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Best Capital One Credit Cards

Capital One boasts "no-hassle rewards" and no foreign transaction fees on any of its cards. In contrast, many other card issuers still impose onerous 3% foreign transaction fees on many of their products—especially those with no annual fees—which can add up fast if you use those cards when traveling. Check out the best cards Capital One has to offer.

    Best Card for Premium Travel Rewards

    This Card Is Right for You If:

    Venture® Rewards is Capital One's flagship card, and it can do some pretty neat things. First, you can earn a sign-up bonus of 50,000 miles—worth $500 in travel statement credits—after you spend $3,000 on new purchases within three months of account opening. You also earn double miles on all purchases, and through January 2020, you can also earn 10 miles per $1 spent on thousands of hotels booked through hotels.com/venture.

    Miles are worth 1 cent each as statement credits toward any travel reservations you make, with no blackout dates or capacity controls. Blackout dates are fixed dates when no awards are available, while capacity controls are when award availability is limited. When you earn double miles on each purchase, and miles are worth 1 cent each as statement credits, it allows you to realize 2 cents in rewards value per dollar spent.

    Another option for redeeming your rewards is transferring them to miles with more than 12 frequent flyer programs, most at a 2-to-1.5 ratio. When you can transfer your rewards to airline miles, and redeem those miles for expensive flights in business and first class, it's possible to realize several cents in value per mile redeemed. Benefits include a $100 credit toward the application fee for TSA PreCheck or Global Entry. The card charges a $95 annual fee, waived the first year.

    Best for Earning Cash Back

    This Card Is Right for You If:

    The Savor® Cash Rewards Credit Card was created for those who enjoy going out and want to earn high rates of cash back rewards doing so. It features an outstanding 4% cash back on all dining and entertainment purchases, and still returns 2% cash back when you buy dinner at the grocery store and stay in. There are no limits to the amount of bonus cash back you can earn, and you'll receive 1% cash back on all other charges.

    Benefits include a monthly statement credit for the Postmates Unlimited restaurant delivery service monthly membership through December 2019. Plus, you can earn 8% cash back on event tickets at Vivid Seats through May 2020. You'll also earn $300 in cash back when you spend $3,000 on new purchases within three months of account opening. There's a $95 annual fee for this card, but it's waived the first year.

    Best Card for Students

    This Card Is Right for You If:

    It can be a good idea for college students to start to learn how to use credit cards responsibly while building their credit history, and Capital One's Journey® Student Rewards card is a good place to start. This card starts students off with a modest credit line, but offers them access to a higher credit limit after they make their first five payments on time.

    It also features 1% cash back on all purchases, and the chance to earn an extra 0.25% when they make their payments on time, for a total of 1.25% cash back. There's no annual fee for this card.

    Best Card for Rebuilding Credit

    This Card Is Right for You If:

    When you've had serious credit problems in the past, it can be very difficult to rebuild your credit. To improve your credit scores, you have to open a new account and manage it responsibly. But of course, very few companies want to offer a new account to people with a poor credit history. Secured cards like this one from Capital One are the exception. These cards are available to nearly all applicants, regardless of their credit history. This also makes them a good choice for those who are just beginning to build credit history.

    This card works much like any standard unsecured card, except it first requires you to submit a refundable security deposit of $49, $99 or $200, based on your creditworthiness. Then you'll receive a credit line of at least $200, and more if you choose to make a larger deposit. You'll also receive access to a higher credit limit after the first five months of on-time payments.

    Best of all, this card works just like any other credit card. No one will know that it's a secured card when you use it to make purchases, and you'll still have to make a payment each month. The security deposit is only used in case of default, and you'll get it back when you pay off your balance and close your account.

    Many secured credit card users find that when they make all of their payments on time, they're able to qualify for a standard unsecured card within a year. And although many competing secured cards have an annual fee and other fees, the Capital One® Secured Mastercard® has no annual fee and no foreign transaction fees.

    Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.

    Methodology: Experian’s editorial team reviews the credit cards and loans in its CreditMatch marketplace by assessing the value of each card or loan based on a number of criteria, including fees, annual percentage rates (APRs), rewards earning and redemption rates, sign-up bonuses and more. Cards and loans may be selected as “best” in more than one category.

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