Capital One credit cards: A guide

Every person is different, and so is what they may look for in a credit card. Whether you’re looking for a credit card that earns cash back, offers travel rewards or helps you build credit, Capital One has plenty of options. 

What you’ll learn:

• Capital One offers credit cards for different credit levels and rewards preferences, including cash back and travel rewards cards.

• Eligible Capital One cardholders can earn elevated rewards through Capital One Travel and Capital One Entertainment.

• All cardholders can access Capital One account management, security and support features. 

• Tools like CreditWise from Capital One are accessible without a Capital One credit card.

Capital One offers unlimited miles on all its travel rewards credit cards, each designed for different credit levels and spending needs. Plus, cardholders can earn elevated rewards through Capital One Travel. Here’s a quick overview:

Capital One dining and entertainment cards offer cash back rewards on food and fun, with plenty of options to suit different needs. The lineup of cards provides a consistent rewards experience, with options ranging from no-fee starter cards to premium cards with enhanced cash back rates. And you can earn extra rewards through Capital One Entertainment. View important rates and disclosures.

Here’s a snapshot of dining and entertainment rewards credit cards from Capital One:

Capital One cash back cards offer simple, unlimited cash back rewards for everyday purchases. The cards are built around straightforward rewards and flexible redemption options, including a secured card, which requires a one-time, refundable security deposit.

Here’s a comparison of Capital One credit cards offering cash back rewards:

If you’re trying to build credit with a credit card, the key is using it responsibly. That means doing things like paying statements on time every month. That’s true of any credit card on this page. But if you’re working to improve your credit scores or you’ve never had a credit card before, it’s not always as simple as picking any card you want. 

Here’s a look at credit-building cards from Capital One:

All Capital One credit cards share some benefits, including account management, security and support features such as: 

• Flexible redemption options: Redeem your Capital One credit card rewards with flexible options, including statement credits, gift cards, at Amazon.com or through PayPal®.

• Rewards don’t expire: As long as your account is open and in good standing, rewards you earn with your Capital One credit card won’t expire for the life of the account.

• Fraud coverage: With $0 fraud liability, you won’t be responsible for any unauthorized purchases, even if your card is ever lost or stolen. You can also set up security alerts to get notified via text, email and phone if Capital One notices any suspicious activity on your account.

• Virtual card numbers: Shop online more securely with virtual card numbers that hide your actual card details from merchants.

• Capital One Mobile app: Pay bills, deposit checks, monitor account activity and more—all in one place.

• CreditWise from Capital One: Monitor your credit with free access to your credit report and credit score. CreditWise offers personalized insights to help you better understand your credit score.

To choose the right credit card from Capital One, you could ask yourself a few questions. Are you looking to earn rewards on purchases you make regularly, like dining out or at grocery stores? Do you travel often and want to enjoy premium benefits like airport lounge access? Or are you trying to build credit?

Capital One offers credit cards designed to meet different spending habits, travel goals and credit needs. 

Take the time to explore and compare Capital One credit cards to find a card that fits you. Before you apply, you can even see which cards you may qualify for by checking whether you’re pre-approved. The process is quick, and it won’t hurt your credit scores.