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Browse the Best Capital One Credit Cards

Capital One is a popular issuer for customers of all credit levels, and its travel rewards program is consistently among the best in the industry. In addition, the corporation does not charge foreign exchange fees for any of its cards. Browse credit cards below.

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Showing 23 Cards

Date Reviewed: January 13, 2020

Union Plus Cash Rewards

Union Plus Cash Rewards
  • Regular Purchase APR 12.9%, 18.9% or 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.9%, 18.9% or 22.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • Unlimited 1.5% cash back on all purchases
  • $0 fraud liability
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 12.9%, 18.9% or 22.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 12.9%, 18.9% or 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% for the first 12 months; None after that
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each Cash Advance, whichever is greate
  • Late Payment Penalty Fee: Up to $38

Date Reviewed: January 13, 2020

Union Plus Rate Advantage

Union Plus Rate Advantage
  • Regular Purchase APR 10.9%, 16.9% or 20.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.9%, 16.9% or 20.9% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 15 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases and balance transfers
  • $0 Fraud Liability if the card is lost or stolen
  • 24/7 U.S-based customer service
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months
  • Regular Purchase APR: 10.9%, 16.9% or 20.9% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months
  • Balance Transfer APR: 10.9%, 16.9% or 20.9% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the transaction amount for the first 15 months; None after that
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each Cash Advance, whichever is greater
  • Late Payment Penalty Fee: Up to $38

Date Reviewed: January 13, 2020

Union Plus Primary Access Card

Union Plus Primary Access Card
  • Regular Purchase APR 23.24% variable based on the Prime Rate
  • Balance Transfer APR 23.24% variable based on the Prime Rate
  • Cash Advance APR 23.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Access a higher credit line when you make your first 5 payments on time;
  • Credit limits between $300 and $5,000
  • $0 fraud liability
Rates & Fees
  • Regular Purchase APR: 23.24% variable based on the Prime Rate
  • Balance Transfer APR: 23.24% variable based on the Prime Rate
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each Cash Advance, whichever is greate
  • Late Payment Penalty Fee: Up to $38

Date Reviewed: September 25, 2019

Capital One® Walmart Rewards™ Card

Capital One® Walmart Rewards™ Card
  • Regular Purchase APR 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Unlimited 5% back at Walmart.com including Grocery Pickup and Delivery
  • Unlimited 2% back at Walmart stores and at Walmart and Murphy USA Fuel Stations
  • Unlimited 2% back at restaurants and on travel
  • Unlimited 1% back everywhere else Mastercard® is accepted
  • Points never expire
  • No annual fee
  • No foreign transaction fee
Rates & Fees
  • Regular Purchase APR: 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.99%, 23.24% or 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of each transfer at the promotional APR. None for balances transferred at the regular transfer APR
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39

Date Reviewed: June 28, 2019

GM Extended Family Card

GM Extended Family Card
  • Regular Purchase APR 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.9% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn 1% per $1 on purchases
  • Redeem your rewards for cash back in $50 increments or towards a new Chevrolet, Buick, GMC, or Cadillac purchase
  • No annual fee
  • No earning or redemption limits
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 24.9% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Penalty APR: 31.65% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $25

Date Reviewed: June 28, 2019

Bass Pro Shops® CLUB Card

Bass Pro Shops® CLUB Card
  • Regular Purchase APR 9.99% for purchases at Bass Pro Shops and Cabela's. For other purchases, 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Get $25 in CLUB Points upon approval
  • Earn an extra $25 in Points by making five purchases within 30 days of account approval
  • 2% back in CLUB Points on all Bass Pro Shops and Cabela's Purchases
  • 1% back in CLUB Points on other purchases
  • No annual fee
  • Special APR for all Bass Pro Shops purchases
Rates & Fees
  • Regular Purchase APR: 9.99% for purchases at Bass Pro Shops and Cabela's. For other purchases, 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount on transfers posted at a promotional APR. None for balances transferred at the standard APR
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $38

