Capital One Quicksilver Cash Rewards credit card

Capital One has a wide selection of credit cards to suit your spending habits and credit history, including those that offer travel and cash-back rewards. In some instances, Capital One credit cards even offer exclusive access to VIP events. There are also cards that help you build your credit and ones with 0% introductory APR offers, making it easy for you to pay down your debt with balance transfers.

If you’re not sure which card is best suited for your needs, here’s what you need to know about the best Capital One credit cards.


The best Capital One credit cards of 2020

There is no right or wrong feature of a credit card for you. It all depends on your credit score and your financial goals. Capital One offers a variety of options — from secured credit cards all the way to ones that offer cash-back or travel rewards. It also depends on whether you’re willing to stomach annual fees in order to get the best features and rewards.

Here are a few of Capital One’s offerings:

What is the best Capital One card?

It’s really hard to say that there is one best credit card for everyone. Getting the right Capital One credit card for your needs will depend on factors such as your credit score, spending habits, the types of rewards you want to earn and overall preferences (like if you don’t want to pay an annual fee).

If you’re interested in earning cash-back rewards but don’t have the best credit score, you can consider the Capital One QuicksilverOne card. It offers unlimited 1.5% cash back on all purchases, but you won’t earn the bonus that the Quicksilver Cash Rewards offers because you need excellent credit to qualify for that card.

How you use your credit card should also be taken into consideration when choosing the best credit card for you. For example, if you like to spend at restaurants, the Capital One Savor card is an excellent choice as you earn 4% unlimited cash back on dining and entertainment. If you hate annual fees, then the Capital One SavorOne card is also a good choice for you.

Weigh all the features and benefits of each card you want to consider before biting the bullet.

CardAnnual FeeBonusAPRRewards
Capital One Savor® Card$0 intro for first year; $95 after that$50015.99% - 24.99% (Variable)Cash back
Capital One SavorOne® Card$0$15016.49% - 26.49% (Variable)Cash back
Capital One Venture® Rewards Card$9550,000 miles17.49% - 25.49% (Variable)Travel rewards
Capital One VentureOne®$020,000 miles16.49% - 26.49% (Variable)Travel rewards
Capital One QuicksilverOne$39$026.99% (Variable)Cash back
Capital One Quicksilver® Cash Rewards Credit Card$0$15016.49% - 26.49% (Variable)Cash back
Capital One Platinum Credit Card$0none26.99% VariableN/A
Capital One Secured Mastercard$0None26.99% (Variable)N/A
Journey® Student Rewards$0$026.99% (Variable)Cash back

What is the easiest credit card to be approved for?

That really depends on your credit history. Of course, the higher your credit score, the higher the chances you’ll have of getting a credit card application approved.

If you need to rebuild your credit, the Capital One Secured Mastercard is your best bet. Otherwise, if you have average credit, consider the QuicksilverOne Rewards, Platinum or Journey Student Rewards Card.

Does Capital One have a Visa card?

Some of Capital One’s credit cards are on the Visa network. This includes the Venture Rewards credit card and the Quicksilver Cash Rewards credit card. Other cards are on the Mastercard network, such as the Capital One Secured Mastercard and the Capital One QuicksilverOne Cash Rewards credit card. 

What is Capital One’s credit card phone number?

Phone numbers differ depending on what you want to contact Capital One for.

Here are their numbers:

  • Customer service (for existing customers): 1-800-227-4825
  • Customer service outside the U.S. (call collect): 1-804-934-2001
  • Fraud protection: 1-800-427-9428 or 1-800-239-7054

What is Capital One 360?

Capital One 360 has nothing to do with their credit cards — it’s Capital One’s line of banking products. These include checking, savings and money market accounts. The bank aims to create a seamless customer service experience alongside some of the best interest rates out there. Their accounts also don’t charge monthly fees.

What are some services Capital One provides?

Capital One credit cards have different offerings so it really depends on which card you get. For example the Capital One Savor Card gives you VIP access to sporting events, concerts and premier culinary experiences.

Here are some common features you may get with all Capital One credit cards:

  • Security and account alerts
  • Fraud coverage
  • Extended warranty services
  • No foreign transaction fees
  • 24/7 travel assistance
  • Travel accident insurance 
  • Auto rental collision damage waiver

What Are Some Capital One Offers?

Capital One credit cards offers some pretty good sign-up bonuses depending on the type of card you get. You can either get cash back or reward miles bonuses.

Here are some of the top ones:

Of course, what you can qualify for will depend on your credit history.

What are the types of Capital One credit cards?

