Capital One Credit Card Reviews, Rules & Opinions

fact checked icon

Updated: July 3, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

Capital One offers about 30 different credit cards; anyone looking for business rewards, travel rewards, a student credit card, or to rebuild their credit can find a Capital One card that suits them. You don’t need an excellent credit score to qualify for different Capital One cards — the issuer offers cards for applicants for every type of credit score, ranging from fair to excellent.

Capital One also offers co-branded credit cards with Pottery Barn, Williams Sonoma, West Elm, Bass Pro Shops and Walmart. If you enjoy shopping at these brands, you can reap great benefits from the best Capital One cards.

ON THIS PAGE:

Featured Credit Cards Offered by Capital One

Capital One credit cards appeal to students, business owners, frequent shoppers, travelers or people with fair credit. For some Capital One credit cards, there is a $0 annual fee or a welcome bonus.

Credit CardMoneyGeek RatingQuick TakeRegular APRAnnual FeeRecommended CreditRewards Summary
Read review
Good no-frills unsecured card for building credit29.99% variable$0580-740 (Fair to Good)No Rewards
on partners secure website
Read review
Great flat cash back with a lengthy intro APR on balance transfers and purchases19.99% - 29.99% variable$0670-850 (Good to Excellent)Earn unlimited 1.5% cash back
on partners secure website
Read review
Same cash back as Quicksilver, but easier to get with a lower credit score.29.99% variable$39580-740 (Fair to Good)1.5% on everyday purchases and 5% cash back on hotels and rental cars booked through Capital One Travel.
on partners secure website
Read review
A great no-annual-fee card for diverse spenders19.99% - 29.99% variable$0670-850 (Good to Excellent)Earn 1% to 8% cash back
on partners secure website
Read review
Strong entry-level travel card with high rewards rates19.99% - 29.99% variable$95670-850 (Good to Excellent)Earn 2X -5X miles
on partners secure website
Read review
Generous flat-rate cash back on business expensesN/A$150740-850 (Excellent)N/A
on partners secure website
Read review
Best flat-rate rewards card for frequent travel26.24% variable$0 intro for first year; $95 after that670-850 (Good to Excellent)5:1 miles on hotels and rental cars booked through Capital One Travel 2:1 miles on all purchases
on partners secure website
Read review
A practical no-annual-fee student credit card with cash back19.99% - 29.99% variable$0(No Credit History)1.5%–5%
on partners secure website

Other Cards Issued by Capital One

In addition to the featured cards listed above, Capital One also offers the following credit cards:

  • Capital One CLUB Business Mastercard: For business owners who are CLUB members and are looking to earn CLUB points.
  • Capital One Bass Pro Shops CLUB Card: For regular Bass Pro Shops and Cabela’s shoppers looking to earn great reward points.
  • Capital One Cabela’s CLUB Card: If you want to earn cash back on Bass Pro Shops or Cabela’s purchases, this is a great credit card for you.
  • Capital One Spark Miles for Business Select: For business owners looking to earn bonus miles on business purchases.
  • Capital One® Spark® Classic for Business: For business owners looking to build credit and earn cash back on everyday purchases.
  • Capital One Spark Cash Select - $500 Cash Bonus - Good Credit: For business owners with a good credit score looking to earn cash back on business purchases.
  • Capital One Spark Cash Select - $500 Cash Bonus - Excellent Credit: For business owners with an excellent credit score looking for cash back on business purchases and a welcome bonus.
  • Capital One Key Rewards Visa: This card is the best option for you to earn cash back at a high rate across seven brands.
  • Capital One West Elm Key Rewards Credit Card: For people who are looking to earn cash back at a high rate across seven brands and free standard shipping.
  • Capital One Williams Sonoma Key Rewards Visa: For Williams Sonoma shoppers looking to earn cash back at that store and six other brands.
  • Capital One Pottery Barn Key Rewards Visa: For Pottery Barn shoppers who want to earn cash back at the store and across six other brands, grocery store and restaurant purchases.
  • Capital One Walmart Rewards® Mastercard®: For regular Walmart shoppers who want to earn cash back at a high rate.
  • Capital One Platinum Secured: A secured credit card with no hidden fees.
  • Capital One Venture X Rewards Credit Card: A luxury credit card for frequent travelers to earn great travel rewards and enjoy premium travel benefits, like lounge access.
  • Capital One VentureOne Rewards for Good Credit: For travelers with good credit scores looking to earn miles on Capital One Travel purchases.
  • Capital One Quicksilver Cash Rewards Credit Card for Good Credit: For people with good credit scores to earn cash back on every purchase.
  • Capital One Savor Rewards: For people looking to earn cash back on dining and entertainment services.
  • Capital One SavorOne Cash Rewards Credit Card: The best option for earning cash back on dining and entertainment services with no annual fee.
  • Capital One SavorOne Cash Rewards Credit Card for Good Credit: For people with good credit scores to earn cash back on dining and entertainment with no annual fee.
  • Capital One SavorOne Cash Rewards Credit Card for Students: For students to earn cash back on dining, entertainment services and grocery store purchases.
  • Capital One Quicksilver Cash Rewards Credit Card for Students: For students looking to earn cash back on every type of purchase.
  • Capital One Quicksilver Secured Cash Rewards Credit Card: A secured card with unlimited cash back on every type of purchase.
More: Read Our Full Review of Capital One SavorOne Cash Rewards Credit Card
More: Read Our Full Review of Capital One Platinum Credit Card
More: Read Our Full Review of Capital One Spark Cash Select - $500 Cash Bonus

