Guide to Capital One Credit Cards

By Kevin / March 5, 2016
Guide to Capital One Credit Cards

Capital One is popular credit card issuer, and one that offers some great cards for people with excellent credit looking for great credit card rewards to consumers trying to build up their credit profile.

In fact, consumers with no credit, limited credit, or fair credit can take advantage of the credit steps program to earn higher credit limits with Capital One. All you need to is make your first five payments on time! ​

We also think Capital One provides some of the best business rewards cards out there - whether you are looking for cash back or to earn travel rewards.

If there are two factors that make Capital One cards so popular, they are:

  • ​No hassles - There is not a lot of fine print or "gotchas" with Capital One.
  • Simplicity - Capital One rewards programs are easy to understand and easy to redeem.

Below are some quick comparisons of the leading Capital One credit cards. Each overview also includes a link to our complete review, if you feel like you need to full scoop prior to applying.

More...

Travel Rewards Credit Cards​

Venture® Rewards Overview

Capital One Miles Cards Compared

CreditShout Rating

Annual Fee: $59​ (Waived First Year)

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
  • Earn unlimited 2X miles per dollar on every purchase, every day.
  • Fly any airline, stay at any hotel, anytime.
  • Travel when you want with no blackout dates.
  • Miles don't expire and there's no limit to how many you can earn.
  • No foreign transaction fees.
  • No annual fee for the first year; $59 after that.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.

Intro APR

N/A

Intro Balance Transfer

N/A; but No Transter Fee

Regular APR

13.24% - 23.24% Variable on Purchases and Transfers

Read Our Review

VentureOne® Rewards Overview

Review of Capital One Travel Cards

CreditShout Rating

Annual Fee: $0

Credit Required​: Good

Rewards Program and Signup Bonuses*:

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee.
  • Fly any airline, stay at any hotel, anytime.
  • Enjoy a low 0% intro APR on purchases for 12 months; 12.24% - 22.24% variable APR after that.
  • Travel when you want with no blackout dates.
  • No foreign transaction fees.
  • Miles don't expire and there's no limit to how many you can earn.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.

Intro APR

0% for 12 Months

Intro Balance Transfer

Regular APR, but No Transfer Fee

Regular APR

12.24% - 22.24% Variable on Purchases and Transfers

Read Our Review to Learn More

Cash Back Credit Cards

Quicksilver® Rewards Overview

Review of Cash Back Cards from Capital One

CreditShout Rating

Annual Fee: $0

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • One-time $100 cash 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 or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn.
  • 0% intro APR on purchases for 9 months; 13.24% - 23.24% variable APR after that.
  • Balance transfers also have a 0% intro APR for 9 months, a 3% fee applies to each balance transferred.
  • Pay no annual fee or foreign transaction fees.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.

Intro APR

0% for 9 months

Intro Balance Transfer

0% for 9 months; but 3% Transfer Fee

Regular APR

13.24% - 23.24% Variable on Purchases and Transfers

Read Our Review

QuicksilverOne® Rewards Overview

Capital One QuickSilverOne MasterCard Cash Back Card Review

CreditShout Rating

Annual Fee: $39

Credit Required: Fair

Rewards Program and Signup Bonuses*:

  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn.
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that.
  • Balance transfers also have a 0% intro APR until for 9 months; and no transfer fee!
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is ever lost or stolen.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.

Intro APR

0% for 9 Months

Intro Balance Transfer

0% for 9 Months; and No Transfer Fee

Regular APR

23.24% Variable on Purchases and Transfers

Read Our Review

Student Rewards Card

Journey® Student Rewards Overview

Capital One Cards for Average Credit

CreditShout Rating:

Annual Fee: $0

Credit Required: Average

Rewards Program and Signup Bonuses*:

  • ​Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back.
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire.
  • 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.
  • Pick the monthly due date that works best for you.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.
  • Pay no annual, foreign transaction, or balance transfer fees.

Intro APR

N/A

Intro Balance Transfer

N/A, But No Transfer Fee

Regular APR

20.24% Variable

Read the Complete Review

Business Cash Back Credit Cards

Spark® Cash for Business Overview

Comparison of Capital One Business Credit Cards

CreditShout Rating:

Annual Fee: $59 (Waived in First Year)

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • Earn 2% cash back on every purchase, every day.
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months.
  • Cash rewards don't expire, and there are no categories to limit where or what you buy.
  • $0 intro annual fee for the first year; $59 after that.
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
  • No foreign transaction fees or balance transfer fees.
  • Earn unlimited cash rewards that don't expire.

