Best Capital One Credit Cards (2024)

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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

Card	Welcome Bonus	Annual 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	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 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
	None	; but you must be a BJ’s member
	None	; 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:

• 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/28/2024	791	Experian	$30,000
Approved	04/08/2023	730	Not Provided	---
Approved	04/25/2024	634	Not Provided	$3,000
Approved	04/25/2024	650	Not Provided	$3,000
Approved	04/25/2024	666	Not Provided	$3,000
Approved	10/11/2023	820	Equifax	$20,000
Approved	10/11/2023	828	TransUnion	$20,000
Approved	10/11/2023	830	Experian	$20,000
Approved	10/03/2023	800	Not Provided	$20,000
Approved	04/11/2024	696	TransUnion	$15,000
Approved	04/11/2024	702	Equifax	$15,000
Approved	04/11/2024	728	Experian	$15,000
Approved	05/27/2024	820	Experian	$30,000
Approved	07/12/2023	677	Not Provided	$10,000
Approved	08/08/2023	735	Experian	$10,000
Approved	08/08/2023	739	TransUnion	$10,000
Approved	08/08/2023	741	Equifax	$10,000
Approved	11/04/2023	715	TransUnion	$20,000
Approved	11/04/2023	717	Experian	$20,000
Approved	09/18/2023	813	Not Provided	$20,000
Approved	03/06/2023	720	Experian	$20,000
Approved	03/06/2023	732	Equifax	$20,000
Approved	03/06/2023	735	TransUnion	$20,000
Approved	05/09/2024	758	Not Provided	$10,000
Approved	09/13/2023	719	Not Provided	$15,000
Approved	01/23/2024	822	TransUnion	$30,000
Approved	01/23/2024	827	Experian	$30,000
Approved	12/03/2023	734	Equifax	$20,000
Approved	12/03/2023	744	TransUnion	$20,000
Approved	12/03/2023	758	Experian	$20,000
Approved	09/27/2023	741	Not Provided	$10,000
Approved	12/14/2023	750	Experian	$10,000
Approved	10/19/2023	776	Not Provided	$20,000
Approved	04/10/2024	705	Experian	$30,000
Denied	04/23/2024	815	Not Provided	---
Denied	09/12/2023	761	Experian	---
Denied	09/12/2023	776	Equifax	---
Denied	09/12/2023	787	TransUnion	---
Denied	12/31/2023	741	TransUnion	---
Denied	12/31/2023	775	Equifax	---
Denied	12/05/2023	754	TransUnion	---
Denied	12/05/2023	769	Experian	---
Denied	12/05/2023	777	Equifax	---
Denied	04/03/2024	760	Not Provided	---

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:

• Welcome Bonus:  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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/11/2023	686	TransUnion	$5,000
Approved	07/11/2023	688	Equifax	$5,000
Approved	07/11/2023	691	Experian	$5,000
Approved	04/19/2024	783	Experian	$3,000
Approved	04/19/2024	803	Equifax	$3,000

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:

• 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	10/15/2023	780	Not Provided	---
Approved	01/15/2024	650	Not Provided	$2,000
Approved	10/01/2023	700	Not Provided	$1,000
Denied	04/01/2023	750	Not Provided	---
Denied	06/30/2023	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:  

• Welcome Bonus: None
• Intro APR: None
• Annual Fee: $39

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/01/2023	621	Not Provided	$2,000
Approved	08/06/2024	664	TransUnion	$500
Approved	08/06/2024	666	Equifax	$500

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:

• 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/06/2023	740	Not Provided	$1,000
Approved	09/13/2023	720	TransUnion	$10,000
Approved	09/13/2023	740	Equifax	$10,000
Approved	09/13/2023	780	Not Provided	$10,000
Approved	12/05/2023	760	Not Provided	$10,000
Approved	02/01/2023	661	Experian	$5,000
Approved	02/01/2023	729	TransUnion	$5,000
Approved	05/11/2023	815	Not Provided	$10,000
Approved	06/08/2023	620	Not Provided	$5,000
Approved	04/04/2023	700	Not Provided	$1,000
Approved	08/14/2023	734	Experian	$1,000
Approved	08/14/2023	738	Not Provided	$1,000
Approved	02/02/2023	795	Not Provided	$15,000
Approved	02/02/2023	803	Not Provided	$15,000
Approved	09/05/2023	820	Experian	$40,000
Approved	04/12/2023	768	Equifax	$20,000
Approved	04/12/2023	768	TransUnion	$20,000
Approved	04/12/2023	772	Experian	$20,000
Approved	02/12/2023	657	TransUnion	$1,000
Approved	08/10/2023	672	Not Provided	---
Approved	08/10/2023	803	Experian	---
Denied	06/16/2023	700	Not Provided	---
Denied	10/25/2023	776	Not Provided	---
Denied	10/25/2023	778	Not Provided	---
Denied	03/08/2023	811	TransUnion	---
Denied	03/26/2024	736	Experian	---
Denied	06/17/2023	797	Not Provided	---
Denied	08/05/2023	710	Not Provided	---
Denied	12/02/2023	771	TransUnion	---
Denied	12/02/2023	804	Experian	---

