<p><img src="https://static2.businessinsider.com/image/5dd85b74fd9db2584b3403d7-2037/credit cards 20.jpg" border="0" alt="finance money bank banking banking credit card credit score investment payment" data-mce-source="Crystal Cox/Business Insider"></p><p></p><bi-shortcode id="disclaimer" class="mceNonEditable" data-type="pointsguy"> </bi-shortcode><bi-shortcode id="summary-shortcode" data-type="summary-shortcode" class="mceNonEditable" contenteditable="false">Summary List Placement</bi-shortcode><h3>The best Capital One credit cards of 2021:</h3><ul class="summary-list"><li>Best for travel rewards: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e838c81671de01efa7b8f67">Capital One Venture Rewards Credit Card</bi-inline-shortcode></li><li>Best for cash back: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e83a4d30c2a6238e6052669">Capital One Quicksilver Cash Rewards Credit Card</bi-inline-shortcode></li><li>Best for dining and entertainment: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e8399cd487c226fc85f360d">Capital One Savor Cash Rewards Credit Card</bi-inline-shortcode></li><li>Best for intro APR: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e839a8b671de027e000749b">Capital One SavorOne Cash Rewards Credit Card</bi-inline-shortcode></li><li>Best business card for cash back: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e839b7e2ff8396921494835">Spark Cash from Capital One</bi-inline-shortcode></li><li>Best business card for travel: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e83a07fba85ee7a9813e126">Capital One Spark Miles for Business</bi-inline-shortcode></li><li>Best for building credit: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e83aa202d41c1772c689f07">Capital One Secured Mastercard</bi-inline-shortcode></li><li>Best for students: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e83a947487c227896575da2">Journey Student Rewards from Capital One</bi-inline-shortcode></li></ul><p>Capital One offers a wide variety of credit cards, from options that can help you build your credit to picks that earn valuable travel rewards. The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Venture Rewards card" data-shouldlink="true" data-pid="5e838c81671de01efa7b8f67">Capital One Venture Rewards Credit Card</bi-inline-shortcode> is especially popular thanks to its robust marketing budget and commercials featuring Jennifer Garner, but it's not necessarily the best Capital One card for you. At the end of the day, the best option is the one that fits with your spending style and your goals.</p><p>If you're in the market for a new credit card and haven't tried out a card from Capital One just yet, the issuer's offerings may be worth considering in 2021 and beyond. This is especially true if you've been on the fence about Capital One cards that earn miles, as the issuer continues to improve its rewards program, adding new options for using your rewards such as <a href="https://www.businessinsider.com/personal-finance/capital-one-new-hotel-transfer-partners-2020-2">hotel transfer partners</a>.</p><bi-shortcode id="disclaimer" class="mceNonEditable" data-type="pfifinancialresponsibility"> </bi-shortcode><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e838c81671de01efa7b8f67" data-type="undefined">Capital One Capital One Venture Rewards Credit Card</bi-shortcode><h2>Best for travel rewards: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Venture card" data-shouldlink="true" data-pid="5e838c81671de01efa7b8f67">Capital One Venture Rewards Credit Card</bi-inline-shortcode></h2><p><strong>Annual fee:</strong> $95 </p><p><strong>Sign-up bonus:</strong> <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e838c81671de01efa7b8f67">Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening</bi-inline-shortcode>. </p><p><strong>Earning structure:</strong> 2 miles for each dollar you spend, making it easy to rack up points without worrying about earning caps or rotating categories.</p><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Venture Rewards card" data-shouldlink="true" data-pid="5e838c81671de01efa7b8f67">Capital One Venture Rewards Credit Card</bi-inline-shortcode> earns rewards you can redeem for any type of travel at a rate of 1 cent per mile. You can also transfer miles to <a href="https://www.businessinsider.com/personal-finance/how-to-earn-and-redeem-capital-one-miles">Capital One's airline and hotel partners</a>, including Accor, Air Canada, Emirates, JetBlue, and Wyndham. The transfer ratio for airlines is less than optimal, however, so this is only a good option if you have your heart set on a specific redemption with one of their partners. </p><p>As a cardholder, you'll also receive free travel accident insurance, <a href="https://www.businessinsider.com/best-credit-cards-no-foreign-transaction-fees">no foreign transaction fees</a>, and a credit toward Global Entry or TSA PreCheck membership.