BEST OF

Best Capital One Credit Cards of October 2025

Updated: Sep 25, 2025

Written by

Kenley Young

Managing Editor

Reviewed by

Caitlin Mims

Editor & Content Strategist

Edited by

Paul Soucy

Fact Checked

Director of Content

Fact Checked

Written by

Kenley Young

Managing Editor

+ 2 more+ 2 more

Reviewed by

Caitlin Mims

Editor & Content Strategist

Edited by

Paul Soucy

Fact Checked

Director of Content

Fact Checked

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

Capital One offers some of the best-known credit cards on the market, thanks to the company's celebrity spokespeople and ubiquitous catchphrase, "What's in your wallet?" (Capital One's recent bid to buy Discover has further raised its profile.) But Capital One's cards are more than hype — they include generous rewards cards as well as excellent products for business owners, students and those with average or poor credit. What they don't have is foreign transaction fees.

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Why trust NerdWallet

400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)

Why trust NerdWallet

400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)

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NerdWallet's Best Capital One Credit Cards of October 2025

Capital One Venture Rewards Credit Card: Best for Simple travel rewards
Capital One VentureOne Rewards Credit Card - Miles Boost: Best for Simple travel rewards + no annual fee
Capital One Venture X Rewards Credit Card: Best for Travel perks
Capital One Quicksilver Cash Rewards Credit Card: Best for Simple cash back
Capital One Savor Cash Rewards Credit Card: Best for Going out & staying in with no annual fee
Capital One Savor Student Cash Rewards Credit Card: Best for Bonus cash back for students
Capital One Quicksilver Student Cash Rewards Credit Card: Best for Simple cash-back for students
Capital One Platinum Credit Card: Best for Fair credit + no annual fee
Capital One QuicksilverOne Cash Rewards Credit Card: Best for Fair credit + cash back
Capital One Platinum Secured Credit Card: Best for Flexible security deposit
Capital One Quicksilver Secured Cash Rewards Credit Card: Best for Poor credit + cash back
Capital One Spark Cash Plus: Best for Cash back for business
Capital One Spark Cash Select: Best for Cash back for business + no annual fee
Capital One Spark Miles for Business: Best for Travel rewards for business

Best Capital One Credit Cards From Our Partners

Credit card	NerdWallet rating	Annual fee	Rewards rate	Intro offer	Learn more
Capital One Venture X Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.9/5 Best for Travel perks	$395	2x-10x Miles	75,000 miles	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Venture Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.7/5 Best for Simple travel rewards	$95	2x-5x Miles	75,000 miles	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One VentureOne Rewards Credit Card - Miles Boost Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.1/5 Best for Simple travel rewards + no annual fee	$0	1.25x-5x Miles	$100 Credit + 40,000 Miles	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Savor Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	5.0/5 Best for Going out & staying in with no annual fee	$0	1%-8% Cashback	$100 Credit + $200 Cash Bonus	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Platinum Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	3.5/5 Best for Fair credit + no annual fee	$0	N/A	N/A	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Spark Miles for Business Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.7/5 Best for Travel rewards for business	$0 intro for the first year, then $95	2x-5x Miles	50,000 miles	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Spark Cash Plus Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.9/5 Best for Cash back for business	$150	2%-5% Cashback	$2,000	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Quicksilver Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.6/5 Best for Simple cash back	$0	1.5%-5% Cashback	$100 Credit + $200 Cash Bonus	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One QuicksilverOne Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.7/5 Best for Fair credit + cash back	$39	1.5%-5% Cashback	N/A	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Spark Cash Select Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.7/5 Best for Cash back for business + no annual fee	$0	1.5%-5% Cashback	$750	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Quicksilver Student Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.5/5 Best for Simple cash-back for students	$0	1.5%-5% Cashback	$50	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Platinum Secured Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.8/5 Best for Flexible security deposit	$0	N/A	N/A	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Savor Student Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	5.0/5 Best for Bonus cash back for students	$0	1%-8% Cashback	$50	Apply Nowon Capital One's website on Capital One's website Rates & Fees
Capital One Quicksilver Secured Cash Rewards Credit Card Apply Nowon Capital One's website on Capital One's website Rates & Fees	4.9/5 Best for Poor credit + cash back	$0	1.5%-5% Cashback	N/A	Apply Nowon Capital One's website on Capital One's website Rates & Fees

ALSO SEE: Best credit cards of 2025 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo

Best Capital One credit cards

Before applying, verify details on the issuer's website.

CONSUMER CREDIT CARDS

Capital One Venture Rewards Credit Card

Our pick for: Simple travel rewards

The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus and other worthwhile perks (see rates and fees). Read our review.

Capital One VentureOne Rewards Credit Card - Miles Boost

Our pick for: Simple travel rewards + no annual fee

With the Capital One VentureOne Rewards Credit Card - Miles Boost, you don't pay an annual fee, but you also don't get rewards as rich as those on the regular Venture card (see rates and fees). Still, the bonus offer makes this a solid card for starting out with travel rewards. Read our review.

Capital One Venture X Rewards Credit Card

Our pick for: Travel perks

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee (see rates and fees). Read our review.

Capital One Quicksilver Cash Rewards Credit Card

Our pick for: Simple cash back

The original 1.5% flat-rate cash-back card still holds its own in a now-crowded field and the 5% cash back offered on hotels, vacation rentals, and car rentals booked through Capital One Travel offers the opportunity to earn more rewards. The Capital One Quicksilver Cash Rewards Credit Card offers a compelling combination of a good rewards rate, redemption flexibility, sign-up bonus and introductory APR period (see rates and fees). Read our review.

