Best Capital One Rewards Credit Cards

October 2022
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 2022-08-17 By R.Flowers III

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.

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Best For Unlimited Miles On Purchases

The Venture X Rewards Credit Card is Capital One's premium rewards card for earning unlimited miles on day-to-day purchases. You'll earn a whopping 10 Venture Miles per $1 spent on hotels and car rentals booked via Capital One Travel, 5 miles per $1 on flights booked through Capital One Travel, and 2 miles per $1 spent on all other purchases.

The card also offers an annual $300 statement credit that is good for bookings made through Capital One Travel, an annual bonus of 10,000 miles on your account anniversary, access to both Capital One lounges and Priority Pass lounges, and up to $100 towards a Global Entry or TSA PreCheck® application.

Miles earned with the card are worth 1 cent each when redeemed for travel purchases made to the Venture X Rewards Credit Card or through Capital One Travel. Miles can also be transferred to airline and hotel programs which can give you as much as 2 cent per point in value.

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.

Best For Flexible Travel Rewards

The Capital One Venture Rewards Credit Card earns 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel and an unlimited 2 miles per $1 spent on all other purchases.

It offers up to $100 towards a Global Entry or TSA PreCheck® 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.

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.

Best For Flexible Rewards With No Annual Fee

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.

If you value Capital One Miles at their easiest face value of 1 cent per point and you plan on spending more than $1,100 per month, the Venture Card will earn you a better return on your overall spending. If you value Venture Miles higher than 1 cent, the Venture and Venture X will start to become the better option with even lower spend.

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.

Best For Dining & Entertainment

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. It 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.

Overall, the SavorOne is 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.

Intro 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

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.

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.

Intro 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®

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.

Intro Bonus: 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

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.

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.

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.

Best No-Annual Fee Cash Back Card

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

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.

The Spark Cash Select for Business 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).

Intro Bonus: Earn a $500 cash bonus when you spend $4,500 in the first 3 months.

Best For Flexible Business Rewards

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.

It also offers up to a $100 statement credit towards a Global Entry or TSA PreCheck® application fee and employee cards are free to add.

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

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.

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.

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 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.

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.