The 11 Best Credit Cards for EV Charging [Cash-Back and Points]

Charging at home may be the default for EV owners, but road trips, errands, and long days out often mean using public charging stations. Using the right credit card for a charging session can help you earn more every time you plug in.

This guide covers the best credit cards for EV charging, including cards that earn cash-back, transferable points, and miles.

Best Credit Cards for EV Charging: Overview

These cards stand out for EV charging with strong earning rates and valuable rewards. Keep scrolling to learn more about each card, including spending caps, annual fees, and estimated return on spending.

3 Best Credit Cards for EV Charging

We’ve calculated the return on spending for each of these cards based on cents per point and our valuation of those points or the cash-back. For example, a card that earns 3x Chase Ultimate Rewards points would have a 6% return on spending, since those points are worth 2 cents each.

We suggest using these numbers as a guideline to help you choose the best card for your EV charging needs, keeping in mind what’s most valuable to you (such as Chase points, Citi points, or cash-back).

Chase Sapphire Preferred Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card earns 3x points on EV charging, making it the best overall choice for EV charging rewards. The earnings aren’t limited to specific quarters or the year, and there’s no spending cap. It earns transferable Chase Ultimate Rewards, which we value at 2 cents per point. That’s a 6% return on EV charging purchases if you maximize your redemption by transferring them to Chase travel partners.

Discover Cash Back Card

Discover it^® Cash Back Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Discover Cash Back card is an excellent first credit card to earn cash-back rewards with no annual fee.

Apply Now(at Discover's secure site)

Discover it^® Cash Back Card

The Discover Cash Back card is an excellent first credit card to earn cash-back rewards with no annual fee.

Annual Fee

$0

APR

0% Intro APR on purchases and balance transfers for 15 months from date of account opening, then a variable APR of 17.49% to 26.49%.

Why We Like This Card

The Discover Cash Back card is a great option for those looking for a $0 annual fee credit card to help build their credit history, while earning cash-back rewards on their daily purchases.

Pros & Cons

Pros

• Earn 5% back on rotating quarterly bonus categories like grocery stores, restaurants, and gas stations, on up to $1,500 in spend each quarter
• Unlimited 1% back on all other purchases
• $0 annual fee

Cons

• Quarterly spending cap on 5% rewards
• Not very rewarding for purchases outside of the rotating 5% category

Read Full Review

Card Highlights

• Intro Offer: Get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year.
• Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
• Plus, earn unlimited 1% cash back on all other purchases – automatically.
• Redeem cash back in any amount, any time. Rewards never expire.
• Use your rewards at Amazon.com checkout.
• No annual fee.
• Discover is accepted nationwide by 99% of the places that take credit cards.

Financial Snapshot

• APR: 0% Intro APR on purchases and balance transfers for 15 months from date of account opening, then a variable APR of 17.49% to 26.49%.
• Foreign Transaction Fees: None

The Discover Cash Back card offers 5% cash-back in quarterly rotating categories. That means you earn 5% cash-back for the quarter for up to $1,500 in spending when the bonus categories include electric vehicle charging. However, when the bonus categories don’t include EV charging, you should use a different credit card, since you would only earn 1% cash-back at those times.

Citi Strata Premier Card

Terms Apply / Rates & Fees

Citi Strata Premier^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Apply Now(at our partner's secure site)

Citi Strata Premier^® Card

Welcome Offer

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

60,000 Points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier^® Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Financial Snapshot

• APR: 19.49% to 27.49% Variable
• Foreign Transaction Fees: None

The Citi Strata Premier card is another card that earns unlimited 3x points on EV charging with no spending cap. We value Citi ThankYou Points at 1.6 cents each, so you can earn a 4.8% return on EV charging expenses if you transfer your points to Citi’s hotel or airline partners.

Alternative Cards for Electric Vehicle Charging

The following cards are solid alternatives for EV charging purchases.

Wells Fargo Autograph Card

Wells Fargo Autograph℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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 Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 points

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49% or 28.49% variable APR thereafter

Credit Recommended

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 card application.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

• 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points per $1 spent on other purchases
• No annual fee

Cons

• Doesn’t offer many travel protections

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49% or 28.49% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49% or 28.49% variable APR thereafter
• Foreign Transaction Fees: None

The Wells Fargo Autograph card is another great one for your EV charging spending. Just like the Citi Strata Premier card, it earns an unlimited 3x Wells Fargo Rewards points on EV charging. The overall return on spending of 4.5% for 3x points is slightly lower, though, since we value Wells Fargo Rewards points slightly less than Citi ThankYou Points.

Amex Blue Business Plus Card

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

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 card application.

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card earns 2x Membership Rewards points on all purchases up to $50,000 per year (1x thereafter). It’s a no-nonsense option for business owners who want a simple way to earn lots of Amex Membership Rewards points. Even better, it has a $0 annual fee (rates & fees).

Since we value Amex points at 2.2 cents each, you can receive around a 4.4% return on spending.

Costco Anywhere Card and Costco Anywhere Business Card

Costco Anywhere Visa^® Card by Citi

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

All information about Costco Anywhere Visa^® Card by Citi has been collected independently by Upgraded Points.

