Best Capital One Credit Cards (2024)

Capital One credit cards span a wide range of rewards and credit levels, most with low fees and excellent reward rates. The best Capital One cards include both personal and business card offerings.

Overview of Personal Capital One Credit Cards

CardWelcome BonusAnnual Fee
Capital One Venture X Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening

$395

Capital One Venture Rewards Credit Card 

Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

$95

Capital One Quicksilver Cash Rewards Credit Card 

One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening

$0

Capital One QuicksilverOne Cash Rewards Credit Card 

N/A

$39

Capital One Savor Rewards Credit Card 

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.

$95

Capital One SavorOne Cash Rewards Credit Card 

$200 Cash Back after you spend $500 on purchases within 3 months from account opening

$0

Capital One VentureOne Rewards Credit Card 

20,000 Miles once you spend $500 on purchases within 3 months from account opening

$0

Capital One VentureOne Rewards for Good Credit 

None$0

Capital One Quicksilver Cash Rewards for Good Credit 

None$0

Capital One SavorOne Cash Rewards for Good Credit 

None$0

Capital One Platinum Credit Card 

None$0

Capital One Quicksilver Secured Cash Rewards Credit Card 

None$0

Capital One Platinum Secured Credit Card 

None$0

Capital One SavorOne Student Cash Rewards Credit Card 

Earn $50 Cash Back when you spend $100 in the first three months

$0

Capital One Quicksilver Student Cash Rewards Credit Card 

Earn $50 Cash Back when you spend $100 in the first three months

$0

Key Rewards Visa 

 Get 10% back in rewards (double the usual rate) for the first 30 days the account is open

$0

Cabela’s CLUB® Card 

Get $20 in Club points upon approval; $10 after 2 Bass Pro Shops or Cabela's purchases, and $10 after five purchases everywhere else Mastercard is accepted

 $0

BJ’s One™ Mastercard® 

None $0; but you must be a BJ’s member

BJ’s One+™ Mastercard® 

None$0; but you must be a BJ’s member

Capital One Personal Credit Cards

I’ve carried several Capital One credit cards. My personal favorite is the Capital One Venture Rewards Credit Card, but Capital One offers excellent cards for just about every credit score range.

Capital One Venture X Rewards Credit Card

Best for travel rewards

Capital One Venture X Rewards Credit Card earns you a generous welcome bonus, plus additional points every year on your card member anniversary. The annual fee is high, but you get $300 in travel credit when you book through Capital One travel, which mostly offsets the fee. Also, the annual fee is not nearly as high as some other premium travel rewards cards.

Rewards:

2x miles
On all other eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Airfare
5 Miles per dollar on flights booked through Capital One Travel
10x miles
Hotels
10 Miles per dollar on hotels booked through Capital One Travel
10x miles
Rental Cars
10 Miles per dollar on rental cars booked through Capital One Travel
  • Welcome Bonus:  Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
  • Intro APR: None
  • Annual Fee: $395

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2022
751
Experian
$10,000
Approved02/01/2022
775
TransUnion
$10,000
Approved02/01/2022
802
Equifax
$10,000
Approved02/28/2022
779
Experian
$30,000
Approved04/13/2022
800
Equifax
$30,000
Approved10/19/2023
776
Not Provided
$20,000
Approved12/16/2021
731
Experian
$10,000
Approved01/26/2022
742
Experian
$10,000
Approved01/26/2022
754
TransUnion
$10,000
Approved01/26/2022
756
Equifax
$10,000

Capital One Venture Rewards Credit Card

Best for casual travelers

Capital One Venture Rewards Credit Card offers some travel rewards for a reasonable $95 fee. If you want a few travel rewards but can’t stomach the annual fee of the Venture X card, consider the Venture Rewards. You’ll also earn 2x miles on every dollar you spend.

Rewards:

2x miles
All eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels and rental cars booked through Capital One Travel
  • Welcome Bonus:  Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
  • Intro APR: None
  • Annual Fee: $95

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved07/11/2023
691
Experian
$5,000

Capital One Quicksilver Cash Rewards Credit Card

Best for big purchases

Capital One Quicksilver Cash Rewards Credit Card offers cash back rewards and a small welcome bonus, plus you get an introductory 0% APR. This makes it an excellent card if you’re planning a large purchase and don’t want to pay the entire amount all at once.

