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Best Capital One credit cards of July 2024

Updated July 09, 2024

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Capital One offers an impressive lineup of credit cards for various financial needs, including cash back, travel, business and credit-building. If you do most of your banking online, then you’ll enjoy the digital account management that Capital One credit cards offer.

Here’s a look at the best cards available from our credit card partner Capital One.

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Best for simplicity

Bankrate score

Rating: 3.8 stars out of 5
3.8
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: This card offers unlimited flat-rate cash back on every purchase without rotating categories or spending caps, making earning rewards easy and flexible.

Best for dining and entertainment

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$200

Rewards rate

Info

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: The generous cash back rewards on dining, entertainment and grocery purchases make it ideal for event lovers and foodies.

Best for frequent travelers

Bankrate score

Rating: 4.9 stars out of 5
4.9
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

Earn 75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 5 Miles

Annual fee

$95

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Its flexible travel rewards allow you to earn unlimited miles on every purchase and redeem for eligible travel-related expenses at a 1:1 rate.

Best for occasional travelers

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

20,000 miles

$340 value
Info

Rewards rate

Info

1.25 Miles - 5 Miles

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Having no annual fee makes it affordable for those who don't travel often and are looking for an inexpensive travel rewards card.

Best for premium travel benefits

Bankrate score

Rating: 5 stars out of 5
5.0
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

75,000 miles

$1,275 value
Info

Rewards rate

Info

2 Miles - 10 Miles

Annual fee

$395

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Its top-tier travel perks along with its elevated base rewards rate allow you to accumulate rewards faster and have a smooth travel experience.

Best for business travel

Bankrate score

Rating: 4.4 stars out of 5
4.4
Info
Recommended credit score: 670 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

50,000 miles

$850 value
Info

Rewards Rate

Info

2X - 5x

Annual fee

$0 intro for first year; $95 after that

Regular APR

26.24% (Variable)

Why you’ll like this card: Business travelers seeking unrestricted travel rewards on their expenses will find this card a lucrative choice thanks to its unlimited flat-rate miles per dollar.

Best for small businesses

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
Recommended credit score: 740 - 850
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$1,200 cash back

$1200 value
Info

Rewards Rate

Info

2% - 5%

Annual fee

$150

Regular APR

N/A

Why you’ll like this card: Its unlimited cash back rate on all purchases can provide small businesses with a straightforward and valuable way to earn cash rewards on their expenses.

Best for people with limited credit history

Bankrate score

Rating: 4.2 stars out of 5
4.2
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

N/A

Annual fee

$0

Regular APR

29.99% (Variable)

Why you’ll like this card: With responsible use, your credit limit can increase with this card, which makes it an effective tool for building credit.

Best for consumers with bad credit

Bankrate score

Rating: 4.1 stars out of 5
4.1
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

N/A

Annual fee

$0

Regular APR

29.99% (Variable)

Why you’ll like this card: This card allows you to build or rebuild your credit history with a potentially low refundable deposit and a higher credit limit.

Best flat-rate cash back for students

Bankrate score

Rating: 4 stars out of 5
4.0
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$50

Rewards Rate

Info

1.5% - 10%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: The unlimited cash back rate on every purchase provides students with a terrific way to earn cash back rewards without sacrificing convenience.

Best overall for students

Bankrate score

Rating: 4.6 stars out of 5
4.6
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

$50

Rewards Rate

Info

1% - 8%

Annual fee

$0

Regular APR

19.99% - 29.99% (Variable)

Why you’ll like this card: Students can earn boosted cash back on popular categories like dining, entertainment and groceries.

Best for fair credit

Bankrate score

Rating: 4 stars out of 5
4.0
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

N/A

Rewards rate

Info

1.5% - 5%

Annual fee

$39

Regular APR

29.99% (Variable)

Why you’ll like this card: For those with fair credit looking to earn cash back on their everyday spending, this card is a straightforward option.

Best secured card for flat-rate rewards

Bankrate score

Rating: 4 stars out of 5
4.0
Info
No Credit History
Info
Apply now Lock
on Capital One's secure site

Intro offer

Info

N/A

Rewards rate

Info

1.5% - 5%

Annual fee

$0

Regular APR

29.99% (Variable)

Why you’ll like this card: You can prequalify before applying, which is beneficial for maintaining your credit score.

Compare our top picks for Capital One credit cards

Card Name Best for Bankrate Review Score

Simplicity

3.8 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Dining and entertainment

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

 Frequent travelers

4.9 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Occasional travelers

4.1 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Premium travel rewards

5.0 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site

Business travel

4.4 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site