Capital One Credit Cards
Here is a summary of all the Capital One credit cards offered on our site. Our objective opinion is included on each card.
1. Capital One® Cash Rewards for Newcomers
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| Interest Rate: | 24.9% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Our Opinion: Created for consumers with average credit who are new to the US. New cardholders will earn 2% on travel-related purchases and 1% on all every other type of purchase. The card can also you build up your credit score because it reports your payment history to all three credit bureaus. There is no annual fee and no charge for foreign transactions. Benefits include $0 Dollar Fraud liability, 24-hour travel and roadside assistance, warranty protections, and even automatic car rental insurance for no additional charge.
2. Capital One® Classic Platinum Credit Card - Average
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| Interest Rate: | 17.9% - 22.9% (V)* |
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| Intro Rate: | 0% Intro on Purchases Until November 2012 |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | $39 |
Special Offers: 0% on Purchases until November 2012. See terms and conditions for complete details.
Our Opinion: The Capital One® Classic Platinum card is an excellent option for those with an average credit history (credit limit less than $5,000 on any card, late on more that one loan payment in the last six months). $39 annual fee Platinum benefits include emergency roadside assistance, extended warranties for purchases, and travel accident insurance. Therefore, those with an average credit history who would like to take advantage of the 0% introductory offer and the reasonable interest rate thereafter will benefit most from what the Capital One® Classic Platinum card has to offer.
3. Capital One® Secured MasterCard®
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| Interest Rate: | 22.9% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $3,000 |
| Annual Fee: | $29 |
Our Opinion: This credit card allows individuals with limited or no credit to enjoy the benefits and convenience of a credit card. This card automatically reports to the three major credit bureaus and build your credit when you use the card responsibly. Track you credit information and receive credit tools with free enrollment in CreditInform. You can even earn credit line increases based on your payment and credit history. This card requires a $200 minimum security deposit. Your credit line will be equal to your security deposit, and will range from $200 to $3,000. You can make your security deposit easily online or over the phone. The Capital One® Secured MasterCard® can be used everywhere that MasterCard is accepted. Therefore, if you have limited or no credit, but want the convenience of a credit card, this card may be the right choice for you.
4. Capital One® Cash
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| Interest Rate: | 12.9% - 20.9% (V) * |
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| Intro Rate: | 0% Intro on Purchases and Balance Transfers Until February 2013. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: 0% intro APR on purchases and balance transfers until February 2013. See terms and conditions for complete details.
Our Opinion: Good card if you have excellent credit and want a cash back rewards card. 1% cash back on all purchases. Get a 50% cash back bonus on all you earn each year. New account-holders earn a one-time $100 bonus. There is no fee for foreign transactions.
5. Capital One® Platinum Prestige Credit Card
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| Interest Rate: | 10.9% - 18.9% (V)* |
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| Intro Rate: | 0% Intro on Purchases and Balance Transfers Until May 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: 0% APR on Purchases and Balance Transfers Until May 2013.
Our Opinion: Created for those with excellent credit. No annual fee, low interest rate, and 0% APR on purchases and balance transfers. Benefits include warranties for purchases, auto rental insurance, and roadside assistance and travel accident insurance. No fee for international transactions. Good option for those who are transferring a balance from a higher rate. Click "Apply Now" to apply online or call 877-834-4206.
6. Capital One® Rewards No Hassle℠ Cash Credit Card - Average
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| Interest Rate: | 17.9% - 22.9% (V)* |
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| Intro Rate: | 0% Intro on Purchases Until November 2012 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | $39 |
Special Offers: A 0% introductory rate is available on purchases until November 2012. See terms and conditions for complete details.
Our Opinion: The Capital One® Rewards No Hassle℠ Cash Credit Card - Average is a credit card designed for those who have an average credit history and are looking to earn cash rewards. There is an introductory 0% APR on purchases that lasts until November 2012. Through the rewards program, cardholders earn 2% cash back on gas and groceries, and 1% cash back on all other purchases. There is no limit to the amount of cash back that can be earned, no expiration date, and no minimum required to redeem for cash. This card has an annual fee of $39 and a high interest rate for purchases and balance transfers. This card provides platinum benefits and services including roadside assistance, extended warranties for purchases, and travel accident insurance. Therefore, those who have an average credit history and want a cash back reward card will benefit most from what the Capital One® Rewards No Hassle℠ Cash Credit Card - Average has to offer.
