Best Capital One Cards 2021 - Calculate Rewards & Compare

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. Review the best Capital One credit cards and calculate which cards can earn you the most rewards and best return on your spend.

Best Capital One Credit Cards

Best Travel Credit Cards
Capital One Venture Rewards Credit Card
Best For Flexible Travel Rewards
Capital One VentureOne Rewards Credit Card
Best No-Annual Fee Card For Flexible Rewards
Best Cash Back Credit Cards
Capital One Quicksilver Cash Rewards Credit Card
Best For Earning Flat-Rate Cash Back Worldwide
Best Business Credit Cards
Capital One Spark Cash for Business
Best Flat-Rate Cash Back Card For High Spend
Capital One Spark Cash Select for Business
Best No-Annual Fee Flat-Rate Cash Back Card
Capital One Spark Miles for Business
Best Flat-Rate Rewards Card For Transferring Rewards

Capital One offers a good selection of rewards cards that earn either cash back or miles with the majority of their cards offering a flat rate of rewards per dollar spent meaning that 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.

This page details our top picks for the best Capital One credit cards from our partners. There's also a Rewards Calculator at the bottom of this page that you can use to estimate which Capital One credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. If you're looking for credit cards based on other criteria, you can check all of our best credit cards lists.

You can also use our Credit Card Finder Tool to search by spend across all credit cards in our database.

Best For Flexible Travel Rewards

Capital One Venture Rewards Credit Card
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.

It 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 Capital One's 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 any kind of travel.

Calculator: Capital One Venture Rewards Credit Card Cash Value Calculator

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
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
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
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
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best No-Annual Fee Card For Flexible Rewards

Capital One VentureOne Rewards Credit Card
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 It? 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 card.

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.

Also, if you know how to squeeze more than 1 cent in value out of Venture Miles when transferring to Capital One's airline and hotel partners, you may want to consider the Venture Card.

Calculator: Capital One VentureOne Rewards Credit Card Cash Value Calculator

Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
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
Rewards Rates
1.25X
Earn an unlimited 1.25X miles per $1 spent on every purchase, every day.
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Dining & Entertainment

Capital One SavorOne Cash Rewards Credit Card
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, entertainment, and popular streaming service, 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 It? 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

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Intro Bonus
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
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
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Earning Flat-Rate Cash Back Worldwide

Capital One Quicksilver Cash Rewards Credit Card
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, 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.

Worth It? The Capital One Quicksilver Cash Rewards Credit Card is a great card to keep in your wallet as it's 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. Just swipe your card, collect your rewards, and go about your business.

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.

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

Capital One Quicksilver Cash Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Intro Bonus
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Walmart Shoppers

Capital One® Walmart Rewards® Mastercard®
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 It? 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

Capital One® Walmart Rewards® Mastercard®
Capital One® Walmart Rewards® Mastercard®
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
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
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Flat-Rate Cash Back Card For High Spend

Capital One Spark Cash for Business
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 2% 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 for businesses with high spend, 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

Capital One Spark Cash for Business
Capital One Spark Cash for Business
Intro Bonus
Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
Rewards Rate
2%
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
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
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best No-Annual Fee Flat-Rate Cash Back Card

Capital One Spark Cash Select for Business
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 It? If you're looking to earn easy rewards on your business spend, the Capital One Spark Cash Select for Business is a great option. It will be the better option over the Capital One Spark Cash for Business if your business spends less than $19,000 per year (roughly $1,584 per month).

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

Capital One Spark Cash Select for Business
Capital One Spark Cash Select for Business
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Rewards Rate
1.5%
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Flat-Rate Rewards Card For Transferring Rewards

Capital One Spark Miles for Business
Capital One Spark Miles for Business

Card Overview: 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.

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

The Spark Miles for Business also offers up to a $100 statement credit 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.

If you don't plan on transferring rewards, 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

Capital One Spark Miles for Business
Capital One Spark Miles for Business
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
Rewards Rates
2X
Earn unlimited 2X miles per $1 spent for your business on every purchase, everywhere, no limits or category restrictions
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
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Capital One Credit Cards Summary

Credit Card Best For Annual Fee See All Available Offers
Capital One Venture Rewards Credit Card Best For Flexible Travel Rewards $95 Learn More
Capital One VentureOne Rewards Credit Card Best No-Annual Fee Card For Flexible Rewards $0 Learn More
Capital One SavorOne Cash Rewards Credit Card Best For Dining & Entertainment $0 Learn More
Capital One Quicksilver Cash Rewards Credit Card Best For Earning Flat-Rate Cash Back Worldwide $0 Learn More
Capital One® Walmart Rewards® Mastercard® Best For Walmart Shoppers $0 Learn More
Capital One Spark Cash for Business Best Flat-Rate Cash Back Card For High Spend $0 the first year, then $95 Learn More
Capital One Spark Cash Select for Business Best No-Annual Fee Flat-Rate Cash Back Card $0 Learn More
Capital One Spark Miles for Business Best Flat-Rate Rewards Card For Transferring Rewards $0 the first year, then $95 Learn More

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which 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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You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

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.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

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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Select one of the popular card categories below to get started on applying for the best credit cards in the market.
Updated 2021-06-25 By Robert Flowers III

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