There are several types of Capital One credit cards:

  • Cash back: Earn cash back rewards when you make purchases. Some will have higher cash-back percentages depending on the category
  • Rewards: Earn miles which you can redeem for travel, merchandise or credit statements
  • Fair credit cards: Capital One offers cards to help you rebuild your credit. Depending on your score, you may need to go for the secured card, meaning you’ll need to put a security deposit in order to qualify. These cards typically don’t have cash back or travel rewards.

Capital One also offers both Visa and Mastercard. If you don’t have a preference, both these card networks are widely accepted at retailers worldwide.

How do I get Capital One to activate my card?

There are two options to activate your Capital One credit card: by phone or online.

To activate a Capital One credit card online, you can register or log into your existing Capital One account online and find the settings to active your credit card. Otherwise, you can head to and go through the prompts, which include entering the card number and three-digit security code.

To activate your Capital One credit card over the phone, call customer service at 1-800-227-4825 and follow the prompts.

How do you check for Capital One pre-approval?

If you’re not sure which Capital One card you can qualify for, go to Capital One’s website and go through the pre-approval process. Fill out their pre-approval form online by entering personal information such as your name, address and Social Security number. You can also indicate any card benefits you prefer. 

Capital One then does a soft inquiry, which doesn’t impact your credit score. You’ll be able to know which cards you may be able to qualify for, though it doesn’t guarantee you’ll get your application approved.

Is there a Capital One foreign transaction fee?

The good news is that Capital One cards do not charge a foreign transaction fee. That’s good news if you’re a frequent traveler, since other credit card issuers change anywhere from 1% to 3% of the purchase amount.


Best Capital One Card Details

Capital One QuicksilverOne

Annual Fee: $39

APR: 26.99% (Variable)

Bonus: $0

Pro: Earn 1.5% cash back on all purchases

Con: You need to pay an annual fee 

Read full Capital One QuicksilverOne details here.

Capital One Platinum Credit Card

Capital One Platinum Card

Annual Fee: $0

APR: 26.99% Variable

Bonus: none

Pro: Qualify for access to a higher credit line after you make five on-time monthly payments 

Con: No rewards

Read full Capital One Platinum details here.

Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards credit card

Annual Fee: $0

APR: 16.49% - 26.49% (Variable)

Bonus: $150

Pro: Earn 1.5% unlimited cash back on all purchases

Con: Low earnings compared to other cash-back cards

Read full Capital One Quicksilver Cash Rewards details here.

Capital One Savor Card

Capital One Savor

Capital One Savor

Annual Fee: $0 intro for first year; $95 after that

APR: 15.99% - 24.99% (Variable)

Bonus: $500

Pro: Earn unlimited 4% cash back on dining and entertainment

Con: Other rewards categories tend to be lower compared to other cash-back cards

Read full Capital One Savor details here.

Capital One SavorOne Card

Capital One SavorOne

Capital One SavorOne

Annual Fee: $0

APR: 16.49% - 26.49% (Variable)

Bonus: $150

Pro: Low introductory APR and no annual fee

Con: Better cash-back rewards elsewhere

Reach full Capital One SavorOne details here.

Capital One Secured Mastercard

Capital One® Secured Mastercard®

Capital One Secured Mastercard

Annual Fee: $0

APR: 26.99% (Variable)

Bonus: None

Security deposit: $49, $99 or $200 and you’ll get a $200 initial credit line

Pro: Ability to increase your credit limit after making five on-time payments

Con: Low initial credit limit

Read full Capital One Secured Mastercard details here.

Capital One Venture Rewards

Capital One Venture Rewards credit card

Annual Fee: $95

APR: 17.49% - 25.49% (Variable)

Bonus: 50,000 miles

Pro: Offers a simple rewards system and Global Entry or TSA Pre✓ credit 

Con: You need to pay an annual fee after the first year of account opening

Read full Capital One Venture Rewards details here.

Capital One VentureOne

Capital One Venture One

Capital One Venture One

Annual Fee: $0

APR: 16.49% - 26.49% (Variable)

Bonus: 20,000 miles

Pro: 1.25x miles per dollar on all purchases

Con: There are better earnings potential with other rewards cards

Read full Capital One VentureOne details here.

Journey Student Rewards

Journey® Student Rewards

Journey Student Rewards

Annual Fee: $0

APR: 26.99% (Variable)

Bonus: $0

Pro: Ability to earn cash back rewards even with average credit. Earn 1% cash back on all purchases, and up to 1.25% if you pay on time.

Con: High APR

Read full Journey Student Rewards details here.

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