7. Capital One® Platinum Credit Card
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| Interest Rate: | 24.9% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | $19 |
Our Opinion: The Capital One® Platinum Credit Card is designed for individuals with an average credit history who are interested in platinum benefits. The Capital One® Platinum Credit Card provides platinum benefits that are usually not available to individuals with limited or no credit history. These benefits include travel accident insurance, extended warranties for purchases, and roadside assistance. Cardholders also enjoy 24-hour travel and emergency assistance that gives replacement cards and cash advances. When individuals use this card to rent a car, they are automatically covered for collision, damage and loss. Therefore, those who have average credit and will take advantage of the additional services will benefit most from what the Capital One® Platinum Credit Card has to offer.
8. Capital One® Spark℠ Miles for Business
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| Interest Rate: | 13.9% (V)* |
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| Intro Rate: | No introductory rate available. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | $59 |
Special Offers: No introductory rate available.
Our Opinion: Earn 2X miles on every purchase plus 15,000 bonus miles. With their accumulated miles, cardholders can easily redeem miles for travel on any airline at anytime - with no blackout dates. Miles can also be redeemed for gift cards, merchandise and more. A free, annual year's end summary is also standard with the Capital One® Spark℠ Miles for Business credit card. In-depth analysis of spending is broken down by category, enabling easy accounting review for budgeting, planning and spotting tax deductions. Business owners can also brand their Capital One® Spark℠ Miles for Business credit card with their company logo or other phrasing- so every time the card is used, your business is being promoted. This card customization additionally allows for individual spending limits for each employee. Purchases made on the card will also be itemized for simplified viewing on your statement. Tracking account activity, paying bills and viewing up to 13 months of statements can all be done via Capital One's safe, secure online interface.
9. Capital One® Spark℠ Cash for Business
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| Interest Rate: | 13.9% (V)* |
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| Intro Rate: | No introductory rate available. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | $59 |
Special Offers: No introductory rate available.
Our Opinion: The Capital One® Spark℠ Cash for Business Credit Card gives cardholders some of the most cash back of any business credit card on the market. Earn unlimited 2% cash back reward on every purchase with the option of setting up automatic redemption. Earn $100 simply for spending $1,000 on the card within the first 3 months and another $50 for signing up one or more employee cards. The Capital One® Spark℠ Cash for Business Credit Card also comes with a $0 introductory annual fee. A free year end summary annually also comes standard with the Capital One® Spark℠ Cash for Business Credit Card. A comprehensive spending analysis is broken down by purchasing category, thereby allowing account review for budgeting, planning and to identify tax deductions easier. If you wish to speak to someone directly, award-winning small business team members are available to help you.
10. Capital One® Spark℠ Miles Select for Business
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| Interest Rate: | 14.9% - 19.9% (V)* |
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| Intro Rate: | Introductory 0% APR on purchases until August 2012 |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: Introductory 0% APR on purchases until August 2012.
Our Opinion: Earn 1 mile per dollar spent on all your purchases, no matter what your business expenses may be plus a 50% added cash back bonus on the total miles you earn every year. The Capital One® Spark℠ Miles Select for Business credit card has no blackout dates on when you can fly nor any seat or airline restrictions. Review your quarterly and year-end summaries online for a detailed overview of your payments, transactions and fees. The Capital One® Spark℠ Miles Select for Business credit card also comes with no annual fee for all these perks and benefits.
11. Capital One® Spark℠ Cash Select for Business
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| Interest Rate: | 14.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | Introductory 0% APR on purchases until August 2012. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: Introductory 0% APR on purchases until August 2012.
