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Well-known for its advertising slogan, “What’s in your wallet?” Capital One presents a compelling case for always having one of its cards on hand for earning rewards on every purchase you make.
Add the fact that J.D. Powers recognized Capital One as having the highest customer satisfaction among mobile banking apps of all financial institutions, and you’ll start to understand the company’s delivery commitment.
Historically, Capital One cards don’t come with fancy quarterly bonus categories, airline or hotel perks, promotions needing registration, or a long list of bonus categories you must memorize. You’d normally just be earning unlimited rewards and enjoying no-hassle redemptions.
However, Capital One’s most recent entry into the premium travel rewards card space offers a new, more vibrant card option that we’ve included in today’s collection.
If you’re looking for a credit card that earns travel rewards, cash-back, or a chance to build or rebuild your credit history, there’s bound to be a Capital One card that fits your needs.
Let’s take a look at the rewards, benefits, and credit-building solutions offered by some of the best Capital One credit cards.
While we will review a more exhaustive list of the best Capital One credit cards for various categories, here is a detailed overview of some of our favorites:
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Pros
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry or TSA PreCheck credit
Add authorized users for no additional annual fee (rates & fees)
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck®
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros
5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit
If simplicity is still your priority, the Capital One Venture Rewards Credit Card may be a fit. as you earn double miles every day on every purchase, making it an excellent travel rewards card option.
When it’s time to redeem your miles, you have the same options of purchasing travel via Capital One Travel or transferring to travel partners.
That strong marketing message of earning double miles has made the Capital One Venture card a popular choice, and with simple earning and redemptions, plus lots of benefits, it’s an easy card to have in your wallet.
Hot Tip: Cardholders of the Capital One Venture X card, Capital One Venture card and Capital One VentureOne Rewards Credit Card can get exclusive experiences and up to $300 in discounts towards a Gravity Haus membership. The club caters to adventurers interested in health and wellness and those who enjoy the outdoors.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening.
$300
$95
20.74%-28.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.
Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.
Pros
10% cash-back on Uber and Uber Eats
8% cash-back on Capital One Entertainment
5% cash-back on hotels and rental cars booked through Capital One Travel
4% cash-back on dining, entertainment, and popular streaming services
3% cash-back at grocery stores
1% cash-back on all other purchases
Complimentary Uber One membership through November 14, 2024
This is strictly a cash-back card, so it features no travel rewards like other cards offer
Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn 8% cash back on Capital One Entertainment.
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn.
If you’re a foodie, have a lot of business dining expenses, or dine out frequently, you can’t go wrong earning 4% cash-back on dining.
You earn at least 1% cash-back on every purchase and 2% at grocery stores, so there’s plenty of earning potential for everyday spending.
Hot Tip: A great perk with all Capital One consumer and business cards through June 22, 2024, is a free 6-month membership to The Cultivisit, which offers free access to museums worldwide.
Best Capital One Credit Cards for Cash-Back
They may lack excitement, but simplicity may be more important when it comes to everyday earnings, and that’s what you’ll get with Capital One cash-back credit cards.
You earn cash-back on every purchase, but you also have the opportunity to take advantage of the 0% APR periods for purchases and balance transfers that come with these cash-back credit cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One SavorOne card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
The Capital One SavorOne card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
$200
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Capital One SavorOne card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart® and Target®), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.
The card also offers the ability to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.
Pros
10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8% cash back on Capital One Entertainment purchases
5% cash-back on hotels and rental cars booked through Capital One Travel
3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
1% cash-back on all other purchases
No annual fee
No foreign transaction fees
Access to Capital One Dining, Capital One Travel, and Capital One Entertainment
Cons
Rewards are purely cash-back, so there is no access to outsized travel rewards redemptions
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
No foreign transaction fee
No annual fee
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
A flexible, no-frills card that earns 1.5% cash-back on all purchases. Redeem rewards for any amount anytime you choose with no annual fee.
