Best Capital One Credit Cards of 2024

Capital One Credit cards are regarded as one of the best credit cards to gain cashback and travel rewards. The numerous cards provided by Capital One can fulfill the needs and set well with the spending habits of consumers. The best Capital One credit cards of 2024 are specifically targeted towards the small business owners to get the best rewards. The unique aspect of the Capital One credit cards is that they come with no foreign transaction fees so its known as solid traveling companion.

Capital One products are worth the hype and price  as it tackles to the need of diverse range of audience . The  credit cards are made available to  people with credit score ranging from  poor to excellent . In the long list of best Capital One credit cards of 2024 it hard to know which card can fit well with your needs. So, it’s crucial to deep dive into the details to earn the best possible rewards

 Quick Summary – Best Capital One Credit Cards of 2024

•  Capital One QuickSilver Cash Rewards Credit Card – Best no annual fee simple cash back card
• Capital One Venture X Rewards Credit Card – Best premium card for Travel
• Capital One Venture Rewards Credit Card – Best low annual fee card for travel rewards
• Capital One SavorOne Cash Rewards Credit Card – Great bonus cashback rewards for the college students
• Capital One Spark Cash Select for Excellent Credit – Great no annual fee cashback card for small businesses
• Capital One QuickSilverOne Cash Rewards Credit Card – Best pick for flat rate cashback on all purchases
• Capital One Spark Cash Plus – Best cashback card for small businesses
•  Capital One Platinum Credit Card – Great pick for people who have fair credit
•  Capital One® Walmart Rewards® Card – Great card for Walmart
• Capital One Platinum Secured Credit Card – Best flexible deposit card for people with limited credit score

Charting the Best Capital One Credit Cards of 2024

Card Name	Best For	Annual Fee	Greatest Perk
Capital One Quicksilver Cash Rewards Credit Card	Best no annual fee simple cash back card	$0	1.5% cash back on every purchase, every day
Capital One Venture X Rewards Credit Card	Best premium card for Travel	$395	Up to $300 in annual travel credit, airport lounge access, $100 in TSA PreCheck or Global Entry credit
Capital One Venture Rewards Credit Card	Best low annual fee card for travel rewards	$95	Earn 2 miles per dollar on every purchase, every day
Capital One SavorOne Cash Rewards Credit Card	Great bonus cashback rewards for the college students	$0	3% cash back on dining, entertainment, popular streaming services, and grocery stores on your first $200 in purchases each month, then 1%
Capital One Spark Cash Select for Excellent Credit	Great no annual fee cashback card for small businesses	$0	2% cash back on every purchase, every day
Capital One QuicksilverOne Cash Rewards Credit Card	Best pick for flat rate cashback on all the purchases	$39	1.5% cash back on every purchase, every day
Capital One Spark Cash Plus	Best cashback card for small businesses	$150	2% cash back on every purchase, every day, plus up to $100 in statement credits for eligible mobile wallet purchases each quarter
Capital One Platinum Credit Card	Great pick for people who have fair credit	$95	0% intro APR on purchases for 15 months, then the variable APR will be 15.99% – 25.99%
Capital One® Walmart Rewards® Card	Great card for Walmart	$0	5% cash back on Walmart.com and 2% cash back on in-store Walmart purchases
Capital One Platinum Secured Credit Card	Best flexible deposit card for people with limited credit score	–	$0 refundable security deposit

Capital One QuickSilver Cash Rewards Credit Card

Annual Fees – $0

Regular APR – 19.99% – 29.99%

 Credit Score – Good to Excellent

 This card offers great value to the users with the greatest perk of no annual fee. Being a good all-rounder card, it offers 0 APR as well as flat 1.5% cashback on all the purchases you make. Beyond the rewards, being the top pick among the best Capital One credit cards of 2024 it lets you make sizable purchases with no interest for the duration of 15 months.

 In brief, the card is the perfect choice for all moderate spenders who want to earn a welcome bonus with a low spending cap.

