Best Capital One® Credit Cards for 2022

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Why Capital One®?

Capital One credit cards are favorites for a reason. Their diverse card selection appeals to all types of consumers — whether you want to build credit or earn rewards on everyday spending or travel.

With many Capital One cards to choose from, it can be challenging to know which one is right for you. Pasha Funding reviewed dozens of options to narrow down some of the best Capital One credit cards available today.

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Best Capital One® Credit Cards

Capital One
Capital One Platinum Credit Card

Capital One Platinum Credit Card

Best for: Building credit
Welcome bonus: none
APR: 26.99% (Variable)
Annual fee: None
Suggested credit score: Average/Fair

Our take: The Capital One Platinum Credit Card is a convenient and affordable option for consumers looking to build credit. The card carries no annual or foreign transaction fees and allows you to choose your payment due date. 

Additionally, the Capital One Platinum Credit Card comes with free credit monitoring — a service not offered by many of its competitors. You can grow with this card since you are automatically considered for credit line increases as you continue to build your credit and prove yourself as a reliable borrower.


- Be automatically considered for a higher credit line after 6 months
- Choose your due date
- No annual fee
- Fraud liability insurance in case you lose your card
- Travel with confidence with no foreign transaction fees
- Free credit score with CreditWise from Capital One
Capital One
Capital One Quicksilver Student Cash Rewards Credit Card

Capital One QuicksilverOne® Cash Rewards Credit Card

Best for: Building credit while earning cashback
Welcome bonus: none
APR: 26.99% (Variable)
Annual fee: $39
Suggested credit score: Average/Fair/Limited

Our take: The QuicksilverOne® Cash Rewards card is an excellent pick for its category as is it allows you to improve your credit while earning a generous cashback rate on all purchases. With this card, you make 1.5% on every dollar you spend — not just at certain stores that may change from month to month. The many benefits of this card easily make up for its low $39 annual fee.


- Unlimited 1.5% cashback on every single purchase
- No need to enroll in rotating cash back categories
- You are considered for an automatic credit increase after 6 months
- Free credit monitoring through CreditWise
- Fraud liability insurance — so no worries if your card is lost or stolen
- Easily consolidate debt with a $0 balance transfer fee
Capital One
Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Best for: Earning cash rewards as a student
Welcome bonus: none
APR: 26.99% (Variable)
Annual fee: none
Suggested credit score: Average/Fair/Limited

Our take: The SavorOne Student Cash Rewards card from Capital One is an excellent credit-building tool for students. Its impressive 3% cashback rate in popular categories makes this card stand out among other student credit cards. This card also offers 8% cashback on tickets booked through Vivid Seats through January 2023.


- A student credit card with generous cash rewards and no annual fee
- 3% cashback on spending on dining, entertainment, supermarkets, and streaming services
- Unlimited 1% cashback on everything else $0 fraud liability if you lose your card
- Automatically considered for a credit line increase after 6 months of responsible use

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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.

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