Best Capital One Credit Cards

London, UK - 8 October 2018: Close up of a capital one credit debit loan finance wireless contactless bank card and chip.
David Cardinez / Shutterstock.com

Capital One offers banking services and is well-known for its simple and transparent credit card rewards structure. 

The best Capital One credit cards give you rewards that fit your lifestyle, spending habits and goals, whether it’s cash back from spending at your favorite restaurants or a big box store like Walmart. There are even specific credit cards for people who are building their credit scores. 

Capital One also has options geared to the frequent adventurer, with opportunities to earn as much as 10 miles per dollar for travel categories by booking through their travel portal, Capital One Travel. Plus, none of their cards come with foreign transaction fees

When choosing the best Capital One credit card, start with what matters to you, whether you want to accumulate miles and points for travel or earn cash back each time you swipe. 

Best Capital One Credit Cards

Here are some of the best Capital One credit cards to consider for your wallet.

1. Venture X Rewards Credit Card

  • Best for: Avid travelers who want robust opportunities to earn miles
  • Credit score: Excellent
  • Annual fee:
  • Rewards bonus: 75,000 miles after spending $4,000 in the first 3 months
Get Credit Card Perks

If you’re a high-spending frequent traveler, you’ll enjoy the many perks and offerings from the Capital One Venture X Rewards Credit Card. This card comes with a 75,000 introductory bonus and attractive rewards miles — from two to 10 miles — per $1 spent on purchases.

For those who want a more hefty way to earn miles and perks, the Capital One Venture X Rewards Credit Card offers an annual 10,000 bonus miles every year, 10x miles on hotels and rental cars booked through Capital One Travel and 5x miles for flights. Then, earn two miles per $1 on all of your other purchases. 

You also receive a $100 credit for Global Entry or TSA PreCheck.

2. Quicksilver Cash Rewards Credit Card

  • Best for: Spenders who want a straightforward rewards card without an annual fee
  • Credit score: Excellent
  • Annual fee:
  • Rewards bonus: $200 for new cardholders who spend $500 in the first 3 months 

This is an uncomplicated credit card for people who don’t want the hassle of tiers and different kinds of rewards and categories. With Capital One Quicksilver Cash Rewards Credit Card, you earn 1.5% cash back on everyday purchases. You can also grab cash back on hotels and rental cars when you book through Capital One Travel. 

Get Credit Card Perks

On top of that, there is an intro APR of 0% for 15 months on purchases and balance transfers, which can help if you want to pay off another credit card with high interest. This introductory period is followed by an APR of .

3. VentureOne Rewards Credit Card

  • Best for: Spenders who want sizable bonus miles but don’t want to pay an annual fee
  • Credit score: Excellent
  • Annual fee:
  • Rewards bonus: 20,000 miles after spending $500 in the first 3 months of account opening

For a solid travel card without an annual fee, look no further than the Capital One VentureOne Rewards Credit Card. This card gives you a whopping 20,000 miles — which is equivalent to $200 — in travel when you spend $500 in the first three months after opening the account.

You can earn five miles per $1 spent on hotels and rental cars booked through Capital One Travel. For everyday purchases, Capital One keeps it simple, offering you the ability to earn 1.25 miles.

4. Venture Rewards Credit Card

  • Best for: Travelers who want more robust travel perks and are okay with paying an annual fee
  • Credit score: Excellent
  • Annual fee:
  • Rewards bonus: 75,000 bonus miles after spending $4,000 in the first 3 months

As touted by A-list celebrities in Capital One’s catchy commercials, the Venture Rewards Card makes a great addition to any traveler’s wallet. The card comes with a simple, unlimited two miles per $1 spent on every purchase. 

Get Credit Card Perks

The annual fee of is reasonable, considering the perks — a $100 credit for Global Entry or TSA PreCheck, two complimentary Capital One Lounge passes and miles that never expire. 

5. SavorOne Rewards Credit Card

  • Best for: Foodies and entertainment aficionados
  • Credit score: Excellent
  • Annual fee: $0
  • Rewards bonus: $200 bonus after spending $500 in the first 3 months

A true delight for entertainment goers and foodies, the SavorOne Rewards Card from Capital One will earn 3% cash back on dining, entertainment and even on streaming services and grocery stores — excluding superstores like Walmart and Target. For everything else, it earns 1% back. 

The 10% cash back for rideshare can make getting this card worth it if you tend to spend regularly on Uber or Uber Eats. Plus, cardholders receive a complimentary Uber One membership through Nov. 14, 2024. 

If movies are your thing, expect to earn 8% cash back on Capital One Entertainment purchases. For travel buffs, get an unlimited 5% cash back on hotels and rental cars you book through Capital One Travel.

6. Walmart Rewards® Credit Card

  • Best for: Frequent Walmart shoppers
  • Credit score: Good-excellent
  • Annual fee: $0
  • Rewards bonus: 5% cash back when you spend inside a Walmart store the first 12 months

If Walmart is your go-to store, why not earn more on your purchases? The Capital One Walmart Rewards Card allows you to earn 5% cash back on all Walmart.com purchases. This includes picking up from the store or delivery. 

If you’re bummed about not being able to earn more than 2% while shopping inside the store, the card’s introductory offer allows you to earn 5% inside their physical locations for the first year after you open the card. 

