2017 RANKING & REVIEWS
TOP RANKING BEST CAPITAL ONE CREDIT CARDS
Capital One Credit Cards for Every Consumer
Chances are that you’ve already seen the catchy commercials and business slogans associated with Capital One credit cards. It seems that there are new advertisements for different Capital One credit card benefits all the time, and they always have new Capital One credit card options appearing. How do you know which one is the best Capital One credit card?
Award Emblem: Top 6 Capital One Credit Cards
The reality is that there are so many choices for the best Capital One credit card that you have to decide which features are the most important to you. You need to ask yourself a few questions to help you decide:
- Do you prefer a cash back rewards program or travel miles?
- Is a business credit card a better fit for you than a personal credit card?
- How much can you afford to pay in Capital One credit card fees?
- What Capital One credit card promotions appeal to you the most?
Evaluating your honest answers to these questions will help to compare Capital One credit cards with more clarity regarding what you actually need or want in a new credit card.
If you’re ready to find out which of the Capital One credit cards is likely to be the best fit for you, take a closer look at our detailed ranking of the top Capital One credit cards below.
AdvisoryHQ’s List of the Top 6 Best Capital One Credit Cards
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- Journey® Student Credit Card
- Platinum Credit Card from Capital One
- Quicksilver® Rewards from Capital One
- Spark® Miles for Business Rewards Card
- Spark® Cash Select from Capital One
- VentureOne® from Capital One
Top 6 Best Capital One Credit Cards | Brief Comparison & Ranking
Credit Card Names
Type of Card
Journey® Student Credit Card
Platinum Credit Card from Capital One
Quicksilver® Rewards from Capital One
Spark® Miles for Business Rewards Card
None for first year, then $59
Spark® Cash Select from Capital One
VentureOne® from Capital One
What Are the Capital One Credit Card Benefits?
With so many different credit cards vying for your attention, how do you know if Capital One credit cards are the best fit for you? Knowing what the basic Capital One credit card benefits are can help you make the most educated decisions regarding whether any of these options is right for you.
When you compare Capital One credit cards, you’ll notice that they all come with a handful of cardholder benefits no matter which one you choose. Some of their basic features are just what you would expect – incredibly basic and inherent to most credit card choices from other lenders.
For example, you’ll enjoy online banking access from any computer, mobile, or tablet device, as well as 24/7 customer service support. You can even set up account alerts to help remind you of specific things, available to be sent through email or via text message.
When it comes to security, you’ll also find some standard Capital One credit card offers that are great to have, including:
- Fraud coverage and interactive alerts
- $0 fraud liability
- Security alerts, personalized to your account
- 24/7 account monitoring
Frequent travelers will also benefit from travel accident insurance, 24-hour travel assistance services, auto rental insurance, and no foreign transaction fees.
The Capital One credit card benefits may also be supplemented with additional programs, such as cash back rewards, travel rewards, and Visa Signature benefits (which we will cover in more detail in the reviews that pertain to cards that have these Capital One credit card benefits).
Consumers will also have access to their CreditWise program, which allows you to monitor your credit score closely and offers tools and advice for improving it. This is a worthy feature to mention, especially for those who are looking for a credit card that can help them polish their credit score.
AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best Capital One Credit Cards
Below, please find the detailed review of each credit card on our list of Capital One credit card offers. We have highlighted some of the factors that allowed these Capital One credit card options to score so highly in our selection ranking.
Journey® Student Credit Card Review
Unique among the Capital One credit card offers, the Journey® Student Credit Card is the best Capital One credit card for young adults who need to build their credit. They can enjoy rewards programs and other perks with low Capital One credit card fees.
Source: Journey® Student Credit Card
This Capital One credit card specifically designed for students is easy to manage, and it features rewards programs not often found for younger consumers or those with average credit. You earn 1% cash back on every purchase with a bonus incentive when you make your payments on time: those on-time payments can boost the cash back rewards to 1.25%!
Many student credit cards like Capital One are secured initially until there is a pattern of responsible payment. With the Journey® Student Credit Card, you have the potential for an unsecured card with a gradually increasing credit line over the first five months of responsible payments.
Of course, you also have a few features that are pretty in line with all Capital One credit cards, including access to CreditWise, no foreign transaction fees, fraud coverage, extended warranty, auto rental insurance, and 24-hour travel assistance.
