The Best Capital One Credit Cards of 2021

Search for the best Capital One credit cards, calculate total rewards and cash value of cards based on spend, and compare side by side top rewards cards.

Capital One offers a good amount of cash back and travel rewards credit cards to choose from. The majority of their cards offer a flat rate of rewards per dollar spent across all purchases which means 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.

Capital One Venture Rewards Credit Card
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Capital One VentureOne Rewards Credit Card
Rewards Rates
1.25X
Earn an unlimited 1.25X miles per $1 spent on every purchase, every day.
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
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 1.25X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn.
  • Use your miles to fly any airline, stay at any hotel, anytime.
  • Transfer your miles to over 15+ travel loyalty programs
Capital One SavorOne Cash Rewards Credit Card
Rewards Rate
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases
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
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee
Capital One Quicksilver Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Capital One® Walmart Rewards® Mastercard®
Rewards Rate
5%
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
2%
Earn 2% cash back on purchases in Walmart stores, restaurants and travel purchases
2%
Earn 2% cash back at Walmart and Murphy USA Fuel Stations
1%
Earn 1% cash back on all other purchases everywhere else Mastercard® is accepted
Intro Bonus
Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
  • No annual fee and no foreign transaction fees
Capital One Spark Miles for Business
Rewards Rates
2X
Earn unlimited 2X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
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
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2X miles on all purchases
Capital One Spark Cash for Business
Rewards Rate
2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Purchase above your credit limit with no hassle and no over-limit fees
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees
Capital One Spark Cash Select for Business
Rewards Rate
1.5%
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No annual fee and no foreign transaction fees

Best Capital One Credit Cards of 2021

Credit Card Best For Annual Fee Rewards Calculator
Capital One Venture Rewards Credit Card Travel Rewards $95 Calculate
Capital One VentureOne Rewards Credit Card Travel Rewards with No Annual Fee $0 Calculate
Capital One SavorOne Cash Rewards Credit Card Dining & Entertainment $0 Calculate
Capital One Quicksilver Cash Rewards Credit Card Cash Back Worldwide $0 Calculate
Capital One® Walmart Rewards® Mastercard® Walmart Spend $0 Calculate
Capital One Spark Miles for Business Business Travel $0 the first year, then $95 Calculate
Capital One Spark Cash for Business Cash Back on Business Spend $0 the first year, then $95 Calculate
Capital One Spark Cash Select for Business Small Businesses $0 Calculate

Best For Travel Rewards: 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. The card 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 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 travel.

Calculator: Capital One Venture Rewards Credit Card Cash Value Calculator

Best For Travel Rewards with No Annual Fee: 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 Picking Up? 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 cards. 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.

Calculator: Capital One VentureOne Rewards Credit Card Cash Value Calculator

Best For Dining & Entertainment: 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 and entertainment purchases, 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 Picking Up? 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.

Calculator: Capital One SavorOne Cash Rewards Credit Card Cash Value Calculator

Best For Cash Back Worldwide: 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 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 Picking Up? Yes. The Capital One Quicksilver Cash Rewards Credit Card is a great card to keep in your wallet as it's just 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. Pair this card with the SavorOne and you'll have yourself a great two-card combination for earning some great cash back.

Calculator: Capital One Quicksilver Cash Rewards Credit Card Cash Value Calculator

Best For Walmart Spend: 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 Picking Up? 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.

Calculator: Capital One® Walmart Rewards® Mastercard® Cash Value Calculator

Best For Business Travel: Capital One Spark Miles for Business

Card Overview: The Capital One Spark Miles for Business is one of the best business 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 also be transferred to over 15 travel loyalty programs which adds significant value to the card. The card offers up to $100 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. Otherwise, you'll be better off with the Capital One Spark Cash for Business as you'll earn the same return of 2%, but have more flexibility by not being locked to travel redemptions only.

Calculator: Capital One Spark Miles for Business Cash Value Calculator

Best For Cash Back on Business Spend: Capital One Spark Cash for Business

Card Overview: If you're looking for a great flat-rate cash back business card, look towards the Capital One Spark Cash for Business. It earns an unlimited 1.5% cash back on all purchases ran through the card. It also has no foreign transaction fee which makes it great if your business frequently makes international purchases. Employee cards can be added for free and they'll also earn an unlimited 2% back on all purchases. Since it's cash back, your rewards can pretty much be redeemed towards anything.

Worth The Fee? The Capital One Spark Cash for Business Card has no annual fee the first year, then $95 thereafter. If you plan on spending more than $19,000 per year (roughly $1,584 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 for Business. This is one of the best flat rate earning business cards on the market, so if you're looking for easy, no-hassle rewards, it's worth the annual fee.

Calculator: Capital One Spark Cash for Business Cash Value Calculator

Best For Small Businesses: 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 The Picking Up? If you're looking to earn easy rewards on your business spend, the Capital One Spark Cash Select for Business can easily be worth picking up. If you spend more than $19,000 per year (roughly $1,584 per month), you'll want to consider picking up the Capital One Spark Cash for Business covered above.

Calculator: Capital One Spark Cash Select for Business Cash Value Calculator

Capital One Rewards

Capital One offers a few co-branded credit cards, but they also offer their own cash back rewards and Capital One Miles programs.

Capital One Venture and Spark Rewards

Capital One has two mile-earning rewards programs: Capital One Venture Rewards and Capital One Spark Rewards. Both programs pretty much operate the same with the Venture Rewards program being tied to Capital One's personal credit cards and the Spark Rewards program being tied to Capital One's business credit cards. Miles earned in either program can be redeemed towards travel purchases made towards the card or through Capital One. They can also be transferred to over 15 airline and hotel partners for a chance at even more value. The table below lists the most common redemptions and the average value you can get out of each.

Capital One Miles Value
Avg. Value of 1 Mile Redemption
$0.012 to $0.02+ Transferring To Partners
$0.01 Travel Redemptions
$0.005 Cash Back

Capital One Cash Back

Capital One offers three families of cash back credit cards. The Savor family of cards offers cash back on dining, entertainment, and grocery purchases, the Quicksilver family of cards offers a flat rate of 1.5% cash back on all purchases, and the Spark family of business cards offers various flat rates of cash back on all purchases. All of these cards are solid options if you're looking to earn rewards that can be put towards just about anything. In addition to that, all of these cards have no foreign transaction fee so you can use them to earn cash back worldwide with no penalty.

Comparing Capital One Credit Cards

Deciding on the best Capital One credit card will depend on the type of rewards you're looking for. If you're looking to earn rewards that give you excellent value towards travel, you'll want to consider picking up Venture and Spark Rewards credit cards. If you're big on rewards that you for just about anything, you'll want to consider picking up credit cards from the Savor, Quicksilver, or Spark Cash families. Listed below are a few credit card comparison calculators for Capital One credit cards. You can compare the benefits and calculate the cash value of the compared cards based on spend, the value of benefits, and annual fees.

Best Capital One Credit Cards By Spend Calculator

The Best Capital One Credit Cards By Spend Calculator will give you an idea of which Capital One credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated Capital One credit cards from our partners.

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Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value.

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Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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