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The Best Capital One Credit Cards of July 2022

The Best Capital One Credit Cards of July 2022

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Capital One offers a wide variety of credit cards, from options that can help you build your credit to a premium card that earns valuable travel rewards. The Capital One Venture Rewards Credit Card is especially popular thanks to its robust marketing budget and television commercials, but it’s not necessarily the right Capital One card for you. The best option is the one that fits your spending style and your goals.

Capital One is also a good pick if you plan to travel overseas because none of its cards charge foreign transaction fees. This can save you anywhere from 3% to 5% on your purchases abroad compared to using cards from other banks that tack on fees for international purchases.

Here are the best Capital One credit cards of 2022.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best welcome bonus and upscale travel perks: Capital One Venture X 


Regular APR


18.49% – 25.49% (Variable)


Recommended Credit Score


Excellent


Regular APR


18.49% – 25.49% (Variable)


Recommended Credit Score


Excellent

Pros

  • Excellent welcome bonus and miles earning
  • Premium perks including airport lounge access and statement credits
  • Visa Infinite benefits including travel and shopping protections

Cons

  • High annual fee
  • Annual travel statement credits only apply to Capital One Travel purchases

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More Information

  • 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 up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of 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 booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • 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

Best for travel rewards: Capital One Venture Card


Regular APR


17.49% – 25.49% (Variable)


Recommended Credit Score


Good to Excellent


Regular APR


17.49% – 25.49% (Variable)


Recommended Credit Score


Good to Excellent

More Information

  • 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
  • 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 $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • 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

Best for flat-rate cash back: Capital One Quicksilver


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Good to Excellent


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Good to Excellent

More Information

  • 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 and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • 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; 16.49%-26.49% variable APR after that

Best for dining and entertainment: Capital One Savor Card


Regular APR


15.99% – 24.99% variable APR


Recommended Credit Score


Excellent


Regular APR


15.99% – 24.99% variable APR


Recommended Credit Score


Excellent

More Information

  • Unlimited 4% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases
  • No Foreign Transaction Fees
  • One-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening

Best for dining and entertainment with no annual fee: Capital One SavorOne


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Good to Excellent


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Good to Excellent

Pros

  • No annual fee
  • Bonus cash back on dining, entertainment, and grocery store purchases
  • Long intro APR period for purchases and balance transfers

Cons

  • Other cards earn more cash back in certain bonus categories
  • Not the highest sign-up bonus among cash-back cards

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More Information

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
  • 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
  • Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • 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; 16.49% – 26.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

Best for earning cash back while building credit: Capital One Quicksilver Secured Card


Regular APR


26.99% (Variable)


Recommended Credit Score


Limited, No History


Regular APR


26.99% (Variable)


Recommended Credit Score


Limited, No History

Pros

  • Earns 1.5% cash back on all purchases with no limits
  • You can get approved for this card with limited credit
  • Ability to increase credit line and potential to improve credit score with responsible use

Cons

  • No welcome bonus
  • Because it’s a secured credit card, you’ll have to put down a security deposit for your initial credit line
  • High APR if you carry a balance

More Information

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • 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
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone

Best for building credit with a lower security deposit: Capital One Platinum Secured Credit Card


Regular APR


26.99% (Variable)


Recommended Credit Score


Limited, Bad


Regular APR


26.99% (Variable)


Recommended Credit Score


Limited, Bad

Pros

  • Minimum deposit ($49) is lower than with some other secured cards
  • You can be automatically considered for a higher credit line in as little as 6 months with no additional deposit

More Information

  • No annual or hidden fees. See if you’re approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app

Best student card with flat-rate cash back: Capital One Quicksilver Student Cash Rewards Credit Card


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Average, Fair, Limited


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Average, Fair, Limited

Pros

  • Good welcome bonus with an easy spending requirement
  • Solid cash back earning on all purchases with no bonus categories to track
  • No annual fee or foreign transaction fees

Cons

  • Only available to college students

More Information

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • 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
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you

Best student card for dining and entertainment: Capital One SavorOne Student Cash Rewards Credit Card


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Average, Fair, Limited


Regular APR


16.49% – 26.49% (Variable)


Recommended Credit Score


Average, Fair, Limited

Pros

  • Good welcome bonus with an easy spending requirement
  • Strong 3% cash back earning in popular everyday spending categories for students like dining, entertainment, eligible streaming services, and grocery stores (excluding superstores like Walmart® and Target®)
  • No annual fee or foreign transaction fees

Cons

  • Only available to college students

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More Information

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
  • Limited Time Offer: Earn $100 when you spend $100 in the first three months
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • 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
  • You can help build your credit with responsible use of a card like this
  • Be automatically considered for a higher credit line in as little as 6 months
  • 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
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you

Best business card for cash back: Capital One Spark Cash Plus


Recommended Credit Score


Excellent


Recommended Credit Score


Excellent

Pros

  • Potential to earn up to $3,000 in cash back from the welcome bonus
  • No preset spending limit
  • Strong 2% cash back rate on all purchases and no limits to the rewards you can earn