Rates and Fees
The downside to this best Capital One credit card for students is that this Capital One credit card doesn’t have variable interest rates determined by your creditworthiness. As your score increases, the interest rate remains the same at 20.24% APR – equivalent to their cash advance rate as well.
Among Capital One credit card offers, the Journey® Student Credit Card is disadvantaged due to its lack of introductory offer. You will have this interest rate from the very first day you begin to use this Capital One credit card at the store.
This Capital One credit card offers no annual fee, making the savings and rewards program rather attractive.
Platinum Credit Card from Capital One Review
Consumers with fair credit or average credit will enjoy the ability to polish their credit score with this very basic yet advantageous Platinum Credit Card from Capital One. You get a few extra Capital One credit card benefits for a low yearly cost.
The Platinum Credit Card from Capital One offers all of the very basic Capital One credit card benefits with very few frills or extra advantages. For consumers searching for the best basic Capital One credit card to potentially improve fair to average credit, this should be a top consideration.
When your credit score is solidly average, this card gives you the ability to increase your credit limit over time – after you can demonstrate responsible spending and prompt payment over the first five months.
You do also have a handful of extra perks available through this card that are above and beyond the standard benefits available through all Capital One credit cards:
- Extended warranty protection
- Auto rental insurance
- Travel accident insurance
- 24-hour travel assistance services and roadside assistance
- Price protection
Rates and Fees
While there are no introductory Capital One credit card benefits that accompany the Platinum Credit Card, you’ll find their rates to be fairly competitive. Purchases and balance transfers are both subject to a 24.99% variable APR. It’s important to note that there is no balance transfer fee for switching to the Platinum Credit Card, making it an ideal choice for paying down debt.
The other primary benefit to the Platinum Credit Card when you compare credit cards like Capital One is the lack of annual fee. You receive all of the basic tools necessary to improve your credit score at no cost to you for the account opening.
Quicksilver® Rewards from Capital One Review
If you have stellar credit and want a simple rewards program with easy Capital One credit card promotions, this Quicksilver® Rewards from Capital One could be the best Capital One credit card for you.
If you know that you have excellent credit and want a cash rewards card that can cater to you, this Capital One credit card offers a flexible cash back program that’s easy for anyone to use. Automatically earn 1.5% cash back on every purchase with no limits and no need to track spending categories.
Even better, you can take advantage of the Capital One credit card offers that give you a $100 cash bonus when you spend your first $500 within three months of your account opening.
In addition to the standard features inherent to almost all Capital One credit cards, you gain Visa Signature benefits with the Quicksilver® Rewards from Capital One as well. These include items like:
- Travel upgrades and savings at hotels, resorts, and spas
- Complimentary concierge service and special access to events
- Shopping discounts
- Extended warranty
- 24-hour travel assistance services
Rates and Fees
The Quicksilver® Rewards from Capital One is one of the best Capital One credit card choices, in part because of its rewards program and because of its fees. You’ll enjoy a 0% introductory APR for the first nine months on purchases and balance transfers. Keep in mind that there is a 3% fee for balance transfers, though.
After this period, their Capital One credit card fees come standard with variable interest rates depending on your creditworthiness. They will range from 13.24% to 23.24% APR.
This Capital One bank credit card also comes with no annual fee, making those cash back rewards even more appealing.
Spark® Miles for Business Rewards Card Review
Businesses interested in using the best Capital One credit card to cut costs on their travel will want to sign right up for this Spark® Miles for Business Rewards Card. You’ll gain twice as many miles, a nice bonus, and low interest rates.
When you compare Capital One credit cards, it would be hard to forget about their vast selection of business rewards cards as well. On this travel rewards card specifically designed for businesses, you gain twice as many miles on each purchase with a few major perks. This Capital One credit card offers redemption with no blackout dates, seat restrictions, or minimum redemption amount.
Through their Capital One credit card promotions, you’ll gain 50,000 bonus miles (equivalent to $500) when you spend $4,500 in the first three months.
