Best Capital One Credit Cards of September 2024

If the best thing a credit card can do for you is put money back in your pocket (without requiring an annual fee)—and you have the credit score to access it—card_name is an excellent choice. Along with a substantial 1.5% cash back on every purchase you make, you’ll also bonus_miles_full Plus, through November 14, 2024, enjoy six months of complimentary Uber One membership.

card_name also comes with automatic travel accident insurance on fares booked through the card, extended warranty protection, and complimentary concierge service. Rewards can be issued via statement credit, check, purchase coverage, or gift card—and they never expire through the lifetime of the account.

Introductory Offer:

• Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that (balance transfer fee applies)

Card Rewards:

• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• 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

Additional Benefits:

• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

For serious globe-trotters willing to pay a modest annual fee (which easily pays for itself in travel-related rewards), card_name may be attractive. The annual_fees annual fee is eclipsed by the $100 Global Entry or TSA PreCheck benefit alone, and cardholders also have an unlimited capacity to earn two miles per dollar on every purchase they make, every day. (That figure goes up to five miles per dollar on hotels and rental cars booked through Capital One Travel.)

Right now, this card's bonus will bonus_miles_full. Looking to skip the annual fee? Try Capital One’s VentureOne Rewards line, which has cards for applicants at both the good and excellent credit levels.

Introductory Offer:

• Enjoy $250 to use on Capital One Travel in your first cardholder year.
• Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $1,000 in travel.

Card Rewards:

• Earn unlimited 2X miles on every purchase, every day.
• Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.
• Miles won’t expire for the life of the account, and there’s no limit to how many you can earn.

Additional Benefits:

• Receive up to a $100 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.

They say there’s no such thing as a free lunch. But so long as you pay your balance in full and on time every single month, a cash-back credit card with no annual fee is close. card_name costs nothing, but cardholders earn unlimited 3% cash back on dining, entertainment, groceries, and streaming services—and 1% cash back on all other purchases.

Bonus: For a limited time, through November 14, 2024, card_name holders with good credit will earn a staggering 10% cash back on Uber and Uber Eats purchases, along with having their Uber One monthly membership fee covered by the card. A higher-tier SavorOne card with even more valuable rewards is available for applicants with excellent credit.

Card Rewards:

• Earn unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.
• Get 10% cash back on purchases made through Uber & Uber Eats, along with complimentary Uber One membership statement credits through 11/14/2024.
• Enjoy 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 find the best prices on thousands of trip options. Terms apply.
• No rotating categories or sign-ups needed to earn cash rewards. Your cash back won’t expire for the life of the account, and there’s no limit to how much you can earn.

Additional Benefits:

• No foreign transaction fees.
• No annual fee.
• You’re protected by $0 Fraud Liability for unauthorized charges.

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

For those with variegated credit histories, secured cards can help you rebuild your credit—and, in the case of card_name, also earn cash back in the process. Applicants can check if they’re pre-approved with no risk to their credit scores, and get started on their credit-building journey with a refundable $200 minimum deposit.

What’s more, Capital One offers automatic credit line reviews in as little as six months after you open your account. That means you’ll get a credit line upgrade as soon as you’re eligible—without an additional deposit. Like other Capital One cards, the card_name card carries foreign_transaction_fee foreign transaction fees, and you won’t be responsible for unauthorized charges in the event your card is lost or stolen.

• No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
• Put down a refundable $200 security deposit to get a $200 initial credit line
• Building your credit? Using a card like this responsibly could help
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• 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
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

Another option for would-be cardholders looking to build (or rebuild) credit: card_name, which has one of the lowest credit thresholds the issuer offers. Applicants can see if they’re pre-approved with no risk to their credit score, and the minimum security deposit is as low as $49 for those who are approved. While the card_name doesn’t come with cash-back rewards or other fun bonuses, it does offer a lifeline to those who need access to credit and the opportunity to build their credit histories—with Capital One’s added assurance of automatic credit line reviews, security measures, and lack of foreign transaction fees.

