Capital One has been on an upward trend by constantly improving its portfolio of transfer partners and transfer ratios for certain loyalty programs. In the past, we’ve even seen Capital One launch several limited-time transfer bonuses. Now is a great time to take a closer look at Capital One’s best cards that are part of the Spark and Venture families that earn transferable points. Here are the best Capital One credit cards from our partners.
- Capital One Venture Rewards Credit Card — Best for travel rewards
- Capital One SavorOne Cash Rewards Credit Card — Best for entertainment
- Capital One Spark Miles for Business — Best for business travel
- Capital One Quicksilver Cash Rewards Credit Card — Best for flat-rate cash back
- Capital One VentureOne Rewards Credit Card — Best for travel rewards with no annual fee
- Capital One Spark Cash Plus — Best for unlimited business cash back
- 2X Earn unlimited 2X miles on every purchase, every day.
Why we chose it
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 earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.
- 8% Earn 8% cash back on tickets at Vivid Seats through January 2023.
- 3% Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
- 1% Earn 1% on all other purchases.
Why we chose it
The Capital One SavorOne is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three.
- 2X Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.
Why we chose it
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.
- 1.5% Earn unlimited 1.5% cash back on every purchase, every day
Why we chose it
The Capital One Quicksilver Cash Rewards Credit Card is a decent option for those in need of a straightforward cash back card. However, there are other options that offer more flexibility to redeem your rewards.
- 1.25X Earn unlimited 1.25X miles on every purchase, every day.
Why we chose it
If you feel like paying an annual fee negates your will to learn about travel rewards, the Capital One VentureOne is the perfect place to begin. With no annual fee and a simple 1.25x rate on all purchases, you’ll earn miles that can be used for travel purchases or transferred to Capital One’s 16 airline or three hotel partners.
- 2% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions
Why we chose it
The Capital One Spark Cash Plus is a business cash-back card that offers 2% on all purchases. If your business spends more than $7,500 annually and doesn’t want to keep up with multiple bonus categories, this is the perfect card for you.
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|Card||Best for||Welcome Offer/Sign Up Bonus||Earning Rate||Annual Fee|
|Capital One Venture Rewards Credit Card||Best for travel rewards||60,000 miles||
|Capital One VentureOne Rewards Credit Card||Best for travel rewards with no annual fee||20,000 miles||
|Capital One Spark Miles for Business||Best for business travel||50,000 miles||
||$0 intro for first year; $95 after that|
|Capital One Quicksilver Cash Rewards Credit Card||Best for flat-rate cash back||$200||
|Capital One SavorOne Cash Rewards Credit Card||Best no-annual-fee card for dining, entertainment, streaming services and grocery store spending||$200||
|Capital One Spark Cash Plus||Best for unlimited business cash back||Up to $1,000 cash bonus||
Annual fee: $95
Sign-up bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening.
Rewards: 2 miles per dollar spent on all purchases.
Benefits: The Capital One Venture Rewards Card first earned its place by offering a consistent 2x on all purchases and a simple fixed-value redemption structure. Its 15+ transfer partners and additional bonus categories put it in a league of its own. Miles transfer at three ratios: 1:1, 2:1.5 and 2:1 ratio, effectively giving the card an earning rate of up to 2 partner miles or points per dollar spent.
Flexibility is one of the most valuable elements of a good points strategy, and the Venture card delivers loads of it by allowing you to decide on a case-by-case basis whether to use it as a fixed-value or transferable-points card. The card offers a Global Entry/TSA PreCheck application fee credit (up to $100) every four years.
Annual fee: $0
Sign-up bonus: Earn 20,000 bonus miles after you spend $500 in the first three months of account opening.
Rewards: 1.25x on all purchases.
Benefits: The Capital One VentureOne is the no-annual-fee version of the popular Capital One Venture Rewards Card. It’s a spectacular introduction into the Venture’s flexible miles that are also transferable to Capital One’s 15+ airline and hotel transfer partners. You’ll also enjoy no foreign transaction fees with this card, along with important protections such as travel accident insurance, secondary rental car coverage and extended warranty. Benefits only available to accounts approved for the Visa Signature card. Terms apply.
Annual fee: $95, waived the first year
Sign-up bonus: Earn 50,000 bonus miles after you spend $4,500 in the first three months of account opening.
Rewards: 2x on purchases.
Benefits: The Spark Miles from Capital One is a business credit card that gives you access to the same great airline and hotel transfer partners as the Venture family of cards. Businesses can enjoy free employee cards and no foreign transaction fees. You also get up to $100 in credit for Global Entry or TSA PreCheck enrollment fees every four years, along with rental collision coverage and emergency travel assistance.
Annual fee: $0
Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases in the first three months of account opening
Rewards: Earn a fixed and unlimited 1.5% cash back on all purchases.
Benefits: The Quicksilver from Capital One is about as simplified as you can get, so for people who don’t want to spend time learning award charts and maxing out transfer bonuses, it can be a decent option. Its rewards are not the best rate on the market, but are passable, especially for a no-annual-fee card. While the sign-up bonus isn’t massive, the spending requirement is low. That said, if you’re in the market for a no-annual-fee cash back card like this, you’d likely be better off picking the Citi® Double Cash Card instead. There’s also the Capital One QuicksilverOne Cash Rewards Credit Card, but it comes with a $39 annual fee.
The information for the Capital One QuicksilverOne card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Annual fee: $95
Sign-up bonus: Earn a one-time $300 cash bonus after you spend $3,000 on purchases in the first three months from account opening.
Rewards: The card earns 4% back on dining, entertainment and popular streaming services, 3% back at grocery stores (excluding superstores like Walmart and Target) and 1% on everything else.