Details of No#1 among Best Capital One Credit Cards of 2024

• This card lets you earn cashback bonus of $200 with a minimal spending requirement of $500 in the first 3 months of the account opening.
•  It provides flat rate cashback of 1.5% on all the purchases you make
• Capital One QuickSilver Cash Rewards Credit Card lets you earn complimentary Uber One membership statement credit during the first 6 months
•  If you book hotels and car rentals through Capital One Travel you can earn unlimited 5% cashback
• Being the first-class option among the best Capital One credit cards of 2024, it has no rotating categories to keep tabs on
• Capital One QuickSilver Cash Rewards Credit Card offers 0% APR on purchases and balance transfers for the duration of 15 months and afterward variable APR is applicable.
•  The cashback you earn through the best Capital One credit card won’t expire until you have the bank account

Pros	Cons
No enrollment required for the spending category	High regular APR
No limit on the amount of cashback you can earn
Charges no foreign transaction fee
Generous welcome bonus with minimal spending cap

Capital One Venture X Rewards Credit Card

Annual Fees – $395

Regular APR – 19.99% – 29.99%

 Credit Score – Excellent

The luxury travel card from Capital One is good for all those who travel frequently and want to gain advantage of complete set of card perks. As this card charges high annual fee so it also offers redemption flexibility including transferring of points to hotel and airline partners. This upscale credit card is jam packed with extras for users to completely travel in luxury and style.

 In brief, being the premium option among the best Capital One credit cards of 2024, it can elevate the earnings for all those who spend extravagantly on travel.

Details of No#2 among Best Capital One Credit Cards of 2024

•  With purchases of up to $4,000 in the first 90 days you can gain a welcome bonus of 75,000 bonus miles which is equivalent to $750 in travel
•  With this card you can receive annual credit of $300 for bookings through Capital One Travel . Through Capital one travel you get the best options for the trips
•  On each anniversary you get 10,000 bonus miles that are equivalent to $100 towards the travel
• Capital One Venture X Rewards Credit Card can let you earn 5x miles on flights through Capital One Travel and 10x miles on hotels and rentals booked through Capital one Travel
•  Get unlimited 2x miles on all the purchases
• Being the luxury card in the list of the best Capital One credit cards of 2024 , it provides access to 1300+ lounges that include Partner Lounge Network , Capital One lounges
• Capital
•  This card also provides statement credit of $100 for Global Entry or TSA PreCheck
•  The Venture X card can easily be used for multiple travel expenses like flights , hotels , rental car, and even for transferring miles to 15+ travel loyalty programs
• The premium travel card among the best Capital One credit cards of 2024 provides multiple perks like room upgrades , experience credit for premium hotel stays

Pros	Cons
Annual fees lower than the other premium travel cards	Lack of domestic airline transfer partners
Annual travel credit justifies its annual fee
Miles are comparatively easy to earn and redeem

Capital One Venture Rewards Credit Card

Annual Fees – $95

Regular APR – 19.99% – 29.99%

 Credit Score – Good to Excellent

The rich value reward card with generous signup bonus is best fit for casual travelers. Being the mid-tier travel card the rewards in terms of annual fee are much greater. The travelers who don’t like to carry the balance can get greater value from this card. Moreover , one of the best Capital One credit cards of 2024, it lets you take advantage of the 1.5x miles on every purchase .

In brief, this card lets you take the advantage of the Capital One flexible and versatile reward program in a minimal annual fee.

Details of No#3 among Best Capital One Credit Cards of 2024

• Capital One Venture Rewards Credit Card provides a onetime bonus of 75,000 miles with a spending limit of $4,000 in the first 3 months. Being one of the best Capital One credit cards of 2024, the welcome bonus it terms of travel is $750
• If you book car rentals and hotels through Capital One travel you gain 5x miles and also avail the best discounted deals on the trips
•  This card provides statement credit of $100 For Global Entry and TSA PreCheck
•  On all the other purchases you make through this card you get 1.25x miles on every purchase
• The miles on this card won’t expire until you have the account opened in the bank
•  This moderate annual fee card also lets you enjoy visits to the Capital One Lounges or other 100+ Premium lounges
•  This card lets you transfer the points to 15+ travel loyalty programs
• Capital One Venture Rewards Credit Card can enrich your experience for hotel stays with the option of room upgrades and $50 experience credit

Pros	Cons
Offers strong reward rate in a moderate annual fee	Offers no introductory APR on purchases and balance transfers
Charges no foreign transaction fee
Redemption flexibility for the miles you have gained through this card

Best Credit Cards for Global Entry and TSA PreCheck

 There are only a few credit card options that offer reimbursement for Global Entry and TSA PreCheck. If you travel often make use of the Capital One Venture Rewards Credit Card to get statement credit of $100 for Global Entry.

Capital One SavorOne Cash Rewards Credit Card

Annual Fees – $0

Regular APR – 19.99% – 29.99%

 Credit Score – Good to Excellent

The popular dining card among the best Capital One credit cards of 2024 lets you earn greater cash back on dining, grocery stores, and entertainment purchases. Those who are not interested in paying the annual fee can make use of this card to fetch greater rewards. On specifically Capital One Entertainment purchases you gain 8% cash back.

 In brief, for all the foodies and everyday spenders, this card has a special place in the wallet.

Details of No#4 among Best Capital One Credit Cards of 2024

• With the minimal spending of $500 this card lets you earn $200 cash bonus in the first 3 months of account opening
• Being the viable option for groceries and streaming subscriptions, Capital One SavorOne Cash Rewards Credit Card lets you earn 3% cash back on groceries, entertainment , dining and streaming services
•  This card lets you earn 8% cash back on all the Capital One Entertainment purchases
•  For all the purchases you make through Uber and Uber Eats, this card will provide 10% cash back
•  You can earn 5% cash back on hotels and rentals that are booked through Capital One Travel
• The good aspect of the best Capital One credit cards of 2024 is that it has no rotating categories to activate and the cashback wont expire till the life of the account
•  Get 0% intro APR on purchases and balance transfers for 15 months and afterwards high variable APR is applicable

Pros	Cons
High cash-back rewards on dining and entertainment	Offer limited cash back categories
Charges no foreign transaction fee	High variable APR
Introductory APR on balance transfers and purchases

Best Reward Credit Cards of 2024

There is no other reward card that can provide greater cashback than the Capital One SavorOne Cash Rewards Credit Card. No matter whether it’s your grocery shopping or entertainment purchases this card provides equal cash back for both of the categories.

Capital One Spark Cash Select for Excellent Credit

Annual Fees – $0

Regular APR – 18.49%, 21.49%, 24.49%

 Credit Score – Excellent

 This card is geared towards all the small business owners who prefer simplified card with great reward rates. The no annual fee card in the list of best Capital One credit cards of 2024 lets you get unlimited 1.5 % cashback on all purchases. The generous welcome bonus along with no annual cost makes it fit for entrepreneurs with its notable perks.

 In brief, this card wants you to devise a strategy to spend in certain categories to gain rewards.

Details of No#5 among Best Capital One Credit Cards of 2024

• The spending cap of this card is $6,000 in the first 90 days to get a welcome bonus of $750
•  Get unlimited 1.5% cash back on every purchase and there is no specific category for this one
•  If you book through Capital One travel for hotels and rental cars you can earn 5% cashback on Capital One Spark Cash
•  If you are the owner of a business and owns this card, you can also get employee cards for free for all your staff
•  The rewards on this card won’t expire until you have your account opened
•  It offers cashback redemption flexibility and you can easily redeem your rewards for any amount
•  It provides $0 fraud liability for the unauthorized charges

Pros	Cons
Generous welcome bonus	Excellent credit score is required
Charges no annual and foreign transaction fee	High variable APR
Flat 1.5% cashback on all the purchases

Capital One QuickSilverOne Cash Rewards Credit Card

Annual Fees – $39

Regular APR – 30.74%

 Credit Score – Fair

The people who have average credit are generally left with few credit card options and this one is the best choice for people with less than stellar credit . The flat rate cashback card among the best Capital One credit cards of 2024 provides a good gateway to build the credit score with the passage of time. The benefit of this card is that you can avail the card with higher credit line in a period of 6 months.

In brief , the respectable 1.5% cash back on the purchases makes it fit for fair credit holders to place it in their wallet.

Details of No#6 among Best Capital One Credit Cards of 2024

• The flat rate cash back card in the list of best Capital One credit cards of 2024 lets you earn 1.5 % cashback on all the purchases
• With this card is automatically considered for higher credit line for the duration of 6 months
•  As there is no rotating categories or limit on the card so the cash back wont expire until you have your account opened
•  This card offers you peace of mind with $0 fraud liability so that you wont be responsible for the unauthorized charges
• The low annual fee option card among the best Capital One credit cards of 2024 lets you enjoy complimentary statement credit for Uber One membership for the duration of 6 months
•  Again with this card you can earn unlimited 5% cash back on hotels and car rentals through Capital One Travel
•  If you have opted this card to build your credit score than you can easily monitor your credit score with Credit Wise from the Capital One

Pros	Cons
Fair credit score applicants are considered for this card	High APR
Charges low annual and no foreign transaction fee	No welcome bonus
The cash back rewards won’t expire

Best Second Chance Credit Cards with No Security Deposit

With no hidden fee or other charges the second chance credit cards let you build credit score with no security deposit. All you have to do is to focus on the responsible use of the credit card to get back on track . 

Capital One Spark Cash Plus

Annual Fees – $150

Regular APR –Not Applicable

 Credit Score – Excellent

 This card is good for all those business owners who spend generously on multiple purchases. With no particular bonus category, this one is also regarded as a no-hassle cashback credit card. While it has annual fee but the heavy spenders can easily offset its strong reward rate . the greatest perk is that you have to pay the balance full each month with no incurring interest charges.

 In brief, this charge card among the best Capital One credit cards of 2024 won’t require you to spend strategically on purchases .

Details of No#7 among Best Capital One Credit Cards of 2024

• This credit card is primarily targeted towards the high spenders with a spending limit of $30,000 in first 90 days to earn welcome bonus of $1,200
•  With this card you get unlimited 2% cashback and there is no limit on the category restriction
•  Being a charge card it does not come with presser spending limit and can adapt well with your spending habits , payment history and credit profile
•  Once you send an amount of $150,00 on purchases each calendar year you get $150 reimbursement for your annual fee
•  You can get employee cards for free that are also eligible to get 2% unlimited cash back bonus on all purchases
•  The unlimited 5% cashback on rental cars and hotel booked through Capital One Travel is also provided by this card
•  As the balance is due each month so no additional interest charges are applicable

Pros	Cons
Flat-rate cashback of 2% on all purchases	No introductory APR offer
You can get free employee cards	No bonus categories to boost reward rate
No foreign transaction fee

Capital One Platinum Credit Card

Annual Fees – $0

Regular APR – 30.74%

 Credit Score – Poor -Fair

 If you have fair credit, Capital One Platinum Credit Card provides an easy pathway to step in the world of credit building . Although the APR is high it is important to pay the balance in full to successfully build the credit. As a no-annual fee credit card among the best Capital One credit cards of 2024, it provides an easy approach to the fair credit scorers to avail the card.

 In brief, the Capital One Platinum Credit Card is specifically for building the credit with the responsible use of card through on-time full monthly payments. 

Details of No#8 among Best Capital One Credit Cards of 2024

• Being one of the reasonable options among the best Capital One credit cards of 2024, it charges no annual and hidden fees
• With this card you are automatically considered for higher credit line in a period of 6 months
• As it’s a credit-building card geared towards the average credit scorers so it help you monitor the credit score via CreditWise
• You can have peace of mind with $0 fraud liability so that won’t be responsible for the unauthorized charges
•  This is a contactless card that works well with the convenience of tap

Pros	Cons
No foreign transaction fee charges	High APR
Applicants with average credit gain access to this card	No welcome bonus
Increased credit line in a duration of 6 months	Charges cash advance fee

Capital One® Walmart Rewards® Card

Annual Fees – $0

Regular APR – 18.99% or 29.99%

 Credit Score – Good to Excellent

Capital One® Walmart Rewards® Card is perfect fit for all those who love to shop from Walmart particularly from online store. With no annual fee this card provides exclusive 5% discount on Walmart.com. As the regular APR is high so it is important to pay the balance in full each month.

In brief, the Walmart card among the best Capital One credit cards of 2024 lets you earn bonus exclusively for Walmart purchases.