Cons

  • Annual $200 cash bonus has a very high spending requirement
  • Relatively high annual fee
  • Because it’s a charge card, you must pay off your balance in full each month

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More Information

  • The information related to the Spark 2% Cash Plus has been collected by Business Insider and has not been reviewed by the issuer.
  • Earn up to a $1,000 cash bonus; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months of account opening
  • Earn unlimited 2% cash back on every purchase, everywhere – with no limits or category restrictions
  • Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile
  • Earn an annual $200 cash bonus every year you spend $200,000 or more
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Add employee cards for free, and earn unlimited 2% cash back from their purchases
  • $150 annual fee
  • Spark Cash Plus has no APR because your balance is due in full every month

Best business card for travel: Capital One Spark Miles for Business


Annual Fee


$95, waived the first year


Regular APR


22.49% (Variable)


Recommended Credit Score


Excellent


Annual Fee


$95, waived the first year


Regular APR


22.49% (Variable)


Recommended Credit Score


Excellent

More Information

  • The information related to the Capital One Spark Miles for Business has been collected by Business Insider and has not been reviewed by the issuer.
  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • 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
  • 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
  • Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Compare the best Capital One cards

Capital One Venture X Rewards Credit Card (jump to Capital One Venture X card details »)

The Capital One Venture X Rewards Credit Card has been making waves since its launch late last year. Along with a massive welcome bonus which is worth $750 in travel, the card comes packed with upscale benefits that can more than offset the $395 annual fee.

Capital One’s first premium card has an annual fee lower than similar cards and a range of valuable travel perks. It’s become a real competitor to cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express
.

Cardholders receive up to $300 per year in statement credits toward travel booked through Capital One, Priority Pass and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles, you can transfer rewards to over a dozen airline and hotel partners to book award travel.

Read our Capital One Venture X Rewards Credit Card review to learn more.

Capital One Venture Rewards Credit Card (jump to Capital One Venture Rewards card details »)

The Capital One Venture Rewards Credit Card earns rewards you can redeem for any type of travel at a rate of 1 cent per mile. You can also transfer miles to Capital One’s airline and hotel partners, including Accor, Air Canada Aeroplan, Emirates, British Airways, and Wyndham — and the issuer recently added Virgin Red as its newest transfer partner.

The transfer ratio for most partners is now 1:1, with the exception of EVA Infinity MileageLands (2:1.5 ratio) and Accor Live Limitless (2:1 ratio).

As a cardholder, you’ll also receive free travel accident insurance, no foreign transaction fees, and a credit toward the Global Entry or TSA PreCheck membership fee. If you travel frequently, be sure to read our comparison of the Capital One Venture and Venture X — the Capital One Venture X Rewards Credit Card could actually be a better fit despite its higher annual fee.

Read our Capital One Venture Rewards Credit Card review for more info.

Capital One Quicksilver Cash Rewards Credit Card (jump to Capital One Quicksilver card details »)

The Capital One Quicksilver Cash Rewards Credit Card is for you if you want to earn cash back without paying an annual fee.  Its welcome bonus is also relatively generous and easy to earn.

On the redemption side of the equation, you can redeem your rewards for cash back at any time and in any amount. You can also cash in your points for gift cards. The Capital One Quicksilver Cash Rewards Credit Card also comes with a 0% intro APR on purchases and balance transfers for 15 months (then a 16.49% – 26.49% (Variable) APR). 

Read our Capital One Quicksilver Cash Rewards card review to learn more.

Capital One Savor Cash Rewards Credit Card
(jump to Capital One Savor card details »)

The Capital One Savor card is an enticing option thanks to its initial bonus and ongoing rewards, and that’s especially true if you spend a lot on dining, entertainment, and


streaming

each year. Even if you just spend a lot at the grocery store, earning 3% back is excellent as well.

You can redeem your rewards for cash back in any amount, and this card doesn’t charge foreign transaction fees on purchases made outside the US.

Read our Capital One Savor Cash Rewards Credit Card review for more details.

Capital One SavorOne Cash Rewards Credit Card (jump to Capital One SavorOne card details »)

The Capital One SavorOne Cash Rewards Credit Card lets you rack up exceptional rewards on dining, entertainment, streaming, and grocery purchases. This card also comes without an annual fee, which is a net positive if you want to keep your costs down.

If you have a large purchase you want to pay off over time, you’ll be happy to know this card extends a 0% intro APR on purchases and balance transfers for 15 months, followed by a 16.49% – 26.49% (Variable). This card also comes with no foreign transaction fees.

Read our Capital One SavorOne Cash Rewards credit card review to learn more.