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
$200
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Low maintenance, that’s your motto. When it comes to your credit cards, you don’t have the time or inclination to figure out which spending categories earn you the most cash-back.
A card that earns 1.5% cash-back for everything is more your speed.
That’s why you should consider the Capital One Quicksilver Cash Rewards Credit Card. You’ll never waste your time with changing categories, and there’s no limit to the cash-back you can earn.
Doesn’t offer bonus categories for those looking to maximize certain purchases
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Hot Tip: Don’t forget that you can earn additional cash-back by using Capital One Offers.
Best Capital One No-Annual-Fee Credit Cards
Capital One has a long list of cards in its lineup that do not charge an annual fee. The collection of no-annual-fee Capital One cards includes a credit card for every spending profile and credit history.
You’ll find rewards-earning credit cards, 0% APR credit cards, cash-back credit cards, cards for less-than-perfect credit, and a card for rebuilding your credit.
Bottom Line: Regardless of your credit history, Capital One has a no-annual-fee credit card that can match your financial profile.
Best Capital One Credit Cards for Business
Earning 2% cash-back or 2 miles per dollar on all your business expenses can be a respectable return. Let’s take a look at the following cards for business owners.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
150,000 miles
$2,700
$395
All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
The information regarding the Capital One Venture X Business card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.
From 2x miles on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.
Pros
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
10,000 bonus miles awarded on your account anniversary each year
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and Priority Pass lounges
10x and 5x bonus categories are limited to Capital One Travel bookings
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you’ll get the best prices on thousands of options
Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
This is a pay-in-full card, so your balance is due in full every month
Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
Financial Snapshot
APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
For business owners, this is the card to have in your wallet. The Capital One Venture X Business Card has a generous welcome offer: Earn 150,000 miles once you spend $30,000 in the first 3 months from account opening. We value Capital One miles at 1.8 cents per mile, making the offer worth $2,700 by that valuation.
You also earn unlimited 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and unlimited 2x miles on all other purchases.
Cardholders also have access to key travel perks, such as up to $100 credit for Global Entry or TSA PreCheck and unlimited complimentary access for you and 2 guests to over 1,300 lounges, including Capital One Lounges and the Partner Lounge Network.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.
The Capital One Spark Cash Plus card offers an unlimited 2% cash-back on all purchases and helpful features for business owners.
Earn $1,200 cash back once you spend $30,000 in the first 3 months
$1,200
$150
N/A
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The Capital One Spark Cash Plus Card is great for business owners looking to improve their bottom line by earning 2% cash-back on all purchases without a high annual fee. Further, with no preset spending limit, the ability to get your $150 annual fee refunded every year you spend at least $150,000, and no-additional-fee employee cards, there is something that every business owner will love (rates & fees).
Pros
Unlimited 2% cash-back on all purchases
5% cash-back on hotels and rental cars purchased through Capital One Travel
No preset spending limit
Get your $150 annual fee refunded every year you spend at least $150,000 (rates & fees)
Don’t let the $150annual fee deter you, however, as spending $50,000 a year on your business will net you $850 on the Capital One Spark Cash Plus card($1,000 in earnings minus the $150 annual fee) versus the Capital One Spark Cash Select card with a $0 annual fee earning 1.5% x $50,000, or $750 cash-back.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
Pros
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
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
Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
Transfer your miles to 15+ travel loyalty programs
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
The same applies to the Capital One Spark Miles card, earning 2x miles per dollar spent. Spending $50,000 would equal 100,000 Capital One miles for an annual fee of $0 intro for the first year, $95 after that versus 75,000 miles earned for the same spending level on the Capital One Spark Miles Select card with no annual fee.
