Best Capital One Cards - Calculate Rewards & Compare

May 2022
Find out which Capital One credit cards can earn you the most rewards based on your spend. Compare results side by side and review card benefits to see which cards offer you the best value.
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Last Updated 2022-02-20

Capital One offers a good amount of cash back and travel rewards credit cards to choose from. Review the best Capital One credit cards and calculate which cards can earn you the most rewards and best return on your spend.

Best For Flexible Travel Rewards
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Annual Fee: $95
60,000 Miles
Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Best For Flexible Rewards With No Annual Fee
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Annual Fee: $0
20,000 Miles
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Best For Dining & Entertainment
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Annual Fee: $0
$200 Cash Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Best For International Spending
Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Annual Fee: $0
$200 Cash Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Best For Walmart Shoppers
Capital One® Walmart Rewards® Mastercard®
Capital One® Walmart Rewards® Mastercard®
Annual Fee: $0
Earn 5% Back
Earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One Walmart Rewards® Card with Walmart Pay.
Best Cash Back Card For High Spend
Capital One Spark Cash Plus
Capital One Spark Cash Plus
Annual Fee: $150
Up To $1,000 Cash Bonus
Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
Best No Annual Fee Cash Back Business Card
Capital One Spark Cash Select for Business
Capital One Spark Cash Select for Business
Annual Fee: $0
$500 Cash Bonus
Earn a $500 cash bonus when you spend $4,500 in the first 3 months.
Best For Flexible Business Rewards
Capital One Spark Miles for Business
Capital One Spark Miles for Business
Annual Fee: $0 the first year, then $95
50,000 Miles
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

Capital One offers a good selection of rewards cards that earn either cash back or miles with the majority of their cards offering a flat rate of rewards per dollar spent meaning that you don't have to worry about keeping up with bonus categories.

Another big plus to Capital One credit cards is that every card they offer has a 0% foreign transaction fee so you'll be able to use the card worldwide without worrying about being penalized for foreign transactions.

Rewards earned with Capital One are easily redeemed by using them to wipe out purchases made to your card, using them towards travel, or using them towards other rewards such as gift cards.

If you're looking for a simple rewards program that offers great rewards, you'll want to consider picking up a Capital One credit card.

This page details our top picks for the best Capital One credit cards from our partners. You can use the calculator to estimate which Capital One credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time.

You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.

Best For Flexible Travel Rewards

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Card Overview: The Capital One Venture Rewards Credit Card earns an unlimited 2X miles on every purchase, every day.

It offers up to $100 towards a Global Entry or TSA Pre✓® application which is great if you frequently travel.

The card has no foreign transaction fees and your rewards can be redeemed towards travel with no blackout dates. This includes flights, vacation rentals, car rentals, hotels, and more.

On top of that, you can transfer your miles to more than 15 travel loyalty programs for more value.

Worth The Fee? The best thing about the Capital One Venture Rewards Credit Card is that rewards can be put towards any kind of travel charged to the card.

This includes tolls, parking costs, and other small miscellaneous travel purchases in which redeeming rewards with other top travel programs would yield lower value.

Another big plus is that you can transfer your earned miles to Capital One's airline and hotel programs to get more value out of your rewards.

Overall, the Capital One Venture Rewards Credit Card is a great option if you're looking for a one-card-fits-all for earning rewards worldwide redeemable towards any kind of travel.

Best For Flexible Rewards With No Annual Fee

Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card

Card Overview: The Capital One VentureOne Rewards Credit Card is a great option if you're looking to build travel rewards without worrying about an annual fee.

It earns an unlimited 1.25X miles on all purchases and rewards can be redeemed towards travel with no blackout dates. The card also has no foreign transaction fee which means you can earn miles spending worldwide with no penalty.

Worth It? If you value these miles at their average value of 1 cent each, the Capital One VentureOne Rewards Credit Card will be the better option over the Capital One Venture Rewards Credit Card if you plan on spending less than $1,100 per month across the card.

If you plan on spending more than $1,100 per month, the annual fee version will earn you a better return on your overall spending.

Also, if you know how to squeeze more than 1 cent in value out of Venture Miles when transferring to Capital One's airline and hotel partners, you may want to consider the Venture Card.

Best For Dining & Entertainment

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Card Overview: If you're big on dining and entertainment, then you'll want to pick up the Capital One SavorOne Cash Rewards Credit Card.

It earns an unlimited 3% cash back on dining, entertainment, and popular streaming service, 2% back at grocery stores, and 1% back on everything else.

The card has no annual fee and no foreign transaction fee which means you'll be earning a great return on your spend no matter where you're spending at.

Worth It? If you spend a lot across dining and entertainment, the Capital One SavorOne Cash Rewards Credit Card will be worth picking up.

This card works wonders on earning rewards across both categories whether you're spending locally or internationally.

It's a great card to have and I recommend pairing it with the Capital One Quicksilver Cash Rewards Credit Card if you're looking for a great cash back credit card combo.