Capital One Quicksilver Secured Cash Rewards Credit Card (jump to Capital One Quicksilver Secured card details »)

The Capital One Quicksilver Secured Cash Rewards Credit Card is ideal if you’re working on building your credit but still want to earn rewards. Although there’s no welcome offer, cardholders earn 1.5% cash back on all purchases, with no bonus categories to keep track of.

Because it’s a secured credit card, you’ll have to put down a security deposit equal to the initial credit line you’ll be given. You can get started with a deposit as low as $200, and with responsible use over time, you could have the opportunity to upgrade to an unsecured Quicksilver card and get your deposit back.

Read our Capital One QuickSilver Secured card review for more info. 

Capital One Platinum Secured Credit Card (jump to Capital One Platinum Secured card details »)

If you’re trying to repair your credit score, the Capital One Platinum Secured Credit Card is an ideal option — it’s relatively easy to get approved for since you put down a security deposit when you open your card.

As a new cardholder, you’ll put down a security deposit ($49, $99, or $200), which is refundable and determines your initial credit line. After you make payments on time for six months, you can get access to a higher credit line.

Capital One Quicksilver Student Cash Rewards Credit Card (jump to Capital One Quicksilver Student card details »)

The Capital One Quicksilver Student Cash Rewards Credit Card is geared to students who want to earn rewards while they build up their credit over time. This card gives you a flat 1.5% back on all purchases with no limits, which isn’t the best cash-back rate on a no-annual-fee card. But since this card is available to those with average credit, it’s available to a broader selection of consumers who need help getting started.

The Capital One Quicksilver Student Cash Rewards Credit Card doesn’t charge an annual fee, and there are no foreign transaction fees, either. It also offers solid benefits for a no-annual-fee student credit card, including price protection***, extended warranty***, car rental coverage***, roadside dispatch***, and complimentary concierge services.

Read our Capital One Quicksilver Student Cash Rewards card review

Capital One SavorOne Student Cash Rewards Credit Card (jump to Capital One SavorOne Student card details »)

If you’re in college and spend a lot on dining out, groceries, entertainment, and streaming, the Capital One SavorOne Student Cash Rewards Credit Card is one of the most rewarding card options out there. Along with a limited-time welcome bonus offer of $100 cash bonus once you spend $100 on purchases within 3 months of account opening, the card offers 3% cash back in student-friendly categories, with no limits to what you can earn.

Dining and groceries are straightforward categories, and Capital One has a broad definition of entertainment — including movies, professional sporting events, amusement parks, record stores, and bowling alleys. Eligible streaming services include popular platforms like


Netflix

,


Hulu

, and Disney+.

Like the Capital One Quicksilver Student Cash Rewards Credit Card, the Capital One SavorOne Student Cash Rewards Credit Card comes with surprisingly good perks for a student credit card, such as car rental coverage***, roadside dispatch***, price protection***, extended warranty***, and access to a concierge service. 

Read our Capital One SavorOne Student card review to learn more.

Spark 2% Cash Plus
(jump to Capital One Spark Cash Plus card details »)

The new Spark 2% Cash Plus is a straightforward card that earns you a solid 2% cash-back return on all your other business spending.

Because it’s a charge card, there’s no preset spending limit, and you’ll need to pay your balance off in full each month. Big spenders also get a boost: Every year you spend $200,000 or more on your card, you’ll receive a $200 bonus.

Read our Capital One Spark Cash Plus card review for more details.

Capital One Spark Miles for Business
(jump to Capital One Spark Miles for Business card details »)

The Capital One Spark Miles for Business has a reasonable annual fee, and it makes it easy to earn miles on every purchase without having to keep track of bonus spending categories.

You have lots of options when it comes time to redeem your miles, and the card comes with an application fee credit of up to $100 for Global Entry or TSA PreCheck.

Read our Capital One Spark Miles for Business credit card review to learn more.

Capital One credit card frequently asked questions (FAQ)

What credit score do you need for a Capital One credit card?

Capital One is one of the few issuers that spells out the level of


credit score

you’ll need for each of its cards. For example, the premium Capital One Venture X Rewards Credit Card requires an excellent credit score, defined as follows: You’ve never declared bankruptcy or defaulted on a loan, been more than 60 days late on any credit card, medical bill, or loan in the last year, and have had a loan or credit card for three years or more with a credit limit above $5,000.

Not all Capital One cards require excellent credit. If your credit is fair or average, you could still qualify for cards like the Capital One Quicksilver Student Cash Rewards Credit Card.

Are Capital One credit cards good?

Capital One cards are known for offering good customer service and solid perks, and you’ll never pay foreign transaction fees which can save you money if you’re traveling overseas. 

You’ve also got a wide variety of card options — whether you’re just getting started with credit or are looking for an upscale card that earns generous travel rewards, there’s likely a Capital One card that is a good fit.

Can you have more than one Capital One card?

Yes, you can have more than one Capital One card. However, Capital One doesn’t publish any firm rules about the total number of cards you can have open at once — it depends on your credit profile, income, and other factors. 

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