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e83a4d30c2a6238e6052669" data-type="undefined">Capital One Capital One Quicksilver Cash Rewards Credit Card</bi-shortcode><h2>Best for cash back: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Quicksilver Rewards card" data-shouldlink="true" data-pid="5e83a4d30c2a6238e6052669">Capital One Quicksilver Cash Rewards Credit Card</bi-inline-shortcode></h2><p><strong>Annual fee:</strong> $0</p><p><strong>Sign-up bonus: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e83a4d30c2a6238e6052669">One-time $150 cash bonus once you spend $500 on purchases within 3 months</bi-inline-shortcode></strong></p><p><strong>Earning structure:</strong> 1.5% cash back on every purchase</p><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Quicksilver Rewards card" data-shouldlink="true" data-pid="5e83a4d30c2a6238e6052669">Capital One Quicksilver Cash Rewards Credit Card</bi-inline-shortcode> is for you if you want to earn cash back without paying an annual fee. This card lets you earn a flat rate of unlimited rewards, 1.5% back, so you'll never have to wonder about bonus categories or whether you've hit your rewards cap. Its sign-up bonus is also relatively generous and easy to earn.</p><p>On the redemption side of the equation, you can redeem your rewards for cash back at any time and in any amount. You can also cash in your points for gift cards. The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Quicksilver Rewards card" data-shouldlink="true" data-pid="5e83a4d30c2a6238e6052669">Capital One Capital One Quicksilver Cash Rewards Credit Card</bi-inline-shortcode> also comes with no foreign transaction fees on purchases made abroad.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e8399cd487c226fc85f360d" data-type="undefined">Capital One Capital One Savor Cash Rewards Credit Card</bi-shortcode><h2>Best for dining and entertainment: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Savor card" data-shouldlink="true" data-pid="5e8399cd487c226fc85f360d">Capital One Savor Cash Rewards Credit Card</bi-inline-shortcode></h2><p><strong>Annual fee: </strong>$95</p><p><strong>Sign-up bonus:<bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e8399cd487c226fc85f360d">Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months</bi-inline-shortcode></strong></p><p><strong>Earning structure:</strong> 4% cash back on dining and entertainment, 2% back at grocery stores, and 1% back on everything else you buy</p><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Capital One Savor card" data-shouldlink="true" data-pid="5e8399cd487c226fc85f360d">Capital One Capital One Savor Cash Rewards Credit Card</bi-inline-shortcode> is an enticing option thanks to its initial bonus and ongoing rewards, and that's especially true if you spend a lot on dining and entertainment each year. Even if you just spend a lot at the grocery store, earning 2% back is excellent as well.</p><p>You can redeem your rewards for cash back in any amount, and this card doesn't charge foreign transaction fees on purchases made outside the US.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e839a8b671de027e000749b" data-type="undefined">Capital One Capital One SavorOne Cash Rewards Credit Card</bi-shortcode><h2>Best for 0% APR: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One SavorOne card" data-shouldlink="true" data-pid="5e839a8b671de027e000749b">Capital One SavorOne Cash Rewards Credit Card</bi-inline-shortcode></h2><p><strong>Annual fee:</strong> $0</p><p><strong>Sign-up bonus:</strong> <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e839a8b671de027e000749b">Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months</bi-inline-shortcode></p><p><strong>Earning structure:</strong> Earn 3% back on dining and entertainment, 2% back at grocery stores, and 1% back on everything else you buy</p><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One SavorOne Rewards card" data-shouldlink="true" data-pid="5e839a8b671de027e000749b">Capital One SavorOne Cash Rewards Credit Card</bi-inline-shortcode> lets you rack up exceptional rewards on dining and entertainment as well as grocery purchases. This card also comes without an annual fee, which is a net positive if you want to keep your costs down.</p><p>If you have a large purchase you want to pay off over time, you'll be happy to know this card extends 0% APR on purchases and balance transfers for 15 months, followed by a <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5e839a8b671de027e000749b">15.49% - 25.49% variable APR</bi-inline-shortcode>. This card also comes with no foreign transaction fees.