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The best Capital One credit cards

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The best Capital One credit cards

Meghan HunterThe best Capital One credit cardsMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Capital One is known for its simple credit card rewards programs, great customer service and easy-to-use website and apps. If you don’t like to think about the complexities of credit card rewards programs, you’ll find Capital One cards to be convenient. But there are many Capital One credit cards, so which one is the best choice for you?

Right now there are a couple of massive offers of up to $2,000 cash or up to 200,000 miles for some of the Capital One small-business cards. If you’re looking for a business card and can meet the hefty spending requirements, you’ll want to review those offers.

Best Capital One credit cards of 2020

Credit CardSign-Up BonusAnnual FeeEarning Rate
Capital One® Spark® Miles for BusinessLimited-time up to 200,000-mile offer: 50,000 miles after spending $5,000 on purchases within the first three months of account opening and 150,000 miles after spending $50,000 (in total) in the first six months.$95, waived the first year2 miles per $1 on every purchase
Capital One® Venture® Rewards Credit Card50,000 miles after you spend $3,000 on purchases within 3 months of account opening$95, waived the first year2 miles per $1 on every purchase
Capital One® VentureOne® Rewards Credit Card20,000 miles after spending $1,000 on purchases within 3 months of account openingNo annual fee1.25 miles per $1 on every purchase
Capital One® Savor® Cash Rewards Credit Card$300 cash bonus after spending $3,000 on purchases within the first 3 months of account opening$95, waived the first yearUnlimited 4% cash back on dining and entertainment
Capital One® Spark® Miles Select for Business20,000 miles after spending $3,000 on purchases within 3 months of account openingNo annual fee1.5 miles per $1 on every purchase
Capital One Venture miles are flexible and can be used for stays at unique Airbnb properties, like this one. (Photo courtesy of Airbnb)


Capital One® Venture® Rewards Credit Card

(Photo by Wyatt Smith)

Best for earning travel rewards

Bonus

When you open a Capital One Venture card, you can earn 50,000 Venture miles after spending $3,000 on purchases within the first three months. These points are worth at least $500 toward travel expenses, but can be worth much more if you transfer them to airline partners.

Benefits

The Venture card earns an unlimited 2x Venture miles on all purchases. Also, if you book hotels or rental cars through the Capital One Travel℠ site and pay with your card, you’ll earn 5x miles on the those purchases. The Venture card is an excellent card to use for hotel stays, if you’re not chasing hotel elite status.

Capital One Venture miles transfer to the same airline partners as do the Spark Miles you can earn with the business card. This added flexibility means you could redeem your Venture miles for one cent each toward travel expenses like a rental car or hotel stay or you could use Capital One miles to book yourself a fancy business-class flight.

If you’d like to get Global Entry or TSA PreCheck, this card will reimburse you for the application fee (of one or the other, but not both) once every four years. That’s a savings of up to $100. As a Visa Signature card, it also offers secondary rental car insurance for damage from collision or theft, travel accident insurance and lost luggage insurance.

Annual Fee

$95, waived the first year.

Insider Secret

Because the Capital One Venture card annual fee is waived the first year, you won’t find a cheaper way to get the fee reimbursed for your TSA PreCheck or Global Entry application. With the addition of airline transfer partners, Venture miles have become much more valuable without losing any of the simplicity that they had before.

If you don’t want to bother with airline award charts and routing rules, this card’s bonus is still worth $500 in travel. How can you not be happy with that? For more details, take a look at our full Capital One Venture review.

Apply here: Capital One® Venture® Rewards Credit Card

Capital One® VentureOne® Rewards Credit Card

Best no-annual-fee card for earning travel rewards

Bonus

The Capital One VentureOne credit card comes with a bonus of 20,000 miles after you spend $1,000 on purchases within the first three months of account opening. That’s worth at least $200 in travel and can be redeemed toward travel-related purchases or you can transfer your miles to Capital One’s airline partners.

