Best Capital One rewards credit cards

Best Captial One rewards credit card

If you’re exploring rewards credit card options and want a credit card with excellent travel benefits or other perks like cash back, Capital One has eight different card options. There’s bound to be a Capital One card right for you.

The Capital One Rewards program makes it easy to accrue travel points without complicated earning rules. Rand Shoaf of welltraveledmile.com advises: “The best rewards credit card is the one that you will use. The last thing you want is for your hard earned miles and points to collect dust or expire.”

Accrued points can be spent on travel through Capital One’s travel rewards website or by transferring points to 15 airline travel partners, making the Capital One Rewards program one of the most flexible in the market.

capital one venture card

Venture® Rewards from Capital One®

Why we love it

If you have excellent credit, aren’t loyal to a single airline and you’re new to the rewards credit card world, the Venture® Rewards card offers one of the simplest programs to earn travel points fast. You’ll earn 10x miles when you book and pay with the card for a hotel stay through their website or hotels.com.

This Capital One card features no foreign transaction fees on card purchases when you spend overseas (saving you 3%), travel accident insurance up to $250,000, lost luggage reimbursement up to $3,000 and additional auto rental coverage. Your purchases are protected with extended warranty protection that will double the manufacturer’s warranty. They’ll also reimburse you, replace or repair purchased items if they’re stolen or damaged within 90 days of purchase.

Bonus points

  • Sign-up bonus of 50,000 miles after you spend $3,000 in purchases within the first three months
  • Earn 2x miles for every dollar spent
  • Global Entry or TSA PreCheck application fee credit ($100 savings)
capital one venture one

VentureOne® Rewards from Capital One®

Why we love it

Don’t confuse Capital One’s VentureOne® card with the Capital One Venture® card above. The VentureOne® is the no-annual-fee version of the Venture® rewards card. It has the same 10x point earning potential when booking hotels through hotels.com, but you’ll earn 1.25x miles per dollar spent instead of 2x with the Venture credit card.

This Capital One card is a good choice if you want to save on the $95 annual fee and use your credit card mainly for travel purchases. If you spend quite a bit on grocery, shopping and gas purchases, it may be worth upgrading to the Venture card to get 2x points.

Bonus points

  • Sign-up bonus of 20,000 miles once you spend $1,000 on purchases within the first three months
  • No annual fee
  • Earn 1.25x miles for every dollar spent
capital one savor

Savor® Rewards from Capital One®

Why we love it

Are you a foodie or do you prefer dining out over staying in? The Savor® Rewards card is designed for you. Forget points – you’ll get unlimited cash back for every dollar you spend – 4% back on dining and entertainment, 2% back at grocery stores and 1% on all other purchases when using this Capital One credit card.

Savor will also throw in occasional bonuses and discounts, like 8% cash back on tickets at Vivid Seats, several free months of Postmates Unlimited when you sign up for the service, shopping tools like Paribus that gives you money back if a previous online purchase goes on sale and Wikibuy to scan thousands of merchants to help you find the best price.

Bonus points

  • Receive a $300 sign up bonus after you spend $3,000 in the first three months
  • Earn 4% cash back on dining and entertainment and 2% back at grocery stores
  • Annual fee ($95) waived the first year
capital one savor one

SavorOne℠ Rewards from Capital One®

Why we love it

If you don’t spend enough to warrant the $95 Capital One Savor card annual fee, the SavorOne card is a good option because there’s no annual fee. The cash reward is smaller – 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases – but it still adds up.

If you have a big-ticket purchase coming up or a high balance you’re paying off and would like to transfer from another card, the SavorOne card offers a 0% intro APR for 15 months – one of the best of all the Capital One credit card offers.

Bonus points

  • No annual fee
  • Best card for balance transfers or big-ticket purchases due to 0% intro APR for 15 months
  • A one-time $150 cash bonus once you spend $500 in the first three months
capital one quicksilver

Quicksilver® from Capital One®

Why we love it

Those who don’t like credit card fees will find the Quicksilver® card the best option. It’s a no-frills, cash back Capital One card. No annual fee, no foreign transaction fees and an introductory offer of 0% on card purchases and balance transfers for the first 15 months keeps it simple.

You’ll earn an unlimited 1.5% back on every purchase that can be redeemed in the amount of your choice, at any time. Use your accrued cash as a statement credit, request a check or gift card, or apply it towards a recent purchase. A one-time $150 cash bonus is yours after you spend $500 on purchases the first three months to sweeten the deal.

Bonus points

  • No annual fee
  • Earn 1.5% cash back on all purchases
  • Use your cash back as a statement credit, towards a purchase, or request a check or gift card
capital one quicksilver one

QuicksilverOne® from Capital One®

Why we love it

If you’re looking to rebuild your credit score, the Capital One QuicksilverOne® card is a cash back card designed for people with less than perfect credit. Make your first five monthly payments on time, and you’ll be eligible for a credit line increase.

Credit card options are limited when you don’t have stellar credit. Most of the Capital One credit card offers are geared towards good-credit consumers. The QuicksilverOne® card comes with perks like 1.5% cash back on all purchases and some benefits you’d usually see with top cards like Price Protection and Travel Accident Insurance. Depending on how much you spend, the $39 annual fee can be partially offset by your cash back bonus.

Bonus points

  • People with lower credit scores may be eligible
  • Once the first five monthly payments are made on time, you may be eligible for a credit line increase
  • Earn 1.5% cash back on all purchases
spark cash from capital one

Spark® Cash from Capital One®

Why we love it

The Spark® Cash card offers is designed for business owners that prefer cash back over other types of credit card perks. Unlike most business credit cards, your spending and payment activity is reported to the business credit bureaus, which will help you build up your business credit.

If you plan on spending frequently, the 2% cash back rate will return some savings annually. There’s a $95 annual fee with this Capital One credit card that’s waived the first year. Plan on spending at least $4,750 per year with this Capital One card to offset the card’s annual fee.

Bonus points

  • Quarterly and year-end spending summaries
  • Free additional employee cards available
  • A rotating selection of retailer discounts available
spark miles from capital one

Spark® Miles from Capital One®

Why we love it

When business travel rewards are the perk you’re searching for, the Capital One® Spark® Miles for Business Card offers 2x reward miles for every $1 spent. Although this is a business card, you’ll need good to excellent credit to qualify. The $95 annual fee is waived for the first year.

You’ll get all the travel reward perks Capital One has to offer like travel protection, the ability to transfer miles to 15 airline partners and more. A 50,000 bonus mile bonus at sign up is deposited into your account after spending $4,500 in the first three months.

Bonus points

  • Global Entry or TSA PreCheck application fee credit ($100 savings)
  • Earn reward miles quickly by distributing free employee cards
  • Earn a 50,000 bonus mile bonus at sign up after spending $4,500 in the first three months