Best Capital One Credit Cards of May 2026

BCC Editor's Pick 2026

Rates & Fees

Capital One VentureOne Rewards Credit Card

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

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

Rewards Rate

1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
$0 annual fee and no foreign transaction fees
Earn unlimited 1.25X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs
Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Pros

Top tier travel perks like the ability to transfer miles to travel partners, while you pay no annual fee
Earning is easy with unlimited 1.25 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel – no caps and no restrictions
Traveling overseas is a breeze thanks to no foreign transaction fees

Cons

Balance transfer fee applies
Some cards offer higher rewards rates and bigger welcome offers, although they often have an annual fee

Rates & Fees

Capital One Venture Rewards Credit Card

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

Rewards Rate

2 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

N/A, then 19.49% - 28.49% (Variable)

Annual Fee

$95

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Top rated mobile app

Pros

Simplify your rewards with a flat rate of 2 Miles per dollar on every purchase, every day and 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
Industry-leading flexibility for travel redemptions – choose between statement credits or transferring miles
The hefty sign up bonus allows you to take to the skies even sooner

Cons

No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate
The $95 annual fee is not waived the first year, although the rewards tend to outweigh the cost of the fee

Rates & Fees

Capital One Venture X Rewards Credit Card

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

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

Rewards Rate

2 Miles per dollar on every purchase, every day, 10 Miles per dollar on hotels and rental cars booked through Capital One Travel, 5 Miles per dollar on flights and vacation rentals booked through Capital One Travel

Intro APR

N/A, then 19.49% - 28.49% (Variable)

Annual Fee

$395

Credit Score Needed

Excellent

Card Brand

Visa

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app

Pros

Earn up to 10x Miles on select purchases
Breathtaking sign up bonus
Generous annual credits keep the rewards coming year after year

Cons

The annual fee is not waived the first year
No intro APR on purchases or balance transfers. A Balance Transfer Fee applies to balances transferred at a promotional rate

Rates & Fees

Capital One Savor Cash Rewards Credit Card

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

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

Rewards Rate

3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases

Intro APR

0% intro on purchases for 12 months and 0% intro on balance transfers for 12 months, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Pros

A simple, yet rewarding cash back program that pays you for spending on what you love most – food and entertainment
No sign ups needed, no rotating categories, and no limit on the amount of cash back you can earn
No foreign transaction fees makes this a great choice for traveling abroad

Cons

Balance transfer fee applies

Rates & Fees

Capital One Venture Business

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months

Rewards Rate

2 Miles per $1 on every purchase, everywhere, 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel

Intro APR

N/A, then 24.49% (Variable)

Annual Fee

$95

Credit Score Needed

Excellent

Card Brand

Mastercard®

Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
$95 annual fee
Free employee cards which also earn unlimited 2X miles from their purchases
Top rated mobile app

Pros

Earn a generous sign up bonus worth $1,500 in travel
Simplify your rewards with a generous rate of 2 Miles per $1 on every purchase
Extra travel perks like airport security credit and miles transfers to 15+ leading travel loyalty programs

Cons

The spending threshold for the sign up bonus is rather high
No intro APR on purchases or balance transfers. Balance transfers are not available on Venture Business

Rates & Fees

Capital One Venture X Business

5.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening

Rewards Rate

2 Miles per dollar on every purchase, 5 Miles per dollar on flights and vacation rentals booked through Capital One Business Travel, 10 Miles per dollar on hotels and rental cars booked through Capital One Business Travel

Intro APR

N/A, then N/A

Annual Fee

$395

Credit Score Needed

Excellent

Card Brand

Visa

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
Receive up to a $120 credit for Global Entry or TSA PreCheck®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month
Top rated mobile app

Pros

Earn unlimited miles on every purchase, everywhere.
The generous loyalty program gives accounts 10,000 bonus miles after your account anniversary date every year.
Enjoy employee and virtual cards at no extra cost.

Cons

There is a large annual fee that is not waived for the first year like some other business cards.
This is a pay-in-full card; Balance transfers are not available on Venture X Business and there is no intro or ongoing APR for purchases. All ongoing balances will be charged 2.99% of the unpaid portion.

