Best Capital One Credit Cards of September 2021


Capital One offers a huge variety of credit cards that cater to all needs, whether you’re looking to rack up travel points, save money on dining, get a credit card for your new business, pay off debt, or even build credit.

Travel rewards credit cards

Even though they only offer two travel rewards credit cards, both of Capital One’s Venture cards have consistently been ranked as the best travel rewards credit cards on the market for years now. These cards are designed to help you earn rewards that can be applied to travel expenses, helping you potentially save thousands on your dream vacation. They also tend to offer bonus points for travel spending and perks that are particularly useful for frequent travelers.

Cash back credit cards

Many consumers prefer cash back credit cards because they don’t have to worry about difficulties with redeeming travel rewards, such as blackout dates and redemption options that don’t fit their travel schedule. Cash back credit cards instead offer to give you back a percentage of each purchase you make. Flat rate cash back credit cards offer a flat rate back on all purchases, usually 1.5% or 2%. Other cash back credit cards have bonus categories that offer a higher percentage back — such as 3% cash back on all travel purchases or 4% cash back on dining and entertainment — but only offer 1% back on other purchases.

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Secured credit cards

The catch-22 of credit building is that the best way to do it is with a credit card, but you have to already have a good credit score to qualify for most credit cards. Secured credit cards are specifically designed to help people with low credit scores or no credit history build credit, and typically, just about anyone can qualify for them. These credit cards typically require a deposit that secures the credit card, mitigating the risk involved in lending credit to someone with a poor credit score. They have low credit limits as well. Typically, after a certain number of on-time payments, you can qualify for a bigger credit limit or an unsecured credit card.

Business credit cards

Business credit cards are similar to personal credit cards, except their rewards are geared more toward business expenses and they don’t always affect your personal credit score. However, Capital One is unique from most issuers in that they do report business credit card activity to personal credit bureaus. It’s worth noting that you don’t need to own a registered company in order to qualify for a business credit card. Any form of self-employment, or even a side hustle like selling goods on eBay, can count as a “business.” These credit cards may reward your business spending at a higher rate and help you separate your finances.

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0% intro APR credit cards

Most issuers now have credit cards with 0% intro APR promotional offers, and Capital One is no different. These 0% intro APR offers can apply to new purchases, balance transfers, or both. They specify a promotional period, usually 12 to 21 months, after which the APR will jump back up to a pretty high rate, so it’s crucial to have your bill paid off before that happens. Having a 0% intro APR on new purchases can be useful, but only if you’re highly responsible and certain you can pay it off in time. Typically, saving the money you need for a big purchase is ideal. However, credit cards with good balance transfer offers can be very useful in helping consumers pay off debt without paying any interest.

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