Date Reviewed: June 28, 2019

Cabela's CLUB® Card

Cabela's CLUB® Card
  • Regular Purchase APR 9.99% for purchases at Bass Pro Shops and Cabela's. For other purchases, 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Processing Network Mastercard
Best Benefits
  • Earn 2% back in CLUB Points on all purchases at Cabela's and Bass Pro Shops
  • Earn 1% back in CLUB Points on all other purchases where Mastercard is accepted
  • No annual fee
  • Earn points toward free gear and get access to member-only CLUB events
Rates & Fees
  • Regular Purchase APR: 9.99% for purchases at Bass Pro Shops and Cabela's. For other purchases, 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.24%, 18.24%, or 24.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount for transfers posted at a promotional APR. None for balances transferred at the standard APR
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $38

Date Reviewed: January 14, 2019

Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card
  • Regular Purchase APR 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 15 months from date of account opening
  • Processing Network Mastercard
Best Benefits
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases
  • Earn a one-time $150 cash bonus when you spend $500 within the first 3 months from account opening
  • 0% intro APR on purchases and balance transfers for the first 15 months after account opening
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months from date of account opening
  • Regular Purchase APR: 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months from date of account opening
  • Balance Transfer APR: 15.49%, 21.49% or 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer posted during the first 15 months from account opening. None for transfers that post thereafter
  • Cash Advance APR: 25.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
  • Late Payment Penalty Fee: Up to $39

Date Reviewed: August 31, 2018

BuyPower Business Card™

BuyPower Business Card™
  • Regular Purchase APR 16.99% variable based on the Prime Rate
  • Cash Advance APR 24.9% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 12 months from account opening
  • Processing Network Mastercard
Best Benefits
  • Spend $5,000 within 3 months for $500 in bonus earnings
  • Spend $50,000 within 6 months for an additional $1,500 bonus earnings
  • 5% back GM parts, accessories and service at authorized GM Dealers
  • 3% back at gas stations, restaurants and office supply stores
  • 1% back on all other purchases
  • Add employee cards at no cost
  • No limit on earnings, points never expire
  • No annual fee or foreign transaction fee
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months from account opening
  • Regular Purchase APR: 16.99% variable based on the Prime Rate
  • Cash Advance APR: 24.9% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $25

Date Reviewed: August 31, 2018

Capital One® VentureOne® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card
  • Regular Purchase APR 15.49%, 21.49% or 25.49%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49%, 21.49% or 25.49%, variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for the first 12 months that your account is open
  • Processing Network Visa
Best Benefits
  • Earn 20,000 bonus miles after spending $1,000 within the first 3 months
  • Unlimited 1.25X miles per dollar on every purchase
  • Transfer miles to 15 available airline partners
  • No foreign transaction fees
  • 5X miles per dollar when you book car rentals and hotel stays through Capital One Travel
Rates & Fees
  • Intro Purchase APR: 0% for the first 12 months that your account is open
  • Regular Purchase APR: 15.49%, 21.49% or 25.49%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.49%, 21.49% or 25.49%, variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts at a promotional APR. None for balances transferred at the Transfer APR
  • Cash Advance APR: 25.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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Capital One Credit Cards

Capital One is a leading bank and credit card issuer, with over 62 million credit cards currently in circulation. Capital One is a unique issuer in that they offer credit card products to fit nearly every credit profile. This includes those with no credit history, poor credit, and students, all the way to those with the vest best credit scores possible.

Benefits of Capital One Cards

Capital One offers a variety of unique benefits for its credit cardholders. These include:

  • No Foreign Transaction Fees: Like Discover, Capital One does not charge foreign transaction fees on any of their credit card products. This means that cardholders save up to 3% on purchases abroad versus cards that do charge a fee. If you frequently spend money outside of the United States (even online), a card with no foreign transaction fees is a great benefit.
  • CreditWise: All Capital One Cards come with free access to CreditWise. CreditWise is the bank’s credit score monitoring and advice app.
  • Eno: Cardholders also have access to Capital One’s virtual assistant, Eno. Eno monitors charges, tracks spending, and issues fraud alerts should there be unusual activity on the cardholder’s account.

