Capital One offers a variety of unsecured credit cards, each with its own rewards and benefits. Here are a few of the best, depending on your spending habits and financial goals:
Overall:
- Capital One Venture Rewards Credit Card: This card earns unlimited 2 miles per dollar on all purchases, which can be redeemed for travel, statement credits, or transferred to travel partners. It also comes with a $100 annual travel credit, airport lounge access, and no foreign transaction fees.
Rates & Fees:
- Capital One SavorOne Cash Rewards Credit Card: This card earns unlimited 4% cash back on dining and groceries, 2% cash back on gas and streaming services, and 1% cash back on all other purchases. There’s no annual fee, and you can redeem your cash back for statement credits or gift cards.
Big Spenders:
- Capital One Venture X Rewards Credit Card: This card earns unlimited 5 miles per dollar on all purchases, which can be redeemed for travel, statement credits, or transferred to travel partners. It also comes with a $300 annual travel credit, airport lounge access, and no foreign transaction fees.
Fair Credit:
- Capital One QuicksilverOne Cash Rewards Credit Card: This card is a good option for people with fair credit who want to earn cash back. It earns unlimited 1.5% cash back on all purchases, and there’s no annual fee.
Ultimately, the best Capital One unsecured credit card for you will depend on your individual needs and spending habits. Consider factors such as:
- Rewards: What type of rewards are you most interested in? Cash back, travel miles, or something else?
- Fees: Is there an annual fee? Are there any foreign transaction fees?
- Interest rate: What is the APR on the card?
- Credit score: Do you have good, fair, or bad credit?
I recommend using a credit card comparison tool to compare different Capital One cards and see which one offers the best value for you.
Here are a few other Capital One unsecured cards that you may want to consider:
- Capital One Spark Miles Select Business Card: This card earns unlimited 2 miles per dollar on all purchases, and it comes with a $300 annual travel credit.
- Capital One Quicksilver Cash Rewards Credit Card: This card earns unlimited 1.5% cash back on all purchases, and it has a low APR.
- Capital One Platinum Credit Card: This card is a good option for people with good or excellent credit who want a simple card with no annual fee.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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