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Best Capital One Credit Cards of December 2024

Updated: Nov 12, 2024
Kenley Young
Written by
Assigning Editor
Caitlin Mims
Reviewed by
Content Management Specialist
Paul Soucy
Edited by
Fact Checked
Director
Fact Checked
Kenley Young
Written by
Assigning Editor
Caitlin Mims
Reviewed by
Content Management Specialist
Paul Soucy
Edited by
Fact Checked
Director
Fact Checked
+ 2 more
+ 2 more
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.

  • 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)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

  • 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)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

NerdWallet's Best Capital One Credit Cards of December 2024

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Best Capital One Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Capital One Venture Rewards Credit Card ImageCapital One Venture Rewards Credit Card
Best for Simple travel rewards

$95

2x-5x

Miles
75,000
miles
Capital One Venture X Rewards Credit Card ImageCapital One Venture X Rewards Credit Card
Best for Travel perks

$395

2x-10x

Miles
75,000
miles
Capital One VentureOne Rewards Credit Card - Miles Boost ImageCapital One VentureOne Rewards Credit Card - Miles Boost
Best for Simple travel rewards + no annual fee

$0

1.25x-5x

Miles
40,000
miles
Capital One Savor Cash Rewards Credit Card ImageCapital One Savor Cash Rewards Credit Card
Best for Going out & staying in with no annual fee

$0

1%-8%

Cashback
$250
Capital One Savor Student Cash Rewards Credit Card ImageCapital One Savor Student Cash Rewards Credit Card
Best for Bonus cash back for students

$0

1%-8%

Cashback
$50
Capital One Quicksilver Cash Rewards Credit Card ImageCapital One Quicksilver Cash Rewards Credit Card
Best for Simple cash back

$0

1.5%-5%

Cashback
$200
Capital One Platinum Secured Credit Card ImageCapital One Platinum Secured Credit Card
Best for Flexible security deposit

$0

N/A

N/A
Capital One Platinum Credit Card ImageCapital One Platinum Credit Card
Best for Fair credit + no annual fee

$0

N/A

N/A
Capital One Spark Cash Select ImageCapital One Spark Cash Select
Best for Cash back for business + no annual fee

$0

1.5%-5%

Cashback
$500
Capital One Quicksilver Secured Cash Rewards Credit Card ImageCapital One Quicksilver Secured Cash Rewards Credit Card
Best for Poor credit + cash back

$0

1.5%-5%

Cashback
N/A
Capital One QuicksilverOne Cash Rewards Credit Card ImageCapital One QuicksilverOne Cash Rewards Credit Card
Best for Fair credit + cash back

$39

1.5%-5%

Cashback
N/A
Capital One Spark Cash Plus ImageCapital One Spark Cash Plus
Best for Cash back for business

$150

2%-5%

Cashback
$2,000
Capital One Spark Miles for Business ImageCapital One Spark Miles for Business
Best for Travel rewards for business

$0 intro for the first year, then $95

2x-5x

Points
50,000
points
Capital One Quicksilver Student Cash Rewards Credit Card ImageCapital One Quicksilver Student Cash Rewards Credit Card
Best for Simple cash-back for students

$0

1.5%-5%

Cashback
$50
save money

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for

Simple travel rewards

Annual fee
$95
Rewards rate
2x-5x
Miles
Intro offer
75,000
Miles
Recommended Credit Score

The Capital One Venture Rewards Credit Card is at the front of the wallet for many frequent travelers, thanks to its rich flat-rate rewards, plum sign-up bonus and flexible redemption options.

Product Details

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • View Rates & Fees

Pros
  • The card earns 2 miles per $1 spent on most purchases, among the best rewards rates in its class. The sign-up bonus is similarly generous: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. And redemption is easy: Go through Capital One's travel center, or simply book however you want and redeem miles for statement credit against the purchase. There’s no minimum redemption amount, either.

Cons
  • There's an annual fee of $95. If you'd rather have cash back, your miles will be worth less. Capital One says cash redemption values "may vary and are subject to change." As of April 2024, Venture cardholders were seeing a redemption rate of 0.5 cent per point.

