Capital One Credit Card Reviews, Rules & Opinions

Name: Capital One Credit Card Reviews, Rules & Opinions
Item: Capital One Credit Card Reviews, Rules & Opinions
Author: Saad Imran

Capital One offers credit cards that appeal to many different types of consumers. MoneyGeek analyzed the best Capital One credit cards, their benefits and application process, to help you choose.

By Saad Imran

Reviewed by Lee Huffman

Edited by Kathryn Schroeder

Updated: November 1, 2024

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Capital One offers about 30 different credit cards; anyone looking for business rewards, travel rewards, a student credit card, or to rebuild their credit can find a Capital One card that suits them. You don’t need an excellent credit score to qualify for different Capital One cards — the issuer offers cards for applicants for every type of credit score, ranging from fair to excellent.

Capital One also offers co-branded credit cards with Pottery Barn, Williams Sonoma, West Elm, Bass Pro Shops and Walmart. If you enjoy shopping at these brands, you can reap great benefits from the best Capital One cards.

ON THIS PAGE:

Different Card Offerings from Capital One
Rules for Applying, Acceptance & Welcome Bonuses
Other Considerations for Capital One
Overall Opinion of Capital One & Card Offerings

Featured Credit Cards Offered by Capital One

Capital One credit cards appeal to students, business owners, frequent shoppers, travelers or people with fair credit. For some Capital One credit cards, there is a $0 annual fee or a welcome bonus.

Credit Card	Quick Take	Regular APR	Annual Fee	Recommended Credit	Rewards Summary
Capital One Platinum Credit Card Read review	Good no-frills unsecured card for building credit	29.99% variable	$0	580-740 (Fair to Good)	No Rewards Review & Apply On Issuer's Site
Capital One Quicksilver Cash Rewards Credit Card Read review	Flat cash back with a lengthy intro 0% APR on balance transfers and purchases	19.74% - 29.74% variable	$0	670-850 (Good to Excellent)	Earn unlimited 1.5% cash back Review & Apply On Issuer's Site
Capital One QuicksilverOne Cash Rewards Credit Card Read review	Same cash back as Quicksilver, but easier to get with a lower credit score.	29.99% variable	$39	580-740 (Fair to Good)	Earn 1.5–5% cash back Review & Apply On Issuer's Site
Capital One Savor Cash Rewards Credit Card Read review	A great no-annual-fee card for diverse spenders	19.74% - 29.74% variable	$0	670-850 (Good to Excellent)	Earn 1% – 8% cash back Review & Apply On Issuer's Site
Capital One Venture Rewards Credit Card Read review	Strong entry-level travel card with high rewards rates	19.99% - 29.74% variable	$95	670-850 (Good to Excellent)	Earn 2X – 5X miles Review & Apply On Issuer's Site
Capital One Spark Cash Plus Read review	Generous flat-rate cash back on business expenses	N/A (charge card)	$150	740-850 (Excellent)	Earn 2% – 5% cash back Review & Apply On Issuer's Site
Capital One Spark Miles for Business Read review	Best flat-rate rewards card for frequent travel	25.74% variable	$0 intro for first year; $95 after that	670-850 (Good to Excellent)	Earn 2X – 5X miles Review & Apply On Issuer's Site
Capital One Quicksilver Student Cash Rewards Credit Card Read review	A practical no-annual-fee student credit card with cash back	19.74% - 29.74% variable	$0	(No Credit History)	Earn 1.5%–10% cash back Review & Apply On Issuer's Site

Other Cards Issued by Capital One

In addition to the featured cards listed above, Capital One also offers the following credit cards:

Capital One CLUB Business Mastercard: For business owners who are CLUB members and are looking to earn CLUB points.
Capital One Bass Pro Shops CLUB Card: For regular Bass Pro Shops and Cabela’s shoppers looking to earn great reward points.
Capital One Cabela’s CLUB Card: If you want to earn cash back on Bass Pro Shops or Cabela’s purchases, this is a great credit card for you.
Capital One Spark Miles for Business Select: For business owners looking to earn bonus miles on business purchases.
Capital One® Spark® Classic for Business: For business owners looking to build credit and earn cash back on everyday purchases.
Capital One Spark Cash Select for Good Credit: For business owners with a good credit score looking to earn cash back on business purchases.
Capital One Spark Cash Select: For business owners with an excellent credit score looking for cash back on business purchases and a welcome bonus.
Capital One Key Rewards Visa: This card is the best option for you to earn cash back at a high rate across seven brands.
Capital One West Elm Key Rewards Credit Card: For people who are looking to earn cash back at a high rate across seven brands and free standard shipping.
Capital One Williams Sonoma Key Rewards Visa: For Williams Sonoma shoppers looking to earn cash back at that store and six other brands.
Capital One Pottery Barn Key Rewards Visa: For Pottery Barn shoppers who want to earn cash back at the store and across six other brands, grocery store and restaurant purchases.
Capital One Platinum Secured: A secured credit card with no hidden fees.
Capital One Venture X Rewards Credit Card: A luxury credit card for frequent travelers to earn great travel rewards and enjoy premium travel benefits, like lounge access.
Capital One VentureOne Rewards for Good Credit: For travelers with good credit scores looking to earn miles on Capital One Travel purchases.
Capital One Quicksilver Cash Rewards Credit Card for Good Credit: For people with good credit scores to earn cash back on every purchase.
Capital One Savor Rewards: For people looking to earn cash back on dining and entertainment services.
Capital One SavorCash Rewards Credit Card for Students: For students to earn cash back on dining, entertainment services and grocery store purchases.
Capital One Quicksilver Cash Rewards Credit Card for Students: For students looking to earn cash back on every type of purchase.
Capital One Quicksilver Secured Cash Rewards Credit Card: A secured card with unlimited cash back on every type of purchase.

