Best Capital One credit cards of June 2024 - The Points Guy (2024)

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn 2 miles per dollar on every purchase with no bonus categories to memorize.

Whether you’re a frequent traveler or someone who takes just a few trips a year, this card is ideal for anyone who wants to easily earn miles on every purchase, which can then be redeemed for travel rewards.

“The Capital One Venture is a great card that can add value to pretty much anyone's wallet. I use it to earn 2 miles per dollar on the purchases that fall outside of my other cards' bonus categories. The annual fee is low, Capital One miles are easy to redeem, and the card does come with a few nice perks — including TSA PreCheck/Global Entry application fee reimbursem*nt.” — Madison Blancaflor, senior content operations editor

The Chase Sapphire Preferred® Card card lets you earn bonus points in multiple categories, including 2 points per dollar on travel purchases and 3 points on dining. Plus, the Chase Sapphire Preferred also has the same $95 annual fee as the Capital One Venture Rewards Credit Card (see rates and fees).

As one of the best premium travel rewards cards on the market, the Capital One Venture X Credit Card offers valuable benefits such as lounge access, a $300 annual credit for bookings through Capital One Travel, and 2 miles per dollar spent on all purchases.

This rewards card offers lucrative travel benefits and high earning rates of 10 Capital One miles on hotels and rental cars booked through Capital One Travel and 5 miles on flights booked through the portal. Since this card rewards travelers, frequent jet-setters will benefit the most from using this credit card.

Though the Chase Sapphire Reserve® has a higher annual fee, this credit card offers cardholders a chance to earn bonus points on travel and dining purchases. Plus, Chase Ultimate Rewards points are worth a bit more than Capital One miles, according to TPG’s valuations.

If paying an annual fee and keeping track of bonus category spending negate your will to learn more about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee (see rates and fees) and a simple rate of 1.25 miles per dollar on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 15-plus travel partners.

Since this card offers an earning rate of 1.25 miles on every dollar, this is a solid credit card option for beginners who want to ease into the world of travel rewards. You can earn bonus miles with each purchase and don’t have to worry about paying a high annual fee.

“I wanted a credit card that earns Capital One miles without an annual fee, and this is a winner. It doesn’t have the bells and whistles of some other cards, but I’m happy earning 1.25 miles per dollar on all purchases without paying a fee to keep this card year after year. I’ll never cancel this card.” — Ryan Smith, former credit cards writer

If you value cash back over reward points, the Chase Freedom Flex℠ card offers 5% cash back on select bonus categories and travel purchased through Chase Ultimate Rewards. Cardholders will also receive a nice sign-up bonus and pay no annual fee.

The Capital One Quicksilver Cash Rewards Credit Card has no annual fee (see rates and fees) and no limit on how much cash back you can earn. This is a good card for those wanting to immediately benefit from cash-back rewards, which will never expire.

The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash-back card for everyday purchases. With no bonus categories, it’s a great beginner-friendly credit card.

Cardholders will earn unlimited 1.5% cash back on every purchase. With no annual fee and a ​​one-time $200 cash bonus — after you spend $500 on purchases within three months from account opening — this card can be beneficial for those looking for a rewards credit card and who value earning cash back over Capital One miles.

The Citi Double Cash® Card (see rates and fees) offers more cash-back rewards with an earning rate of 2% on every purchase (1% when you make a purchase and another 1% when you pay it off). This card also has no annual fee, which makes it a great alternative to the Capital One Quicksilver Cash Rewards Credit Card.

The Capital One SavorOne Cash Rewards Credit Card offers bonus cash-back rewards on everyday purchases, such as dining, entertainment and groceries. With no annual fee, it’s a great beginner cash-back card (see rates and fees).

The Capital One SavorOne is a good option for beginners because it offers a solid rewards structure with no annual fee.

If you love going out to eat or find yourself buying weekly groceries, this rewards card will allow you to earn unlimited 3% cash back on those purchases. With a $0 annual fee, this is a great everyday card for everyone to have in their wallets.

The Blue Cash Everyday® Card from American Express is a great option for people who want to earn cash-back rewards on popular categories, including U.S. supermarkets and U.S. gas stations. Plus, this cash-back card has no annual fee (see rates and fees).

Capital One's Venture X Business credit card offers a ton of earning potential for a modest annual fee when it comes to premium cards. Airport lounge access, an annual travel credit, 10,000 bonus miles each cardmember anniversary and the ability to add authorized users at no added cost to the main cardholder are just a few reasons we love the Venture X Business.

The Venture X Business card is great for businesses that have higher operating costs. Additionally, this card is also solid for business owners and employees who travel frequently thanks to an earning structure that features 10 miles per dollar on hotels and rental cars and 5 miles per dollar on flights when any of these three are booked via Capital One Travel.

The Venture X Business card features 15-plus hotel and airline partners, meaning cardholders have several options when it comes to choosing who they want to travel with. Plus, with the Venture X Business, you can opt to redeem earned miles for statement credits, gift cards or cash back (but you will typically find that transferring miles offers the most value).

If you're in the market for a premium travel credit card but do not want a business card, consider the Capital One Venture X personal card, as it features many of the same benefits as the Venture X Business but requires a lower spend to earn the welcome bonus.

The Capital One Spark Cash Plus is a business cash-back card that offers 2% on all purchases with no foreign transaction fees (see rates and fees). Additionally, you can add employee cards for free and earn 2% cash back from their purchases as well.

If your business spends more than $7,500 annually and you don’t want to keep up with multiple bonus categories, this is the perfect card for you.

If you are a business owner, this card will earn you unlimited 2% cash back on every purchase — with no limits or category restrictions.

With the Ink Business Unlimited® Credit Card, you can earn unlimited 1.5% cash back on every purchase made for your business. Similarly to the Spark Cash Plus card, you can earn rewards through employee cards at no additional cost. Plus, this card gives you the ability to set individual spending limits on each card.

The Capital One Spark Miles for Business offers a simple way to earn rewards on every business purchase, no matter the category. Those miles can then be easily redeemed for travel purchases or by transferring to partners.

Since you’ll earn 2 miles per dollar on every purchase, this is a great business card to earn rewards without having to juggle multiple bonus categories. Plus, employee cards are free, and they’ll also earn 2 miles on all spending.

With a high earning rate of 2 miles per dollar on every purchase, plus the ability to earn rewards on employee cards — which are free — this card makes it easy to stack up miles on every purchase made.

The Blue Business® Plus Credit Card from American Express will allow you to earn 2 points on everyday purchases, but only on up to $50,000 per calendar year, then 1 point per dollar after. Since you earn bonus points on all purchases (up to the yearly spending cap), it is a great business card option.

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Welcome bonusAt TPG, we’re big on earning welcome bonuses — especially when they’re elevated. We included cards with welcome bonuses that feature varying minimum spend thresholds to fit different budgets.

Annual feeOur top picks feature annual fees that start at $0 and go up from there to provide a wide range of benefits for cardholders at every price point.

Earning ratesThe best Capital One cards feature popular bonus categories to help cardholders maximize their rewards.

Redemption optionsOur picks provide you with different ways to redeem rewards — whether it’s cash back, points or miles.

Added benefitsExtra benefits played a role in which cards we chose as well. We considered bonus categories, elevated earning rates, travel protections and more.