Why We Like It

The Capital One Venture Rewards Credit Card is at the front of the wallet for many frequent travelers, thanks to its rich flat-rate rewards, plum sign-up bonus and flexible redemption options.

Our pick for

Travel perks

Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
75,000
Miles
Recommended Credit Score

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.

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • View Rates & Fees

Pros
  • As with the regular Venture-branded card, you earn 2 miles per dollar on purchases. But when booking through Capital One Travel, you also get 5X miles on airfare and 10X miles on hotel and rental cars. There's up to $300 a year in statement credit for bookings through the portal, a 10,000-mile annual bonus, airport lounge access and a jumbo sign-up offer.

Cons
  • The value you'll get from this card is highly dependent on whether you use Capital One to book your travel. If you prefer to reserve directly with airlines or hotels, best to stick with the standard Venture card. The bonus offer is big, but so is the spending required to earn it.

Why We Like It

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.

Our pick for

Simple travel rewards + no annual fee

Annual fee
$0
Rewards rate
1.25x-5x
Miles
Intro offer
40,000
Miles
Recommended Credit Score

The Capital One VentureOne Rewards Credit Card - Miles Boost offers an unlimited 1.25 miles per dollar spent, with miles redeemable the same way as on the regular Venture card, for an annual fee of $0.

  • Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel
  • 19.74% - 29.74% variable APR; this product does not have an introductory APR period, 4% fee on amounts transferred at a promotional APR that Capital One may offer you
  • $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
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • View Rates & Fees

Pros
  • Miles can be redeemed for statement credit against travel purchases at a value of 1 cent per mile, with no restrictions on when you travel. There's a sign-up bonus, too: Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel..

Cons
  • The ongoing rewards rate is lower than the 1.5 points or miles per dollar offered by some competitors in the no-annual-fee travel card field.

Why We Like It

The Capital One VentureOne Rewards Credit Card - Miles Boost offers an unlimited 1.25 miles per dollar spent, with miles redeemable the same way as on the regular Venture card, for an annual fee of $0.

Our pick for

Going out & staying in with no annual fee

Annual fee
$0
Rewards rate
1%-8%
Cashback
Intro offer
$250
Recommended Credit Score

The $0-annual-fee Capital One Savor Cash Rewards Credit Card is a popular dining card that pays unlimited 8% cash back on Capital One Entertainment purchases; 3% cash back on dining, grocery stores (excluding superstores like Target and Walmart) and entertainment, including streaming services; and 1% back on all other purchases.

  • For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • View Rates & Fees

Pros
  • This might be the perfect dinner-and-a-movie credit card, but it's also pretty darn good even for those who tend to cook at home and watch Netflix. The sign-up bonus is also quite nice: For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

Cons
  • If you're a one-card kind of person rather than someone with a card for every occasion, you might get more value from a card that pays 1.5% or 2% cash back on every purchase.

Why We Like It

The $0-annual-fee Capital One Savor Cash Rewards Credit Card is a popular dining card that pays unlimited 8% cash back on Capital One Entertainment purchases; 3% cash back on dining, grocery stores (excluding superstores like Target and Walmart) and entertainment, including streaming services; and 1% back on all other purchases.

Our pick for

Bonus cash back for students

Annual fee
$0
Rewards rate
1%-8%
Cashback
Intro offer
$50
Recommended Credit Score

The Capital One Savor Student Cash Rewards Credit Card is among the best in its class, thanks to its rich rewards in several popular spending categories for students.

  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • View Rates & Fees

Pros
  • The $0-annual-fee card earns 8% cash back on Capital One Entertainment purchases; 3% back on dining, entertainment purchases, popular streaming services and grocery store purchases; and 1% back on all other purchases.

Cons
  • A flat-rate rewards card would be more straightforward and easier to manage.

Why We Like It

The Capital One Savor Student Cash Rewards Credit Card is among the best in its class, thanks to its rich rewards in several popular spending categories for students.

