Best Capital One credit cards of July 2024

Capital One is a well-known financial institution that has made a significant impact in the realm of credit cards. 

With a diverse array of offerings tailored to various needs, credit levels and lifestyles, Capital One’s credit cards emphasize flexibility, accessibility and customer-centric features. Through strategic partnerships, robust rewards programs and digital tools, Capital One has solidified its reputation as a leading provider of credit card solutions that cater to a broad spectrum of consumers.

Capital One offers a variety of credit cards spanning multiple categories. Here are just a few types of credit cards you can find with Capital One.

Capital One rewards programs help cardholders earn cash back, points or miles on every purchase and in several key spending categories, with many cards offering rewards on dining, travel, groceries and more. Capital One rewards also carry solid value and flexibility, with a wide range of redemption options available. 

One of the key advantages of Capital One rewards is how easy they are to redeem. Cardholders have several redemption options, including cash back as a statement credit or check, purchases on Amazon.com and travel (either by booking through Capital One's travel portal or by transferring points to partner airline and hotel loyalty programs). This flexibility allows cardholders to make the most of their rewards based on their preferences and goals.

Capital One cards tend to offer simple, transparent rewards programs that make it easy for cardholders to earn rewards without worrying about rotating categories or spending caps. 

Overall, Capital One rewards programs offer cardholders the opportunity to earn valuable rewards on their everyday spending and easy redemption, making the issuer an appealing choice for rewards-savvy cardholders.

If you’re interested in adding a Capital One card to your card lineup, here are some tips to help you find and use the right card for your needs.

If you’re loyal to Capital One or just ready to branch out with one of Capital One’s best credit cards, here are a few questions to ask yourself when choosing a card.

You can also see if you are pre-approved for certain Capital One cards without harming your credit score. While not all cards offer pre-approval, you can check for pre-approval for many popular Capital One cards. You can also use Bankrate's CardMatch™ tool to see if you match with a Capital One card. If you’re unsure if a Capital One credit card is right for you, check out our Credit Card Spender Type Tool. You can get personalized credit card recommendations based on your credit score, spending habits and daily needs.

What one Bankrate writer loves about his Capital One credit cards

Bankrate writer Ryan Flanigan has several Capital One credit cards to his name, including the Capital One Venture X Rewards card. He notes that while Capital One credit cards aren’t necessarily the strongest on the market, their useful perks and ability to pair together well and help them stay competitive.  

“Capital One has really stepped its game up recently. The Venture X was my first Capital One card — I was attracted to the high bonus and its great features, like gifting lounge access to four authorized users, which instantly made me the most popular person in my family. I later added the Business Venture X and Spark Business Cash cards when they also had elevated offers.

I also like being able to cover recent travel purchases with rewards, which comes in handy for paying for travel experiences that I otherwise can't save money on. Capital One’s cash back cards also pair well with this feature, because I can either cash out everything from my Venture cards or convert my miles into cash.

These cards might not be the best on their own, but when put together, they make a formidable team that can easily rival what you can do with other issuers.”

— Ryan Flanigan, Writer, Credit Cards

Tips for maximizing a Capital One card

Capital One boasts a versatile suite of cards, but no matter the type of card you can maximize your card in several ways and avoid common pitfalls.

Capital One cards are certainly worth it. If you value cash back or high-earning travel cards, then Capital One has a card for you. Its travel credit cards rival those from American Express and Chase while costing less in annual fees. And the SavorOne card offers lucrative cash back at grocery stores (excluding Walmart and Target), restaurants and on takeout. If your spending fits into any of Capital One’s bonus categories in cash back or on travel, then it's certainly worth your time.

Users on popular subreddits such as r/CreditCards and r/personalfinance, generally recommend Capital One for its wide range of options and impressive rewards rates, but some criticize the issuer when it comes to credit limit increases and the allocation of “bucketed” credit cards to certain consumers.

The Capital One Venture X and the Capital One SavorOne are popular choices among Reddit users. The Venture X card in particular is often recommended for its generous rewards program and flexible redemption options, with users noting the ability to earn miles on every purchase as especially appealing for frequent travelers. The SavorOne card is also touted for its elevated cash back rates and low cost. 

“I recently upgraded to the Venture X and it’s worth it for the lounge access alone. I live near one of their three active lounge locations and it’s easily in the top 5 lounges I’ve been in post COVID. Add in the travel credit and 2X miles on everything plus all the other perks and I wish I’d upgraded sooner.”

— Reddit User

“I have had [the Capital One SavorOne card] for almost a year, and I can tell it’s one of my favorite cards ever. For a no [annual] fee card, the multipliers and Uber benefits are really good, and having no foreign transaction fee makes it my groceries and dining card when I travel abroad, and since it’s Mastercard it’s basically accepted anywhere.”  See Rates & Fees

— Reddit User

Redditors also frequently mention Capital One’s user-friendly mobile app, which makes it easy to manage your accounts, track spending, and redeem rewards. The ability to lock or freeze a card if it is lost or stolen is also a feature that users find valuable for security purposes.

However, some Reddit users have expressed frustration with Capital One's credit limit increase process. They report that the credit limits granted by Capital One can be relatively low and that it can be challenging to obtain a substantial limit increase over time, even for individuals with an established credit history. This limitation can keep cardholders from maximizing their purchasing power or make it harder to keep their credit utilization in check.

Another common criticism revolves around Capital One's practice of bucketing credit cards for certain consumers. Bucketing refers to the practice of placing consumers into different credit profiles based on their creditworthiness, which may limit their access to certain card benefits, rewards or promotional offers. Some Redditors have voiced their dissatisfaction with not being able to upgrade their card or access better perks despite having a good credit history.

The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Be sure to check the issuer's website/terms and conditions for all up to date content. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

When evaluating the best credit cards from Capital One, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest. 

We analyzed over 250 of the most popular credit cards and selected standouts. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup. 

Here are some of the key factors that we considered:  

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

*Automatically extends the original manufacturer's warranty on eligible purchases made with this card. 

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.