Best Capital One Rewards Credit Cards - October 2026

• Earn 75,000 miles after $4,000 in purchases within three months of account opening.
• Receive a one-time $300 Capital One Travel Stays credit for hotels and vacation rentals through the portal; it expires one year after account opening. Credit-funded amounts do not earn rewards.
• Earn 2 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
• Annual fee: $95. No foreign transaction fees. Variable purchase APR: 19.74% to 28.74%.
• The new-cardmember bonus is unavailable if you received a Venture or Venture X new-cardmember bonus in the past 48 months. The account must be open and in good standing to use the credit; terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

• 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 locations and 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

Eligibility and lounge guests

You are not eligible for this welcome bonus if you received a new-cardholder bonus for Capital One Venture X in the past 48 months. Primary-cardholder lounge access does not provide complimentary guests by default. Guests cost $45 at age 18+, $25 at ages 2–17 and are free under age 2 at Capital One Lounges and Landings; Priority Pass guests cost $35 per visit. With $75,000 in eligible calendar-year spending, up to 2 Capital One Lounge guests and 1 Landing guest per visit may qualify for complimentary access. This exception excludes Priority Pass. Additional-cardholder lounge access costs $125 annually.

Purchase APR

The variable purchase APR is 19.74% to 28.74%, depending on creditworthiness and the issuer’s terms. It varies with the U.S. Prime Rate. This is not an introductory 0% rate.

Sources checked October 25, 2026: Venture X offer and terms, Capital One bonus eligibility, Capital One lounge terms, Global Entry and TSA PreCheck credit.

• Limited-time offer: up to 300,000 miles and a $1,000 Capital One Business Travel credit.
• Within the first four months: earn 150,000 miles after $40,000 in purchases, then another 150,000 miles and the $1,000 credit after $120,000 in cumulative purchases.
• The $1,000 welcome credit posts within two billing cycles and expires 16 months after account opening. Apply it at checkout through Capital One Business Travel.
• Receive a separate $300 annual Capital One Business Travel credit, expiring the day before the next account anniversary at 11:59 p.m. ET, and 10,000 miles after each anniversary. Credit-funded amounts do not earn rewards.
• Earn 2 miles per dollar on purchases; earn 10 miles on hotels and rental cars and 5 miles on flights and vacation rentals booked through Capital One Business Travel.
• Annual fee: $395. No foreign transaction fees. Designed to be paid in full, with an option to carry part of the balance with interest under the account agreement.
• The bonus may not be available to existing or previous Capital One Business cardholders. Start the application from this offer’s page. The account must be open and in good standing for the credits; terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

• Earn 100,000 miles after $10,000 in purchases within three months of account opening.
• Earn 2 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
• Annual fee: $95. No foreign transaction fees. Variable purchase APR: 24.74%.
• The bonus may not be available to existing or previous Capital One Business cardholders. Issuer eligibility rules and terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

• Earn 50,000 miles after $4,500 in purchases within three months of account opening.
• Earn 1.5 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
• No annual fee or foreign transaction fees. Variable purchase APR: 16.99% to 22.99%, based on creditworthiness.
• The bonus may not be available to existing or previous Capital One Business cardholders. Apply through the issuer’s offer page; terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

• Earn 20,000 miles after $500 in purchases within three months of account opening.
• Earn 1.25 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
• No annual fee or foreign transaction fees.
• 0% introductory APR for 15 months on purchases and balance transfers, followed by a variable APR of 18.74% to 28.74%. Balance transfer fees apply.
• The new-cardmember bonus is unavailable if you received a VentureOne, Venture or Venture X new-cardmember bonus in the past 48 months. Issuer eligibility rules and terms apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.

• This version offers no new-cardmember bonus or 0% introductory APR.
• Earn 1.25 miles per dollar on purchases and 5 miles on hotels, vacation rentals and rental cars booked through Capital One Travel.
• No annual fee or foreign transaction fees.
• Variable purchase APR: 29.24%.
• Check Capital One’s eligibility criteria for VentureOne Rewards for Good Credit. Offers for the other VentureOne version do not automatically apply.

Source checked October 25, 2026: Capital One offer, benefits and terms. Amounts are in U.S. dollars.