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So, your Capital One credit cards may one day run on the Discover network, but it likely won't happen anytime soon. If this happens, your card's acceptance rates, perks and rewards may change.

However, Capital One is unique in its focus on offering credit to lower-credit-quality customers. That includes both credit cards and, to a lesser degree, car loans. Image source: Getty Images.

We rounded up the best credit cards that can help you build credit, save on interest charges and earn you valuable rewards.