You also gain free employee cards (to help you get to the bonus faster) and Visa Business Benefits, like:
- Auto rental collision damage waiver
- Purchase security and extended protection
- Travel and emergency assistance services (including ticket replacement, legal and medical referrals, and more)
Rates and Fees
A large contributing factor that allows the Spark® Miles for Business Rewards Card to qualify as one of the best Capital One credit card options is its low interest rates. Businesses will pay just 17.24% APR. Unfortunately, these Spark® Miles for Business Rewards Capital One credit cards do not offer an introductory interest rate.
This Spark Business Miles Rewards Capital One bank credit card does, however, waive your annual fee during the first year. After this initial period, the Capital One credit card comes with a $59 annual fee.
Spark® Cash Select from Capital One Review
Like the idea of the Spark® Miles for Business Rewards card but know that your company doesn’t travel much? When you compare Capital One credit cards, you’ll find this Spark® Cash Select to be a top-rated alternative for a cash back program.
Source: Spark® Cash Select
For business owners who prefer to have the best Capital One credit card that offers cash back instead of travel rewards, the Spark® Cash Select has a generous rewards program. Similar to the Quicksilver® Rewards from Capital One but designed for businesses, you receive 1.5% unlimited cash back with no minimum redemption.
Keep a close eye on your spending in the first three months to see if you can take advantage of their Capital One credit card benefits. If you can spend $3,000, you will earn a one-time bonus of $200 cash.
Similar to the Spark® Cash Select, the Capital One credit card benefits do include free employee cards, no foreign transaction fees, and the Visa Business Benefits. You can enjoy some travel perks (such as the auto rental collision damage waiver and travel or emergency assistance services) with this cash back card.
Rates and Fees
It isn’t just the Capital One credit card benefits that make the Spark® Cash Select from Capital One a top choice for the best Capital One credit card. This Capital One credit card offers a 0% introductory APR during the first nine months, and low rates afterward (13.24% to 21.24% APR).
If you think that you or your employees will need to use it for cash advances, be prepared for a higher rate: 23.24% APR.
Unlike the Spark® Miles for Business Rewards card, you can enjoy the Capital One credit card benefits of the Spark® Cash Select with no annual fee ever. Many rewards credit cards like Capital One will have an annual fee, at least during the second year, but you can enjoy the benefits on this card with no fear of future costs.
VentureOne® from Capital One Review
Reap all the Capital One credit card benefits with this travel rewards card that is accompanied by low interest rates and no annual fee. The VentureOne® from Capital One is a great addition to the wallets of frequent fliers everywhere.
Source: VentureOne® from Capital One
When it comes to travel rewards card, this VentureOne® from Capital One is a great choice for those seeking a personal credit card. The Capital One credit card benefits include earning unlimited rewards for every purchase that you make. You earn 1.25 miles for each dollar spent, with 100 miles being equal to $1 in rewards.
Beyond the base rate, you also have the ability to earn 20,000 bonus miles from this Capital One bank credit card when you spend $1,000 in the first three months.
Unlike some credit cards like Capital One, you can redeem your miles via any website or app so you can choose the most cost-effective airline, hotel, or rental car. Those rewards are issued as a statement credit toward the cost, and they don’t even have an expiration date.
You will also receive all of the Visa Signature Benefits that help you save additional money on your travels (upgrades and savings, shopping discounts, extended warranties, and more).
Rates and Fees
Of all the top Capital One credit cards, the VentureOne® has the longest and best introductory offer. Enjoy 0% APR for the first twelve months of your account opening with low interest rates to follow. Based on your creditworthiness, you could qualify for rates ranging from 12.24% to 22.24% APR.
The most impressive Capital One credit cards are the ones that come with great rewards programs as well as no annual fee. Fortunately, this VentureOne® from Capital One falls directly into this category. You can reap the benefits without shelling out for them.
Conclusion—Top 6 Best Capital One Credit Cards
When you compare the Capital One credit cards available, you’ll notice that there are options to accommodate almost every consumer. The Capital One credit card options are a great starting point if you’ve been searching for a new piece of plastic to put in your wallet.
Decide which of the features is most important to you: travel rewards, cash back, or just a basic tool to help build your credit over the coming months or years. Whether you’re searching for a business card, student card, or personal card, all Capital One credit cards are accompanied by some of the best offers around.
Image Source: Capital One
There are Capital One credit card benefits and offers to match each and every one of your desires for your next credit card. Make the most of this ranking of our top six best Capital One credit cards to determine what your next steps should be.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
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