Best For International Spending

Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card

Card Overview: The Capital One Quicksilver Cash Rewards Credit Card is one of the most popular cash back credit cards on the market.

It earns an unlimited 1.5% cash back on all purchases ran through the card and has no annual fee, no authorized user fee, and no foreign transaction fee.

It's one of the best credit cards to have if you're looking to earn easy and simple cash back rewards that you can redeem for just about anything.

Worth It? The Capital One Quicksilver Cash Rewards Credit Card is a great card to keep in your wallet as it's a simple, hassle-free credit card that earns a great return on your spend.

There's no worrying about bonus categories, annual fees, or foreign transaction fees. Just swipe your card, collect your rewards, and go about your business.

Pair this card with the Capital One SavorOne Cash Rewards Credit Card and you'll have yourself a great two-card combination for earning some great cash back.

Best For Walmart Shoppers

Capital One® Walmart Rewards® Mastercard®
Capital One® Walmart Rewards® Mastercard®

Card Overview: The Capital One Walmart Rewards Mastercard is the best credit card for cash back rewards on your Walmart spending.

It earns 5% cash back on Walmart.com purchases, 2% back on in-store Walmart purchases, restaurants and travel purchases, and Walmart and Murphy USA Fuel Station purchases, and 1% back on everything else.

Rewards earned with the card can be redeemed for cash back, statement credits, recent purchases in and out of Walmart, and more. The card has no annual fee and no foreign transaction fee.

Worth It? There are several cards that have rotating bonus categories which features Walmart during the year, but if you're looking to earn a great return on your spend throughout the whole calendar year, you can't beat the Capital One Walmart Rewards Mastercard.

Plus, it can be used internationally thanks to the 0% foreign transaction fee which means it can double as a good travel card option.

Best Cash Back Card For High Spend

Capital One Spark Cash Plus
Capital One Spark Cash Plus

Card Overview: If you're looking for a great flat-rate cash back business card, look towards the Capital One Spark Cash Plus.

It earns an 2% cash back on all purchases ran through the card with no cap on how much you can earn. The card also has no preset spending limit and has no foreign transaction fee which makes it great if your business frequently makes international purchases.

The Spark Cash Plus also offers an annual $200 cash bonus every year that you spend $200,000 which is great if you plan on running heavy spend through the card.

Worth The Fee? The Capital One Spark Cash Plus Card has a $150 annual fee.

If you plan on spending more than $30,000 per year ($2,500 per month), you'll easily be able to make up for the annual fee and earn a return on your spend that is better than the no-annual fee Capital One Spark Cash Select.

This is one of the best flat rate earning business cards on the market for businesses with high spend, so if you're looking for easy, no-hassle rewards, it's well worth the annual fee.

Best No-Annual Fee Cash Back Card

Capital One Spark Cash Select for Business
Capital One Spark Cash Select for Business

Card Overview: The Capital One Spark Cash Select for Business is one of the best no-annual fee cash back business credit cards available.

It earns an unlimited 1.5% cash back on all purchases, has no annual fee, and has no foreign transaction fee.

Worth It? If you're looking to earn easy rewards on your business spend, the Capital One Spark Cash Select for Business is a great option. It will be the better option over the Capital One Spark Cash Plus if your business spends less than $30,000 per year ($2,500 per month).

Best For Flexible Business Rewards

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Card Overview: The Capital One Spark Miles for Business is one of the best business rewards credit cards on the market thanks to it's unlimited 2X miles on all purchases and 0% foreign transaction fee.

Miles earned with the card can be transferred to over 15 travel loyalty programs which adds significant value to the card.

The Spark Miles for Business also offers up to a $100 statement credit towards a Global Entry or TSA Pre✓® application fee and employee cards are free to add.

Worth The Fee? The Capital One Spark Miles for Business has no annual fee the first year, then $95 thereafter.

I recommend picking up this card only if you plan on transferring your earned miles to Capital One's 15+ airline and hotel partners.

If you don't plan on transferring rewards, you'll be better off with the Capital One Spark Cash Plus as you'll earn the same return of 2%, but have more flexibility by not being locked to travel redemptions only.

Best Capital One Credit Cards Summary

Credit Card Best For Annual Fee
Capital One Venture Rewards Credit Card Flexible Travel Rewards $95
Capital One VentureOne Rewards Credit Card Flexible Rewards With No Annual Fee $0
Capital One SavorOne Cash Rewards Credit Card Dining & Entertainment $0
Capital One Quicksilver Cash Rewards Credit Card International Spending $0
Capital One® Walmart Rewards® Mastercard® Walmart Shoppers $0
Capital One Spark Cash Plus High Business Spend $0 the first year, then $95
Capital One Spark Cash Select for Business Business Cash Back $0
Capital One Spark Miles for Business Flexible Business Rewards $0 the first year, then $95

Calculate Capital One Credit Card Rewards

Use the rewards calculator to get an idea of which Capital One credit cards will earn you the most rewards and best return based on your spend.

Results will consist of top-rated Capital One credit cards from our partners. They will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees.

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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

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