Then, earn 2% cash back on purchases made inside Walmart stores, Murphy USA and Walmart gas stations. 

7. Journey Student Credit Card

  • Best for: Students
  • Credit score: Fair
  • Annual fee: $0
  • Rewards bonus: None

Students who are looking to establish credit may consider Journey Student Credit Card from Capital One, as you don’t need excellent credit to get approved. 

With this card, you can earn 1% cash back on everyday purchases and when you pay on time, you can boost your cash back to 1.25% for that month. 

You also have access to Capital One’s CreditWise, which gives you unlimited access to your credit score and tools to help monitor your credit. 

8. Platinum Mastercard®

  • Best for: Credit newbies
  • Credit score: Fair
  • Annual fee: $0
  • Rewards bonus: None

If you’re new to the credit world, it can be challenging to get approved for a high-rewards credit card. The Platinum Mastercard from Capital One is built for people who are establishing their credit. When you make on-time payments, Capital One will report your account information to the three major credit bureaus. 

You will also have free access to CreditWise, a free credit monitoring tool from Capital One. Once you use your card responsibly, you may be considered for a higher line of credit in six months. 

Using this card for your purchases also gives you credit card protection, including $0 fraud liability, which means you’re not responsible for unauthorized charges. 

9. QuicksilverOne Credit Card

  • Best for: Credit newbies
  • Credit score: Fair
  • Annual fee: $39
  • Rewards bonus: None

This is another option for people who are still in the phase of building their credit but want to also earn rewards. QuicksilverOne from Capital One has an annual fee of $39 but offers some rewards. 

The starting credit line is at $200, as long as you put down a deposit, which could be as low as $49. Perks include a 1.5% to 5% cash back on everyday purchases that allow you to earn as much as you want without an expiration date. 

You can also receive six months of an Uber One membership through Nov. 14, 2024, and an unlimited 5% cash back on hotels and car rentals booked through their portal, Capital One Travel. 

10. Quicksilver Secured Rewards

  • Best for: Those with bad credit who want to improve their credit standing and earn rewards
  • Credit score: Fair
  • Annual fee: $0
  • Rewards bonus: None

This is a secured credit card from Capital One, which means you must put up a refundable cash deposit of at least $200 in order to use the card. The card is created for people who want a better credit score. 

It can be an attractive option since it doesn’t come with any annual fees and cardholders can earn 1.5% on everyday purchases. 

11. Spark 2% Cash Plus

  • Best for: Business owners who crave a simple cash back structure
  • Credit score: Excellent
  • Annual fee: $150
  • Rewards bonus: Up to $1,000 in the first 6 months — $500 if you spend $5,000 in the first 3 months, and $500 if you spend $50,000 in the first 6 months

If you’re a small business owner and want to make your purchases count, consider Capital One’s Spark 2% Cash Plus Card. This is a “pay-in-full” card, which means there’s no APR. Think of it as almost like a debit card, with lots of perks. As long as you pay the card in full each month, you won’t get charged interest. If you pay late, you’ll incur a 2.99% monthly late fee.

The card offers 2% cash back on every eligible business purchase. These may include shipping costs, lunches with your employees or office supplies. 

The standout feature of this card is that there are no limits to the 2% rewards — it’s for each purchase and without any category restrictions. You also earn 5% cash back on hotels and rental cars if you book through Capital One Travel. 

Choosing the Best Capital One Credit Card

Capital One offers a variety of ultra-competitive cards for many kinds of spenders and lifestyles. Whether you want to rack up rewards for travel or cash back, you have plenty to choose from. If you’re in need of a card to help increase your credit score, go with a secured card and use Capital One’s CreditWise to keep track of your progress.

Capital One Credit Cards FAQ

  • Which card is better, Capital One QuicksilverOne or Platinum?
    • Both the Capital One QuicksilverOne and Platinum Mastercard require a credit score in the fair range and are best for people who are still building their credit. The best one for you would be the one that fits your spending habits and lifestyle. The Platinum Mastercard has no annual fee and offers access to a credit monitoring tool to help you stay on track. While the QuicksilverOne has an annual fee of $39 and offers 1.5% cash back on everyday purchases.
  • What is the hardest Capital One card to get?
    • One of the hardest Capital One cards to get is the Venture X Rewards Card. It requires an excellent credit score and has an annual fee of $395.
  • Is it worth getting a Capital One credit card?
    • Capital One offers a variety of credit cards that fit all different spending habits and credit scores. It is easy to find ones that offer rewards and low fees, making Capital One a good option when you are considering adding a new card to your wallet.
  • Does Capital One have a luxury credit card?
    • Yes, a luxury credit card that Capital One offers is the Venture Rewards Credit Card.

Gabrielle Olya contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Nov. 23, 2022. 

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Share This Article:

Get Credit Card Perks

About the Author

Claire Tak writes about investing and how to make your money go further. Frugal at heart, her philosophy is to spend freely on the things you love but save ruthlessly on everything else. In her past life, she worked for Anderson Cooper and served as chief editor and head of content for a number of Silicon Valley fintechs. She's a wanderer, yogi, snowboarder, and aspiring author. Read about her adventures.
Learn More

1pximage