Rates & Fees

Capital One Quicksilver Cash Rewards Credit Card

4.5 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

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

Rewards Rate

1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Mastercard®

Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Pros

1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Lengthy intro APR on purchases and balance transfers. Balance transfer fee applies
No annual fee, no foreign transaction fees, and no minimums for redeeming cash back

Cons

Some cards offer more than 1.5% Cash Back, although they typically come with restrictions
Balance transfer fee applies

Rates & Fees

Capital One Spark Cash

4.5 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn $1,000 Cash Back once you spend $10,000 in the first 3 months from account opening

Rewards Rate

2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel

Intro APR

N/A, then 24.49% (Variable)

Annual Fee

$0 intro for first year; $95 after that

Credit Score Needed

Excellent

Card Brand

Mastercard®

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening
For businesses that want to earn 2% cash back on all purchases with the familiarity of a traditional credit line
Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
$0 annual fee for the first year; $95 after that
Free employee cards, which also earn unlimited 2% cash back on all purchases
Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees
Top rated mobile app

Pros

Unlimited cash back rewards and with no caps or expirations
Earn a big sign up bonus

Cons

No Intro APR on purchases or balance transfers. Balance transfers are not available on Spark Cash
Excellent credit is recommended for this card

Rates & Fees

Capital One Spark Cash Plus

4.5 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn $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

Rewards Rate

2% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel

Intro APR

N/A, then N/A

Annual Fee

$150

Credit Score Needed

Excellent

Card Brand

Visa®

Earn a one-time cash bonus of $2,000 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. You can earn this bonus multiple times over the course of year 1!
Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Enjoy big purchasing power so you can spend more and earn more rewards. The Spark Cash Plus card has no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history, credit profile and other factors
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Streamline your accounts payable process, employee spending, and more from your online account with free business management tools
Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards
$150 annual fee - Spend $150,000 annually and Capital One will refund this fee every year
Spark Cash Plus has no APR because your balance is due in full every month
For businesses that need large spending capacity and want to maximize cash back
Top rated mobile app

Pros

Unlimited cash back rewards and with no caps or expirations
Earn a big sign up bonus
Enjoy the flexibility and convenience of a charge card

Cons

No intro APR on purchases or balance transfers. Balance transfers are not available on Spark Cash Plus.
There is an annual fee of $150

Rates & Fees

Capital One Spark Cash Select

4.5 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

$750 Cash Back once you spend $6,000 on purchases within the first 3 months from account opening

Rewards Rate

1.5% Cash Back on every purchase, 5% Cash Back on hotels and rental cars booked through Capital One Business Travel

Intro APR

N/A, then 16.74% - 22.74% (Variable)

Annual Fee

$0

Credit Score Needed

Excellent

Card Brand

Mastercard®

Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
No annual fee
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Rewards won't expire for the life of the account
Redeem your cash back rewards for any amount
Free employee cards, which also earn unlimited 1.5% cash back on all purchases
$0 Fraud Liability for unauthorized charges
Top rated mobile app

Pros

No annual fee
Sign-up bonus
Unlimited cash back with no category restrictions

Cons

No Intro APR
Excellent credit is recommended

Rates & Fees

Capital One Quicksilver Student Cash Rewards Credit Card

4.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

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

Rewards Rate

1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

N/A, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Average, Fair, Limited

Card Brand

Mastercard

Earn unlimited 1.5% cash back on every purchase, every day
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Build your credit with responsible card use
Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Top rated mobile app

Pros

Simple cash back with 1.5% Cash Back on every purchase, every day
Pay no annual fee and no foreign transaction fees
Enjoy helpful account management tools like $0 fraud liability for unauthorized transactions and automatic consideration for a higher credit line in as little as 6 months

Cons

No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate.

Rates & Fees

Capital One Savor Student Cash Rewards Credit Card

4.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

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

Rewards Rate

3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases

Intro APR

N/A, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Average, Fair, Limited

Card Brand

Mastercard

Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Build your credit with responsible card use
Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Top rated mobile app

Pros

Pay no annual fee and no foreign transaction fees
Earn generous cash back rewards on purchases with no limits
Enjoy helpful account management tools like $0 fraud liability and automatic consideration for a higher credit line in as little as 6 months

Cons

No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate