The best Capital One credit cards

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?

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 Card Sign-Up Bonus Annual Fee Earning Rate
Capital One® Spark® Cash for Business $500 cash bonus after you spend $4,500 on purchases within the first three months of account opening. $95, waived the first year Unlimited 2% cash back on purchases
Capital One® Spark® Miles for Business 50,000 miles after you spend $4,500 on purchases within the first 3 months from account opening $95, waived the first year 2 miles per $1 on every purchase
Capital One® Venture® Rewards Credit Card 50,000 miles after you spend $3,000 on purchases within 3 months of account opening $95, waived the first year 2 miles per $1 on every purchase
Capital One® VentureOne® Rewards Credit Card 20,000 miles after spending $1,000 on purchases within 3 months of account opening No annual fee 1.25 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 year Unlimited 4% cash back on dining and entertainment
Capital One® Spark® Miles Select for Business 20,000 miles after spending $3,000 on purchases within 3 months of account opening No annual fee 1.5 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)

The best Capital One credit cards

Capital One® Spark® Cash for Business

Best business cash back credit card

Bonus

Earn a $500 cash bonus after spending $4,500 on purchases within the first three months from account opening. 

Benefits

This card earns 2% cash back on all purchases. You can redeem your rewards as a check or statement credit any time with no minimum redemption amount. 

The card also comes with purchase security and extended-warranty protection, auto rental collision damage waiver and lost luggage reimbursement. There are no foreign transaction fees. Cards for employees are free.

Annual Fee

$95, waived the first year.

Insider Secret

If you love earning cash back, you can’t go wrong with this card offer. Read our Capital One Spark Cash card review to learn more about the card.

Apply here: Capital One® Spark® Cash for Business

Capital One Spark Miles for Business

Best business credit card for earning transferable miles

Bonus

Earn 50,000 miles after you spend $4,500 on purchases within the first three months from account opening.

Benefits

The Spark Miles business card earn 2x miles on every purchases, which is great for businesses with expenses that don’t fall into other small-business credit card’s bonus categories. There is no limit to the number of miles you can earn. You’ll also earn 5x Spark miles on hotel and rental car bookings made with your card through Capital One travel.

Spark miles transfer to 15 airlines partners. The transfer ratio for most of the partners is 2:1.5, so the 50,000 Spark miles you can earn with this offer would convert to as many as 225,000 airline miles. Those miles can be incredibly valuable when they’re used to book awards with programs like Flying Blue (Air France and KLM), Air Canada, Etihad Airways or Avianca Airlines.

For example, Air Canada charges 60,000 miles round-trip from North American to Europe 1 (which includes most of Western Europe) and you could add one stopover or open-jaw to this award. So it’s easy to visit multiple cities or countries using Air Canada Aeroplan miles. If you need help transferring your miles, read our step-by-step guide on how to transfer Capital One miles.

This card also comes with a TSA PreCheck or Global Entry fee credit (worth up to $100).

Annual Fee

$95, waived the first year.

Insider Secret

Spark Miles don’t transfer at a 1:1 but because of the huge bonus offer and the 2x miles you earn on every purchase, this is still an exceptional card. Because you can redeem Spark miles for one cent each toward travel or transfer them to airlines you’ll have the flexibility to use your rewards in whichever way you prefer. If you want to learn more about the card, check out our Capital One Spark Miles card review.

Apply here: Capital One Spark Miles for Business

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 other 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. Terms Apply.

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.

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