Capital One credit cards: A guide

December 11, 2025|6 min read

Every person is different, and so is what they may look for in a credit card. Whether your focus is on rewards and bonuses or building credit, Capital One has plenty of options to consider.

What you’ll learn:

Capital One has credit cards to fit different credit levels and rewards preferences, including cash back and travel rewards cards.
Eligible Capital One cardholders can earn elevated rewards through Capital One Travel and Capital One Entertainment.
All cardholders can access Capital One features related to account management, security and support.
Tools like CreditWise from Capital One are accessible without a Capital One credit card.

Capital One travel rewards cards

Capital One travel offers flexible travel miles across a range of travel rewards credit cards, each designed for different credit levels and spending needs. Together, the lineup of cards offers plenty of options and a consistent travel rewards experience. View important rates and disclosures.

Capital One card	Rewards	Credit level	Annual fee	Bonuses and notable benefits
Venture X	10X miles on hotels and rental cars booked through Capital One Travel 5X miles on flights, vacation rentals and activities booked through Capital One Travel 5X miles on Capital One Entertainment 2X miles on all other purchases, every day	Excellent	$395	For a limited time, earn 100,000 bonus miles once you spend $10,000 on purchases within six months of opening an account 10,000 bonus miles every year, starting on your first anniversary $300 annual Capital One Travel credit Access to Capital One Lounges and complimentary Priority Pass membership Access to the Premier Collection and Lifestyle Collection through Capital One Travel Up to $120 credit for Global Entry or TSA PreCheck
Venture	5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5X miles on Capital One Entertainment 2X miles on all other purchases, every day	Excellent	$95	Earn 75,000 bonus miles by spending $4,000 within three months of opening an account Up to $120 credit for Global Entry or TSA PreCheck Access to the Lifestyle Collection through Capital One Travel
VentureOne	5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5X miles on Capital One Entertainment 1.25X miles on all other purchases, every day	Excellent	$0	Earn 20,000 bonus miles by spending $500 within three months of opening an account
VentureOne for Good Credit	5X miles on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5X miles on Capital One Entertainment 1.25X miles on every purchase	Good	$0	No current bonuses
View important rates and disclosures

Capital One dining and entertainment credit cards

Capital One dining and entertainment cards offer cash back rewards on food and fun, with plenty of options to suit different needs. The lineup of cards provides a consistent rewards experience, with options ranging from no-fee starter cards to premium cards with enhanced cash back rates. View important rates and disclosures.

Capital one card	Rewards	Credit level	Annual fee	Bonuses
Savor	8% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 3% cash back at grocery stores and on dining, entertainment and popular streaming services 1% cash back on all other purchases, every day	Excellent	$0	Earn $200 by spending $500 on purchases within three months of opening an account
Savor for Good Credit	8% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 3% cash back at grocery stores and on dining, entertainment and popular streaming services 1% cash back on all other purchases, every day	Good	$0	No current bonuses
Savor Student	8% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 3% cash back at grocery stores and on dining, entertainment and popular streaming services 1% cash back on all other purchases, every day	Students	$0	Earn $50 by spending $100 on purchases within three months of opening an account
SavorOne	8% cash back on Capital One Entertainment purchases 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 3% cash back at grocery stores and on dining, entertainment and popular streaming services 1% cash back on all other purchases, every day	Fair	$39	No current bonuses
View important rates and disclosures.

Capital One everyday cash back cards

Capital One everyday cash back cards offer simple, unlimited cash back rewards. The cards are built around straightforward rewards and flexible redemption options, and they include a secured-card option.

Capital One card	Rewards	Credit level	Annual fee	Bonuses
Quicksilver	5% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1.5% cash back on every purchase, every day	Excellent	$0	Earn $200 by spending $500 within three months of opening an account
Quicksilver for Good Credit	5% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1.5% cash back on every purchase, every day	Good	$0	No current bonuses
Quicksilver Student	5% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1.5% cash back on every purchase, every day	Student	$0	Earn $50 by spending $100 on purchases within three months of opening an account
Quicksilver Secured	5% cash back on Capital One Entertainment 5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 1.5% cash back on every purchase, every day	Fair	$0	No current bonuses
QuicksilverOne	5% cash back on hotels, vacation rentals, rental cars and activities booked through Capital One Travel 5% cash back on Capital One Entertainment 1.5% cash back on every purchase, every day	Fair	$39	No current bonuses
View important rates and disclosures.