Our pick for

Simple cash back

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$200
Recommended Credit Score

The Capital One Quicksilver Cash Rewards Credit Card is a standard-setter: Its easy-to-understand 1.5% cash-back rate on all purchases spawned an army of imitators. The $0-annual-fee card not only earns unlimited rewards, but it also allows you to redeem your rewards in any amount, at any time.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 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 and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • View Rates & Fees

Pros
  • Easy-peasy describes this card's simple earning and redemption structure. There are no bonus categories to keep track of, no limit to how much you can earn, and rewards don't expire. There's a nice sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.. Plus, you'll get a great intro 0% APR period.

Cons
  • If you're willing to keep track of rotating bonus categories, or if you spend heavily on things like gas and groceries, you might do better with a card that pays higher rewards on select purchases.

Why We Like It

The Capital One Quicksilver Cash Rewards Credit Card is a standard-setter: Its easy-to-understand 1.5% cash-back rate on all purchases spawned an army of imitators. The $0-annual-fee card not only earns unlimited rewards, but it also allows you to redeem your rewards in any amount, at any time.

Our pick for

Flexible security deposit

Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score

When you have poor credit, a secured card can help. The Capital One Platinum Secured Credit Card reports to all three of the major credit bureaus and may give you access to a higher credit line without an additional deposit after you make your first five monthly payments on time.

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
  • View Rates & Fees

Pros
  • The annual fee is $0. For a starter credit line of $200, your deposit may be $49, $99 or $200. Plus, Capital One will let you pay off that deposit in installments within a certain amount of time after approval. Pay your bill on time, and you can be automatically considered for a credit limit increase in as little as six months with no additional deposit.

Cons
  • Like most secured cards, this card doesn't earn rewards. The ongoing APR is 29.99% Variable APR, so carrying a balance is not ideal.

Why We Like It

When you have poor credit, a secured card can help. The Capital One Platinum Secured Credit Card reports to all three of the major credit bureaus and may give you access to a higher credit line without an additional deposit after you make your first five monthly payments on time.

Our pick for

Fair credit + no annual fee

Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score

The Capital One Platinum Credit Card is an ideal choice for those with average credit who don't carry a balance, don't want to pay for carrying a card and appreciate an incentive for responsible behavior. It also travels well.

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • View Rates & Fees

Pros
  • The annual fee is $0. Pay your bill on time, and you can be automatically considered for a credit limit increase in as little as six months. You can choose your own due date, which lets you schedule payment for the time of the month that best suits your cash flow. If you do make a late payment, the card doesn't impose a penalty APR. And the card doesn't charge foreign transaction fees.

Cons
  • There are no rewards. Plus, the ongoing APR is on the high end at 29.99% Variable APR. That's not an issue if you pay in full every month, but look elsewhere if you expect to carry debt from month to month.

Why We Like It

The Capital One Platinum Credit Card is an ideal choice for those with average credit who don't carry a balance, don't want to pay for carrying a card and appreciate an incentive for responsible behavior. It also travels well.

Our pick for

Cash back for business + no annual fee

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Recommended Credit Score

The Capital One Spark Cash Select is a solid choice for entrepreneurs who don't spend as much: unlimited 1.5% cash back and a $0 annual fee. (For more options, see our list of the best Capital One Spark business credit cards.)

  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
  • View Rates & Fees

Pros
  • With its cash back rewards rate and $0, this card is like a "Quicksilver for business." You also can earn a solid sign-up bonus.

Cons
  • If you expect to put more than $19,000 a year on the card, you'd come out ahead with the Capital One Spark Cash, described above, even with its annual fee.

Why We Like It

The Capital One Spark Cash Select is a solid choice for entrepreneurs who don't spend as much: unlimited 1.5% cash back and a $0 annual fee. (For more options, see our list of the best Capital One Spark business credit cards.)

Our pick for

Poor credit + cash back

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
N/A
Recommended Credit Score

Unlike many other secured cards, the Capital One Quicksilver Secured Cash Rewards Credit Card earns a decent rewards rate on all purchases as you work to strengthen your credit.

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • View Rates & Fees

Pros
  • The $0-annual-fee card earns a flat 1.5% cash back on all purchases, a solid rate even compared with many traditional "unsecured" cards. It also offers an automatic credit limit review, plus the possibility of an upgrade path to a higher-tier Capital One card eventually.