Introductory Offer:

• Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that (balance transfer fee applies)

Card Rewards:

• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• 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

Additional Benefits:

• Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

College is a time for learning—and that includes learning about personal finances. Getting started with a card_name allows students to build healthy credit habits alongside their credit histories. Even better, unlike many other student-oriented cards it offers a one-time cash bonus to new cardmembers along with ongoing cash-back rewards.

Eligibility is limited to those actively enrolled in a four-year institution, community college, or another higher education institution. The card also carries a suite of grown-up benefits including complimentary concierge service, travel assistance services, travel accident insurance, and more.

• Earn unlimited 1.5% cash back on every purchase, every day
• Early Spend Bonus: Earn $50 when you spend $100 in the first three months
• Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Enjoy no annual fee, foreign transaction fees, or hidden fees
• Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
• Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
• Build your credit with responsible card use
• Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you

Introductory Offer:

• Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months.
• Earn an additional $2,000 cash bonus for every $500,000 spent during the first year. You can earn this bonus multiple times over the course of year 1!

Card Rewards:

• Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions.
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Additional Benefits:

• Enjoy purchasing power that adapts to your business needs. The Spark Cash Plus card has no preset spending limit, adapting based on your spending behavior, payment history, credit profile, and other factors.
• Empower your teams to make business purchases while you earn rewards from their transactions with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease.
• $150 annual fee—spend $150,000 annually and Capital One will refund this fee every year.
• Spark Cash Plus has no APR because your balance is due in full every month.
• Ideal for businesses that need large spending capacity and want to maximize cash back.

If luxury translates, for you, to globe-trotting in style, card_name may be headed your direction. Built for those with excellent credit, the card carries a steep annual fee of annual_fees, but offers frequent flyers enough perks to easily pay for itself if they take advantage of them. (For instance, you’ll get a $300 annual travel credit to be used in Capital One’s Travel portal, and a $100 credit for Global Entry or TSA PreCheck—and that’s before you add in miles earned or your 10,000 mile yearly anniversary bonus.)

card_name cardholders earn two miles for every dollar they spend on everyday purchases, as well as five miles for every dollar spent on flights booked through the company’s travel portal—and 10 miles for hotels and rental cars booked the same way. Additionally, Venture X holders (and up to two of their guests) get Capital One airport lounge access, and exclusive access to world-class dining reservations and entertainment options curated by Capital One. Miles don’t expire and there are no blackout dates. Of course, only those with the best credit scores will qualify.

Introductory 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.

Card Rewards:

• 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.

Additional Benefits:

• 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.
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
• Receive up to a $100 credit for Global Entry or TSA PreCheck®.

For applicants with fair credit who are looking for an unsecured credit card, card_name could be the answer. Although it doesn’t offer much in the way of ongoing rewards or bonuses, it’s an accessible credit product for those looking to work on their credit and build over time—and it comes with a helpful suite of security and convenience features, including a subscription to Capital One CreditWise, which can help you monitor your journey.

Card Benefits:

• Be automatically considered for a higher credit line in as little as 6 months
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Monitor your credit score with CreditWise from Capital One. It's free for everyone
• Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
• Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
• Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
• No annual or hidden fees.

Amazon sells everything—so the best card you can use to shop on it is one that gets you rewards for everything. We’ve already mentioned card_name for excellent credit above, but the issuer offers a similar product for those with good credit. Just like the excellent credit version, good-credit card_name cardholders earn 1.5% cash back on everyday purchases and are also eligible for the limited-time bonus of six months of complimentary Uber One membership. They will not, however, get a one-time new cardmember cash bonus or promotional interest rate, and the ongoing interest rate is higher at reg_apr,reg_apr_type.

Still, this card is a valuable choice for those looking for cash-back rewards on anything and everything—and like other Capital One cards, comes with high-tech security features, helpful management options, and no foreign transaction fees.