More: Read Our Full Review of Capital One Savor Cash Rewards Credit Card

More: Read Our Full Review of Capital One Platinum Credit Card

More: Read Our Full Review of Capital One Spark Cash Select - $500 Cash Bonus

Rules for Applying, Acceptance & Welcome Bonuses

If you want to have better odds of approval for different Capital One cards, it’s best to consider the application rules, welcome bonus requirements and other details before applying.

What is the accepted credit score range for most cards?

Most Capital One cards require you to have a good to excellent credit score — that means your credit score should be above 670. However, Capital One also offers cards for people with a fair credit score or who want to rebuild their credit.

How many Capital One cards can you own?

While Capital One does not allow consumers to have more than two credit cards at a time, there are a few rule exceptions. If you have a co-branded card or a secured credit card, it does not count towards the two-card limit. Since implementing this rule in 2011, people with more than two cards could keep them.

How many times can you apply?

With Capital One, you can only apply for one credit card every six months. The issuer firmly imposes this limit, and it doesn’t matter if you have applied for a personal or business credit card — if it hasn’t been six months since you last applied, your application will most likely get rejected.

How many times can you get approved?

Capital One does not specify the number of times you can get approved for a credit card. However, it only allows two cards per individual.

How many times can you claim a welcome bonus?

While Capital One states in its terms and conditions that bonuses may not be available for existing or previous accountholders, it does not specify how many times you can claim a bonus.

Other Considerations About Capital One

MoneyGeek analyzed the following factors that you should consider before choosing a credit card from Capital One to help you make a better decision:

Feature	Description
Customer Service & Satisfaction	Since you must contact a Capital One customer service representative for any issue with your credit card, it’s important to consider its customer service reputation. A J.D. Power report shows that Capital One ranks third in customer satisfaction among national issuers, scoring 815. Capital One offers a dedicated support channel for credit cards. You can contact customer service representatives through phone, mail or chat with Eno, Capital One’s digital assistant.
Mobile Apps & Online Services	Capital One’s mobile app is available on the Google Play Store and Apple’s App Store. It lets you manage your account and offers features like card lock and rewards redemption. A 2021 J.D. Power survey shows that Capital One ranks third-highest for mobile app satisfaction, scoring 864.
Security & Credit Monitoring Services	Capital One offers CreditWise, allowing you to monitor your credit information and get alerts to changes without hurting your score. To protect you from online fraud, Capital One has security features like secure login, virtual card numbers, the ability to lock your card to prevent purchases and real-time alerts for suspicious transactions.
Loyalty Programs & Other Issuer Perks	With many Capital One cards, you can earn rewards on purchases. You can then redeem these rewards for anything you like by signing into your account online or using Capital One’s mobile banking app. The rewards you earn with your card do not expire as long as your account stays active.
Authorized Users	Capital One does not charge a fee for adding an authorized user to your account. After adding an authorized user, you can earn rewards on every purchase they make.
Purchase Protection	Many Capital One cards offer purchase protection, covering purchases for 90 days in case of damage or theft. The claim limit depends on which type of card you have.
Co-Branding & Partnerships	Capital One has co-branded cards with the following companies: Walmart Pottery Barn Williams Sonoma West Elm Cabela’s Bass Pro Shops
Other Products Offered	In addition to credit cards, Capital One offers personal checking and savings accounts, auto financing, business loans, business checking and savings accounts and much more. Capital One also offers other financial products like corporate credit cards, rewards programs and payment solutions that can help you streamline client experience and separate your personal liability from corporate liability.

Overall Opinion of Capital One & Their Credit Card Offerings

Since Capital One offers credit cards for students, people who want to earn rewards or cash back, business owners and travelers, it’s a great option for anyone. You can earn great rewards on daily purchases, even with fair credit. Capital One also offers rewards for individuals looking to rebuild their credit score. With all these features, Capital One cards are a good option if:

You want to earn rewards for everyday shopping and at different brands

Capital One offers many co-branded cards: Cabela’s, West Elm, Pottery Barn, Walmart, and more.

You want to enjoy a hefty welcome bonus and multiple redemption options

Almost all Capital One cards offer great welcome bonuses and rewards, which you can redeem for cash, gift cards, to cover a purchase or in other ways.

EXPERT OPINION

"Capital One offers a variety of cards that fit the lifestyle of a consumer or small business owner. You can grow with Capital One to receive more appealing cards as your credit and finances improve."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

While different Capital One cards offer great offers and rewards, you can also look over the best rewards credit cards.

>>MORE: EVERYTHING YOU NEED TO KNOW ABOUT CAPITAL ONE BALANCE TRANSFERS

Learn More About Credit Cards in General

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About Saad Imran

Saad Imran is a freelance writer. He has experience writing for a leading insurance consulting firm in the U.S. and has a vast knowledge of the U.S. financial industry.

sources

Capital One. "Credit Card Benefits." Accessed November 1, 2024.
Capital One. "Credit Cards Rewards." Accessed November 1, 2024.
Capital One. "Fraud Protection." Accessed November 1, 2024.
J.D. Power. "Retail Banks Face Major Customer Satisfaction Challenge as World Shifts to Digital-Only Engagement, J.D. Power Finds." Accessed November 1, 2024.
J.D. Power. "U.S. Retail Banks Nail Transition to Digital during Pandemic, J.D. Power Finds." Accessed November 1, 2024.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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Capital One Credit Card Reviews, Rules & Opinions

Featured Credit Cards Offered by Capital One

Capital One Platinum Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Spark Cash Plus

Capital One Spark Miles for Business

Capital One Quicksilver Student Cash Rewards Credit Card