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e839b7e2ff8396921494835" data-type="undefined">Capital One Spark Cash from Capital One</bi-shortcode><h2>Best business card for cash back: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Capital One Spark Cash for Business" data-shouldlink="true" data-pid="5e839b7e2ff8396921494835">Capital One Spark Cash from Capital One</bi-inline-shortcode></h2><p><strong>Annual fee:</strong> $0 for the first year, then $95</p><p><strong>Sign-up bonus:</strong> <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e839b7e2ff8396921494835">$500 cash bonus once you spend $4,500 on purchases within the first 3 months</bi-inline-shortcode></p><p><strong>Earning structure: </strong>2% cash back on every purchase with no cap</p><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e839b7e2ff8396921494835">Capital One Spark Cash for Business</bi-inline-shortcode> is a straightforward card that earns you a solid 2% cash-back return on all your business spending. There aren't many bells and whistles, but if <a href="https://www.businessinsider.com/personal-finance/this-ceo-used-cash-back-credit-cards-to-grow-business-2019-7">putting cash back into your business</a> is your top priority, this is a great option.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e83a07fba85ee7a9813e126" data-type="undefined">Capital One Capital One Spark Miles for Business</bi-shortcode><h2>Best business card for travel: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="Capital One Spark Miles for Business" data-shouldlink="true" data-pid="5e83a07fba85ee7a9813e126">Capital One Spark Miles for Business</bi-inline-shortcode></h2><p><strong>Annual fee:</strong> $0 for the first year, then $95</p><p><strong>Sign-up bonus:</strong> <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e83a07fba85ee7a9813e126">50,000 miles once you spend $4,500 on purchases within the first 3 months</bi-inline-shortcode></p><p><strong>Earning structure:</strong> 2x miles on every purchase, and 5x miles on hotels and rental cars booked through Capital One Travel</p><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Capital One Spark Miles for Business" data-shouldlink="true" data-pid="5e83a07fba85ee7a9813e126">Capital One Capital One Spark Miles for Business</bi-inline-shortcode> has a reasonable annual fee, and it makes it easy to earn miles on every purchase without having to keep track of bonus spending categories. You have lots of options when it comes time to redeem your miles, and the card comes with an application fee credit of up to $100 for Global Entry or TSA PreCheck.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e83aa202d41c1772c689f07" data-type="undefined">Capital One Capital One Secured Mastercard</bi-shortcode><h2>Best for building credit: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Capital One Secured Mastercard" data-shouldlink="true" data-pid="5e83aa202d41c1772c689f07">Capital One Capital One Secured Mastercard</bi-inline-shortcode></h2><p><strong>Annual fee:</strong> $0</p><p>If you're trying to <a href="https://www.businessinsider.com/personal-finance/how-to-improve-credit-score">repair your credit score</a>, the Capital One Secured Mastercard is an ideal optionit's relatively easy to get approved for since you put down a security deposit when you open your card.</p><p>As a new cardholder, you'll put down a security deposit ($49, $99, or $200), which is refundable and determines your initial credit line. After you make your first five monthly payments on time, you can get access to a higher credit line.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e83a947487c227896575da2" data-type="undefined">Capital One Journey Student Rewards from Capital One</bi-shortcode><h2>Best for students: <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Journey Student Rewards" data-shouldlink="true" data-pid="5e83a947487c227896575da2">Capital One Journey Student Rewards from Capital One</bi-inline-shortcode></h2><p><strong>Annual fee: </strong>$0</p><p><strong>Sign-up bonus:</strong> None</p><p><strong>Earning structure:</strong> Earn 1% back on everything you buy, and boost your rewards to 1.25% back when you pay your bill on time</p><p>The Journey Student Rewards is geared to students who want to earn rewards while they build up their credit over time. This card gives you a flat 1.25% back when you pay your bill on time for the month, which isn't the best available today. But since this card is available to consumers with average credit, it's available to a broader selection of consumers who need help getting started.</p><p>The Journey Student Rewards doesn't charge an annual fee, and there are no foreign transaction fees, either.</p><p><em><strong>Read more:</strong> <a href="https://www.businessinsider.com/best-credit-cards-students-little-no-credit-history">The best credit cards for students</a></em></p><ul class="read-more-links"><li><bi-shortcode id="related-content-module" class="mceNonEditable" data-type="more-credit-card-coverage">Related Content Module: More Credit Card Coverage</bi-shortcode></li></ul><p><a href="https://www.businessinsider.com/personal-finance/best-capital-one-credit-cards#comments">Join the conversation about this story »</a></p> <p>NOW WATCH: <a href="https://www.businessinsider.com/economist-weighted-voting-could-help-save-us-democracy-2018-5">A top economist explains how weighted voting could change democracy</a></p>
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