Best Capital One® Credit Cards for 2022

Is Capital One a good credit card?

Capital One credit cards are highly sought-after cards — and it’s not hard to understand why. Capital One cards are packed with benefits that consumers love, such as low fees, free credit monitoring, and generous cash rewards. Cardmembers also appreciate the versatility of their Capital One cards — with multiple uses and benefits for each card.

Who can get a Capital One credit card?

No matter what life stage you’re in or what your credit history looks like — there is likely a Capital One card to suit your needs. Capital One has something for everyone — from students or those looking to establish or rebuild their credit after a financial setback — to frequent travelers or consumers looking for above-average rewards and cashback. 

How to apply for Capital One credit card?

Fortunately, applying for a credit card through Capital One is fast and straightforward — with most applicants receiving a decision instantly or within minutes. Once you’ve reviewed your options and chosen a card on our website, click the green “Apply Now” button, which will take you directly to Capital One’s website to complete your application.

Can you have more than one Capital One credit card?

Yes, you can! In fact, it’s not uncommon to have multiple Capital One cards for different purposes. For example, you might have a Capital One card for frequent flyers in addition to your everyday cashback card. There are so many benefits to experience across multiple Capital One cards that it can be hard to choose one. 

What is the best Capital One credit card?

It’s challenging to narrow it down to just one since every Capital One card shines in different ways. What’s best for one person may not be the best option for someone else, and it depends on what you plan on using the card for. For example, if you are looking for a card with special perks for travelers, you may want to consider one of Capital One’s airline-specific or general travel rewards cards. 

Is it hard to get a Capital One credit card?

It depends. Some Capital One cards have higher approval odds than others. Since Capital One has a wide variety of cards to choose from, you’re likely to find one within your credit range. It’s crucial to look at a card's “suggested credit score” before making your choice — because applying and getting rejected may slightly ding your credit score. 

Here are the credit score ranges to help you estimate your chances of approval for a Capital One card:

• Excellent 750+
• Good 700-749
• Average/Fair: 630-699
• Bad/Limited: 300-629

How to get a Capital One credit card increase?

Some Capital One cards automatically consider you for a credit line increase after a certain amount of time (usually 6-12 months) — however, you can always call and request one sooner. Keep in mind this may result in a hard inquiry on your credit report. 

Credit increases are generally granted after you’ve proven yourself as a dependable borrower, for example, if you’ve made several on-time payments in a row. You may also receive a credit line boost if your income increases since you first got your card.

Is Capital One a good credit card for beginners?

Capital One offers excellent choices for those just beginning their credit journeys as well as more seasoned users. A key advantage of Capital One’s selection of beginner cards is that very few of them carry an annual fee. It’s not uncommon to see other companies charging yearly fees on their credit cards for beginners — but you can rest easy knowing your Capital One card likely isn’t one of them.