Rewards:

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other eligible purchases
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
Earn 5% cash back on car rentals booked through Capital One Travel
  • Welcome Bonus:  One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved10/15/2023
780
Not Provided
---
Approved01/15/2024
650
Not Provided
$2,000
Approved10/01/2023
700
Not Provided
$1,000
Denied04/01/2023
750
Not Provided
---
Denied06/30/2023
768
Not Provided
---

Capital One QuicksilverOne Cash Rewards Credit Card

Best for straightforward cash back rewards

Capital One QuicksilverOne Cash Rewards Credit Card is a good card for those with fair credit since you get free credit score monitoring and automatic credit line reviews. You’ll also get 1.5% cash back on every purchase. The interest rate is sky-high, so you’ll want to pay off your balance every month or apply for a different card when your credit score improves.

Rewards:  

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel (terms apply)
5% cash back
Rental Cars
Earn 5% cash back on rental cars booked through Capital One Travel (terms apply)
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $39

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved06/01/2023
621
Not Provided
$2,000

Capital One Savor Rewards Credit Card

Best for elevated rewards on everyday purchases

Capital One Savor Rewards Credit Card has excellent rewards, especially for those who spend a lot on dining and entertainment. You also get a modest welcome bonus which you can use to treat yourself to a nice dinner out.

Rewards:  

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases.
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores. (Excludes superstores like Walmart® and Target®.)
4% cash back
Streaming services
Earn unlimited 4% cash back on popular streaming services.
4% cash back
Dining
Earn unlimited 4% cash back on dining.
4% cash back
Entertainment
Earn unlimited 4% cash back on entertainment.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
  • Welcome Bonus:  Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
  • Intro APR: None
  • Annual Fee: $95

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved09/22/2022
630
TransUnion
$3,000
Denied08/20/2022
634
Not Provided
---

Capital One SavorOne Cash Rewards Credit Card

Best for Introductory rate + rewards

Capital One SavorOne Cash Rewards Credit Card offers decent rewards plus a 0% APR on purchases and balance transfers for the first 15 months, and all without an annual fee. This makes it an excellent card for either large purchases or transferring higher interest balances so you can pay them off.

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Welcome Bonus:  $200 Cash Back after you spend $500 on purchases within 3 months from account opening
  • Intro APR: Get 0% APR on purchases and balance transfers for 15 months.
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved07/26/2023
775
Experian
$3,000
Approved09/08/2023
659
Experian
$2,000
Approved09/08/2023
670
Equifax
$2,000
Approved08/22/2023
610
Experian
$3,000
Approved08/22/2023
619
Equifax
$3,000
Approved08/22/2023
697
TransUnion
$3,000
Approved02/10/2023
660
Not Provided
$500
Approved02/12/2023
657
TransUnion
$1,000

Capital One VentureOne Rewards Credit Card

Best for an entry-level travel card for excellent credit

Capital One VentureOne Rewards Credit Card can offer you an easy way to pay off higher interest credit cards with its 0% introductory rate on purchases and balance transfers for 15 months. The rewards are only okay, but there’s no annual fee.

Rewards:

1.25x miles
All eligible purchases
1.25 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels booked through Capital One Travel
5x miles
Rental Cars
5 Miles per dollar on rental cars booked through Capital One Travel
  • Welcome Bonus: Get 20,000 Miles once you spend $500 on purchases within 3 months from account opening
  • Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months.
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved07/28/2022
640
Experian
$2,000

Capital One VentureOne Rewards for Good Credit

Best entry-level travel card for good credit

Capital One VentureOne Rewards for Good Credit is a good travel card for people who travel occasionally, want some rewards, but don’t want to pay an annual fee.  It’s very similar to the Capital One VentureOne Rewards Credit Card, except that there’s no 0% intro APR offer or welcome bonus. Plus, you may not need as high a credit score to get approved for this one.

Rewards:  

1.25x miles
All eligible purchases
1.25 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels booked through Capital One Travel
5x miles
Rental Cars
5 Miles per dollar on rental cars booked through Capital One Travel
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee:  $0

Capital One Quicksilver Cash Rewards for Good Credit

Best for simple cash back

Capital One Quicksilver Cash Rewards for Good Credit is a solid choice if you wanted the Capital One Quicksilver Cash Rewards Credit Card, but didn’t have the excellent credit required to get approved. With this card, you won’t get the bonus or the 0% intro APR offer, but the rewards and the benefits are the same.

Rewards:

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day
5% cash back
Travel
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved06/19/2023
657
TransUnion
$3,000
Approved06/19/2023
672
Experian
$3,000
Approved06/19/2023
695
Equifax
$3,000

Capital One SavorOne Cash Rewards for Good Credit

Best for everyday cash back rewards for good credit

Capital One SavorOne Cash Rewards for Good Credit is a good choice if you like the benefits and rewards of the Capital One SavorOne Cash Rewards Credit Card but don’t have excellent credit. This card also offers excellent benefits and rewards, but you won’t get the bonus or the 0% APR offer. Your APR will be higher as well.