Rules for Applying, Acceptance & Welcome Bonuses

If you want to have better odds of approval for different Capital One cards, it’s best to consider the application rules, welcome bonus requirements and other details before applying.

What is the accepted credit score range for most cards?
How many Capital One cards can you own?
How many times can you apply?
How many times can you get approved?
How many times can you claim a welcome bonus?

Other Considerations About Capital One

MoneyGeek analyzed the following factors that you should consider before choosing a credit card from Capital One to help you make a better decision:

Feature
Description

Customer Service & Satisfaction

Since you must contact a Capital One customer service representative for any issue with your credit card, it’s important to consider its customer service reputation.

A J.D. Power report shows that Capital One ranks third in customer satisfaction among national issuers, scoring 815.

Capital One offers a dedicated support channel for credit cards. You can contact customer service representatives through phone, mail or chat with Eno, Capital One’s digital assistant.

Mobile Apps & Online Services

Capital One’s mobile app is available on the Google Play Store and Apple’s App Store. It lets you manage your account and offers features like card lock and rewards redemption.

A 2021 J.D. Power survey shows that Capital One ranks third-highest for mobile app satisfaction, scoring 864.

Security & Credit Monitoring Services

Capital One offers CreditWise, allowing you to monitor your credit information and get alerts to changes without hurting your score. To protect you from online fraud, Capital One has security features like secure login, virtual card numbers, the ability to lock your card to prevent purchases and real-time alerts for suspicious transactions.

Loyalty Programs & Other Issuer Perks

With many Capital One cards, you can earn rewards on purchases. You can then redeem these rewards for anything you like by signing into your account online or using Capital One’s mobile banking app.

The rewards you earn with your card do not expire as long as your account stays active.

Authorized Users

Capital One does not charge a fee for adding an authorized user to your account. After adding an authorized user, you can earn rewards on every purchase they make.

Overall Opinion of Capital One & Their Credit Card Offerings

Since Capital One offers credit cards for students, people who want to earn rewards or cash back, business owners and travelers, it’s a great option for anyone. You can earn great rewards on daily purchases, even with fair credit. Capital One also offers rewards for individuals looking to rebuild their credit score. With all these features, Capital One cards are a good option if:

    rewards icon

    You want to earn rewards for everyday shopping and at different brands

    Capital One offers many co-branded cards: Cabela’s, West Elm, Pottery Barn, Walmart, and more.

    teen icon

    You want to enjoy a hefty welcome bonus and multiple redemption options

    Almost all Capital One cards offer great welcome bonuses and rewards, which you can redeem for cash, gift cards, to cover a purchase or in other ways.

mglogo icon
EXPERT OPINION

"Capital One offers a variety of cards that fit the lifestyle of a consumer or small business owner. You can grow with Capital One to receive more appealing cards as your credit and finances improve."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

While different Capital One cards offer great offers and rewards, you can also look over the best rewards credit cards.

>>MORE: EVERYTHING YOU NEED TO KNOW ABOUT CAPITAL ONE BALANCE TRANSFERS

Learn More About Credit Cards in General

About Saad Imran

Saad Imran headshot

Saad Imran is a freelance writer. He has experience writing for a leading insurance consulting firm in the U.S. and has a vast knowledge of the U.S. financial industry.

    sources
    *Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
    Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
    Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.
    Insurance
    Mortgage
    Credit Cards
    Loans
    About MoneyGeekPressPrivacy PolicySitemap
    Copyright © 2024 MoneyGeek.com. All Rights Reserved Terms of Use