Posted by Capital One issues a lot of credit cards to millions of its customers depending on the rewards preferences and credit history. In this post, we will be focusing on the five “best” Capital One Credit Cards for those with good credit, bad credit histories and those with limited credit histories and possibly highlight those who may be eligible or qualify for one of the “best” cards that will be described below.
Capital One SavorOne Rewards Card – This credit card is one of Capital One favorite credit cards. The Capital One credit card is mostly for entertainers. You get rewards from this credit card when you make entertainment purchases with 3% cash back on eating out and when you engage in other entertainment activities like movies, sporting events, concerts and many more. This credit card has so many benefits which include cardholder earning a bonus of $150 when you make purchases of $500 worth or more within the first 3 months of opening the credit card account. No annual fee and you stand the chance to get a 2% rebate on purchases at grocery store and 1% rebate on any other purchases made with the card.
Capital One Quicksilver – this Capital One credit Card was inventive when it was newly introduced but in the recent times, there are other lots of cash back credit cards today that offers good flat-rate better than 1.5%. However, this is credit card is regarded as a Cash back credit card that offers a flat 1.5% rebate on every purchases. No annual fee and you stand to earn a bonus of $150 when you make purchases of $500 or more with the card within the first 3 months of opening an account.
Capital One Savor Rewards – This is the second Capital One Savor Credit card with $95 annual fee. For the first year of opening your account, the $95 annual fee is waived. This credit card comes with a slightly more benefits when it comes to rewards than the $0 annual fee SavorOne Rewards card. The Capital One Savor Rewards offers higher bonuses within the first 90 days of opening your account. Cardholders get a bonus of $500 when they make purchases worth of $3,000 with the card. You also get 4% cash back on dining entertainment, 2% cash back at grocery stores and 1% cash back on every other purchase.
Capital One VentureOne Card – This Capital One credit card offers you 1.25% cash back just like cash-back credit cards with the same range. One every dollar spent on purchases, you earn 1.25 “miles” plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel. If you make purchases worth $1,000 or more within the first 90 days of opening the account, you stand the chance to earn a bonus of 20,000-miles. Although this card has its benefits especially its $0 annual fee but Capital One ranks this credit card as the worst of the “good credit history” cards and you shouldn’t expect to get a significantly more value from this card especially when you transfer rewards points earned to other Capital One’s airline partners for redemption. However, there are other rewards cards with no annual fee you can get that are better than this card.
Capital One Venture Rewards – this is regarded as Capital One travel credit card. As a cardholder, you stand to earn 60,000 bonus miles once you make purchases of $3,000 within the first 90 days of opening account. The credit card comes with an Annual fee of $95. On every dollar spent on any purchase using this card earns you an unlimited 2 miles per dollar. Using this credit card requires you to spend more to enjoy big bonus on the platform. With the miles earned on this card, you can book a trip through Capital One Travel or use the miles to get reimbursed for past travel purchases made elsewhere.
Other Capital One Credit Cards for Bad Credit History or Limited Credit History
- Capital One QuiksilverOne Card – this Capital One credit card offers the same 1.5% cash back rate just like the Quicksilver card mentioned above. Cardholders do not get bonus but has a $39 annual fee, you can qualify for this card even if your credit score is a bit too low.
- Capital One Platinum Credit card – This credit card is majorly for those with lower credit scores who have been finding it hard to get other unsecured credit card. This is a $0 annual fee credit card but has a high rate of 22.97% at best and you could get approval at a higher rate of 26.97%. This credit card has no reward.
- Capital One Secured Card – If you want to build or rebuild credit history, then Secured credit cards will be the best option. This type of credit card requires a refundable security deposit but can be used like other credit cards. When you pay your bills on time, it can raise your credit score and make you eligible for other better cards on the list. This card has no annual fee with a $49, $99 or $200 minimum refundable security deposit and has a 26.99% variable APR. Keep in mind that you will get your security back if you stop using the card provided you have paid all your bills.
- Capital One Journey Student Credit Card – this is a student credit card and you can get approval even with no credit history and little income. This card has no annual fee and you stand the chance to earn 1.25% cash back every month once you are able to pay on time. Plus, you earn 1% cash back on all your purchases. You also enjoy $60 streaming subscription credit. In other words, you will earn per month for 12 months on select streaming subscriptions when you pay on time.