Best Capital One credit cards of February 2025

Who’s this for? The Capital One Venture X Rewards Credit Card is an excellent choice for someone who travels often and can take advantage of this card’s wide range of perks, including airport lounge access and a long list of travel and shopping protections.

Standout benefits: The card is loaded with benefits, including a $300 Capital One Travel credit to use toward Capital One Travel bookings and a 10,000-mile bonus on each account anniversary. These benefits can easily make the card worth keeping, even though it has a $395 annual fee.

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Best Capital One card with luxury perks

Rewards:

• 10X miles per dollar on hotels and rental cars booked via Capital One Travel portal
• 5X miles per dollar on flights booked through the Capital One Travel portal
• 2X miles on all other eligible purchases

Welcome bonus: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.

Annual fee: $395

Notable perks:

In addition to the annual travel credit and bonus miles, the Capital One Venture X card offers unlimited access to Priority Pass and Capital One Lounges. You can also receive a statement credit of up to $120 for either Global Entry or TSA PreCheck®. Its shopping and travel insurance perks include:

• Rental car collision damage waiver
• Travel accident insurance
• Trip cancellation/interruption reimbursement
• Roadside dispatch
• Lost luggage reimbursement
• Trip delay reimbursement
• Extended warranty protection
• Purchase security
• Return protection

Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details.

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Best Capital One card for travel

Rewards:

• 5X miles on hotels and rental cars booked through Capital One travel
• 2X miles on all other purchases

Welcome bonus: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening.

Annual fee: $95

Notable perks:

The Capital One Venture Rewards Credit Card offers a Global Entry or TSA PreCheck application fee credit every four years worth up to $120. It also has no foreign transaction fees and provides extended warranty protection*, travel accident insurance* and rental car collision damage coverage*.

*Benefits available to accounts approved for the World Elite Mastercard product, subject to terms, conditions, and exclusions in the World Elite Mastercard Guide to Benefits. See Account Terms or Application Terms for more details. Terms, conditions and exclusions apply.

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Best Capital One card for cash back

Rewards:

• 8% cash back on Capital One Entertainment purchases
• 5% cash back on hotels and rental cars booked through Capital One Travel
• 3% cash back on dining
• 3% cash back on entertainment
• 2% cash back on eligible streaming services
• 3% cash back at grocery stores
• 1% cash back on all other purchases

Welcome bonus: Earn a one-time $200 bonus once you spend $500 on purchases within the first three months from account opening.

Annual fee: $0

Notable perks:

The Capital One Savor Cash Rewards Credit Card has no foreign transaction fees and provides access to premium reservations with Capital One Dining and exclusive events and experiences through the Capital One Entertainment portal.

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Best Capital One card for businesses

Rewards:

• 5% cash back on hotels and rental cars booked through Capital One Travel
• 2% cash back on every purchase

Welcome bonus: Earn a $2,000 cash bonus after spending $30,000 in the first three months. Earn an additional $2,000 cash bonus for every $500,000 you spend in the first year.

Annual fee: $150

Notable perks:

The Capital One Spark Cash Plus* has a $150 annual fee, but you can earn an annual fee refund every year when you spend at least $150,000 on your card.

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At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card story is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Capital One credit cards.

To determine which Capital One cards offer the best value, CNBC Select analyzed Capital One credit cards available in the U.S. We compared each card on a range of features, including rewards, annual fees, welcome bonuses, introductory and standard APR and balance transfer fees and foreign transaction fees. We also considered additional perks (e.g., ongoing travel or merchant statement credits), cardholder protections (e.g., purchase protection, $0 liability protection and travel insurance), the application process when available (e.g., is there a credit pull or required credit score) and how easy it is to redeem points (e.g., are rewards are tied to a specific brand; if transferable, to how many/which partners, can you redeem for straight cash back). 
 
We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools.  

For the cards that offered a rewards program, we considered consumer spending data forecasts from location intelligence firm Esri to determine where U.S. consumers are spending the most money, like on dining and travel. We used this to help determine what bonus categories are most useful for consumers. Since the value of a point or mile varies based on what they can be redeemed for, we also considered things like transferability and the ability to redeem for cash-back. 

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*For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

* Information about the Capital One Spark Cash Plus has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.