Best Capital One credit cards of November 2024

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.

“With an annual fee that is less than other premium cards (see rates and fees), the Capital One Venture X card is my favorite travel credit card. The card comes with an annual $300 Capital One Travel portal credit, which I use to book flights. That effectively brings the annual fee down to $95 per year. Cardholders enjoy a Priority Pass Select membership. Authorized users — you get several at no cost — enjoy their own Priority Pass Select membership and Hertz President's Circle status. I use my Venture X card to earn 2 miles per dollar in spending categories where most cards would only accrue 1 mile (e.g., auto maintenance, pharmacies, medical bills).” — Kyle Olsen, former points and miles reporter

Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

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. 

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 and vacation rentals when any of these four 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 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.

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 Travel℠. Cardholders will also receive a nice sign-up bonus and pay no annual fee.

This is a good option for business owners who prioritize earning cash back rewards over points and miles and who don’t want to deal with the hassle of tracking bonus spend categories.

If you’re looking for a simple business card that earns unlimited cash back and offers some business perks, consider adding the Capital One Spark Cash card to your wallet.

If your small business would be better off with a no annual fee, consider the Ink Business Unlimited® Credit Card. It features a lower cash back reward rate but also comes with a decent welcome bonus.

The Capital One Savor 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).

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.

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. 

Small business owners who travel for work will enjoy a healthy welcome bonus in the form of transferable Capital One miles.

If you travel for work and want to earn transferable miles to get you abroad, the Spark Miles Select for Business* is a great way to do that.

Those seeking a travel rewards business card that earns a flat 2 miles per dollar spent on every purchase, and offers a $300 annual travel credit when booked through Capital One Travel. Plus 10,000 bonus miles every cardmember anniversary — starting on your first anniversary — consider the Capital One Venture X Business.