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:

• 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/28/2022	640	Experian	$2,000
Approved	08/04/2021	780	Not Provided	$3,000

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:  

• 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:

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

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	06/19/2023	657	TransUnion	$3,000
Approved	06/19/2023	672	Experian	$3,000
Approved	06/19/2023	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:  

   

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

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/17/2024	597	Experian	$3,000
Approved	01/17/2024	608	Equifax	$3,000
Approved	01/17/2024	631	TransUnion	$3,000
Approved	03/01/2024	642	TransUnion	$500
Approved	03/01/2024	778	Experian	$500
Approved	03/01/2024	790	Equifax	$500
Approved	05/12/2023	680	Not Provided	$3,000
Approved	03/12/2024	606	Not Provided	$3,000
Approved	08/08/2023	630	Not Provided	---
Approved	07/26/2023	775	Experian	$3,000
Approved	09/08/2023	617	TransUnion	$2,000
Approved	09/08/2023	659	Experian	$2,000
Approved	09/08/2023	670	Equifax	$2,000
Approved	01/10/2023	577	TransUnion	$1,000
Approved	01/10/2023	587	Equifax	$1,000
Approved	01/10/2023	645	Experian	$1,000
Approved	12/05/2023	650	Experian	$500
Approved	09/19/2023	750	Not Provided	$1,500
Approved	05/11/2022	715	Not Provided	$10,000
Approved	05/11/2022	823	Not Provided	$10,000
Approved	08/22/2023	610	Experian	$3,000
Approved	08/22/2023	619	Equifax	$3,000
Approved	08/22/2023	697	TransUnion	$3,000
Approved	02/10/2023	660	Not Provided	$500
Approved	09/26/2023	680	Experian	$3,000
Approved	10/23/2023	740	TransUnion	$3,000
Approved	10/23/2023	750	Experian	$3,000
Approved	10/23/2023	751	Equifax	$3,000
Denied	05/06/2023	660	Not Provided	---
Denied	03/16/2023	760	Not Provided	---
Denied	06/01/2023	752	TransUnion	---
Denied	06/01/2023	789	Experian	---

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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/10/2022	610	Experian	$300
Approved	04/27/2022	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:  

• 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 Status	Date	Credit Score	Bureau	Credit Limit
Approved	10/19/2023	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: 

• Welcome Bonus: Earn $50 Cash Back when you spend $100 in the first three months
• Intro APR: None
• Annual Fee:  $0

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	08/13/2024	749	Equifax	$3,000
Approved	09/22/2021	564	Experian	$500
Approved	06/05/2023	722	Not Provided	$3,000
Approved	08/01/2023	720	Not Provided	$500
Denied	03/06/2021	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:  

• Welcome Bonus:  Earn $50 Cash Back when you spend $100 in the first three months
• Intro APR: None
• Annual Fee:  $0

Best for shopping at Pottery Barn and other associated brands

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:  ;  ; and are all essentially the same card with a different image on the front.

Rewards:

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

Best for shopping at Cabela’s and Bass Pro Shops

is identical to the 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:  

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

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Denied	10/07/2019	700	Not Provided	---

Best for occasional shopping at BJs

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:

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

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/28/2023	666	Equifax	$2,000

Best for BJs enthusiasts

 and the 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:  

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

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.

Card	Welcome Bonus	Annual Fee
Capital One Spark Miles for Business	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	$0 intro for first year; $95 after that, waived for the first year
Capital One Spark Cash Select	$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening	$0
Capital One Spark Cash Plus	$2,000 Cash Back 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	$150
Capital One Spark Cash Select for Good Credit	N/A	$0
Capital One Spark Classic for Business	None	$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

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:

• 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 Status	Date	Credit Score	Bureau	Credit Limit
Denied	10/19/2022	580	Not Provided	---
Denied	10/19/2022	642	Experian	---

Capital One Spark Cash Select

Best for cash back with no annual fee

Capital One Spark Cash Select 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:

• Welcome Bonus:  $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening
• Intro APR: None
• Annual Fee: $0

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/22/2022	750	Not Provided	$20,000
Denied	07/16/2022	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:

• Welcome Bonus: $2,000 Cash Back 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
• Intro APR: None
• Annual Fee: $150

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	11/01/2023	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:

• 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:

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

Approval Odds

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	01/02/2024	590	Equifax	$300
Approved	01/02/2024	602	TransUnion	$300
Approved	01/02/2024	677	Experian	$300
Approved	01/27/2023	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:

• 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

Best for outdoor-oriented businesses

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:

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

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.