Rewards:  

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
3% cash back
Streaming services
Earn unlimited 3% cash back on popular streaming services
3% cash back
Dining
Earn unlimited 3% cash back on dining
3% cash back
Entertainment
Earn unlimited 3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% Cash Back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
   

  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $0  

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved03/01/2024
642
TransUnion
$500
Approved03/01/2024
778
Experian
$500
Approved03/01/2024
790
Equifax
$500
Approved05/12/2023
680
Not Provided
$3,000
Approved09/26/2023
680
Experian
$3,000
Denied05/06/2023
660
Not Provided
---

Capital One Platinum Credit Card

Best for fair credit

Capital One Platinum Credit Card is a good choice if you have fair credit and are looking to increase your credit score. After you make your first five payments on time, you can be considered for a higher credit line. And there’s no annual fee.

Rewards: None

  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved03/10/2022
610
Experian
$300
Approved04/27/2022
650
Not Provided
$3,000

Capital One Quicksilver Secured Cash Rewards Credit Card

Best for a secured card with rewards

Capital One Quicksilver Secured Cash Rewards Credit Card is a secured credit card, but it also offers cash back rewards on every purchase: unusual in a secured credit card. You’ll have to put down a $200 deposit, but with responsible use you could earn your deposit back, and even upgrade to an unsecured card. Capital One can consider you for a credit increase in as little as six months.

Rewards:  

1.5% cash back
All eligible purchases
Earn 1.5% cash back on every purchase with a refundable $200 minimum deposit.
5% cash back
Hotels
Earn 5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
Earn 5% cash back on rental cars booked through Capital One Travel
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $0

Capital One Platinum Secured Credit Card

Best for poor credit

Capital One Platinum Secured Credit Card is a good choice if you need a secured credit card. It reports to all three credit bureaus, and there is no annual fee. You’ll put down a refundable $200 deposit, which is equal to your credit line.

Rewards: None    

  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee:  $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved10/19/2023
630
Not Provided
---

Capital One SavorOne Student Cash Rewards Credit Card

Best student card for cash back

Capital One SavorOne Student Cash Rewards Credit Card offers 3% cash back on dining, groceries, entertainment and streaming services, which are generous rewards no matter where you are in life. You also get a small bonus, which should just about cover pizza for you and your friends.

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
3% cash back
Supermarkets
Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
3% cash back
Streaming services
Earn 3% cash back on popular streaming services
3% cash back
Dining
Earn 3% cash back on dining
3% cash back
Entertainment
Earn 3% cash back on entertainment
5% cash back
Hotels
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.
5% cash back
Rental Cars
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.
8% cash back
Select Categories
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Welcome Bonus: Earn $50 Cash Back when you spend $100 in the first three months
  • Intro APR: None
  • Annual Fee:  $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved09/22/2021
564
Experian
$500
Denied03/06/2021
752
Not Provided
---

Capital One Quicksilver Student Cash Rewards Credit Card

Best student card for simple cash back

Capital One Quicksilver Student Cash Rewards Credit Card gives you an unlimited 1.5% cash back on every purchase. If you don’t want to keep track of what categories you earn cash back in, this card is for you. You also get a small bonus, all for no annual fee.

Rewards:  

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day.
5% cash back
Hotels
5% Cash Back on hotels booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
5% Cash Back on rental cars booked through Capital One Travel (terms apply).
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.
  • Welcome Bonus:  Earn $50 Cash Back when you spend $100 in the first three months
  • Intro APR: None
  • Annual Fee:  $0

Key Rewards Visa

Best for shopping at Pottery Barn and other associated brands

Key Rewards Visa offers 5% off purchases at Pottery Barn and associated stores, which includes Williams Sonoma, Pottery Barn Kids, Pottery Barn Teen, Williams Sonoma Home, West Elm, and Mark & Graham. You also get a $25 gift card on your birthday. However, all of the rewards you earn must be redeemed at Pottery Barn and associated stores: there is no other option. There’s four variations of this card, depending on which store you prefer:  Pottery Barn Key Rewards Visa;  Williams Sonoma Key Rewards Visa; and West Elm Key Rewards Visa are all essentially the same card with a different image on the front.

