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Best Capital One Credit Cards

Top Picks & Capital One Rewards Calculator
Find the best Capital One credit card for your needs with our easy-to-use calculator. Compare rewards, fees, and more to make an informed decision.
By Robert Flowers III - 2023-11-20

Capital One offers top-notch cash back and travel rewards credit cards that earn rewards at a flat-rate across most purchases. This makes them an excellent choice for anyone who prefers focusing on earning rewards using one credit card versus putting together a combination of multiple cards to maximize rewards.

Here's our top credit card picks for best Capital One Rewards credit cards:

Get Matched With The Best Credit Cards.

Quickly find the perfect credit card tailored to your unique spending habits and financial needs.

Input your monthly and yearly spend amounts into our calculator tool and be on your way to earning more rewards today!


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: $300 annual credit for bookings 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 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 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.

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 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 Business Card For High Spend
  • Earning Rate: Earn an unlimited 2% cash back on all purchases.
  • Annual Credits: Get your $150 annual fee refunded every year you spend at least $150,000.
  • Main Highlights: No foreign transaction fee.
  • Intro Bonus: $1,200 cash back once you spend $30,000 in the first 3 months
  • Annual Fee: $150.
  • 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.
  • 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 – 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.

Capital One Rewards Calculator: Which Card Is Best For You?

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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Calculator Options
What Type of Rewards Do You Want To Earn?
This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.
Frequent Flyer Programs
Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.
Hotel Loyalty Programs
Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.
Other Loyalty Programs
Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Include Intro Bonuses?
If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met 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 due to the complexity of some spend requirements.
Enter Your Monthly & Yearly Spend Amounts
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Deletes all categories in the Category Spending section so you can start fresh.
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.
Category Currently Selected:
Spend Region:
About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

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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.