Capital One offers several of the best credit cards available today.
After a multi-year overhaul of its loyalty program, Capital One now offers 18 different airline and hotel transfer partners, dedicated Capital One airport lounges, and generous rewards on common expenses like dining out and entertainment tickets.
Capital One's travel credit cards also allow cardholders to pool rewards with friends and family, making it easier to take a trip together that much sooner. Best of all, Capital One miles are incredibly easy to use by "erasing" eligible purchases from your statement balance.
There's a Capital One credit card to suit any lifestyle or spending habit, including great options for beginners and people rebuilding credit. Many of our picks don't even have annual fees, which makes it easy to keep them in your wallet for the long haul.
These are the best Capital One credit cards you can get in 2025, as chosen by Business Insider's personal finance experts.
Best Capital One Credit Cards of 2025
- Best for foodies: Capital One Savor Cash Rewards Credit Card
- Best for flat-rate cash back: Capital One Quicksilver Cash Rewards Credit Card
- Best for everyday travel: Capital One Venture Rewards Credit Card
- Best for luxury travel: Capital One Venture X Rewards Credit Card
- Best for students: Capital One Savor Student Cash Rewards Credit Card
- Best secured card that earns cash back: Capital One Quicksilver Secured Cash Rewards Credit Card
- Best secured card with low security deposit: Capital One Platinum Secured Credit Card
Best Credit Card for Foodies: Capital One Savor Cash Rewards Credit Card
The Savor Cash Rewards Credit Card earns big rewards on dining, entertainment, streaming, and grocery purchases. Better yet, this card doesn't come with an annual fee, so you can rack up rewards without paying to earn them.
If you have a large purchase you want to pay off over time, new cardholders can take advantage of a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), followed by a 19.24% - 29.24% Variable APR.
This card also doesn't charge foreign transaction fees, which makes it an underrated option for international travel.
Read our Capital One Savor Cash card review.
Best Credit Card for Flat-Rate Cash Back: Capital One Quicksilver Cash Rewards Credit Card
The Quicksilver Cash Rewards Card is a great choice if you want to earn cash back on everything without paying an annual fee.
There's an easy welcome offer for new cardholders: Earn a one-time $200 cash bonus once you spend $500 on purchases within three months of account opening. You can redeem your rewards for cash back at any time and in any amount, or you can cash in your points for gift cards.
The Quicksilver Cash Rewards Card also comes with a 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time), then a 19.24% - 29.24% Variable APR.
Read our Capital One Quicksilver Cash Rewards credit card review.
Best Credit Card for Everyday Travel: Capital One Venture Rewards Credit Card
The $95-annual-fee Capital One Venture Rewards Card earns 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel and unlimited 2 miles per dollar on every other purchase.
Capital One miles are one of several credit card transferable points currencies — the others are Amex Membership Rewards, Chase Ultimate Rewards®, Bilt Points, and Citi ThankYou Rewards.
Capital One miles can be redeemed for travel expenses at a rate of 1 cent per mile through the Capital One Travel portal, or transferred to 18 Capital One transfer partners including Accor, Air Canada Aeroplan, Emirates, British Airways, Virgin Red, and Wyndham.
This card has no foreign transaction fees, and offers a credit toward the Global Entry or TSA PreCheck® membership fee.
If you travel frequently, read our comparison of the Capital One Venture and Venture X credit cards. The Capital One Venture X could actually be a better fit for frequent travelers, even though it has a higher annual fee of $395.
Read our Capital One Venture Card review.
Best Credit Card for Luxury Travel: Capital One Venture X Rewards Credit Card
The Capital One Venture X has been making waves since its launch in late 2021. It's full of amazing benefits worth significantly more than its $395 annual fee if you travel on a regular basis, making it a serious competitor to premium cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express.
New cardholders start out with a generous welcome bonus worth $1,275 in travel based on Business Insider's valuations: 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
Cardholders also get up to $300 in annual credits toward flights, hotels, and other travel booked through Capital One; airport lounge access to the Priority Pass network and Capital One lounges, even for authorized users; a 10,000-mile bonus on each account anniversary; and Visa Infinite travel and purchase benefits.
As with other cards that earn Capital One miles, Venture X rewards can be transferred to airline and hotel partners or used to book travel through Capital One, including the exclusive Capital One Premier Collection, where cardholders get benefits like room upgrades and on-property credits at hundreds of hotels and resorts around the world.
If you're trying to decide between the Capital One Venture X Rewards Credit Card and other premium cards, check out our comparisons of the Capital One Venture X vs. Chase Sapphire Reserve, and the Capital One Venture X vs. the Amex Platinum.
Read our Capital One Venture X Rewards Credit Card review.