Cons
  • There's a minimum security deposit of $200. And while you can get eventually get the money back when you upgrade to a regular card or close the account in good standing, for many it still represents a sizable sum of cash to lock up.

Why We Like It

Unlike many other secured cards, the Capital One Quicksilver Secured Cash Rewards Credit Card earns a decent rewards rate on all purchases as you work to strengthen your credit.

Our pick for

Fair credit + cash back

Annual fee
$39
Rewards rate
1.5%-5%
Cashback
Intro offer
N/A
Recommended Credit Score

The Capital One QuicksilverOne Cash Rewards Credit Card is one of just a handful of cards for average credit that earn rewards. In fact, it earns the same rate as the regular version of this card for people with excellent credit.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • View Rates & Fees

Pros
  • The card pays unlimited 1.5% cash back on all spending. You can redeem those rewards at any time, in any amount. Pay your bill on time, and you can be automatically considered for a credit limit increase in as little as six months.

Cons
  • There's an annual fee of $39, so you'd have to spend at least $2,600 a year on the card to break even. The APR on this card is high.

Why We Like It

The Capital One QuicksilverOne Cash Rewards Credit Card is one of just a handful of cards for average credit that earn rewards. In fact, it earns the same rate as the regular version of this card for people with excellent credit.

Our pick for

Cash back for business

Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Recommended Credit Score

The Capital One Spark Cash Plus offers generous, easy-to-manage cash-back rewards at a strong rate. And while there's an annual fee, big spenders can easily offset it thanks to unlimited cash back.

  • Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months
  • Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
  • Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
  • Enjoy purchasing power that adapts to your business. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
  • $150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
  • Spark Cash Plus has no APR because your balance is due in full every month
  • For businesses that need large spending capacity and want to maximize cash back
  • View Rates & Fees

Pros
  • In addition to its 2% flat-rate earnings, the card offers an attractive sign-up bonus: Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year. You'll also get business-specific perks like an itemized expense summary at year's end (great for tax time).

Cons
  • It's got an annual fee of $150, which could be unpalatable to some. (You may be able to deduct it as a business expense on taxes, though.) If your business spends heavily in specific areas, you might do better with a card offering higher rewards in those categories.

Why We Like It

The Capital One Spark Cash Plus offers generous, easy-to-manage cash-back rewards at a strong rate. And while there's an annual fee, big spenders can easily offset it thanks to unlimited cash back.

Our pick for

Travel rewards for business

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x
Points
Intro offer
50,000
Points
Recommended Credit Score

The Capital One Spark Miles for Business is made for traveling entrepreneurs whose spending doesn't fall neatly into specific categories. You simply get an unlimited 2 miles per dollar spent on everything.

  • 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
  • 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
  • Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
  • View Rates & Fees

Pros
  • Capital One's miles are easy to use. They can be redeemed for any travel expense — no blackout dates or restrictions — at a rate of 1 cent apiece and you receive a rate of 2 miles per dollar on purchases. There's a great sign-up bonus, too.

Cons
  • The card has an annual fee of $0 intro for the first year, then $95. After the first year, you'd have to spend at least $4,750 a year on the card before the rewards would outweigh the cost. But keep in mind that this fee could be deducted as a business expense on your taxes.

Why We Like It

The Capital One Spark Miles for Business is made for traveling entrepreneurs whose spending doesn't fall neatly into specific categories. You simply get an unlimited 2 miles per dollar spent on everything.

Our pick for

Simple cash-back for students

Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$50
Recommended Credit Score

The Capital One Quicksilver Student Cash Rewards Credit Card is a simple and straightforward pick that offers solid rewards on every purchase.

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
  • View Rates & Fees

Pros
  • The $0-annual-fee card earns 1.5% cash back on all purchases.

Cons
  • You can find student cards that outearn this one in specific bonus categories.

Why We Like It

The Capital One Quicksilver Student Cash Rewards Credit Card is a simple and straightforward pick that offers solid rewards on every purchase.