Calculator: Best Capital One Credit Cards

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 or use our Capital One Rewards Calculator to find out which cards will earn you the most rewards based on the monthly and yearly spend amounts you enter into our tool.

Best Capital One Credit Cards

Capital One Venture X Rewards Credit Card: Best premium card for unlimited miles on purchases.
Capital One Venture Rewards Credit Card: Best for 2X miles on purchases.
Capital One VentureOne Rewards Credit Card: Best for flexible rewards with no annual fee.
Capital One SavorOne Cash Rewards Credit Card: Best for dining & entertainment.
Capital One Quicksilver Cash Rewards Credit Card: Best for flat-rate cash back.
Capital One Spark Cash Plus: Best cash back business card for high spend.
Capital One Spark Cash Select for Business: Best for business cash back at no annual fee.
Capital One Spark Miles for Business: Best for flexible business rewards.

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.
Learn More about the Venture X Rewards Credit Card.
Calculate Card Value & Venture Miles per dollar spent for the Venture X Rewards Credit Card.

Capital One Venture Rewards Credit Card

Best For 2X miles on purchases

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.
Learn More about the Venture Rewards Credit Card.
Calculate Card Value & Venture Miles per dollar spent for the Venture Rewards Credit Card.

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.
Calculate Card Value & Venture Miles per dollar spent for the VentureOne Rewards Credit Card.
This card is unavailable through The Point Calculator.

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.
Calculate Card Value & Cash Back per dollar spent for the Capital One SavorOne Cash Rewards Credit Card.
This card is unavailable through The Point Calculator.

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.
Learn More about the Capital One Quicksilver Cash Rewards Credit Card.
Calculate Card Value & Cash Back per dollar spent for the Capital One Quicksilver Cash Rewards Credit Card.

Capital One Spark Cash Plus

Best Cash Back Business 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).
Learn More about the Capital One Spark Cash Plus.
Calculate Card Value & Cash Back per dollar spent for the Capital One Spark Cash Plus.

Capital One Spark Cash Select for Business

Best No-Annual Fee Cash Back Card

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).
Calculate Card Value & Cash Back per dollar spent for the Capital One Spark Cash Select for Business Card.
This card is unavailable through The Point Calculator.

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 – equal to $500 in travel – 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.
Learn More about the Capital One Spark Miles for Business Card.
Calculate Card Value & Spark Miles for the Capital One Spark Miles for Business Card.

Capital One 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.

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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.

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.

Best Credit Cards

Listed below are up to 10 of the best rewards credit cards based on the spend amounts you entered (when applicable).

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Rewards Cards

If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Co-branded credit cards offer benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many co-branded hotel cards offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee Cards

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

No Foreign Transaction Fee Cards

When you make a charge with your credit card outside of the U.S., many card issuers will charge you a foreign transaction fee which is typically around 3% of the purchase price. Luckily, many credit cards waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.

Looking for the best credit cards?

We've run the calculations for you and here are our top picks for best credit cards of 2023:

Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
Best for flexible travel rewards: Chase Sapphire Preferred® Card.
Best for everyday spend and travel: Citi Premier® Card.
Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
Best for dining and supermarkets: American Express® Gold Card
Best for business travel rewards: Ink Business Preferred® Credit Card.
Best cash back business card: Capital One Spark Cash Plus

Travel Cards Cash Back Cards Rewards Cards Business Cards

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Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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