Our Opinion: On every purchase you make and a 50% cash back bonus every year, you'll see how quickly you can do more for your business. Earn 1% cash back on all purchases, no matter where your business takes you. Cash rewards don't expire. Earn a 50% cash back bonus is yours every year! 0% introductory APR on all your purchases - this special offer is good until April 2012. The Capital One® Spark℠ Cash Select for Business makes your quarterly and year-end summaries available for you to view online. Access these documents with just the click of a button and enjoy a breakdown of your business spending right at your fingertips!
12. Capital One® Spark℠ Classic for Business
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| Interest Rate: | 22.9% (V)* |
|---|---|
| Intro Rate: | No introductory rate available. |
| Grace Period: | 25 Days |
| Credit Limit: | n/app |
| Annual Fee: | None |
Special Offers: No introductory rate available.
Our Opinion: Earn cash back rewards almost every day with no annual fee. Earn 1% cash back on all your purchases, regardless of whether you're shopping for business supplies or other unrelated items. Build business credit and be eligible for an automatic credit line increase. Add up to 25 authorized employee users to your card membership and experienced small business customer service representatives ready to assist you. The Capital One® Spark℠ Classic for Business further provides year-end summaries of your account as well.
13. Capital One® Venture℠ Rewards Credit Card
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| Interest Rate: | 11.9% - 19.9% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | $59 |
Our Opinion: Created for people with excellent credit who want to earn airlines miles or gift cards rewards. It has one of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for travel, merchandise, and gift cards. Benefits include purchase insurance and emergency roadside assistance. No foreign transaction fee. Offers concierge services. Click "Apply Now" to apply online or call 877-834-4206.
14. Capital One® VentureOne℠ Rewards Credit Card
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| Interest Rate: | 11.9% - 19.9% (V)* |
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| Intro Rate: | 0% Intro on Purchases Until February 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.
Our Opinion: The Capital One® VentureOne(SM) Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1.25 mile per dollar spent on all purchases. Earn unlimited miles; miles do not expire. Miles are redeemable for flights on any airline with no blackout dates. Also redeem for travel, merchandise, and gift certificates. Miles can also be donated to participating charities. No annual fee. No foreign transaction fee. Click "Apply Now" to apply online or call 877-834-4206.
15. Journey℠ Student Rewards from Capital One®
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| Interest Rate: | 19.8% (V)* |
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| Intro Rate: | No Introductory Information Available |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/app |
| Annual Fee: | None |
Our Opinion: The Journey℠ Student Rewards from Capital One® card is for students with a limited credit history who are interested in carrying a rewards card. This credit card provides college students with a smart way to build their credit while earning cash back on items they already buy. The Journey℠ Student Rewards from Capital One® card offers a rewards program that allows students to earn a little extra money on purchases. Cardholders earn 1% cash back on all purchases. Automatic redemptions allow cardholders to get their cash back how they want it, when they want it. There is no limit on the cash cardholders can earn, and the cash won't expire. Cash rewards can be redeemed for statement credit, checks or gift cards. Other benefits include 24-hour roadside assistance, an extended warranty program, travel accident insurance, auto rental insurance, and much more. Cards can even be personalized with an image of the cardholder's choice! This card has no annual fee or balance transfer fee. However, it also does not offer an introductory rate on purchases or balance transfers. Therefore, if you are a college student who is interested in a credit card that earns rewards, the Journey℠ Student Rewards from Capital One® may be the right card for you.
16. Capital One® Orbitz® Visa® Platinum
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| Interest Rate: | 13.9% - 19.9% (V)* |
|---|---|
| Intro Rate: | 0% Intro on Purchases Until February 2013 |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until February 2013. See terms and conditions for complete details.
Our Opinion: The Capital One® Orbitz® Visa® Platinum card is for people with excellent credit who want a travel reward card. Through the reward program, cardholders earn 1 point per dollar spent on general purchases and 3 points per dollar spent on all eligible Orbitz.com travel, hotel, and vacation package bookings. Points are redeemable for flights on any airline with no blackout dates, cash, merchandise, and gift certificates. Points can also be donated to participating charities. This card has no annual fee and an above average interest rate for purchases and balance transfers. This card provides signature benefits such as $0 fraud liability, travel accident insurance, 24-hour travel and emergency assistance and auto rental insurance.


