Earn 75,000 Capital One miles when you spend $4,000 in the first 3 months from account opening.
- 5x miles on hotels and rental cars booked through Capital One Travel
- 2x miles on every purchase with no categories to track
- TSA PreCheck or Global Entry statement credit
- Access to Capital One's 15+ transfer partners
- Primary rental car coverage, lost luggage reimbursement, trip delay reimbursement
- No foreign transaction fees
This is an excellent card for anyone just getting into points and miles. The welcome offer is worth at least $1,000 in travel when you factor in the $250 travel credit, and the flat 2x on everything means you never have to think about which card to use for what. Start with this card before the Capital One Venture X Rewards Credit Card. They have to be opened in order if you want to be eligible for both bonuses. This is also a great card to diversify your points beyond Chase or Amex.
Earn 75,000 Capital One miles after you spend $4,000 on purchases in the first 3 months from account opening.
- $300 annual travel credit for bookings through Capital One Travel
- Airport lounge access for the primary cardholder at Capital One Lounges and Priority Pass
- 10,000-mile anniversary bonus every year
- TSA PreCheck or Global Entry statement credit
- Access to Capital One's 15+ transfer partners
- Primary rental car coverage, trip delay, lost luggage, and more
- No foreign transaction fees
This is hands down one of the best premium cards on the market, and it has the lowest annual fee of any premium card! The $300 travel credit brings the effective cost down to $95, which is incredible for everything you get. Note that as of February 2026 the lounge access changes mean guests now pay a fee, so factor that in if lounge access for your family is a priority.
Earn 75,000 miles after you spend $7,500 in the first 3 months from account opening, plus an additional 75,000 miles after you spend $30,000 in the first 6 months, up to 150,000 bonus miles total.
- $50 annual travel credit for bookings through Capital One Travel
- Up to $50 annual statement credit for qualifying advertising or software merchant purchases
- Up to $120 credit for Global Entry or TSA PreCheck every four years
- Discounted lounge access at Capital One Lounges and Landing Lounges ($45/day)
- Hertz Five Star® status upon enrollment
- Extended warranty protection on eligible purchases
- No foreign transaction fees
This is a brand new card that just launched, replacing the old Spark Miles for Business, and it's an excellent offer. If you want to boost your Capital One miles stash, this is a great way to do it. This is the business version of the personal Capital One Venture Rewards Credit Card. The welcome offer is two-tiered — the first 75,000 miles is very achievable at $7,500 in three months, and the second tier is for higher spenders, but still manageable for many people. If you can meet the higher spending tier, you'll end up with 210,000 miles! Plus the $220 in annual credits makes the small $95 fee very easy to justify. This card won't count toward your 5/24 number. There are also no family rules with this card which is nice!
Earn 20,000 miles once you spend $500 on purchases within 3 months from account opening.
- 0% intro APR on purchases for 15 months, then 18.49%–28.49% variable APR
- 0% intro APR on balance transfers for 15 months, then 18.49%–28.49% variable APR (balance transfer fee applies)
- Transfer miles to 15+ airline and hotel loyalty programs
- No annual fee
- No foreign transaction fees
This is the no-fee version of the Venture card, and the main reason to open it is the welcome offer — 20,000 miles for just $500 in spending in the first 3 months is one of the easiest welcome offers to earn out there. The ongoing earning rate of 1.25x isn't exciting compared to other cards, but it's better than just 1x, and the 0% intro APR is a nice perk if you have a big purchase coming up. I'd mainly recommend this one for people who are just getting started with Capital One Miles and want to dip their toes in without paying an annual fee. If you're already comfortable with the program, the Venture or Venture X will serve you better long-term.
Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening. If you also have a miles-earning card, this bonus can be combined and turned into 100,000 miles.
- Unlimited 2% cash back on every purchase with no category restrictions
- $0 intro annual fee for the first year, then $95
- Free employee cards with the ability to set individual spending limits
- No foreign transaction fees
This is a great card for business owners who want maximum simplicity. Flat 2% back on everything with no categories to track, no quarterly activations, no thinking required. The welcome offer of $1,000 cash back is solid, and even better if you have a card that earns Capital One Miles. In this case, you can combine your cash back into flexible miles. The first-year annual fee waiver means you can earn the bonus and evaluate the card before deciding whether to keep it. If you spend regularly on your business and value straightforward cash back over travel rewards, this is a top pick. It's also a business card, so it won't count toward your 5/24 number.
Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months from account opening. Plus, earn an additional $2,000 cash bonus for every $500,000 spent during the first year.
- Unlimited 2% cash back on every purchase with no category restrictions or spending caps
- Annual fee refunded every year you spend $150,000 or more, making it effectively free for high spenders
- No preset spending limit, so your spending power adapts to your business needs, payment history, and credit profile
- Charge card structure — the balance must be paid in full each month (no revolving balance)
- Free employee cards with individual spending limits
- Does not count toward Chase's 5/24 rule
- No foreign transaction fees
This card is built for businesses that spend big. The no preset spending limit is the main draw. If you have months with large inventory purchases, advertising spends, or vendor payments, this card can flex to accommodate that without hitting a credit ceiling. The $2,000 welcome bonus requires $30,000 in spending in 3 months, which is a high bar, but very achievable for the right business. And if you spend $150,000 in a year, the $150 annual fee gets refunded entirely. One important thing to note: this is a charge card, meaning you must pay the balance in full every month. There's no option to carry a balance. If that works for your business, the rewards are excellent. If you need the flexibility to carry a balance sometimes, the regular Spark Cash is the better fit.
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.