Best Capital One Cards for Bad Credit, Cash Back, and Luxury Travel
If you’re building or rebuilding your credit, Cash Back, or luxury travel rewards, Capital One has a wide range of options to suit your needs. Here are some of the best Capital One cards to consider:
1. Capital One Platinum Secured Credit Card
* No annual fee
* No fee for purchases made outside the U.S.
* Flexible payment due date
* Variable APR
* No rewards program
This secured card is an excellent choice for those with no credit or bad credit. It allows you to build or rebuild your credit, and you can earn back your security deposit as a statement credit when you use your card responsibly.
2. Capital One Quicksilver Cash Rewards Credit Card
* No annual fee
* Cash back rewards
* Intro-APR offer: 0% for 15 months
* Balance transfer fee: 4% of transferred balance
The Quicksilver Cash Rewards Card is a great option for cash back rewards. You can earn unlimited 1.5% cash back on every purchase and redeem cash back for any amount at any time.
3. Capital One Venture X Rewards Credit Card
* Annual fee: $395
* No foreign transaction fees
* Up to $120 credit for Global Entry or TSA PreCheck
* Unlimited complimentary airport lounge access
The Venture X Rewards Card is a premium card with a multitude of benefits, including airport lounge access, travel insurance, travel credits, and earns transferrable Capital One miles.
4. Capital One Savor Student Cash Rewards Credit Card
* No annual fee
* Rewards: 8% cash back on Capital One Entertainment purchases
* Welcome bonus: Earn a one-time $200 bonus once you spend $500 on purchases within the first three months
* No foreign transaction fees
* Access to premium reservations with Capital One Dining and exclusive events and experiences
The Savor Student Cash Rewards Card is perfect for students with a credit need. It has no annual fee and offers an attractive welcome bonus.
5. Capital One Spark Cash Plus Card
* Annual fee: $150
* Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel
* Welcome bonus: Earn a $2,000 cash bonus after spending $30,000 in the first three months and an additional $2,000 cash bonus for every $500,000 spent in the first year
* No foreign transaction fees
* Annual fee refund: Earn a refund of $150 when you spend at least $150,000 on your card
The Spark Cash Plus Card is perfect for businesses, offering a flexible rewards program, no foreign transaction fees, and an annual fee refund.
Q&A:
1. What Capital One credit card is easiest to get?
Answer: The Capital One Platinum Secured Credit Card is easier to qualify for as it’s a secured card with no credit checks.
2. What is the top-tier Capital One credit card?
Answer: The Capital One Venture X is the most premium travel rewards card, offering perks like airport lounge access, travel insurance, travel credits, and earns transferrable Capital One miles.
3. How many Capital One credit cards can you have?
Answer: Capital One doesn’t have an official limit to how many cards you can have, although it typically limits members to two personal credit cards at a time.
4. Why trust CNBC Select?
Answer: CNBC Select is a team of expert writers and editors dedicated to providing accurate and unbiased content to help you make informed decisions with your credit cards.