Capital One cards also come with the usual perks and protections you expect from both Mastercard and Visa. These include:

  • Travel accident insurance
  • Auto rental collision damage waiver
  • Zero fraud liability
  • 24/7 customer assistance

What to Look for When Choosing a Capital One Card

Finding your perfect Capital One Card can be tricky. Picking the best card requires carefully looking at every aspect of the card and comparing them to other credit card offers. Here are a few things to pay attention to:

  • Annual Fee: Does the card charge an annual fee? Rewards cards – especially travel rewards cards (like the Venture Rewards credit card) – sometimes come with annual fees. Before applying for a card that charges a yearly fee, make sure you’ll get enough value from the perks, credits, and benefits to justify that cost.
  • APR: Always check the interest rates before applying. The better your credit score, the better the rate you can expect. Also, does the card provide a 0% intro APR period?
  • Rewards: If you are considering a rewards card, what type of awards does it offer? Pay close attention to how you’ll earn reward points. Are there particular categories that earn additional points? How long are points good for?

One of the most important considerations when selecting a card from Capital One is what benefits suit you best.

What’s the Best Capital One Card for Me?

Capital One offers a variety of credit cards to suit every need and budget:

  • Rebuilding Credit: For those looking to boost their credit score, the Capital One Platinum Credit Card is a great option. The card is available as both an unsecured – and secured (the Capital One Secured Mastercard)– credit card, meaning it is available for even those with no credit history at all.
  • The Gourmand: Foodies will find exceptional value from the Capital One Savor Cash back card. That’s’ because the card earns 4% back on dining – one of the best reward rates on dining and entertainment available today.
  • The World Traveler: The Capital One Venture Rewards offers 5X miles on travel purchases through the Capital one portal, plus 50,000 bonus miles for meeting a minimum spend.
  • The Business: The Capital One Spark Cash for Business lets companies quickly rack up cash back with every purchase. The Spark Miles for Business s great for companies that travel frequently.

Capital One Rewards Guide

Cards, like the Venture or the no annual fee VentureOne, earn points in the Capital One Rewards Program.

Capital One Rewards Point Valuation

Like other loyalty programs, Capital One Rewards point valuations vary considerably. Redeeming points for cash back or merchandise through the portal, for instance, offers a much lower estimate than using points with travel partners or booking flights through Capital One.

The current top value of Capital one Rewards points is approximately 1.4 cents/pt.(the rate for booking flights with select partners). The current average value for Capital One Rewards points is one cent per point.

How to Earn Capital One Rewards

Cardholders can earn Capital One Rewards points when making qualifying purchases with select Capital One credit cards. This includes extra points on qualifying categories. The bank also offers signup bonuses on some cards, such as the 50,000 point bonus with the Venture Rewards Card. Other options for earning points include referral bonuses, earning extra points through limited-time offers, or making purchases with select partners through the Capital On portal.

How to Redeem Capital One Rewards

One of the great features of the Capital One Rewards program is the flexibility it offers. Cardholders can use their points towards a variety of award options, including cash back, shopping (including using points with Amazon), and travel through the Capital One travel portal.

Capital One Transfer Partners

Capital One points transfer to 15 partners. These partners are:

  • Aeromexico
  • Air Canada
  • Air France/ KLM
  • Alitalia
  • Avianca
  • Cathay Pacific
  • Emirates
  • Etihad
  • EVA Air
  • Finnair
  • Hainan
  • JetBlue
  • Qantas
  • Qatar Airlines
  • Singapore Airlines

Browse the Best Capital One Credit Cards of 2020

Trying to find your ideal Capital One Card? BestCards.com has over 800 comprehensive and impartial reviews designed to help you find the perfect card for you.

We have offers from leading credit card issuers – big and small – from across the United States. Browse reviews from our experts, learn using our helpful news and advice resources, and compare offers using our card comparison tool.