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Best Capital One credit cards of April 2024

Updated April 10, 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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Info
Best for simple cash back
Rating: 3.8 stars out of 5
3.8
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

Info
Best for dining and entertainment with no annual fee
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

1% - 8%

Rewards rate

Info

Annual fee

Regular APR

Info
Best for travel rewards
Rating: 4.9 stars out of 5
4.9
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit
Info

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

Best for no annual fee travel rewards
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$340

Offer valuation

Info

1.25 Miles - 5 Miles

Rewards rate

Info

Annual fee

Regular APR

BEST FOR PREMIUM TRAVEL BENEFITS
Rating: 5 stars out of 5
5.0
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$1275

Offer valuation

Info

2 Miles - 10 Miles

Rewards rate

Info

Annual fee

Regular APR

Best for business travel rewards
Rating: 4.4 stars out of 5
4.4
Info
Apply now Lock
on Capital One's secure site
Good to Excellent (670 – 850)
Info
Recommended Credit

Intro offer

Info

$850

Offer valuation

Info

2X - 5x

Rewards Rate

Info

Annual fee

Regular APR

Best for small businesses
Rating: 4.7 stars out of 5
4.7
Info
Apply now Lock
on Capital One's secure site
Excellent (740 – 850)
Info
Recommended Credit

Intro offer

Info

$1200

Offer valuation

Info

2% - 5%

Rewards Rate

Info

Annual fee

Regular APR

Info
Best for people with limited credit history
Rating: 4.2 stars out of 5
4.2
Info
Apply now Lock
on Capital One's secure site
Fair to Good (580 – 740)
Info
Recommended Credit
Info

N/A

Intro offer

Info

Annual fee

Regular APR

Best for consumers with bad credit
Rating: 4.1 stars out of 5
4.1
Info
Apply now Lock
on Capital One's secure site
No Credit History
Info
Recommended Credit

N/A

Intro offer

Info

Annual fee

Regular APR

Best flat-rate cash back for students
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Capital One's secure site
Fair to Good (580 – 740)
Info
Recommended Credit

Intro offer

Info

1.5% - 10%

Rewards Rate

Info

Annual fee

Regular APR

Best overall for students
Rating: 4.6 stars out of 5
4.6
Info
Apply now Lock
on Capital One's secure site
Fair to Good (580 – 740)
Info
Recommended Credit

Intro offer

Info

1% - 8%

Rewards Rate

Info

Annual fee

Regular APR

Best for fair credit
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Capital One's secure site
Fair to Good (580 – 740)
Info
Recommended Credit

N/A

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

BEST SECURED CARD FOR FLAT-RATE REWARDS
Rating: 4 stars out of 5
4.0
Info
Apply now Lock
on Capital One's secure site
No Credit History
Info
Recommended Credit

N/A

Intro offer

Info

1.5% - 5%

Rewards rate

Info

Annual fee

Regular APR

Compare our top picks for Capital One credit cards

Card Name Best for Bankrate Review Score

Simple cash back

3.8 / 5

Info
(Read card review)
Apply now Lock
on Capital One's secure site
Dining and entertainment with no annual fee

5.0 / 5

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

Travel rewards

4.9 / 5

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

No annual fee travel rewards

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

Travel business card

4.4 / 5

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

Small businesses

4.7 / 5

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

Limited credit history

4.2 / 5

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

Consumers with bad credit

4.1 / 5

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

Best flat-rate cash back for students

4.6 / 5

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

Best overall for students

4.6 / 5

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

Fair credit

4.0 / 5

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

Secured card for flat-rate rewards

4.0 / 5

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

A closer look at our best Capital One credit cards

Image of Capital One Quicksilver Cash Rewards Credit Card

Capital One Quicksilver Cash Rewards Credit Card

Best for simple cash back

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It’s a simple cash back card with no annual fee that earns at least an unlimited 1.5 percent back on all purchases. (See Rates & Fees)

Cash back beginners. If you’re considering getting a rewards card, this one is a great entry point to test the waters of cash back credit cards.

The Citi Double Cash® Card card earns a little bit more cash back (1 percent when you use the card and 1 percent as you pay your bill) while still skipping the annual fee. If you’re a disciplined credit user who always pays their bill, this card could prove more rewarding. 

Image of Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Best for dining and entertainment with no annual fee

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It has stellar rewards rates on dining and grocery stores (excluding superstores like Walmart® and Target®), along with select streaming services, making it an easy way to earn on food and your favorite TV shows. (See Rates & Fees)

Homebodies, foodies and social butterflies. Its elevated cash back on its food-related categories make it a lucrative card, regardless of if you prefer a night out or in.

If you’re a foodie who also loves traveling, then the American Express® Gold Card offers rewards on categories that you probably spend the most in. Just watch out for its annual fee.

Image of Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Best for travel rewards

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Capital One’s transfer partners and this comparatively low annual fee make it a solid first choice for earning miles on everyday purchases. (See Rates & Fees)

Casual travelers — its 2X miles on everyday purchases in addition to its 5X miles on hotels and cars booked through Capital One Travel is just enough to fund the occasional trip.

The Chase Sapphire Preferred® Card offers similar rewards rates, the same annual fee and an attractive sign-up bonus. However, the higher points value when booking through the issuer’s travel portal may help the Sapphire Preferred win out.

Image of Capital One VentureOne Rewards Credit Card

Capital One VentureOne Rewards Credit Card

Best for no annual fee travel rewards

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This card comes with an attainable sign-up bonus plus a simple, low-cost way to earn miles on everyday purchases for no annual fee.(See Rates & Fees)

The budget traveler who wants a no-annual-fee travel rewards card to start earning miles.

If you don’t mind the cost of an annual fee, you will definitely find more value in any of Capital One’s other travel rewards cards that earn higher rewards rates.

Image of Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Best for premium travel benefits

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Compared to other luxury travel cards, its lower annual fee makes it an affordable way to earn premium benefits and rewards on par with industry leaders. (See Rates & Fees)

Luxury travelers who want to ball out on a budget.

If you really don’t want to cough up hundreds of dollars for the annual fee, then consider cards with low or no annual fees like Capital One’s other travel rewards credit cards.

Image of Capital One Spark Miles for Business

Capital One Spark Miles for Business

Best for business travel rewards

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The unlimited 2X miles you earn on all purchases can help businesses reap rewards on their spending and employee spending. 

Business owners and their employees who travel occasionally for work.

For no annual fee, The Blue Business® Plus Credit Card from American Express offers a similar rewards rate, but has a $50,000 cap on your highest reward tier. If your business spends less, then it’s a worthy and cheaper alternative.

Image of Capital One Spark Cash Plus

Capital One Spark Cash Plus

Best for small businesses

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It’s a low-hassle business credit card. Earning a flat 2 percent back on all purchases makes for easy and consistent rewards on business expenses. 

Small-business owners who want to earn high cash back rewards and take advantage of competitive benefits without tracking bonus or rotating categories.

The Spark Cash Plus (See Rates & Fees) is a solid choice, but there are business cards available that tout no annual fees with similar rewards rates like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card.

Image of Capital One Platinum Credit Card

Capital One Platinum Credit Card

Best for limited credit history