Capital One is a full-service bank that opened in 1994 and has become one of the most famous names in finance and credit cards. Its portfolio includes a wider variety of credit cards across a wider audience than other issuers, and its products are more "customizable" than other issuers. Not only can you choose reward cards by category based on your spending habits, but you can also choose from a variety of card levels, including regular, premium, no annual fees, and for students.

Intro bonus Earn 100,000 Bonus Miles with a $ 10,000 purchase in the first 6 months of opening your account

April16.99% -23.99% (variable)

Recommended credit Excellent

Rate of return

  • Earn unlimited 10x miles at hotels and car rentals booked with Capital One Travel and 5x miles with flights booked with Capital One Travel.
  • Earn unlimited 2X miles on all other purchases

Annual fee$ 395

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR16.99% -23.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn unlimited 10x miles at hotels and car rentals booked with Capital One Travel and 5x miles with flights booked with Capital One Travel.
  • Earn unlimited 2X miles on all other purchases

Intro bonus Buy $ 3,000 within 3 months of opening your account and enjoy a one-time bonus of 60,000 miles. That's $ 600 on a trip.

April15.99% -23.99% (variable)

Recommended credit Great, good

Rate of return

  • Earn 5x more miles at hotels and car rentals booked with Capital One Travel. Here you can get the best prices on Capital One with thousands of travel options.
  • Earn unlimited 2X miles each day and every purchase.

Annual fee$ 95

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR15.99% -23.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn 5x more miles at hotels and car rentals booked with Capital One Travel. Here you can get the best prices on Capital One with thousands of travel options.
  • Earn unlimited 2X miles each day and every purchase.

Intro bonus Buy $ 500 within 3 months of opening your account and you'll earn a 20,000 mile bonus. That's $ 200 on a trip.

April14.99% -24.99% (variable)

Recommended credit Great, good

Rate of return

  • Earn 5x more miles at hotels and car rentals booked with Capital One Travel. Here you can get the best prices on Capital One with thousands of travel options.
  • Earn unlimited 1.25X miles each day with every purchase.

Annual fee$ 0

Intro purchase April0% intro for 15-month purchases

Intro Balanced Transfer APR0% intro of balance transfer for 15 months

Balance transfer fee 3%

Balance transfer APR14.99% -24.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn 5x more miles at hotels and car rentals booked with Capital One Travel. Here you can get the best prices on Capital One with thousands of travel options.
  • Earn unlimited 1.25X miles each day with every purchase.

Intro bonus $ 300 after purchasing $ 3,000 within 3 months of opening an account

April15.99% -23.99% (variable)

Recommended credit Great, good

Rate of return

  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
  • Earn 3% at a grocery store
  • Earn 1% on all other purchases

Annual fee$ 95

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee Transfer There is no balance transferred by APR.

Balance transfer APR15.99% -23.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn unlimited 4% cash back on dining, entertainment and popular streaming services
  • Earn 3% at a grocery store
  • Earn 1% on all other purchases

Intro bonus Buy $ 500 within the first three months of opening your account and you'll get a one-time $ 200 cash bonus.

April14.99% -24.99% (variable)

Recommended credit Great, good

Rate of return

  • Earn 8% cashback on tickets at Vivid Seats until January 2023
  • Earn unlimited 3% cash back at dining, entertainment, popular streaming services, and grocery stores (excluding supermarkets such as Walmart® and Target®)
  • Earn 1% on all other purchases

Annual fee$ 0

Intro purchase April0% intro for 15-month purchases

Intro Balanced Transfer APR0% intro of balance transfer for 15 months

Balance transfer fee 3%

Balance transfer APR14.99% -24.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn 8% cashback on tickets at Vivid Seats until January 2023
  • Earn unlimited 3% cash back at dining, entertainment, popular streaming services, and grocery stores (excluding supermarkets such as Walmart® and Target®)
  • Earn 1% on all other purchases

Intro bonus Not applicable

April26.99% (variable)

Recommended credit Average, fair, limited

Rate of return

  • Earn 8% cash back on your tickets at Vivid Seats until January 2023.
  • Earn unlimited 3% cash back at dining, entertainment, popular streaming services, and grocery stores (excluding supermarkets such as Walmart® and Target®).
  • Earn 1% on all other purchases.