Best Credit Card for Students: Capital One Savor Student Cash Rewards Credit Card
The Savor Student Cash Rewards Credit Card is one of the most rewarding cards available to college students, especially those who spend a lot on dining out, groceries, entertainment, and streaming each month.
The card offers new cardholders a $50 cash bonus once you spend $100 on purchases within three months of account opening. It also earns 8% cash back on entertainment purchased through the Capital One Entertainment portal, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases. These rates are generous by any standard but are particularly favorable for people new to credit, who usually aren't eligible for the best rewards credit cards.
Like the Capital One Quicksilver Student Cash Rewards Credit Card, the Capital One Savor Student Cash Rewards Credit Card comes with surprisingly good perks for a student credit card such as car rental coverage, roadside dispatch, price protection, extended warranty, and access to a concierge service.
Read our Capital One Savor Cash Rewards Student credit card review.
Best Secured Credit Card for Earning Cash Back: Capital One Quicksilver Secured Cash Rewards Credit Card
Whether you're starting from scratch or rebuilding your credit, getting a secured credit card is a great stepping stone to building better credit.
The Capital One Quicksilver Secured Cash Rewards Credit Card is ideal if you want to earn rewards while building credit. Although there's no welcome offer, cardholders earn 1.5% cash back on all purchases — a generous return by any standard.
Since this is a secured credit card, you'll have to put down a security deposit equal to the initial credit line you'll be given. You can get started with a deposit as low as $200, and with responsible use over time, you could have the opportunity to upgrade to an unsecured Quicksilver card and get your deposit back.
Read our Capital One Quicksilver Secured card review.
Best Secured Credit Card for Low Security Deposit: Capital One Platinum Secured Credit Card
If you're trying to improve your credit score after some financial mishaps, the Platinum Secured Credit Card is a good option for you. It's relatively easy to get approved for this card, since you put down a security deposit when you open your card.
As a new cardholder, you'll put down a refundable security deposit of $49, $99, or $200, which determines your initial credit line — how much you can spend on the card. You can get upgraded to a higher credit line after six months of consistent, timely payments in full.
Read our Capital One Platinum Secured credit card review.
How to Get Approved for the Best Capital One Card
Before you get a credit card, it helps to know if you qualify for the card you want. Credit card preapproval is an efficient way to explore your options with minimal risk to your credit score.
Capital One offers nearly half of the cards recommended in our guide to the best preapproved credit cards. The issuer's preapproval tool generates preapproved credit card offers tailored to your credit profile based on basic personal information such as your monthly income and spending habits.
The tool also evaluates your spending habits and card preferences into account. For example, you can specify if you'd like a card with no annual fee, need a travel rewards credit card, or want to focus on a card that helps you build credit.
If you'd like to learn more, read our guide to preapproved credit cards.
Check for Card Offers
Check for card offers from participating partners with CardMatch. There's no impact to your credit score unless you choose to apply for a card you are matched with.
Capital One Credit Card Frequently Asked Questions
What is the best Capital One credit card for travel?
The Capital One Venture Rewards Credit Card is our top-choice travel rewards credit card from Capital One thanks to a reasonable annual fee, statement credit for Global Entry or TSA PreCheck®, and bonus rewards on travel expenses.
Which Capital One credit card offers the best cash-back rewards?
The Capital One Savor Cash Rewards Credit Card offers a generous 3% cash back on dining, entertainment, streaming services, and groceries in addition to 1% back on all else.
Are there any Capital One credit cards with no annual fee?
Yes, several of Capital One's best credit cards do not charge annual fees including the Capital One Savor Cash Rewards Credit Card.
What is the highest level Capital One credit card?
The Capital One Venture X Rewards Credit Card is one of the issuer's newest — and fanciest. This card comes with Priority Pass airport lounge membership for up to five people and is the most affordable premium credit card on the market that comes with this benefit.
Are Capital One credit cards right for beginners?
If you're a beginner, Capital One credit cards are a great option. You can choose from a strong selection of fair credit, bad credit (such as secured credit cards), and student credit cards for folks just starting out, building credit, or rebuilding credit. There's a great range of rewards rates, bonuses, intro APR rates, and perks to choose from.
Why You Should Trust Us: How We Chose the Best Capital One Credit Cards
Our experts evaluated all of the Capital One credit cards currently available to new applicants and considered several factors:
- Ease of use — Does the card have a rewards program (cash back or miles) and if so, is it easy to navigate?
- Earning potential — Are there bonus categories or strong flat-rate earning with the card, and are they appealing to a broad range of customers?
- Annual fee — Many Capital One credit cards have no annual fee, but for those that do charge one, are there additional perks or features that make it worth it?
- Cards for various types of consumers — We picked cards that appeal to different types of consumers, including travel aficionados, foodies, students, folks building credit, and small-business owners.
For more information, check out Business Insider's guide to how we rate and review credit cards.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