Costco Anywhere Visa^® Card by Citi

Welcome Offer

None

Annual Fee

$0

APR

18.74% to 26.74% Variable

Why We Like This Card

The Costco Anywhere Visa^® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Card Highlights

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Financial Snapshot

• APR: 18.74% to 26.74% Variable
• Foreign Transaction Fees: None

Costco Anywhere Visa^® Business Card by Citi

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Earn 5% cash-back on Costco gas purchases and 4% cash-back on other gas/EV charging purchases, 3% cash-back at restaurants and travel, 2% cash-back at Costco, and 1% on all other purchases.

All information about Costco Anywhere Visa^® Business Card by Citi has been collected independently by Upgraded Points.

Costco Anywhere Visa^® Business Card by Citi

Earn 5% cash-back on Costco gas purchases and 4% cash-back on other gas/EV charging purchases, 3% cash-back at restaurants and travel, 2% cash-back at Costco, and 1% on all other purchases.

Welcome Offer

None

Annual Fee

$0

APR

18.74% to 26.74% Variable

Pros & Cons

Pros

• 5% back on gas at Costco and 4% back on gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% back on restaurants and eligible travel, including Costco Travel
• 2% back on purchases from Costco and Costco.com

Cons

• You only receive your cash-back rewards once per year
• The 5% and 4% cash-back on gas purchases is limited to up to $7,000 in combined purchases per year

Read Full Review

Card Highlights

• Discover the only business credit card designed exclusively for Costco members
• 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Financial Snapshot

• APR: 18.74% to 26.74% Variable
• Foreign Transaction Fees: None

The Costco Anywhere card and Costco Anywhere Business card both earn 4% cash-back on EV charging, up to $7,000 per year.

The cash-back earned on these cards is awarded as an annual credit card reward certificate, which can be redeemed for cash or Costco merchandise.

U.S. Bank Altitude Connect Card

Terms Apply / Rates & Fees

U.S. Bank Altitude^® Connect Visa Signature^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Earn big on travel, plus everyday earning on everyday purchases.

U.S. Bank Altitude^® Connect Visa Signature^® Card

Earn big on travel, plus everyday earning on everyday purchases.

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in eligible net purchases within the first 90 days of account opening.

20,000 points

Annual Fee

$0

APR

0% intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.49% - 27.49% applies.

Why We Like This Card

The information regarding the U.S. Bank Altitude^® Connect Visa Signature^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The U.S. Bank Altitude Connect card is an excellent $0-annual-fee cash-back rewards card that offers 6 different bonus categories, airport lounge access, a Global Entry or TSA PreCheck credit, and more.

Pros & Cons

Pros

• 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4x points on travel
• 4x points at gas stations and EV charging stations (on your first $1,000 each quarter)

Cons

• Does not earn transferable rewards
• Award redemptions are capped at 1 cent per point

Read Full Review

Card Highlights

• Earn 20,000 bonus points when you spend $1,000 in eligible net purchases within the first 90 days of account opening.
• 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
• 4X points on travel.
• 4X points at gas stations and EV charging stations (on the first $1,000 each quarter).
• 2X points on streaming services.
• 2X points at grocery stores, grocery delivery, and dining.
• Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck^® or Global Entry^® application fee once every four years.
• 1X points on all other eligible purchases.
• Points never expire.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with a U.S. Bank ExtendPay™ Plan.
• Terms and conditions apply.

Financial Snapshot

• APR: 0% intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.49% - 27.49% applies.
• Foreign Transaction Fees: None

The U.S. Bank Altitude Connect card is another $0-annual-fee card that could work for EV charging purchases. It earns 4x points on travel, gas, and EV charging purchases, up to $1,000 per quarter. Additionally, this card earns 5x points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 2x points on dining, streaming services, and at grocery stores, and 1x points on all other purchases.

Capital One Venture Cards

Finally, the Capital One Venture cards are a solid choice for EV charging. All of the following earn 2 Capital One miles on all purchases, including EV charging:

• Capital One Venture card
• Capital One Venture X card
• Capital One Venture X Business card

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 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

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

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 card application.

Good to Excellent Credit

Why We Like This Card

The Capital One Venture Rewards Credit Card is 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 & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Earn 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
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

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

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

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 card application.

Excellent

Why We Like This Card

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 & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• 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

Read Full Review

Card Highlights

• 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 and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• 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
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Capital One Venture X Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Capital One Venture X Business Card

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Welcome Offer

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.

150,000 miles

UP's Offer Valuation*:

Up to $2,700

Annual Fee

$395

APR

25.74% (Variable)

Why We Like This Card

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 per dollar 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 & Cons

Pros

• 10x miles per dollar on hotels and rental cars purchased through Capital One Business Travel
• 5x miles per dollar on flights and vacation rentals purchased through Capital One Business Travel
• 2x miles per dollar on all other purchases

Cons

• $395 annual fee
• 10x and 5x bonus categories are limited to Capital One Business Travel

Read Full Review

Card Highlights

• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
• With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
• 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
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
• Top rated mobile app

Financial Snapshot

• APR: 25.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Final Thoughts

EV charging is a separate credit card rewards category from gas purchases. While some cards offer rewards for EV charging and gas, many don’t, so it’s worth choosing a card that rewards EV charging purchases. The best card depends on whether you prioritize maximum cash-back or transferable rewards. Before you choose a card for EV charging, compare the earning rate, rewards value, annual fee, and spending caps.