Capital One cards for credit building

If you’re trying to build credit with a credit card, the key is using it responsibly. That means doing things like paying statements on time every month. That’s true of any credit card on this page. But if you’re working to improve your credit scores or you’ve never had a credit card before, it’s not always as simple as picking any card you want. Capital One offers multiple cards that might be good options.

Capital One card	Rewards	Credit level	Annual fee	Benefits
Platinum Mastercard	No current rewards	Fair or no credit	$0	Zero liability for unauthorized charges Automatically considered for a higher credit line in as few as six months
Platinum Secured	No current rewards	Rebuilding	$0	Reports to major credit bureaus to help build credit $49, $99 or $200 refundable security deposit
View important rates and disclosures

Capital One credit cards shared benefits

All Capital One credit cards share a few things when it comes to account management, security and support.

No foreign transaction fees: Travel abroad knowing that you won’t be charged foreign transaction fees when you use your Capital One credit card. View important rates and disclosures.
Flexible redemption options: Redeem your rewards with flexible options, including statement credits, gift cards, at Amazon.com or through PayPal.
Zero liability for unauthorized charges: If your card is ever lost or stolen, you won’t be responsible for any unauthorized purchases.
Virtual card numbers: Shop online more securely with virtual card numbers that hide your actual card details from merchants.
Capital One Mobile app: Pay bills, deposit checks, monitor account activity and more—all in one place.
CreditWise: Monitor your credit with free access to your credit report and credit score. CreditWise offers personalized insights to help you better understand your credit score.

Some benefits, such as CreditWise, are accessible even if you aren’t a Capital One cardholder.

Capital One credit cards: designed for your lifestyle and goals

Capital One offers a range of credit cards designed to meet different spending habits, travel goals and credit needs.

Take the time to explore and compare Capital One credit cards to find a card that fits you. Before you apply, you can even see which cards you may qualify for by checking whether you’re pre-approved. The process is quick, and it won’t hurt your credit scores.

Footnotes

Learn more about FDIC insurance coverage.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

The EMVCo Contactless Symbol and Contactless Indicator, consisting of four graduating arcs, are trademarks owned by and used with permission of EMVCo, LLC.

Capital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners.

By clicking on some of the links provided, you may be taken to a third-party website that is not hosted by Capital One. In those cases, the owner of the website is responsible for the website content. Their privacy practices and level of security may be different from Capital One’s, so please review their policies.

Capital One Travel bookings include services such as cancel your flight for any reason, price prediction, price watch, price drop protection, and price match guarantee. Additional fees may apply. The availability of these services varies by account, and they may not be available on all bookings. Terms apply. See travel.capitalone.com/terms-of-service/ for details.

15% savings represents the average savings based on price prediction and booking recommendation for flights. Savings may vary. Terms apply.

Premier Collection
Hotels: Premier Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $100 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact hotel directly to confirm qualifying experiences - advance reservations recommended for certain experiences.

In addition to the $100 experience credit, other benefits available to eligible cardholders for Premier Collection hotel bookings include: daily breakfast for two, complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking.

Vacation rentals: Premier Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $100 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences - advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card.

In addition to the $100 experience credit, other benefits available to eligible cardholders for Premier Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking.

Both Hotels and vacation rentals: Premier Collection booking must be made through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer not intended for commercial use unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

Lifestyle Collection
Hotels: Lifestyle Collection hotel experience credit will be applied at checkout by hotel to qualifying charges up to $50 USD or the local currency equivalent. Qualifying charges vary by location, are subject to availability, and must be charged to your room during your eligible stay. Contact the hotel directly to confirm qualifying experiences - Advance reservations recommended for certain experiences.

In addition to the $50 experience credit, other benefits available to eligible cardholders for Lifestyle Collection hotel bookings include complimentary Wi-Fi, and (when available) room upgrades, early check-in and late checkout. Benefits applied per room, per stay. Hotel terms and conditions apply; a minimum number of nights may be required by the hotel for booking.

Vacation rentals: Lifestyle Collection vacation rental experience credit will be applied at time of booking the experience by the host provider to qualifying experience charges up to $50 USD or the local currency equivalent. Experiences must be booked with a Capital One credit card. Qualifying experience credit options vary by location and are subject to availability. Contact the host provider directly to confirm qualifying experiences - advance reservations recommended for certain experiences. For certain properties, the experience credit will be provided in the form of a gift card.