Details of No#9 among Best Capital One Credit Cards of 2024

• With this card you earn 5% cashback on all the Walmart stores with in the duration in the first 12 months
•  This card that is specifically for Walmart provides 5% cash back on Walmart app, Walmart.com that includes pick up and delivery as well
•  Get 2% cashback on travel, restaurants, Walmart & Murphy USA gas stations
•  This card also provides peace of mind to users with $0 fraud liability for all unauthorized charges
•  Using the Capital One mobile application you can easily set reminders to pay your bill on time.

Pros	Cons
Greater cashback of 5% on Walmart.com	Perks are limited to Walmart
Charges no annual or foreign transaction fee	No introductory APR and then high variable APR

Capital One Platinum Secured Credit Card

Annual Fees – $0

Regular APR – 30.74% ( Variable)

 Credit Score – Poor

 With low security deposit you can easily step in the world of credit cards to build good credit score. This card being the favorable option for all those with poor credit can increase credit line beyond the initial limit. Being a reasonable option among the best Capital One credit cards of 2024 it lets you effectively build the credit score.

Details of No#10 among Best Capital One Credit Cards of 2024

• As a secured card among the best Capital One credit cards of 2024 you have to put a refundable security deposit in the range of $49-$200 to establish an initial credit line
• With the responsible use of the card you will be automatically considered for a high credit limit
•  As the best credit-building option it lets you monitor the credit via Credit Wise
•  This card also provides $0 fraud liability for the unauthorized charges

Pros	Cons
Applicants with bad credit are eligible for this card	No reward program
No annual and foreign transaction fee	High APR
Requires minimal credit deposit

How to compare the best Capital One Credit cards?

 With numerous Capital One card options, there is not one card that fit well with the needs of all . As each person has unique financial situation so you have to look at the rewards, annual fees and other perks in detail to get the most out the credit cards. In this way you can narrow down the option to a single card among the best Capital One credit cards of 2024. The comparison can be done on the following basis

Credit Range

 First of all, before opting for a credit card option, have a look at your credit report. The credit score is the key parameter in determining the eligibility of the card. If you have an average credit score, the options are limited, and look only for those cards that offer credit cards with limited credit history. Also, you can check your credit score for free through Capital One CreditWise. If you fall in good to excellent credit score then you have a plethora of options to get rewards and build the credit score.

 Rewards

 Capital One offers multiple options both for the cashback and travel rewards. So depending upon your spending needs you need to have a clear idea that which type of card you want. The reward redemption flexibility of the best Capital One cards offers the ability to apply them as statement credit and all other expenses. Generally, cashbacks are preferred as they offer the straightforward approach.

Apart for the reward earning potential consider the type of purchases you often make through the card. If your spending does not fit well with the bonus categories it is a good option to prefer flat-rate reward cards.

Annual Fee

Annual fee also holds importance when deciding on a card. As the annual fee is a long-term expense until you have the bank account give it the primary importance. If you are a frequent traveler you can for sure benefit from the premium travel card from Capital Venture with solid reward rate. Otherwise for the casual traveler , it is recommended to go with the mid-tier travel card from Capital One with moderate annual fee of $95.

How to choose a Capital One credit card depending upon you credit score ?

 Capital One offers a plethora of credit card options for people with different credit profiles. The options could vary according the credit score requirement.

• If you have an excellent credit score then you leverage the power of the premium cards that include Capital One Venture X Rewards Credit Card, and Capital One Savor Cash Rewards Credit Card.
• If you have a good credit score then among the best Capital One credit cards of 2024 you can choose the Capital One QuickSilver Cash Rewards Credit Card, Capital One Venture Rewards Credit Card
• If you have fair to limited credit score then you can look at the less stellar options such as Capital One QuickSilverOne Cash Rewards Credit Card and Capital One Platinum Secured Credit Card

 What are the major benefits of Capital One credit cards?

Capital One being the renowned credit card issuer provides valuable offerings to its users in the form of miles transfer in 1:1. Many of its card provides flat-rate cash backs to simplify the reward earning structure for the users. As this way, you don’t have to worry about the bonus category spending to earn rewards.

 While the higher reward travel cards comes with high annual fee , but the rewards offsets its annual cost . But in case you prefer cards with no annual fee with fixed earning rate , then there are reasonable options in the best Capital One credit cards of 2024 as well.

Frequently Asked Questions