Las mejores tarjetas de crédito Capital One

En pocas palabras

Si le preocupa que no le aprueben una tarjeta de crédito convencional o que le hayan rechazado en el pasado, Capital One Platinum Secured es una excelente opción. Es raro encontrar uno que no cobre una tarifa anual y Capital One revisará automáticamente su límite de crédito en tan solo seis meses.

En pocas palabras

Si le preocupa que no le aprueben una tarjeta de crédito convencional o que le hayan rechazado en el pasado, Capital One Platinum Secured es una excelente opción. Es raro encontrar uno que no cobre una tarifa anual y Capital One revisará automáticamente su límite de crédito en tan solo seis meses.

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Lo que nos gusta:

• Haga un depósito de seguridad reembolsable a partir de $49 para obtener una línea de crédito inicial de $200.

• Ser considerado automáticamente para una línea de crédito más alta en tan solo seis meses sin necesidad de depósito adicional.

• Sin tarifa anual ni tarifas por transacciones en el extranjero.

• No annual or hidden fees. See if you're approved in seconds
• Building your credit? Using the Capital One Platinum Secured card responsibly could help
• Put down a refundable security deposit starting at $49 to get a $200 initial credit line
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app

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Card features:

• Annual fee :$0.
• APR range :26.99% (Variable).
• Introductory APR :N/A.
• Sign-up bonus :N/A.
• Rewards :N/A.
• Other features :Reports, to all three major credit bureaus; $200 initial credit line with a refundable deposit of $49, $99 or $200;a chance to increase your credit line by either increasing your security deposit, or automatically be considered for a higher credit limit in as little as six months; the card will not have “secured” printed on it; no annual fee.

Why the Capital One Platinum Secured Credit Card is good for bad credit

The Capital One Platinum Secured Credit Card helps you to improve your credit scores by reporting your payment history to all three major credit bureaus. As you make your payments on time, your credit scores will rise. Eventually, you’ll be able to apply for unsecured cards with more generous benefits. In the meantime, the card won’t say “secured”, and there’s no annual fee to pay.

How to use the Capital One Platinum Secured Credit Card

Plan to make your monthly payments on time each and every month. That’s how you’ll get a boost in your credit score. But you’ll also have your credit limit reviewed automatically in as little as six months. You can also increase your credit limit by adding to your security deposit.

Why you might not want to consider the Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card is an outstanding card for consumers with bad credit. But if you have average credit, you may be better served with the Capital One QuicksilverOne Card, which offers cash back rewards and doesn’t require a security deposit (see description above).

Capital One Savor Cash Rewards Credit Card

Card features:

• Annual fee :$95.
• APR range :16.24% - 24.24% (Variable).
• Introductory APR :N/A.
• Sign-up bonus :$300 cash bonus after spending $3,000 in purchases within three months of opening your account.
• Rewards :Unlimited 4% cash back on dining, entertainment, and popular streaming services, plus 3% at grocery stores (excluding superstores like Walmart® and Target®), and 1% on all other purchases.
• Other features :Rewards don’t expire, and can be redeemed for any amount; no foreign transaction fees.

Why the Capital One Savor Cash Rewards Credit Card is good for general rewards

What makes the Capital One Savor Cash Rewards Credit Card stand out as a general rewards card is that it offers enhanced cash back on spending categories you are likely to take advantage of.

As well, rewards can be redeemed for any amount – there’s no need to wait until you reach a certain threshold. This is one of the simplest rewards cards in the entire credit card industry (note that you do need good credit to apply).

How to use the Capital One Savor Cash Rewards Credit Card

You’ll obviously want to favor dining and entertainment purchases since they’ll fetch 4% cash back. And you’ll probably have no difficulty whatsoever taking advantage of grocery purchases, with 3% cash back. Otherwise, you can use the card for all other purchases, and earn unlimited 1%.

Why you might not want to consider the Capital One Savor Cash Rewards Credit Card

If you’re looking for a 0% introductory APR balance transfer card, Capital One is not your issuer. They currently aren’t offering any intro APRs on their Savor and Venture products.

If you have high-interest credit cards you want to transfer, you’re best served to look elsewhere.

Descargo de responsabilidad – The information about the Capital One Savor Cash Rewards Credit Card has been collected independently by MoneyUnder30.com. El emisor de la tarjeta no ha revisado ni aprobado los detalles de la tarjeta.

Cómo creamos esta lista

Capital One credit cards offer a lot of benefits within the group. In determining which card was best for each category, we considered the following criteria:

• Annual fee.
• Other fees (balance transfer, foreign transactions, etc.)
• APR range.
• 0% introductory APR offer.
• Sign-up bonus (how much and the requirements for qualification.)
• Rewards.
• Rewards restrictions or enhancements.
• Specific travel perks.
• Credit requirements, especially for average, impaired, or bad credit.
• Suitability for students.
• Business credit card perks.

Most cards offer several of the above features but at different levels. We made our “best for” recommendations based on the area where each card stood out as being at least slightly better than the others.

How to determine which Capital One Credit Card will be the best credit card for you

Since Capital One offers so many credit cards, it can be difficult to decide which Capital One credit card will work best for you. But start by determining the top two or three factors that mean the most to you.

Get a cash back card if you want the highest rewards

For example, if you’re most interested in rewards, choose a card that offers the most generous cash back, points, or miles – particularly if they can be earned with unrestricted purchases.

However, if you do have certain spending categories you favor, you may want to lean toward a card that pays the most generous rewards in that particular category.

Capital One has plenty of credit-building cards

Naturally, if you have impaired or bad credit, you’ll only be able to apply for the cards that are available in those categories. And Capital One offers three cards that provide you with the ability to improve your credit, so that you’ll be able to go on to apply for more generous cards later.

For example, they report to all three major credit bureaus, allow you to increase your credit limit after making the first six payments on time, and may not require an annual fee.

Don’t get sucked in by a sign-up bonus

But when it comes to benefits like a sign-up bonus or a 0% introductory APR, be careful not to give these perks too much weight. After all, they’re temporary!

A solid strategy is to choose a card that offers one or both benefits, but also generous ongoing rewards and other benefits that will best match your spending patterns.

The Best Capital One Credit Cards FAQ

Resumen

There are a lot of credit cards to sort through on this list! That’s why we’ve provided the table below to summarize the basic features of all the best Capital One credit cards:

Leer más:

• Capital One Venture Rewards Card Review – Double Miles On Every Purchase
• Unique Benefits Offered By Capital One Credit Cards

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