A Capital One card is one of the best credit cards to get if you want a rewards card that makes it very easy for you to redeem your credit card rewards. Issued by Capital One Financial (NYSE:COF), one of the largest card issuers in the United States, Capital One cards has a good mix of MasterCard (NYSE:MA) and Visa (NYSE:V) cards that cater to consumers, business owners and students, whether you want to earn cash back, rewards or airline miles. It has also partnered with Sony (NYSE:SNE) to come up with a co-branded credit card. Their cards don’t have any foreign transaction fee, which saves you money when you use your card abroad, and all have $0 fraud liability protection if your card is lost or stolen.
I have reviewed so many Capital One cards that, for your convenience, I have compiled below some of the best Capital One cards so that you can find the right credit card for your needs.
Capital One® Venture® Rewards Credit Card is Capital One’s most popular rewards card, and we can see why. This Card rewards you with a one time bonus of 40,000 miles ($400 in travel) when you spend at least $3,000 on purchases within the first 3 months. It also lets you earn 2 miles per $1 spent on all purchases, which means your miles will accumulate at a very fast rate. Miles can be redeemed for travel, credit, cash or merchandise and they don’t expire. 0% foreign transaction fee. $0 intro annual fee for first year; $59 after that.
Read review of Capital One Venture here.
Capital One® VentureOne® Rewards Credit Card lets you earn 1.25 miles per $1 spent on all purchases, which is 25% more than other no-fee rewards cards. Miles never expire, and can be redeemed against travel expenses, cash or merchandise. 0% foreign transaction fee. Plus, get 0% introductory APR on all purchases till August 2015, 11.9%-19.9% variable APR thereafter. Receive a one-time bonus of 20,000 miles after spending $1,000 on purchases within the first 3 months. If you want to buy something expensive and have a long interest-free period, this is the card to go for. No annual fee.
Read review of Capital One VentureOne Rewards here.
Sony Card from Capital One® is the official Sony credit card for people who are fans of Sony products. You receive 5,000 bonus points when you make your first purchase within the first 90 days. It gives you 5 points per $1 spent on Sony products at Sony Store and store.sony.com, 3 points per $1 spent on dining out and movies, and 1 point per $1 on all other purchases. Points can be redeemed for any Sony products, music, movies, and more. No limit to the number of points you can earn. Get 0% intro purchase APR till June 2015, after that there is a variable APR of 13.9% – 24.9%. No annual fee.
Capital One® Platinum Prestige Credit Card is a low interest card for people who occasionally carry a card balance. It offers a 0% intro APR on balance transfers and purchases till November 2015, which is useful if you want to transfer a balance or pay for an expensive purchase with no interest over many months. When the 0% period ends, the variable APR is either 10.9%-18.9%, depending on your creditworthiness. 0% foreign transaction fee. 3% balance transfer fee. Platinum MasterCard benefits. No annual fee.
Read review of Capital One Platinum Prestige Credit Card here.
Capital One® Spark® Cash Select for Business is a cash back business credit card that lets you earn a one-time $100 bonus if you spend $3,000 on purchases within the first 3 months of account opening. Earn an unlimited 1.5% cash back on your business, and your cash back doesn’t expire. Redeem your cash back anytime either online or by phone. Enjoy 0% introductory APR on all your purchases until February 2015, and a 12.9% – 20.9% variable APR after that. No annual fee. Additional employee credit cards have no annual fee.
Read review of Capital One Spark Cash Select for Business here.
Capital One® Secured MasterCard® is a great card for those who want to improve their credit score or to build a credit history, and also to have a credit card. Credit limits from $200 up to $3,000 are available, and the minimum refundable security deposit ranges is $49, $99, $200. Low $29 annual fee and no application or monthly maintenance fees. This credit card reports to the 3 credit bureaus in the U.S., so if you make timely minimum payments each month, your credit score will rise over time.
Read review of Capital One Secured Card here.
Journey℠ Student Rewards from Capital One® is a credit card for students who want to establish a credit history while in college so that they will already have a credit score by the time they graduate. It gives you 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time. Cash rewards can be redeemed for cash, statement credit or gift cards. You can access a higher credit line after making your 5 first monthly payments by their due date. No annual fee.
Read review of Capital One Journey Student Rewards Card here.
PlayStation® Card from Capital One®. If you’re a PlayStation® buff, this PlayStation® rewards card from Capital One will push all the right buttons. If you register with Sony Rewards you can score a lot of points: it offers 5,000 bonus points when you make your first purchase within 90 days of opening your account. You earn 10 points for each $1 spent on PlayStation®Network purchases. Earn 3 points per $1 on Sony® and PlayStation® purchases at Sony Stores, Sony.com and certain authorized retailers. You also get these 3 points per $1 spent on your mobile phone bill, movie theaters, and quick service restaurants. On top of this, you get 1 point per $1 for every other purchase you make. Points can be redeemed through SonyRewards.com for games, accessories, music and other great PlayStation® items. Benefit from $0 Fraud Liability, $0 annual fee, and a 0% intro APR on purchases until June 2015 (13.9%-24.9% variable APR after that).
Read our review of PlayStation Card from Capital One to find out more.