Best Capital One Rewards Credit Cards

February 2023
Check out our top picks for best Capital One credit cards and use our calculator to find out which cards will earn you the most rewards.
Last Updated 2022-12-20 By R.Flowers III

Capital One offers a good amount of cash back and travel rewards credit cards to choose from. Review our best credit card picks for Capital One and calculate which cards will earn you the most rewards based on the monthly and yearly amounts you enter into our calculator.

Jump To Calculator

Capital One Venture X Rewards Credit Card

Best Premium Card For Unlimited Miles On Purchases
  • Earning Rate: Earn 10X Venture Miles on car rentals and hotel booked through Capital One Travel, 5X miles on airfare booked through Capital One Travel, and an unlimited 2X miles on all other purchases.
  • Annual Credits: Annual $300 in statement credits for bookings made through Capital One Travel and 10,000 bonus miles annually (worth $100 towards travel).
  • Main Highlights: Complimentary access to Capital One Lounges and Priority Pass Lounges, up to $100 towards Global Entry or TSA PreCheck application, and no foreign transaction fees.
  • Intro Bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
  • Annual Fee: $395.
  • Summary: The Venture X Card offers exceptional value when booking through their travel portal. We're talking a 5% to 10% return minimum on your spending with the chance to get even higher returns when you transfer your points to Capital One's airline and hotel partners and redeem miles for more than their standard value of 1 cent each.

Capital One Venture Rewards Credit Card

Best For Flexible Travel Rewards
  • Earning Rate: Earn 5X miles on hotels and car rentals booked through Capital One Travel and an unlimited 2X miles on all other purchases.
  • Main Highlights: Up to $100 towards Global Entry/TSA PreCheck and no foreign transaction fees.
  • Intro Bonus: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
  • Annual Fee: $95.
  • Summary: The Venture Card is an excellent option if you don't need the lounge access and the bonus points offered with the Venture X. It's a straightforward rewards card that you can use to earn valuable travel rewards worldwide.

Capital One VentureOne Rewards Credit Card

Best For Flexible Rewards With No Annual Fee
  • Earning Rate: Earn 5X miles on hotel and car rentals booked through Capital One Travel and an unlimited 1.25X miles on all other purchases.
  • Main Highlights: No foreign transaction fee.
  • Intro Bonus: Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
  • Annual Fee: $0.
  • Summary: The VentureOne Card is a solid option if you don't spend enough to make the Venture Card worth the annual fee. If you value Venture miles at the bare minimum of 1 cent apiece, this card will be the best option if you spend less than $1,100 per month on everyday purchases. If you spend more than that, you'll want to consider the Venture or Venture X.

Capital One SavorOne Cash Rewards Credit Card

Best For Dining & Entertainment
  • Earning Rate: Earn 5% back on Capital One Travel purchases, 3% cash back on dining, entertainment, popular streaming service, and at grocery stores, and 1% back on everything else.
  • Main Highlights: No foreign transaction fee.
  • Intro Bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
  • Annual Fee: $0.
  • Summary: The SavorOne Card is top-notch for unlimited cash back across popular categories which is great consider the card has no annual fee. Pair this card with the Capital One Quicksilver for a solid two-card combo or, for travel, pair it with the Venture or Venture X and convert your cash back to Venture miles for even more value.

Capital One Quicksilver Cash Rewards Credit Card

Best For Flat-Rate Cash Back
  • Earning Rate: Earn an unlimited 1.5% cash back on all purchases.
  • Main Highlights: No foreign transaction fee.
  • Intro Bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
  • Annual Fee: $0
  • Summary: The Quicksilver Card is a simple and straightforward 1.5% cash back credit card that you can use to earn rewards on purchases worldwide. Pair it with the SavorOne or Savor card for a strong cash back combo.

Capital One Spark Cash Plus

Best Cash Back Card For High Spend
  • Earning Rate: Earn an unlimited 2% cash back on all purchases.
  • Annual Credits: Annual $200 cash back every year that you spend $200,000 on the card.
  • Main Highlights: No foreign transaction fee.
  • Intro 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.
  • Annual Fee: $0 the first year, then $95.
  • Summary: The Spark Cash Plus Card rewards heavy spending. It's the better option over the Spark Cash Select if you plan on spending more than $30K per year ($2.5K/month).

Capital One Spark Cash Select for Business

Best No-Annual Fee Cash Back Card
Capital One Spark Cash Select for Business
  • Earning Rate: Earn an unlimited 1.5% cash back on all card purchases.
  • Main Highlights: No foreign transaction fee.
  • Intro Bonus: Earn a $500 cash bonus when you spend $4,500 in the first 3 months.
  • Annual Fee: $0.
  • Summary: The Spark Cash Select for Business is an excellent option if you're looking to earn cash rewards for your business at no annual fee. It is the better option over the Spark Cash Plus if you plan on spending less than $30K per year ($2.5K/month).

Capital One Spark Miles for Business

Best For Flexible Business Rewards
  • Earning Rate: Earn an unlimited 2X miles on all purchases.
  • Main Highlights: Up to $100 towards a Global Entry or TSA PreCheck application and no foreign transaction fees.
  • Intro Bonus: Earn a one-time bonus of 50,000 miles 鈥 equal to $500 in travel 鈥 once you spend $4,500 on purchases within the first 3 months from account opening.
  • Annual Fee: $0 the first year, then $95.
  • Summary: The Spark Miles for Business is a fantastic choice if you plan on transferring miles to Capital One's airline and hotel partners. If you don't, miles will be worth 1 cent each towards travel and at that point you would probably be better off earning cash back with Spark Cash Plus card so that you're not stuck redeeming rewards for travel only.

Best Capital One Credit Cards Summary

Credit Card Best For Annual Fee
Capital One Venture X Rewards Credit Card Flexible Travel Rewards $395
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 Best For Flat-Rate Cash Back $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

Capital One Credit Card Rewards Calculator

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.

Loading Calculator...
If the calculator doesn't load after a few seconds, click here to re-load calculator.
Category Spending
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Income Requirement
Income Type
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household.
Income Maximum
Select the maximum income requirement you want listed in your top picks.
Calculator Options
Personal & Business Cards
Select which type of credit cards appear in the results. You can choose from personal (consumer) credit cards, business credit cards, or both.
Include Intro Bonuses?
If set to yes, intro bonuses will be included in the calculations if you meet the monthly spend criteria based on what's entered into the tool. Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards.

Find out which credit cards will offer you the most value based on the spend amounts you entered

No Results. This is usually due to:

  • There's no good card options based on the spend entered.
  • The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

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.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards
Search Results Display Here