Let’s look at how the cards compare:
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Best Capital One Credit Card for Business
Earnings
Annual Fee
Capital One Venture X Business Card
2x miles on every purchase
$395
Capital One Spark Cash Plus Card
2% cash-back on every purchase
$150
Capital One Spark Cash Select Card
1.5% cash-back on every purchase
$0
Capital One Spark Miles Card
2x miles on every purchase
$0 intro for the first year, $95 after that
Capital One Spark Miles Select Card
1.5x miles on every purchase
$0
Bottom Line: Don’t let an annual fee scare you away from a particular business credit card from Capital One. Estimate your annual spending on the card and calculate the value you’d receive in return. You may find that paying the annual fee increases your bottom-line earnings.
Best Capital One Introductory 0% APR Credit Cards
It would be wishful thinking to find a credit card that doesn’t charge interest, but the next best thing is a credit card that doesn’t charge interest for a specific period of time.
A window of interest-free purchases or balance transfers allows you to make a large purchase and pay the balance off over time — or transfer balances from your high-interest credit cards and receive temporary relief from interest charges.
You’ll want to manage your 0% APR transactions well and ensure all balances are paid off in full before the 0% APR period expires to avoid incurring any interest charges. Once the 0% APR period has expired, you’ll be subject to normal interest rates on the card, which can exceed 20%.
Recommended Capital One card choices for introductory 0% APR offers:
Bottom Line: A 0% APR period can save you hundreds, even thousands of dollars on interest charges. Fortunately, Capital One makes it easy to secure 0% APR credit cards for purchases and balances transfers, as none of these cards charge an annual fee.
Best Capital One Credit Cards for Building Credit
Have you had past credit challenges and want to get back on the right path? Or are you just starting out and need a credit card to help you build a solid credit history? Perhaps you’re an entrepreneur with less-than-stellar credit trying to get your business up and running.
These are all situations that Capital One addresses with its credit card offerings for building or rebuilding credit.
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Capital One Credit Card for Building or Rebuilding Credit
Benefits
Capital One Platinum Credit Card
Access to a higher credit limit after the first 6 months of on-time payments
An initial credit line of $200 upon making the minimum required security deposit
Access to a higher credit limit after the first 6 months of on-time payments; no additional deposits needed
Reports to the 3 leading credit bureaus
Capital One Spark Classic card
1% cash-back on all purchases
Business credit card with employee cards, annual statements
Bottom Line: Even with less-than-perfect credit or no credit, you can qualify for a Capital One credit card and get started on the path to building a better credit history.
Everything Else You Need To Know
Prequalifying for Capital One Credit Cards
Applying for a credit card can be intimidating, as you’re never 100% sure you’ll get approved. Fortunately, you can diminish that stress with Capital One credit cards, as they have a user-friendly prequalifying process designed to let you know upfront if you’re likely to qualify for one of its credit cards.
The prequalification form is not a credit card application, so there’s no hard credit pull and no guarantee you’ll ultimately be approved. However, it gives you an idea of which cards you’d likely be approved for.
To read about the prequalifying process for Capital One and other credit card issuers, you can access our complete guide to credit card prequalification.
Another option is to use the CardMatch tool, which lets you know if you’ve been targeted for any credit card offers. Capital One is one of the participating financial institutions on the site.
Once you sign in to your Capital One online account, you can easily redeem your miles for travel.
Redeeming Miles
Capital One miles are generally worth 1 cent each, are easy to redeem, and have several redemption options. Just log in to your Capital One online account to access several redemption options. Note that not all redemption options are available on every card.
1. Use for Travel Purchases
You can redeem your miles for new travel with Capital One Travel or redeem as a statement credit for travel purchases from the previous 90 days.
2. Transfer Miles to Travel Partners
One of the best options for redeeming your rewards is to transfer to airline and hotel partners. If available on your card, this option can result in far better than 1 cent per mile in value.
3. Redeem for Gift Cards
Use your miles to purchase gift cards at 1 cent per mile.
4. Redeem for Cash
Not a good option, as your miles are only worth 0.5 cents per mile when redeemed for cash. Avoid this choice if you can!
5. Donate
Redeem your miles for a charitable donation by selecting from a long list of organizations such as the American Red Cross and Habitat for Humanity. Select an option that gives you at least 1 cent per mile in value.