In addition to the $50 experience credit, other benefits available to eligible cardholders for Lifestyle Collection vacation rental bookings include: complimentary Wi-Fi, and (when available) early check-in and late checkout. Benefits applied per stay. Back-to-back bookings of the same property within a 24-hour period will be considered one reservation and are not eligible for double benefits. Host provider terms and conditions apply; a minimum number of nights may be required by the host for booking.

Both hotels and vacation rentals: Lifestyle Collection booking must be made through Capital One Travel in the eligible cardholder’s name, with the cardholder as a member of party traveling, to qualify for benefits. Benefits cannot be redeemed for cash or combined with other offers unless specified. Participating properties and benefits are subject to change. Offer not intended for commercial use unless otherwise permitted. We may disqualify any cardholder from participation and benefits at our sole discretion. Additional terms apply; see travel.capitalone.com/terms-of-service for details.

Capital One Entertainment ticketing platform: To use the Capital One Entertainment ticketing platform experience, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Eligible cards include US-issued, Capital One branded rewards-earning consumer and small business credit cards. Capital One debit cards, private label retail credit cards, and co-brand partner cards are not eligible for the Capital One Entertainment ticketing platform. Capital One online account required; additional terms apply. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.

Capital One Cardholder Pre-sales: Capital One cardholder ticket and event offers are open to Capital One cardholders with an eligible Visa or Mastercard credit card, as well as eligible Capital One debit cards and co-brand partner cards. Capital One private label retail credit cards are not eligible.

The number of tickets you may purchase for an event may be limited. Some events may have age restrictions and some offerings may have an additional cost or be available on a first-come, first-served basis while supplies last. By clicking on the links above, you may be taken to a site maintained by a third-party.

Eligible Quicksilver, QuicksilverOne, Quicksilver Secured, Quicksilver Student, Journey, Capital One Cash, Spark Cash Select, Spark Classic, Spark Cash, Spark Pro, Spark Cash Plus and Spark Business cardholders will earn 5% cash back on Capital One Entertainment purchases. Eligible Venture X, Venture, VentureOne, Capital One Miles, Venture X Business, Spark Miles, Spark Miles Select and Spark Classic Miles cardholders will earn 5 miles per dollar spent on Capital One Entertainment purchases.

The 8% cash back on Capital One Entertainment purchases includes tickets purchased directly through the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor card. The 8% excludes: (i) tickets purchased through Capital One cardholder exclusive pre-sales; (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required.

The 3% grocery earn is limited to purchases made at grocery stores, excluding superstores like Walmart and Target.

Claims of unauthorized use or for $0 Fraud Liability are subject to verification and investigation.

The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder to sign up for CreditWise.

Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you will not be able to access your virtual card until approximately 30 days after account opening, and you may not have access to your full credit line until your physical card is activated. Web access is needed to manage your virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores. Virtual cards are not available for debit cards and some credit cards.

Eligible customers can also use virtual cards through Google Pay or via the Eno browser extension. Virtual cards through Google Pay are currently available in Chrome for desktop computers (Mac, Windows and Linux), Chrome for Android, and via merchant apps running in the Android OS. Additional availability may be added in the future, including Chrome for iOS. The Eno extension is available only for certain web browsers and enrollment is required.

Capital One Shopping is a free browser extension available to Capital One and non-Capital One card customers. Enrollment required. Savings and available coupons vary.

Capital One Shopping Credits are subject to terms and conditions that are available at capitaloneshopping.com and are separate from any rewards you may be earning on a Capital One rewards credit card. Signing up for Capital One Shopping does not enroll you into any credit card rewards program.

The Capital One Online Privacy Policy does not cover the Capital One Shopping Services. The Capital One Shopping Privacy Policy can be found at https://capitaloneshopping.com/our-terms/privacy-policy.

Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.

Amazon.com and the smile logo are trademarks of Amazon.com Inc., or its affiliates.

PayPal Pay with Rewards is available to eligible cardholders with accounts open and in good standing. Visit www.paypal.com/capitalone for additional details. PayPal.com and the PayPal logo are trademarks of PayPal Holdings Inc. or its affiliates. PayPal terms and conditions apply.

Claims of unauthorized use or for $0 Fraud Liability are subject to verification and investigation.

Capital One credit cards: A guide

Explore rewards credit card offers

Capital One travel rewards cards

Capital One dining and entertainment credit cards

Capital One everyday cash back cards

Capital One cards for credit building

Capital One credit cards shared benefits

Capital One credit cards: designed for your lifestyle and goals

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Credit card rewards: What are they and how do they work?

How to get a credit card

Footnotes