Benefits: The Savor Rewards from Capital One is a pure cash-back card that aims to compete on its earning rates, not on perks and benefits. There are credit cards out there with more valuable individual bonus categories, but if you’re looking for a no-frills, no-nonsense card with multiple solid bonus categories all in one package, the Savor is a great choice to consider. Just make sure you’re getting more than $95 worth of cash back from it year after year — otherwise, you might want to consider the no annual fee Capital One SavorOne Cash Rewards Credit Card instead. With its solid earning rates for dining and entertainment spending, the Capital One Savor Rewards card earns a spot as one of our picks for the best cash back credit cards.
The information for the Capital One Savor card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Annual fee: $0
Sign-up bonus: Earn a one-time $200 cash bonus after you spend $500 on purchases in the first three months from account opening.
Rewards: Earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery stores and 1% on everything else.
Benefits: The Capital One SavorOne Cash Rewards offers high cash-back returns on some of your most popular everyday purchase categories. There’s no limit to rewards you’ll earn, and you can redeem your rewards for pure cash back. It’s unlikely that a no-annual-fee cash-back card offers as many bonus categories, but the SavorOne does it all. To tie it all together, enjoy no foreign transaction fees when you use this card internationally.
Annual fee: $150
Sign-up bonus: Earn up to $1,000 cash bonus in the first six months; $500 once you spend $5,000 in the first three months and $500 more when you spend an additional $50,000 in the first six months of account opening.
Rewards: Earn an unlimited 2% cash back on every purchase, everywhere.
Benefits: The Capital One Spark Cash Plus for Business is the ideal card for business owners who want to maximize their expenses but can’t keep up with multiple purchase categories. You’ll earn valuable cash-back rewards back in your pocket, helping you lower your operating expenses in the long-run. Though, to make up for the $150 annual fee, make sure that your business has more than $7,500 in expenses per year. Like the other Capital One cards on this list, this card doesn’t charge foreign transaction fees.
How we chose the best Capital One credit card
While these aren’t the only Capital One credit cards on the market, these are the ones we’ve identified as the most beneficial for our readers. We looked at the rewards rates offered on each card, any additional perks, ease of the redemption process and the sign-up bonuses that came with each to narrow the larger list to this group of seven cards.
Of course, Capital One’s other cards each have their own benefits. For example, most of the cards on this list also have a no-annual-fee version. Those cards tend to be better for beginners or those who don’t spend enough annually to justify an annual fee.
What are the main benefits of Capital One credit cards?
Capital One made its Venture and Sparks Miles cards more valuable, offering the ability for cardholders to transfer miles to travel partners at various ratios including 1:1, 2:1.5 and a 2:1 ratio.
The flat miles and cash back earned on Capital One Venture, VentureOne, Spark Miles and Quicksilver cards makes things simple for cardholders, since you don’t have to worry about remembering which spending categories offer higher rewards. If you spend regularly on dining and entertainment, the 4% cash back on the Savor or SavorOne card is a good deal. And, if you don’t want to pay an annual fee and prefer a fixed earning rate, the Quicksilver is a reasonable choice.
Plus, none of these cards charge foreign transaction fees.
How many Capital One cards can you have?
There is a limit of two Capital One credit cards per person. However, the Capital One Platinum Secured Credit Card and Capital One’s co-branded cards are not included in the limit.
What are Capital One miles rewards?
Capital One miles rewards are earned on every purchase made with either the Venture, VentureOne or Spark Miles credit cards. You can redeem your miles at a fixed value or by transferring rewards to airline and hotel partners. This means your rewards are flexible — they can cover expenses for standard airline and hotel charges but also for non-traditional travel purchases such as helicopter rides or cruises (neither of which are typically easily covered by points/miles).
TPG currently values Capital One miles rewards at 1.7 cents per mile. While we don’t value them quite as high as Amex or Chase points (both of which come in at 2 cents apiece), you’re still getting a solid value from your miles.
How to redeem Capital One rewards
Redemptions on all the cards are pretty simple. You can redeem your Savor or Quicksilver cash back as a check, set up automatic redemptions at a set time or at specific cash thresholds or redeem it for statement credits or gift cards.
With the Venture or Spark Miles, you can receive a statement credit for the cost of travel booked with either card. You can also book a flight, car rental or hotel through the Capital One Travel Portal (or call if you’d rather book by phone) and use your miles to pay for them. Additionally, you can transfer your miles to airline or hotel partners in increments of 1,000 Capital One miles and then use the partner program to book a hotel stay or flight.
Here is a quick rundown of the 19 airline and hotel loyalty programs you can transfer miles to with Capital One:
- Aeromexico Club Premier
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- Alitalia MillMiglia
- ALL – Accor Live Limitless
- Avianca LifeMiles
- British Airways Avios
- Cathay Pacific Asia Miles
- Choice Privileges (later in 2021)
- Emirates Skywards
- Etihad Guest
- EVA Infinity MileageLands
- Finnair Plus
- JetBlue TrueBlue (last day to transfer is Oct. 24, 2021)
- Qantas Frequent Flyer
- Singapore KrisFlyer
- TAP Air Portugal Miles&Go
- Turkish Airlines Miles & Smiles
- Wyndham Rewards.
It’s worth noting that the time for your miles to transfer varies depending on each of the partners.
While premium credit cards are all the rage these days, $400 to $500+ annual fees aren’t right for everyone. Capital One has taken a different approach. None of these cards offer a lengthy, exhausting list of perks that you may or may not remember to use. None of them cost more than $100 a year to carry and some are annual-fee-free for the first year.
Capital One has focused on providing a good value proposition in terms of earning and redeeming, instead of complicating things with flashy and expensive perks. Whether you’re an individual or a business, and whether you are looking for miles or cash back, Capital One has a card that can help you achieve your travel goals.