Best Capital One Credit Cards in July 2025

The Capital One Venture Rewards Credit Card is one of the best cards if you love to travel, with a rewards structure that’s easy to keep track of. You’ll earn boosted miles for every dollar spent on hotels, vacation rentals, and rental cars booked through Capital One Travel, plus a base rate of 2x miles on every other dollar spent.

Miles can be redeemed for travel purchases on Capital One Travel, transferred to one of Capital One’s airline and hotel partners, or used as a statement credit to offset travel purchases.

Some other benefits include:

• Global Entry/TSA PreCheck® credit
• No blackout dates
• No foreign transaction fees
• Car rental collision damage waiver
• Accident insurance
• 24-hour travel assistance
• $50 credit to Lifestyle Collection stays
• Access to exclusive events

The card is great for earning rewards, but it’s more limited than other travel rewards cards. Capital One only has three lounges, which is far fewer than Chase and American Express. While you don’t have access to Capital One’s Priority Pass partner network, you can access a Capital One lounge — but it will come with an extra fee. This is a change from the past when cardholders were granted two complimentary lounge visits per year.

The Capital One Venture X Rewards Credit Card is ideal for frequent fliers who want a high-end experience. You get a massive earnings boost on hotels, rental cars, and flights booked through Capital One Travel, plus earn 2x miles on all other purchases.

The rewards structure is straightforward, and there’s no limit on how many base-rate miles you can earn.

There is a fairly high annual fee, but it can be offset by some of the card's travel perks, such as:

• $300 annual travel credit
• 10,000 point anniversary bonus
• Points transfer to airline and hotel partners
• Unlimited lounge access to Capital One Lounges and 1,300+ Priority Pass locations
• 2 complimentary guest lounge passes
• Global Entry or TSA PreCheck® credit
• $100 Premier Collection experience credit
• $50 Lifestyle Collection experience credit
• No foreign transaction fees
• Hertz President’s Circle status for rental car upgrades
• Auto rental collision coverage
• 24/7 travel assistance and concierge service
• No blackout dates
• Add additional cardholders for free
• Cellphone protection (up to $800)

The Venture X is Capital One’s premium travel card, but it does have some disadvantages. Compared to other premium travel cards, Capital One’s lounge network is much smaller. Also, the card also doesn’t come with travel insurance or trip interruption coverage, nor as many non-travel perks like dining credits or bonus point categories.

The Capital One Savor Cash Rewards Credit Card offers some of the best cashback rewards for food and entertainment, including on restaurants, groceries, select streaming services, and live events through Capital One Entertainment.

And if you like to travel, you’ll earn boosted cashback on hotels and rental cars booked through Capital One Travel.

The card doesn’t come with an annual fee, but still offers several perks, including:

• No foreign transaction fees
• Concierge for dining, travel, or event bookings
• Travel accident insurance
• Access to discounts through Capital One Shopping
• Extended warranty on covered purchases
• 24/7 travel assistance
• $0 fraud liability
• Credit alerts through CreditWise
• Exclusive access through Capital One Dining and Capital One Entertainment

The Capital One Quicksilver Cash Rewards Credit Card has a simple rewards structure of flat-rate cashback on all purchases and boosted cashback on hotels and rental cars booked through Capital One Travel.

There’s also no annual fee, making it an affordable option for earning rewards.

You can get your cashback as a statement credit, redeem it through PayPal, or put it toward your next Amazon purchase.

Some other benefits include:

• Access to CreditWise credit score reporting
• No foreign transaction fees
• Automatic credit line reviews
• Virtual credit card numbers for online shopping
• 24/7 travel assistance and concierge service
• Extended warranty on eligible items
• Travel accident insurance

Unfortunately, the card doesn’t come with lounge access or the ability to transfer points to airline or hotel partners like some of Capital One’s other cards. And while the cashback rate is higher than other entry-level cards, it isn’t as high as what you could get back with a card that has rotating cashback categories.

The Capital One Spark Cash Plus earns you cashback on business travel as well as everyday expenses, with no spending limit and no rotating categories to keep track of.

There is an annual fee, but the card comes with a generous welcome offer and a spending bonus of $2,000 for every $500,000 spent in the first year. Plus, if you spend at least $150,000 annually, you can qualify for your annual fee to be refunded.

Your cashback can be redeemed as a statement credit, a cash withdrawal through PayPal, or applied directly to bookings made through Capital One Travel.

Some of the card’s other benefits include:

• $0 fraud liability
• Virtual card numbers for online purchases
• Free employee cards that earn rewards
• Choose your due date
• Transaction reports
• Roadside assistance
• Extended warranty protection

It’s important to note that the card isn’t a traditional credit card. Your balance has to be paid in full each month, otherwise you’ll be charged a late fee until your account is made current.