Rewards:

1% cash back
On all other eligible purchases
Get 1% back in rewards on everything else
4% cash back
U.S. supermarkets
Get 4% back in rewards at U.S. Supermarkets
4% cash back
Dining
Get 4% back in rewards at U.S. restaurants (excluding fast food)
5% cash back
Select Categories
Get 5% online and in stores across seven brands: Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, and Mark & Graham
  • Welcome Bonus:  Get 10% back in rewards (double the usual rate) for the first 30 days the account is open
  • Intro APR: None
  • Annual Fee: $0

Cabela’s CLUB® Card

Best for shopping at Cabela’s and Bass Pro Shops

Cabela’s CLUB® Card is identical to the Bass Pro Shops® CLUB Card card, especially since Cabela’s and Bass Pro Shops merged in 2017. The rewards, welcome bonus, and APR for both stores are the same. Unless you live and breathe Cabela’s and Bass Pro Shops, you’d be better off with a 2% cash back card that rewards you for every purchase.

Rewards:  

1% cash back
On all other eligible purchases
Get 1% back in Club points on all other purchases
2% cash back
Select Categories
Get 2% back in Club points on all Cabela's and Bass Pro Shops purchases
  • Welcome Bonus: Get $20 in Club points upon approval; $10 after 2 Bass Pro Shops or Cabela's purchases, and $10 after five purchases everywhere else Mastercard is accepted
  • Intro APR: None
  • Annual Fee:  $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Denied10/07/2019
700
Not Provided
---

BJ’s One™ Mastercard®

Best for occasional shopping at BJs

BJ’s One™ Mastercard® is the card for you if you shop at BJs but only have the lower tier level of membership. The way it works is you apply for a card, and whatever level of membership you have (BJs One or BJs One Plus) dictates what card you can be approved for. You do need to have a BJs membership already to apply for either of them. Both cards will only allow you to redeem your rewards at BJs, and this card gets you $0.10 off a gallon of gas at BJs.

Rewards:

1.5% cash back
On all other eligible purchases
1.5% back in rewards on all other purchases
3% cash back
Select Categories
3% in rewards for most purchases at BJs
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee:  $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved03/28/2023
666
Equifax
$2,000

BJ’s One+™ Mastercard®

Best for BJs enthusiasts

BJ’s One+™ Mastercard® and the BJ’s One™ Mastercard® are brand new cards for Capital One, just launched in February 2023. This card is for those with the higher tier membership, which is currently $110 a year. You get a boost in rewards and $0.15 off per gallon of gas at BJs, but all of your rewards must be redeemed at BJs.

Rewards:  

2% cash back
On all other eligible purchases
Earn 2% back in rewards everywhere Mastercard is accepted
5% cash back
Select Categories
Earn 5% back in rewards on most BJs purchases
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $0

Capital One Business Credit Cards

I’ve carried a Capital One Spark business card for years. It keeps my business expenses separate from my personal expenses, and it offers great rewards.

CardWelcome BonusAnnual Fee
Capital One Spark Miles for BusinessEarn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening$0 intro for first year; $95 after that, waived for the first year
Capital One Spark Cash Select for Excellent Credit$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening$0
Capital One Spark Cash Plus$1,200 Cash Back once you spend $30,000 in the first 3 months $150
Capital One Spark Cash Select for Good Credit N/A$0
Capital One Spark Classic for BusinessNone$0
Capital One Spark Miles Select for Business Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.$0
CLUB Business Mastercard® Earn $75 in Club points when you spend $1,000 on your Club Business card within the first 60 days of account approval.

$0


Capital One Spark Miles for Business

Best for elevated rewards on all purchases

Capital One Spark Miles for Business offers small business owners a nice bonus. If you don’t want to keep track of what categories you spend money on, Spark Miles for Business makes it simple: you’ll earn 2x points per every dollar you spend. The annual fee is waived for the first year.

Rewards:

2x miles
All eligible purchases
Earn unlimited 2X miles on every purchase
5x miles
Hotels
Earn 5x on hotels booked through Capital One
5x miles
Rental Cars
Earn 5x miles on rental cars booked through Capital One Travel
  • Welcome Bonus:  Earn a one-time bonus of 50,000 miles - equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening
  • Intro APR: None
  • Annual fee: $0 intro for first year; $95 after that, waived for the first year

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved11/19/2019
713
Experian
$30,000
Approved11/19/2019
728
TransUnion
$30,000
Approved11/19/2019
734
Equifax
$30,000

Capital One Spark Cash Select for Excellent Credit

Best for cash back with no annual fee

Capital One Spark Cash Select for Excellent Credit is a good choice if you don’t spend a lot each month, but want some cash back rewards and don’t want to keep track of rotating categories. There is a small bonus, which is nice, and you also get 5% cash back on hotels and rentals cars booked through Capital One Travel.