Capital One Savor Cash Rewards Credit Card

Our pick for: Going out & staying in with no annual fee

Some credit cards reward you well for going out, others for staying in. The Capital One Savor Cash Rewards Credit Card is the rare card that does both. It offers a terrific cash-back rate not only on dining and entertainment but also at grocery stores and on popular streaming services. Toss in a good bonus offer and intro APR period, and this card is a winner. (see rates and fees). Read our review.

Capital One Savor Student Cash Rewards Credit Card

Our pick for: Bonus cash back for students

Among cards aimed at students, the $0-annual-fee Capital One Savor Student Cash Rewards Credit Card is near the head of the class. It earns 8% cash back on Capital One Entertainment purchases; 5% cash back on hotels, vacation rentals and car rentals booked through Capital One Travel; and 3% back in a variety of popular spending categories for students — including dining, entertainment purchases, eligible streaming services and grocery store purchases — which is a better deal than you'd find on many cards requiring annual fees or sterling credit (see see rates and fees). Read our review.

Capital One Quicksilver Student Cash Rewards Credit Card

Our pick for: Simple cash back for students

The Capital One Quicksilver Student Cash Rewards Credit Card gets high marks for cards in its class, thanks to its $0 annual fee and its no-fuss rewards rate: 1.5% cash back on all purchases (see rates and fees). That's as good a combo as you'd find on even a lot of non-student cards. It even offers a chance to earn 5% cash back on hotels, vacation rentals and car rentals booked through Capital One Travel. Read our review.

Capital One Platinum Credit Card

Our pick for: Fair credit + no annual fee

You don't get rewards with the Capital One Platinum Credit Card, or a sign-up bonus or a 0% period (see rates and fees). But if you've got fair credit and you need a card you can use to build credit without paying an annual fee, it's definitely worth a look. Read our review.

Capital One QuicksilverOne Cash Rewards Credit Card

Our pick for: Fair credit + cash back

This card for people with fair or "average" credit pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit. The key difference is that this version charges an annual fee while the regular one does not (see rates and fees). Read our review.

Capital One Platinum Secured Credit Card

Our pick for: Flexible security deposit

The Capital One Platinum Secured Credit Card requires a security deposit, as do all secured credit cards. But while most cards require you to put down a deposit equal to your credit line, this one allows some qualifying applicants to get a $200 credit line with a deposit starting at $49. Further, you can be automatically considered for a higher credit line with no additional deposit in as little as six months (see rates and fees). Read our review.

Capital One Quicksilver Secured Cash Rewards Credit Card

Our pick for: Poor credit + cash back

The Capital One Quicksilver Secured Cash Rewards Credit Card offers an impressive combination of features for those with poor credit. A deposit is required, but in exchange you get a $0-annual-fee card that reports to all three credit bureaus (see rates and fees); an automatic credit limit review after six months; and a possible upgrade path to an unsecured Capital One card. Oh, and 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel, plus 1.5% back on all other purchases, which equals what you'd find on many unsecured cards. Read our review.

BUSINESS CREDIT CARDS

Capital One Spark Cash Plus

Our pick for: Cash back for business

The Capital One Spark Cash Plus is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards. There's no preset spending limit and you get a high, flat rewards rate on every purchase. Plus, you can earn a welcome bonus if you hit certain spending requirements. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance. (See rates and fees.) Learn more and apply.

Capital One Spark Cash Select

Our pick for: Cash back for business + no annual fee

The Capital One Spark Cash Select offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards. (See rates and fees.) Businesses that expect to spend $30,000 or more in their first three months should look to the Capital One Spark Cash Plus, which offers a higher bonus and rewards rate (for a higher annual fee). (See rates and fees.) Learn more and apply.

Capital One Spark Miles for Business

Our pick for: Travel rewards for business

The Capital One Spark Miles for Business earns 5 miles per dollar on hotels and car rentals booked through Capital One's travel booking site and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. (See rates and fees.) Learn more and apply.

Capital One® Spark® Miles Select for Business

Our pick for: Travel rewards for business + no annual fee

The Capital One® Spark® Miles Select for Business offers a lower rewards rate and a smaller bonus offer than the regular Spark Miles card, but there's no annual fee, either. Smaller spenders might come out ahead compared with the regular version. Learn more and apply.

Information for this card is not reviewed by or provided by Capital One.

What credit score do you need to get a Capital One credit card?

The credit score required to get a Capital One credit card depends on the card you’re considering. For example:

As is often the case with any issuer, premium cards with the most perks require excellent credit, generally defined as a credit score of 720 or better. An example here is the Capital One Venture X Rewards Credit Card.
Many of Capital One's most popular rewards cards are available to applicants with good to excellent credit. Good credit is generally defined as a score of 690 and up.
Capital One also has cards specifically designed for fair or "average" credit, generally represented by scores in the mid-600s. These include the Capital One Platinum Credit Card, which is a basic card with a $0 annual fee (see rates and fees), and the Capital One QuicksilverOne Cash Rewards Credit Card, which offers the same spending rewards as the regular Quicksilver card but charges an annual fee and does not come a sign-up bonus or a 0% intro APR offer (see rates and fees).
Student credit cards from Capital One generally require fair credit.
The issuer also has options for bad credit. The Capital One Platinum Secured Credit Card doesn’t have any specific credit score requirement — but it requires a cash security deposit.

Keep in mind, however, that your credit score is just one factor in determining whether you’ll qualify for any credit card. Issuers typically look at your income and other information on your application as well as specific data from your credit report.