Capital One credit cards

Hear from our editors: The best Capital One credit cards of July 2025

Updated June 30, 2025

This date may not reflect recent changes in individual terms.

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Written by: Tim Devaney

We’ve rounded up the best credit cards that Capital One has to offer and uncovered what makes each one wallet-worthy.

One big plus of all Capital One cards is that there are no foreign transaction fees, making them all decent choices for using abroad. But from there, Capital One cards come with a wide variety of rewards programs, features and perks. Here are our picks for the best Capital One credit cards of 2024.

• Best for cash back with no annual fee: Capital One Savor Cash Rewards Credit Card
• Best for simple cash back: Capital One Quicksilver Cash Rewards Credit Card
• Best for travel: Capital One Venture Rewards Credit Card
• Best for luxury travel: Capital One Venture X Rewards Credit Card
• Best for building credit: Capital One Platinum Secured Credit Card
• Best for average credit: Capital One QuicksilverOne Cash Rewards Credit Card
• Best for business with no annual fee: Capital One Spark 1.5% Cash Select for Good Credit
• Best for business rewards: Capital One Spark 2% Cash Plus
• Best for students: Capital One Savor Student Cash Rewards Credit Card

Best for cash back with no annual fee: Capital One Savor Cash Rewards Credit Card

Here’s why: If you don’t want the hassle of an annual fee, the Capital One Savor Cash Rewards Credit Card offers cash back in popular bonus categories.

Check out more about the Capital One Savor Cash Rewards Credit Card.

Best for simple cash back: Capital One Quicksilver Cash Rewards Credit Card

Here’s why: The Capital One Quicksilver Cash Rewards Credit Card makes earning cash back effortless with a simple, flat rate on all purchases and no annual fee.

Read more about the Capital One Quicksilver Cash Rewards Credit Card.

Best for travel: Capital One Venture Rewards Credit Card

Here’s why: The Capital One Venture Rewards Credit Card offers a straightforward rewards program with useful bonus categories and travel perks that could outweigh the moderately affordable annual fee for occasional travelers.

Find out more about the Capital One Venture Rewards Credit Card.

Best for luxury travel: Capital One Venture X Rewards Credit Card

Here’s why: The Capital One Venture X Rewards Credit Card pays for itself with travel credits, airport lounge access and exceptional travel rewards. Frequent flyers who make use of these benefits and rewards may find the annual fee relatively affordable compared to other premium rewards cards.

Learn more about the Capital One Venture X Rewards Credit Card.

Best for building credit: Capital One Platinum Secured Credit Card

Here’s why: The Capital One Platinum Secured Credit Card gives you the opportunity to build credit in exchange for a fully refundable security deposit. With on-time payments you may eventually be able to upgrade to an unsecured card.

Read more about the Capital One Platinum Secured Credit Card.

Best for average credit: Capital One QuicksilverOne Cash Rewards Credit Card

Here’s why: The Capital One QuicksilverOne Cash Rewards Credit Card is an alternative for people with less than perfect credit. While it does charge a small annual fee, you might be able to offset it with the simple, flat cash back rate.

Read more about the Capital One QuicksilverOne Cash Rewards Credit Card.

Best for business with no annual fee: Capital One Spark 1.5% Cash Select for Good Credit

Here’s why: The Capital One Spark 1.5% Cash Select for Good Credit makes it easy for small-business owners to earn cash back with a simple, straightforward rewards rate and no annual fee.

Check out more about the Capital One Spark 1.5% Cash Select for Good Credit.

Best for business rewards: Capital One Spark 2% Cash Plus

Here’s why: The Capital One Spark 2% Cash Plus can make sense for small businesses — but only if they spend a lot. Even with an elevated cash back rate on all purchases, it could be difficult to offset the relatively expensive annual fee.

Find out more about the Capital One Spark 2% Cash Plus.

Best for students: Capital One Savor Student Cash Rewards Credit Card

Here’s why: The Capital One Savor Student Cash Rewards Credit Card is a great way for college students to build credit while earning cash back in bonus categories like dining, entertainment and streaming. The best part? There’s no annual fee.

See more details about the Capital One Savor Student Cash Rewards Credit Card.

How we picked these cards

To find the best Capital One credit cards, we looked at the different types of cards they offer.

This included …

• Cash back cards
• Travel rewards cards
• Premium rewards cards
• No-annual-fee cards
• Credit-building cards
• Business cards
• Student cards

With such a wide range of cards we figured at least one of these categories might appeal to you.

How to make the most of these cards

Capital One covers a lot of ground with its credit cards, which cater to a wide range of customers. But above all, Capital One credit cards travel well. You won’t find a foreign transaction fee in the bunch. This is something that Capital One is known for, and it means that if you use one while you’re abroad, you can avoid that extra ding when you make a purchase.

But each card has other benefits that might make it the best choice for you. If you know your spending habits and where you stand on fees, you’re likely to find a Capital One card that suits your needs.

FAQs about Capital One credit cards