Capital One Credit Cards

By updated on April 18, 2014

If a Capital One credit card is not in your wallet, here's your chance to change that and learn about some of the best capital one credit cards available.  Capital One is a diversified financial services company offering a broad array of credit cards, savings and loan products in the US, UK, and Canada. They also have retail branch locations. Capital One offers credit cards for people with excellent and good credit, students, those looking to rebuild credit and small business credit cards. Some cards offer reward points, miles and even cash back.

Other than those great Viking commercials, why should I choose a Capital One credit card?

If you're searching for the best credit card to fit your finances, chances are you can find what you are looking for from Capital One. Capital One credit cards come in all varieties, whether you have a limited credit history or excellent credit; if you're a student or a small business owner; if you want to take advantage of zero introductory APR credit cards to pay off credit card debt, or if you want to earn rewards points for using credit cards for everyday purchases.

The Capital One commercials sustain one of the most recognized brands in America, but Capital One is also one of the country's top 10 biggest banks (based on deposits) and is a Fortune 500 company with a solid reputation. CEO Richard Fairbank founded the company in 1988 and the company today has more than 45 million customer accounts.

In 2011, Capital One made news by acquiring the credit card division of HSBC Bank, and has acquired ING Direct. These acquisitions make this financial institution the fifth largest in the U.S. in terms of deposits.

What are my options for Capital One credit cards?

You can choose from more than a dozen Capital One credit cards. There are options for people with excellent, good, average and limited credit and those who are working to rebuild their credit. Capital One offers cards with rewards program with miles, points or cash back on every day credit card purchases and a no-frills card.

Does Capital One have credit cards for small businesses?

Yes, Capital One offers small business credit cards with a variety of rewards programs geared specifically for businesses.

So, research the choices below, and compare them to other card issuers.  Known for their excellent rewards programs, it's easy to see why so many people find themselves answering "Capital One" when asked to show what's in their wallet.

What is the standard Annual Percentage Rate (APR) on a Capital One credit card?

The APR depends on the individual credit card. The APR is just one thing to consider when comparing cards--annual fees, rewards and additional benefits can make a difference in the best credit card for you.

Does Capital One charge an annual fee?

Some Capital One credit cards have annual fees and some don't. For example, the Capital One® Venture® Rewards Credit Card has a $0 introductory annual fee for first year; $59 after that. If you're looking for a Capital One card without an annual fee, typically you need to have excellent credit (a FICO score in the 730-850 range).

What's the best way to apply for a Capital One credit card?

Once you've found the Capital One credit card that best fits your needs, read the review and terms and conditions and apply for a Capital One credit card online.

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Capital One® VentureOne® Rewards Credit Card

Editor's Rating

  • Earn unlimited 1.25 miles on every purchase, every day
  • No annual fee
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
Apply Now Credit Needed Good

Purchase Intro

APR: 0% intro on purchases

Period: until April 2015

Purchase APR

11.9% - 19.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 

Capital One® Quicksilver® Cash Rewards Credit Card

Editor's Rating

  • One-time $100 bonus after you spend $500 on purchases within the first 3 months
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
Apply Now Credit Needed Good

Purchase Intro

APR: 0% intro on purchases

Period: until January 2015

Purchase APR

12.9% - 22.9% (V) 

Balance Transfer Intro APR

0% intro on balance transfers

Balance Transfer Intro Period

until January 2015

Annual Fee

$0 

Capital One® Venture® Rewards Credit Card

Editor's Rating

  • Earn unlimited 2X miles on every purchase, every day
  • Enjoy a one-time bonus of 20,000 miles once you spend $2,000 on purchases within the first 3 months, equal to $200 in travel
  • Fly any airline, stay at any hotel, anytime
Apply Now Credit Needed Good

Purchase Intro

APR: N/A

Purchase APR

13.9% - 20.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 intro for first year; $59 after that 

Capital One® Platinum Prestige Credit Card

Editor's Rating

  • Transfer a balance for 0% intro APR until July 2015
  • Get 0% intro APR on all purchases until July 2015
  • Enjoy no annual fee
Apply Now Credit Needed Good

Purchase Intro

APR: 0% intro on purchases

Period: until July 2015

Purchase APR

10.9% - 18.9% (V) 

Balance Transfer Intro APR

0% intro on balance transfers

Balance Transfer Intro Period

until July 2015

Annual Fee

$0 

Capital One® Spark® Cash for Business

Editor's Rating

  • Earn 2% cash back on every purchase, every day
  • Get a $250 cash bonus--just spend $5,000 on purchases within the first 3 months
  • Receive a $50 cash bonus by signing up for one or more employee cards
Apply Now Credit Needed Good

Purchase Intro

APR: N/A

Purchase APR

13.9% - 20.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 intro for first year; $59 after that 

Capital One® Spark® Miles for Business

Editor's Rating

  • Earn 2 miles per dollar on every purchase, every day
  • Get 25,000 bonus miles--just spend $5,000 on purchases within the first 3 months
  • Receive 5,000 bonus miles by signing up for one or more employee cards
Apply Now Credit Needed Good

Purchase Intro

APR: N/A

Purchase APR

13.9% - 20.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 intro for first year; $59 after that 

Capital One® Spark® Miles Select for Business

Editor's Rating

  • Earn 1.5 miles per dollar on every purchase, every day
  • Plus, a one-time bonus of 10,000 miles once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until October 2014
Apply Now Credit Needed Good

Purchase Intro

APR: 0% on purchases

Period: until October 2014

Purchase APR

12.9% - 20.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 

Capital One® Spark® Cash Select for Business

Editor's Rating

  • Earn 1.5% cash back on every purchase, every day
  • Plus, a one-time $100 bonus once you spend $3,000 on purchases within the first 3 months
  • Save with 0% intro APR on all purchases until October 2014
Apply Now Credit Needed Good

Purchase Intro

APR: 0% on purchases

Period: until October 2014

Purchase APR

12.9% - 20.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 

Capital One® Classic Platinum Credit Card

Editor's Rating

  • 0% intro APR on purchases until January 2015
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
Apply Now Credit Needed Average/Fair

Purchase Intro

APR: 0% intro on purchases

Period: until January 2015

Purchase APR

22.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$39 

Capital One® SparkSM Classic for Business

Editor's Rating

  • Enjoy no annual fee
  • Build business credit with responsible use with eligibility for an automatic credit line increase
  • Earn 1% cash back on every purchase, every day
Apply Now Credit Needed Average/Fair

Purchase Intro

APR: N/A

Purchase APR

22.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 

Capital One® QuicksilverOneSM Cash Rewards Credit Card

Editor's Rating

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
Apply Now Credit Needed Average/Fair

Purchase Intro

APR: 0% intro on purchases

Period: until January 2015

Purchase APR

22.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$39 

Capital One® Spark® Select for Business

Editor's Rating

  • Save with our lowest intro APR on all purchases until January 2015
  • Enjoy no annual fee
  • Build business credit with responsible use
Apply Now Credit Needed Good

Purchase Intro

APR: 0% on purchases

Period: until January 2015

Purchase APR

10.9% - 18.9% (V) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

$0 

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.