Benefits

This no-annual-fee Capital One VentureOne card earns 1.25x Capital One miles on all purchases. You’ll also earn 5x miles on hotel and rental car reservations made with your card through the Capital One Travel site.

The miles you earn with the VentureOne card are transferable to Capital One airline partners. For ideas on how to redeem your rewards, check out our post on the best ways to use Capital One miles.

This card also comes with secondary rental car insurance, extended warranty benefits and travel accident insurance.

Annual Fee

$0

Insider Secret

Because the transfer ratio for Capital One miles is 2:1.5 (2:1 for Singapore Airlines, JetBlue and Emirates) you’re earning less than 1 mile per dollar with the VentureOne card. This isn’t a good return at all, especially when you consider that there are much better no-annual-fee cards like the Chase Freedom Unlimited®, which earns 1.5% cash back on every purchase. Read our full Capital One VentureOne credit card review for an in-depth look at this cards benefits.

Apply here: Capital One® VentureOne® Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Best for dining and entertainment purchases

Bonus

The Capital One Savor comes with a $300 cash bonus, which you’ll earn after you spend $3,000 on purchases within the first three months of account opening.

Benefits

Capital One Savor earns 4% cash back on dining and entertainment purchases. On top of that, you’ll also get 2% cash back at grocery stores and 1% back on all other purchases.

Annual Fee

$95, waived the first year.

Insider Secret

The Capital One Savor is one of the best credit cards for restaurants, and because the annual fee is waived for the first year, the $300 introductory bonus is yours to put toward any expense you wish. You can read our Capital One Savor card review for more information.

Apply here: Capital One® Savor® Cash Rewards Credit Card

Capital One® Spark® Miles Select for Business

Best no-annual-fee business card for earning transferable miles

Bonus

The Capital One Spark Miles Select card has a 20,000-mile welcome bonus, which you’ll earn after spending $3,000 in the first three months of account opening. This bonus is worth at least $200 in travel.

Benefits

The Spark Miles Select card earns 1.5x miles on all purchases. The card also comes with some Visa Signature benefits, like secondary rental car insurance (for collision or theft) and purchase protections. You’ll also earn 5x Spark miles when you use your card to book hotels or rental cars through the Capital One travel site with your card.

You can redeem Spark Miles for one cent each toward travel expenses or transfer them to Capital One airline partners.

Annual Fee

$0

Insider Secret

Spark Miles transfer to most airlines at a 2:1.5 ratio, so even though this card earns 1.5 Spark Miles per dollar that’s an average rate of return (at best) and you can do much better with other no-annual-fee credit cards. For example, the Blue Business® Plus Credit Card from American Express has no annual fee (see rates and fees) and it earns 2x Amex Membership Rewards points on the first $50,000 spent per year, then 1x.

Apply here: Capital One® Spark® Miles Select for Business

How to choose the best Capital One credit card

Capital One offers personal travel credit cards and small-business cards. Anyone can apply for a personal card, and if you have decent credit, you stand a good chance of approval. However, you must have a for-profit venture to apply for a small-business credit card. That doesn’t mean you must make millions in revenue. In fact, there are many side hustles, which qualify for a small-business credit card.

Whether you want a card for personal or small-business use is the first consideration. Then compare your options and see which Capital One rewards card is best for you. If you want a card with a solid sign-up bonus, cash back, flexible rewards and no foreign transaction fees, a Capital One card could make sense for you.

Bottom line

The best Capital One credit cards of 2020 are:

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For rates and fees of the Blue Business Plus Card, please click here.

Featured image by JFL Photography/Shutterstock.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day.
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Named ‘The Best Travel Card' by CNBC, 2018
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Can i apply for 2 Capital one cards on same day and be approved for both? Or is there a restriction of how many cards to appy fr this company (Like Chase and Citibank)?

Also would Capital One merge my 2 inquires into one if applied on same day?