To find the right Capital One card for your finances, review your spending habits to find out if there are any categories where you spend more money than others. How to choose the right Capital One credit cardĬhoosing the right credit card comes down to figuring out which aspects of your financial life you’re looking to improve or earn rewards on. Though certain Credit One cards are decent in niche situations - such as the Credit One Bank® Platinum Visa® for Rebuilding Credit - most of the issuer’s offerings come with high punitive fees with few benefits to make them worthwhile. It’s easy to confuse the two due to their similar names and logos, but Credit One can’t compete with Capital One’s card offerings. One issuer that isn’t comparable to Capital One is Credit One Bank. Its premium travel credit card - the Chase Sapphire Reserve® - also gives Capital One’s Venture X a run for its money, albeit with a higher annual fee. However, Capital One does offer its CreditWise tool, which lets you track and monitor your credit to help improve your credit score and protect yourself from identity theft.Ĭhase also provides an impressive selection of travel credit cards to choose from, with stronger options for business owners than Capital One, thanks to its Chase Ink family of credit cards. Its travel credit cards come with useful perks including travel insurance*, no foreign transaction fees and - in some cases - a credit for Global Entry or TSA PreCheck.Ĭompared to Bank of America, Capital One offers a stronger selection of travel cards, but it lacks Bank of America’s Preferred Rewards program, which provides higher rewards based on your Bank of America or Merrill investing account balance. How does Capital One compare to other issuers?Ĭapital One offers both strong rewards cards for general spenders and for frequent travelers. Choose the credit card that best matches your spending habits and preferred rewards system. If you travel internationally, using a credit card that doesn’t charge you for purchases made in a foreign currency can help limit your travel expenses.Ĭapital One also provides good travel perks within its Venture card family, all with varying annual fees. Who should get a Capital One credit card?Ĭapital One offers an impressive array of different credit cards for business, travel and general spending - none of which charge foreign transaction fees. Read more: Best Credit Cards for TSA PreCheck and Global EntryĮarn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account. Here are our favorite picks among Capital One’s extensive card lineup, and what you should know to pick the right one for you. On the other side of the spectrum, it also offers premium travel cards, like the Capital One Venture X Rewards Credit Card, which extends luxury perks and lucrative rewards to consumers with good credit and the willingness to shell out a high annual fee. Notably, Capital One has a strong line of credit-building cards geared toward those with limited or less-than-perfect credit, such as the Capital One Platinum Secured Credit Card or the Capital One Quicksilver Secured Cash Rewards Credit Card. There are also different levels of the same card - such as premium, no-annual-fee or student versions. It offers a wider range of credit card offerings than many other issuers, both in terms of rewards categories as well as credit profile. As one of the largest banks in the US, Capital One is a well-known name in the credit card space for good reason. Whether you’re a foodie, traveler, business owner or someone just starting on your credit journey, Capital One likely has a credit card to fit your needs.
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