Intro APR

N/A

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

17.24% Variable

Read Our Review for More Details

Spark® Cash Select for Business Overview

Spark Cash vs. Spark Miles

CreditShout Rating:

Annual Fee: $0

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • Earn 1.5% cash back on every purchase, every day.
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months.
  • Save on interest with 0% intro APR on purchases for 9 months; 13.24% - 21.24% variable APR after that.
  • Pay no annual fee or foreign transaction fees.
  • Get online Quarterly and Year-End Summaries.
  • Redeem cash rewards anytime, for any amount, even set up automatic redemption.
  • Earn unlimited cash rewards that don't expire.

Intro APR

0% APR for 9 Months

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

13.24% - 21.24% Variable

Read Our Review for More Details

Spark® Classic for Business Overview

Venture Rewards vs Quicksilver Rewards

CreditShout Rating:

Annual Fee: $0

Credit Required: Fair

Rewards Program and Signup Bonuses*:

  • Enjoy no annual fee.
  • Earn 1% cash back on every purchase, every day.
  • Build business credit with responsible use.
  • Fraud coverage if your card is ever lost or stolen.
  • No foreign transaction fees.
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service.

Intro APR

N/A

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

23.24% Variable

Read Our Review for More Details

Business Travel Rewards Cards

Spark® Miles for Business Overview

Capital One Cards for Good Credit

CreditShout Rating:

Annual Fee: $59 (Waived in First Year)

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • Earn 2 miles per dollar spent on every purchase, every day.
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Miles don't expire, and there are no categories to limit where or what you buy.
  • $0 intro annual fee for the first year; $59 after that.
  • There's no limit to the amount of miles you can earn and miles don't expire.
  • Redeem miles for travel, cash back, gift cards, and more.
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions.​

Intro APR

N/A

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

17.24% Variable

Read Our Review for More Information

Spark® Miles Select for Business Overview

VentureOne vs QuicksilverOne Rewards

CreditShout Rating:

Annual Fee: $59 (Waived in First Year)

Credit Required: Good

Rewards Program and Signup Bonuses*:

  • Earn 1.5 miles per dollar spent on every purchase, every day.
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months.
  • Miles don't expire, and there are no categories to limit where or what you buy.
  • Save on interest with 0% intro APR on purchases until January 2017; 13.24% - 21.24% variable APR after that.
  • Pay no annual fee or foreign transaction fees.Get online Quarterly and Year-End Summaries.
  • There's no limit to the amount of miles you can earn and miles don't expire.
  • Fly on any airline, anytime, with no blackout dates or seat restrictions.

Intro APR

0% APR for 9 Months

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

13.24% - 21.24% Variable

Read Our Review for More Information

Secured Credit Card to Build Credit

Secured MasterCard Overview

Capital One Credit Steps to Build Credit

CreditShout Rating:

Annual Fee: $0

Credit Required: None

Rewards Program and Signup Bonuses*:

  • No annual fee, with all the credit building benefits.
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.
  • Your minimum security deposit gets you a $200 credit line.
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required.
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app.It's a credit card accepted at millions of locations worldwide.

Intro APR

N/A

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

24.99% Variable

Read Our Review for More Information

No Annual Fee Card to Build Credit

Platinum Credit Card Overview

Capital One Cards for Rebuilding Credit

CreditShout Rating:

Annual Fee: $0

Credit Required: Fair

Rewards Program and Signup Bonuses*:

  • Pay no annual fee.
  • 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.
  • Use online banking to access your account, even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Help strengthen your credit for the future with responsible card use.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise®.

Intro APR

N/A

Intro Balance Transfer

N/A, but No Transfer Fee

Regular APR

24.99% Variable

Read Our Review for More Information

Capital One Cards for Building Credit

If you have no credit, or are looking to build or rebuild your credit, Capital One offers the Credit Steps program.

The purpose of the credit steps program is to offer you a path to increase your credit limit by showing that you can responsibly handle a credit card.

​The best part is there is nothing you need to do to enroll in the program. Just apply for one of the eligible Capital One cards and make your first five payments on time. Capital One will then automatically and periodically review your account to see if you are deserving of a credit line increase.

The credit cards that participate in the program are​:

  • ​Secured MasterCard for those with no or limited credit.
  • QuicksilverOne Cash Rewards Card for those with fair, average or limited credit who want to earn cash-back rewards.
  • Platinum Card those with average, fair, or limited credit who want a no annual fee card.
  • Journey Rewards Card for students.
  • Spark Classic for Business for small business owners who want cash back rewards.

You can apply for any of these great cards on CreditSoup® by clicking the button below.

Looking to Apply for a Credit Steps Card from Capital One®?

Follow the Link Below to Compare Eligible Cards and Apply on  CreditSoup®.