $3000 on purchases within 3 months of opening your account. That’s equivalent to $500 of travel!
• For every purchase you make you earn 2X miles and 10X miles on virtually thousands of hotels. You also get to stay at any hotel and fly on any airline at any time.
• No foreign transaction fees!

3. The Capital One Quicksilver® Rewards Credit Card

This is an excellent card for those looking to get cash back rewards on their credit cards. For starters, it offers a 0% purchase intro APR for the first 15 months and no annual fee. The variable annual APR is also very competitive, ranging between 14.74% and 24.74%. Here are some of the benefits you will enjoy:

• Spend $500 within the first 3 months after opening your account and you get a $150 cash bonus!
• Earn a cash back reward on just about all of your spending. For dining and entertainment, earn 2% cash back. For grocery spending, earn 2% cash back. For any other purchases, earn 1% cash back. The cash backs also don’t need any sign-ups or rotating categories and won’t expire for the entire lifetime of your account. Basically, you aren’t limited in how much you can earn!
• No foreign transaction fees!

4. The Capital One Savor Cash Rewards Credit Card

Another card with excellent rewards for those who just can’t get enough of cash back programs! With this card, you pay an annual fee of $95 but get the first year free. The APR is also very competitive at 16.24% to 25.24% variable. Here are some of the excellent benefits you will enjoy with this card:
• Spend $3000 within the first 3 months after opening your account and you get a $500 cash bonus!
• Earn a cash back reward on just about all of your spending. For dining and entertainment, earn 4% cash back. For grocery spending, earn 2% cash back. For any other purchases, earn 1% cash back. The cash backs also don’t need any sign-ups or rotating categories and won’t expire for the entire lifetime of your account. Basically, you aren’t limited in how much you can earn!
• Gain access to some of the most premium experiences in dining and entertainment.
• No foreign transaction fees!

5. The Capital One Journey Student Rewards Credit Card

This card was made for students and has some great perks that students will enjoy.
• 1% cash back on all purchases and 1.25% if you pay your monthly payments on time!
• Make your monthly payments on time for the first 5 months and you get access to a higher credit line.
• If your card is lost or stolen, you get $0 fraud liability.
• You get to pick your own monthly due date!

6. The Capital One Spark Miles for Business

This card was designed for businesses and has some excellent perks. Apart from the highly competitive 18.74% APR, it also offers the first year free and then a small $95 annual fee after that. Here are some of the major benefits:
• 2 miles for every dollar you spend.
• 50,000 miles if you spend $4,500 within the first 3 months of opening your account.
• You can redeem your miles in travel points, gift cards, cash back, and so much more!
• No foreign transaction fees!