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Capital One Platinum Credit Card
Capital One Platinum Credit Card
- 30.74% variable based on the Prime Rate Regular Purchase APR
- 30.74% variable based on the Prime Rate Balance Transfer APR
- 30.74% variable based on the Prime Rate Cash Advance APR
At a Glance
Anyone looking to build up their credit should consider the Capital One Platinum Credit Card, which grants cardholders with average credit access to a higher credit line after showing they’re responsible by making their first 5 monthly payments on time. The card’s interest rate encourages paying down one’s balance every month, creating the habits that will help users attain that better credit score they’re striving for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you wo't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Regular Purchase APR: 30.74% variable based on the Prime Rate
- Balance Transfer APR: 30.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 30.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: None
- You do not want to pay an annual fee
- You want to build up your credit quickly
- You enjoy the freedom and convenience of mobile banking
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
- 21.99% - 28.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 20.99% - 28.99% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 20.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Through the Capital One Venture Rewards Credit Card, you’ll be able to earn an unlimited 2X reward miles per dollar spent on every purchase, every day, meaning there aren’t any annoying categories to memorize to maximize your miles. New Venture cardholders are also entitled to a whopping 60,000 bonus miles after 60,000 miles after spending $3,000 in the first three months bonus offer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles wo't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Regular Purchase APR: 21.99% - 28.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 20.99% - 28.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 20.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You travel frequently and can take advantage of the card’s 2X reward miles earning potential
- You do not want to jump through hoops when it comes to categories that earn you bonus miles
- You want an extra 60,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening
- You have excellent credit
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Journey Student Rewards from Capital One card is a student credit card that offers individuals with average credit a straightforward 1% cash back on all purchases. Where the card stands out, though, is its ability to increase your cash back to 1.25% each month that you pay it off on time. With this card, it literally pays to be responsible.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Set up Autopay for your account and your payments will be made automatically every month
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stole
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Balance Transfer APR: 29.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- You have average credit (requires an existing credit history)
- You want to increase your credit score (even if you aren’t a student)
- You want access to free credit monitoring tools
- You plan on spending a semester abroad
- You can pay pay your balance in full each month
Capital One® Spark® Classic for Business
Capital One® Spark® Classic for Business
- 30.49% variable based on the Prime Rate Regular Purchase APR
- 30.49% variable based on the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
With 1% cash back for every purchase and no annual fee, the Spark® Classic from Capital One® credit card is a straightforward option that businesses can use to start building their credit. Free employee cards and numerous account management options are also beneficial features of the Spark® Classic from Capital One® for those with average credit that get approved.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone
- Free employee cards, which also earn unlimited 1% cash back on all purchases
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 30.49% variable based on the Prime Rate
- Balance Transfer APR: 30.49% variable based on the Prime Rate
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.4% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- You want to earn 1% cash back on all purchases, every day, without having to worry about complicated categories
- You have average credit and want to boost your rating by displaying responsible spending habits
- You do not want to pay annual fees or foreign transaction fees
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
- 19.99% - 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% - 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 15 months that your account is open Intro Purchase APR
At a Glance
The Capital One VentureOne Rewards Credit Card features unlimited 1.25 reward miles earned per dollar spent on every purchase, as well as a cardmember offer that can result in 40,000 miles being earned after spending $1,000 on purchases within the first 3 months from account opening. These miles can then can be redeemed as statement credits towards the cost of travel purchases made with the VentureOne card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Intro Purchase APR: 0% for the first 15 months that your account is open
- Regular Purchase APR: 19.99% - 29.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months after account opening date
- Balance Transfer APR: 19.99% - 29.99% 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: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- You can spend $1,000 on purchases within the first 3 months from opening an account to qualify for a signup bonus
- You're eager to earn an unlimited 1.25 miles per dollar on all purchases, every day
- You don’t care for annual fees or foreign transaction fees, as this card has none
You've viewed 5 of 34 credit cards
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 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.
Capital One Rewards Guide
Cards, like the Savor, SavorOne, Venture, or the no annual fee VentureOne, earn points in the Capital One Rewards Program. Here’s how to redeem Capital One Savor and Venture rewar
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 the following airline and hotel partners:
| AeroMexico (Club Premier) | British Airways (Executive Club) | EVA Air (Infinity Miles) |
| Air Canada (Aeroplan) | Emirates (Skywards) | Qantas Miles |
| Avianca (LifeMiles) | Etihad Guest | Singapore Airlines (KrisFlyer) |
| Air France/KLM (Flying Blue) | Finnair Plus | TAP (Miles&Go) |
| Cathay Pacific (Asia Miles) | ALL (Accor Live Limitless) | Choice Privileges |
| Turkish Airlines (Miles&Smiles) |
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FAQs About Capital One
Here are answers to common questions about Capital One:
Yes. Capital one Creditwise is the company’s free credit score monitor. The tool allows users to check their credit score and use their unique Creditwise Simulator to see how specific actions can improve – or drop – their credit score.
Yes. While Cap1 credit cards were originally for building credit, today, Capital one provides a range of exceptional and rewarding credit cards for people with good or excellent credit scores. The company still offers cards for rebuilding credit, however, especially their Capital one Platinum Mastercard and Secured Mastercard.
Should you need a new credit card, or If your account was closed do to fraudulent activity, call Capital One customer service at 1-866-464- 7761.. Capital One can usually get cardholders a new credit card in 7-10 days, though expedited shipping may also be available.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.