Best Capital One Credit Cards 2024

The Capital One Venture X is one of Capital One’s most premium travel cards, complete with up to 10 miles per dollar on certain categories. While the card does have a high annual fee, the value received through rewards makes it worth it.

The Capital One Venture X is ideal for frequent travelers that enjoy a luxury experience.

Rewards:

• 10x miles on hotels and rental cars booked through the Capital One Travel portal
• 5x miles on flights booked through the Capital One Travel portal
• Unlimited 2x miles on all other purchases

The card also comes with a few added bonuses:

• Welcome bonus of 75,000 miles (equal to $750 in travel) after spending $4,000 in the first three months after opening the account
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including the Capital One Lounges and the Partner Lounge Network
• $100 credit for Global Entry or TSA PreCheck
• 10,000 bonus miles (worth $100) toward travel each year on your account anniversary
• Up to $300 back each year for bookings made through the Capital One Travel portal

Pros:

• Fair annual fee given the rewards value
• Annual travel credit
• Solid welcome bonus
• High redemption value of miles

Cons:

• Lacks some of the luxury travel perks other cards have
• To qualify for 10x and 5x miles, purchases must be made through the Capital One portals; purchases made elsewhere will only qualify for 2x miles

You can apply for the Capital One Venture X credit card through the Capital One website. You’ll need an excellent credit score, between 750 and 850, to qualify.

Frequent travelers that just can’t stomach a $395 annual fee will enjoy the Capital One Venture Rewards card. With some of the same benefits as the Capital One Venture X — like a high value welcome bonus and strong rewards rate — but a lower annual fee, the Capital One Venture Rewards card is a solid middle ground.

Rewards:

• 5x miles on hotels and rental cars booked through the Capital One Travel portal
• Unlimited 2x miles on everything else

Miles can be transferred to over 15 travel loyalty programs.

The card comes with a couple added bonuses:

• Up to $100 statement credit for Global Entry or TSA PreCheck
• Two complimentary visits per year to a Capital One Lounge or to 100+ Plaza Premium Lounges in the Partner Lounge Network

Pros:

• Lower annual fee
• Strong rewards rate
• Solid welcome bonus

Cons:

• Rewards have limited flexibility

To apply for the Capital One Venture Rewards card, complete the application online. You’ll need to have a good to excellent credit score, in the 700 to 749 range, to qualify.

The Capital One Walmart Rewards Card is ideal for people who frequently shop online at Walmart.com, or use their delivery or grocery pickup options.

Rewards:

• Up to 5% cash back at Walmart.com, including delivery orders and grocery pickup
• 2% cash back on purchases at Walmart stores and gas stations
• 2% cash back on restaurant and travel purchases
• 1% cash back on everything else, where Mastercard is accepted

Cash back can be redeemed for a statement credit, a check, for gift cards, or for travel purchases.

To apply for the Capital One Walmart Rewards Card, complete the application online. You’ll need a fair credit score to qualify.

Pros:

• No annual fee
• Solid rewards rate
• Compelling welcome bonus
• High credit score isn’t needed to qualify

Cons:

• You must use Walmart Pay in person for transactions to qualify for 5% cash back.
• After the first 12 months, 5% cash back is limited to Walmart.com only.

In early 2023, Walmart sued Capital One to end their credit card partnership early. While the card offers a strong rewards rate, it may be wise to wait until the lawsuit settles before applying.

The CapitalOne SavorOne Cash Rewards Credit Card has a smaller welcome bonus than competing cards. However, its lack of an annual fee and solid rewards rate make it a strong option for people who spend more on dining and entertainment.

Rewards:

• 3% cash back on dining, entertainment, streaming services, and grocery stores (excluding Walmart and Target superstores)
• 5% cash back on hotels and rental cars booked through the Capital One Travel portal
• 8% cash back on Capital One Entertainment purchases
• 10% cash back on purchases made through Uber and Uber Eats through 11/14/2024
• 1% cash back on all other purchases

Apply online on Capital One’s website. You’ll need a good to excellent credit score, in the 700 to 749 range, to qualify.