Rewards:

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Welcome Bonus:  $750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening
  • Intro APR: None
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved07/22/2022
750
Not Provided
$20,000
Denied07/16/2022
755
Equifax
---

Capital One Spark Cash Plus

Best charge card with elevated cash back on all purchases

Capital One Spark Cash Plus is a charge card, not a credit card, which means you need to pay your balance in full every month (always a good idea anyway). You’ll earn an unlimited 2% cash back on every purchase, and there’s no preset spend limit. So, if your expenses vary from month to month and you always pay in full, this card is a good fit.

Rewards:

2% cash back
On all other eligible purchases
Earn unlimited 2% cash back on every purchase, everywhere-with no limits or category restrictions.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
  • Welcome Bonus: $1,200 Cash Back once you spend $30,000 in the first 3 months
  • Intro APR: None
  • Annual Fee: $150

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved11/01/2023
790
Not Provided
---

Capital One Spark Cash Select for Good Credit

Best starter business card for good credit

Capital One Spark Cash Select for Good Credit is a good fit for businesses just getting off the ground. There’s a 0% intro APR offer, perfect if you need to set up an office or purchase equipment. You’ll also earn an unlimited 1.5% cash back on every purchase, and there’s no annual fee.

Rewards:

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
  • Welcome Bonus: N/A
  • Intro APR: Get 0% APR on purchases for 12 months
  • Annual Fee:  $0

Capital One Spark Classic for Business

Best business card for fair credit

Sometimes even the best businesses struggle with credit scores. If your credit isn’t quite as good as it could be, consider Capital One Spark Classic for Business. You’ll earn 1% cash back on every purchase, plus 5% cash back on travel booked through Capital One. There’s no annual fee, and you even get roadside assistance–perfect if you have salespeople out in the field (employee cards are free).

Rewards:

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
5% cash back
Hotels
5% cash back on hotels booked through Capital One Travel
5% cash back
Rental Cars
5% cash back on rental cars booked through Capital One Travel
  • Welcome Bonus: None
  • Intro APR: None
  • Annual Fee: $0

Approval Odds

App StatusDateCredit ScoreBureauCredit Limit
Approved01/02/2024
590
Equifax
$300
Approved01/02/2024
602
TransUnion
$300
Approved01/02/2024
677
Experian
$300
Approved01/27/2023
660
Not Provided
$1,000

Capital One Spark Miles Select for Business

Best for business travel rewards with no annual fee

Capital One Spark Miles Select for Business is a good choice if you want to rack up travel rewards miles and don’t want to pay an annual fee. You’ll earn 1.5 miles on every purchase and 5x miles on hotels and rental cars booked through Capital One. And there’s a very nice bonus, worth at least $500 but possibly more if you transfer the points to a Capital One travel partner.

Rewards:

1.5x miles
All eligible purchases
Earn unlimited 1.5X miles on every purchase
5x miles
Hotels
Earn 5X miles on hotels booked through Capital One Travel
5x miles
Rental Cars
Earn 5X miles on rental cars booked through Capital One Travel
  • Welcome Bonus: Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
  • Intro APR: None
  • Annual Fee: $0

Approval Odds


CLUB Business Mastercard®

Best for outdoor-oriented businesses

CLUB Business Mastercard® is a good choice if your small business centers on the great outdoors. You get a very nice APR on all Cabela’s and Bass Pro Shops purchases (7.99%), and a 5% discount on store purchases. You also get some business benefits, such as free employee cards and year-end purchase summaries. However, this isn’t really a cash back card, as all rewards come in the form of Club points and must be used at Cabela’s and Bass Pro Shops.

Rewards:

1.5x points
On all other eligible purchases
Earn 1.5% back in Club points on all other purchases
2.5x points
Select Categories
Earn 2.5% back in Club points at participating Cenex® convenience stores
5x points
Select Categories
Earn 5% back in Club points at Bass Pro Shops and Cabela's
  • Welcome Bonus: Earn $75 in Club points when you spend $1,000 on your Club Business card within the first 60 days of account approval.
  • Intro APR: None
  • Annual Fee:  $0

Final Thoughts

So which Capital One credit card is best for you? If you have excellent credit, Capital One Venture X Rewards Credit Card is the most rewarding travel card. If you want to focus on cash back, consider the Capital One Quicksilver Cash Rewards Credit Card card. For limited or bad credit, the Capital One Platinum Credit Card is among the best. Consider your finances, what you spend money on, and your financial goals, and then apply for the Capital One card that’s the best fit for you.