Best Capital One Credit Cards – Top 5 Reasons to Get One

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best capital one credit cards

If you’re looking to earn free travel, Capital One has some of the most straightforward rewards in the industry. If you get one of their Venture cards, like the Venture or VentureOne, you’ll find the rewards are easy to use, extremely flexible and very valuable.

And if travel isn’t your thing, Capital One also has some excellent cashback cards, like the Quicksilver. You’ll get a great rate of return, a solid sign-up bonus and interest-free financing with that card.

Let’s take a closer look at the best Capital One credit cards and the top five reasons you should get one.

The Best Capital One Credit Cards

Before we get into the specifics on why Capital One cards are so great, let’s take a quick look at the best cards they offer.

Capital One Venture Rewards Credit Card – Great for Travelers

The Venture card has a place in any traveler’s wallet, whether you’re new to the points and miles game or a travel hacking veteran. The reason? Because of its simplicity. Earning and redeeming miles doesn’t get any easier.

Venture® Rewards Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
14.74% to 24.74% Variable±
Annual Fee
$0 intro for first year; $95 after that
Rewards Program
Venture® Rewards
Bonuses & Rewards
  • 10x Miles at hotels.com/venture
  • 2x Miles on every purchase, every day
  • 50,000miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • No Foreign Transaction Fee
  • + No cap to the amount of rewards you can earn
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You’ll get 2 miles for every dollar you spend. There are no special spending categories, caps or limits to worry about. Just use the card and earn miles at a great rate.

When it comes to redeeming those miles, this card really shines. You can buy any travel you want from any vendor and use your miles to pay for it.

Do you like to shop for hotels through Expedia? Or car rentals from Priceline? Maybe you prefer low-cost carriers? Whatever you want, just buy it and redeem miles for statement credits to cover the cost.

Did I forget to mention that this card comes with a sign-up bonus worth $500? Well, it does! How can you go wrong?

The Venture card does have a $95 annual fee (waived the first year). While I think the card is easily worth the cost, you may balk at paying for a card. Don’t worry, Capital One offers a no-fee version of the card too: the VentureOne card. The benefits aren’t quite as good, but it’s still a solid travel card.

Quicksilver – The Best Capital One Card for Cash Back

If you want a card that’s even easier to use, consider the Quicksilver cashback card. You’ll get an easy $200 sign-up bonus, 1.5% cash back on all purchases and 0% APR on purchases and balance transfer for 9 months.

Capital One® Quicksilver® Cash Rewards

INTRO APR on Purchases
0% introductory APR for the first 15 months that your account is open
INTRO apr on Balance Transfer
0% introductory APR for the first 15 months that your account is open
Regular APR
14.74% to 24.74% Variable±
Annual Fee
$0
Rewards Program
Capital One® Cash Back Rewards
Bonuses & Rewards
  • % 1.5% on every purchase, every day
  • $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • No Foreign Transaction Fee
  • % 3% fee on the amounts transferred within the first 15 months
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That means that this card is great for paying down debt on a high-interest card and/or making a big purchase that you want to pay off over time.

Top 5 Reasons to Get a Capital One Card

Now let’s get to the good stuff. Below are the top five reasons you want a Capital One credit card.

1. Flexible Travel Rewards – Great for Economy Flights

The thing that makes the Venture Rewards program so great is its flexibility. You can use your miles to buy any travel you want from anywhere. There are no restrictions and no blackout dates.

Airline frequent flyer programs aren’t what they used to be. Airlines keep cutting back on those programs to save money. That means it’s increasingly difficult to find good redemption deals with airline miles and award space is becoming more scarce.

world map with capital one benefits

What makes Venture Rewards so valuable is that you can just buy the airfare you want for the price you want and reimburse yourself with your miles. You aren’t tied to an airline or a set of travel partners.

So, if you prefer to find the cheapest seats (i.e. in the economy cabin) and don’t have a lot of flexibility in your travel dates, this program—and the Venture card—are perfect for you.

2. Great Earning Potential

The Capital One credit cards offer great earning rates. The industry standard for rewards hovers around 1% back. However, the Capital One Venture card gives users 2x miles per dollar spent and the Quicksilver card offers 1.5% cash back.

There are no rotating categories or rewards you must opt-in for. Everything you buy earns a bonus.

3. Big Sign-Up Bonuses

You can snag yourself a big sign-up bonus as well. The Capital One Venture, Quicksilver, and Venture One cards all have great sign-up bonuses. The Venture card is offering 50,000 bonus miles if you spend 3,000 on purchases within the first three months. That’s worth $500!

With the Venture One card you can get 20,000 bonus miles worth $200. Also, the Quicksilver card offers a one-time bonus of up to $200. Those are great bonuses, particularly for cards that don’t have annual fees. It’s like free money.

Capital One
4. No Foreign Transaction Fees

Capital one is a trendsetter in the industry and was one of the first banks to eliminate foreign transaction fees from all of their cards. Foreign transaction fees are typically 3%, so this can be a huge savings if you travel abroad and prefer to pay with a card.

5. Interest-Free Financing

They also offer competitive interest rates. Some of their cards offer 0% introductory promotional interest rates on purchases and or balance transfers.

interest free financing with capital one

Capital One currently has two offers for its no-fee Quicksilver card. You can either get a $150 sign-up bonus and a generous 15 months of interest-free financing on purchases and balance transfers, or you can get a great $200 sign-up bonus and 9 months of 0% APR.

Either offer is great, but you’ll have to decide which is more valuable based on your needs.

Ongoing APR’s are variable and will ultimately depend on your credit history, but they can be as low as 12.24%. That’s pretty good for a credit card.

6. Great Cardholder Benefits

Capital One offers many benefits you may not have initially considered which help cardholders stay on top of their credit use.

Capital One allows cardholders to take charge of their payments by allowing them to choose the due date. You can also keep tabs on the spending of authorized users by receiving an itemized statement which separates the charges of each cardholder.

Perhaps best of all, Capital One offers Creditwise, which allows unlimited access to your credit score as well as useful tools to stay on top of your credit management.

Second Look is another great feature. It is like having someone else double checking and comparing your monthly statements for you. They will notify you of things like duplicate charges or an increase in a recurring monthly payment.

Credit_Tracker
Use your credit tracker benefits

Now’s the Time to Get a Great Credit Card

Capital One has a great lineup of cards.They offer big sign-up bonuses, great earning potential, and valuable and flexible rewards. What’s stopping you from applying for a Venture or Quicksilver card?