6. Checkout With PayPal
When your eligible card is linked to PayPal, you can checkout with PayPal and redeem your miles at a rate of 125 miles to $1. We’d recommend this only if you can’t use your miles for travel or as a statement credit.
Hot Tip: Look for special offers when redeeming miles for gift cards, as there are frequent options to redeem for better than 1 cent per mile.
Collecting Your Cash-Back Rewards
It’s easy to collect the cash-back you’ve earned on your Capital One cash-back credit card.
Simply log in to your Capital One online account to view your rewards balance and choose your desired redemption option.
Take your cash back as a statement credit that will be applied to your credit card balance, or you can request that a check be sent to you.
Cash-back rewards can also be redeemed for gift cards or charitable donations.
Your specific Capital One credit card has its own travel protections, shopping benefits, and additional features and benefits. This list includes many of the benefits and protections available. However, your card agreement will determine which ones apply to your credit card.
Visa Benefits: Capital One Visa credit cards come with a suite of benefits, including Visa Concierge services, expanded travel benefits, and additional shopping benefits.
Mastercard Benefits: Capital One offers several types of Mastercards, each with its own protection and benefits collection.
Terms, conditions, and exclusions apply. Refer to your guide to benefits for more details.
Final Thoughts
The broad collection of Capital One credit cards ensures an appropriate card for every type of consumer, including frequent travelers.
And with the addition of the Capital One Venture X card, you now have access to premium travel perks such as travel credits, elevated earning categories for travel, and worldwide lounge access.
Business owners looking for related bonus purchase categories such as office supplies, shipping, travel, and internet or phone services won’t find these offerings on Capital One credit cards. Still, they will find solid, flat-rate earnings that ensure every purchase earns rewards.
And even if your credit is less than perfect, you can find a card that can help you build or rebuild your credit.
Capital One knows its market well and delivers solid credit card solutions that offer simple-to-earn rewards that are also easy to redeem — and plenty of its cards do not charge an annual fee.
No identity crisis here, Capital One knows exactly what it’s doing.
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. The information regarding the Capital One Spark Classic for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Platinum Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Platinum Secured Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: Upgraded Points
Frequently Asked Questions
Will prequalifying or using the CardMatch tool hurt my credit score?
Neither the Capital One prequalifying tool nor the CardMatch tool will hurt your credit score.
Although you do have to provide a partial or full Social Security number when completing the forms, neither does a hard credit pull on your credit report, so your credit score is not affected.
Both are helpful tools for a no-risk look to see if you have any targeted credit card offers.
Which is the best Capital One credit card?
The perfect Capital One credit card is the one that matches your spending habits, offers rewards you can use, and has an annual fee you can live with (or no annual fee, if that is your preference).
For example, if you don’t travel, you may want to select a credit card that earns cash-back. You may also want a credit card that doesn’t charge an annual fee. These 2 factors narrow the choices significantly.
You also want to select a credit card you can actually be approved for. If your credit history has blemishes, start with one of the credit cards suited for rebuilding your credit.
How does the secured credit card work?
The Capital One Platinum Secured card functions like a regular credit card. You charge a purchase and then pay it off at the end of the billing period.
However, applying and getting approved for the Capital One Platinum Secured card differs from a regular credit card in that you need a security deposit to secure the card. The security deposit for the card ranges from $49 to $200 (depending on your creditworthiness) to receive a credit limit of $200.
This is because a secured credit card is designed for consumers with no proven credit history or bad credit. Once you’ve made 5 consecutive on-time payments, you will be considered for a higher credit limit.
Even with these restrictions, a secured credit card is a good vehicle for building or rebuilding your credit history because it reports your activity to all 3 credit bureaus.
Do Capital One miles expire?
Capital One rewards, whether cash-back balances or miles, do not expire as long as you have an active account open. If you close your account, any miles or cash-back that have not been redeemed will be forfeited.
Capital One miles can be transferred to other Capital One accounts, which can be an option for preserving your unredeemed balance.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.