Pros:

• Solid rewards rate for dining and entertainment purchases
• No annual fee
• Offers 0% APR on purchases and balance transfers for 15 months

Cons:

• Smaller welcome bonus than some competitors
• Cash back categories are limited

Cardholders can receive a one-time $200 cash bonus after spending $1,000 on purchases within the first three months after opening the card. The card also comes with a complimentary Uber One membership statement credit through 11/14/2024.

The Capital One Savor Rewards Credit Card offers an incredibly competitive rewards rate for an annual fee of just $95. This card is ideal for people who enjoy splurging on entertainment, dining, and travel.

Rewards:

• 8% cash back on purchases made through the Capital One Entertainment ticketing platform
• 5% cash back on hotels and rental cars booked through the Capital One Travel portal
• 4% cash back on dining, entertainment, and popular streaming services
• 3% cash back at grocery stores
• 1% cash back on everything else

Apply online on Capital One’s website. You’ll need a good to excellent credit score, in the 700 to 749 range, to qualify.

Pros:

• Strong rewards rate
• Unlimited reward earnings
• Low annual fee in comparison to competing cards

Cons:

• High APR
• Two highest rewards tiers are on purchases made only through the Capital One portals; related purchases made outside the portal won’t qualify

This card comes with a one-time $300 welcome bonus if you spend $3,000 on purchases within the first three months of opening the card.

The Capital One SavorOne Student Cash Rewards Credit Card is ideal for students that spend more on entertainment and dining. While the card has a small welcome bonus and limited rewards, its offer is compelling for a no-annual fee credit card.

Rewards:

• Unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target)
• 10% cash back on purchases made through Uber and Uber Eats, until 11/14/2024
• 8% cash back on entertainment purchases made through the Capital One Entertainment portal
• 1% cash back on everything else

Apply online on Capital One’s website. Students and individuals with limited credit history can qualify.

Pros:

• Don’t need a high credit score to qualify
• No annual fee

Cons:

• Small welcome bonus
• Limited cash back categories

This card comes with a complimentary Uber One membership through 11/14/2024.

The Capital One Spark Miles for Business Credit Card offers a simple rewards structure, low annual fee, and free employee cards. This card is ideal for business owners that spend more on travel and are comfortable paying for hotels and rental cars through the Capital One portal.

Rewards:

• Unlimited 5x miles per dollar on hotels and rental cars booked through the Capital One Travel portal
• 2x miles on everything else

Apply online on Capital One’s website. You may need information such as:

• Business income
• EIN or Social Security Number
• Proof of incorporation
• Residential address of the business owner

Pros:

• Simple rewards structure
• High redemption value for miles earned
• Free employee cards
• Low annual fee

Cons:

• Limited rewards categories
• Travel expenses must be purchased through the Capital One Travel portal to qualify for cash back; hotels and rental cars purchased elsewhere will only qualify for 2x miles

This card comes with a one-time bonus of 50,000 miles — worth $500 in travel — after spending $4,500 on purchases within the first three months after opening the account. It also comes with one statement credit to cover TSA PreCheck or Global Entry application fees.

The Capital One Spark Miles Select for Business Credit Card is ideal for business owners that want a simple credit card with no annual fee.

Rewards:

• Unlimited 5x miles per dollar on hotels and rental cars booked through the Capital One Travel portal
• Unlimited 1.5x miles on everything else

You can apply online on Capital One’s website. You may need information such as:

• Business income
• EIN or Social Security Number
• Proof of incorporation
• Residential address of the business owner

Pros:

• No annual fee
• Simple rewards structure
• High redemption value of miles through Capital One travel partners
• Free employee cards
• 0% APR intro offer

Cons:

• Small welcome bonus
• Limited rewards categories
• Travel expenses must be purchased through the Capital One Travel portal to qualify for 5x miles; hotels and rental cars purchased elsewhere will only qualify for 1.5x miles

This card comes with a one-time welcome bonus of 20,000 miles — worth $200 in travel — after spending $3,000 on purchases within the first three months of opening the account.