Capital One Credit Card Reviews, Rules & Opinions

Capital One offers credit cards that appeal to many different types of consumers. MoneyGeek analyzed the best Capital One credit cards, their benefits and application process, to help you choose.

Last Updated: 6/7/2022
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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.

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.

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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 Select: For business owners looking to earn bonus miles on business purchases.
  • Capital One Spark Classic: For business owners looking to build credit and earn cash back on everyday purchases.
  • Capital One Spark Cash Select - Good Credit: For business owners with a good credit score looking to earn cash back on business purchases.
  • Capital One Spark Cash Select - 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 Visa: 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 VentureX Rewards: 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 Rewards 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 Rewards: The best option for earning cash back on dining and entertainment services with no annual fee.
  • Capital One SavorOne Rewards for Good Credit: For people with good credit scores to earn cash back on dining and entertainment with no annual fee.
  • Capital One SavorOne Rewards for Students: For students to earn cash back on dining, entertainment services and grocery store purchases.
  • Capital One Quicksilver Rewards for Students: For students looking to earn cash back on every type of purchase.
  • Capital One Quicksilver Secured Rewards: A secured card with unlimited cash back on every type of purchase.

The Best Capital One Credit Cards for March 2022

MoneyGeek analyzed the welcome bonuses, offers and other promotions to uncover the best Capital One credit cards for January 2022 to help you find the option that fits your needs.


  • Capital One SavorOne Rewards

    A great no-annual-fee card that comes with rewards


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 3% Cash Back*Rewards Rate
    • 3xRewards Rate on Entertainment
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply


  • Capital One Platinum Mastercard

    A great card for fair credit with no annual fees


    • Limited-FairCredit Needed
    • $0Annual Fee
    • 3# of Reporting Bureaus
    • 26.99%APR


  • Capital One Spark Cash Select

    A great no-annual-fee business card with unlimited 1.5% cash back


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1.5% Cash BackRewards Rate
    • 1.5xRewards Rate on Gas
    • 1.5xRewards Rate on Groceries

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.

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.

  • Purchase Protection

    Many Capital One cards offer purchase protection, covering purchases for 90 days in case of damage or theft. The claim limit depends on which type of card you have.

  • Co-Branding & Partnerships

    Capital One has co-branded cards with the following companies:

    • Walmart
    • Pottery Barn
    • Williams Sonoma
    • West Elm
    • Cabela’s
    • Bass Pro Shops
  • Other Products Offered

    In addition to credit cards, Capital One offers personal checking and savings accounts, auto financing, business loans, business checking and savings accounts and much more.

    Capital One also offers other financial products like corporate credit cards, rewards programs and payment solutions that can help you streamline client experience and separate your personal liability from corporate liability.

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:

  • This is an 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.

  • This is an 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.

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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

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*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.
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