Annual fee$ 0

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR26.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn 8% cash back on your tickets at Vivid Seats until January 2023.
  • Earn unlimited 3% cash back at dining, entertainment, popular streaming services, and grocery stores (excluding supermarkets such as Walmart® and Target®).
  • Earn 1% on all other purchases.

Intro bonus One-time $ 200 cash bonus after purchasing $ 500 within 3 months of opening an account

April14.99% -24.99% (variable)

Recommended credit Great, good

Rate of return

  • Earn unlimited 1.5% cashback with every purchase every day

Annual fee$ 0

Intro purchase April0% intro for 15-month purchases

Intro Balanced Transfer APR0% intro of balance transfer for 15 months

Balance transfer fee 3%

Balance transfer APR14.99% -24.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn unlimited 1.5% cashback with every purchase every day

Intro bonus Not applicable

April26.99% (variable)

Recommended credit Average, fair, limited

Rate of return

  • Earn unlimited 1.5% cashback with every purchase every day

Annual fee$ 39

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR26.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn unlimited 1.5% cashback with every purchase every day

Intro bonus Not applicable

April26.99% (variable)

Recommended credit Average, fair, limited

Rate of return

  • Earn unlimited 1.5% cashback with every purchase every day

Annual fee$ 0

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR26.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

  • Earn unlimited 1.5% cashback with every purchase every day

Our take

Intro bonus Not applicable

April26.99% (variable)

Recommended credit Average, fair, limited

Rate of returnNot applicable

Annual fee$ 0

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR26.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

Intro bonus Not applicable

April26.99% (variable)

Recommended credit Limited, bad

Rate of returnNot applicable

Annual fee$ 0

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR26.99% (variable)

Postpaid charges Up to $ 40

Foreign transaction fees none

Penalty april none

Intro bonus Earn up to $ 1,000 in cash bonus. $ 500 for $ 5,000 in the first 3 months and $ 500 for $ 50,000 in the first 6 months of opening an account

AprilNot applicable

Recommended credit Great, good

Rate of return

  • Earn unlimited 2% cashback on every purchase, anywhere, with no restrictions or category restrictions

Annual fee$ 150

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee Not applicable

Balance transfer APRNot applicable

Postpaid charges 2.99% of unpaid portion

Foreign transaction fees none

Penalty april Not applicable

  • Earn unlimited 2% cashback on every purchase, anywhere, with no restrictions or category restrictions

Intro bonus Buy $ 4,500 within the first three months of opening your account and you'll earn a one-time bonus of 50,000 miles (equivalent to $ 500 on a trip).

April20.99% (variable)

Recommended credit Great, good

Rate of return

  • Earn unlimited 2X miles per dollar, anywhere, anywhere, with no restrictions or category restrictions. In addition, miles will not expire during the life of your account.

Annual feeThe first year is a $ 0 intro.Then $ 95

Intro purchase AprilNot applicable

Intro Balanced Transfer APRNot applicable

Balance transfer fee $ 0 with this transfer APR

Balance transfer APR20.99% (variable)

Postpaid charges Up to $ 39

Foreign transaction fees none

Penalty april 29.40% (variable)

  • Earn unlimited 2X miles per dollar, anywhere, anywhere, with no restrictions or category restrictions. In addition, miles will not expire during the life of your account.

The edits to this page are based solely on an objective and independent evaluation by the writer and are not affected by advertising or partnerships. It is not provided or outsourced by a third party. However, you may be rewarded for clicking links to products or services offered by our partners.

https://www.cnet.com/personal-finance/credit-cards/capital-one-credit-cards/#ftag=CADf328eec 2021 Capital One Credit Card