Best Credit Cards December 2024

APR: 19.99% - 29.99% (Variable)

One-time bonus of 75,000 miles after spending $4,000 on purchases within the first 3 months.

2X miles on all purchases, every day - no limits.

Get 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

Miles never expire as long as your account is open, with no cap on how many you can earn.

Enjoy up to $120 in credits toward Global Entry or TSA PreCheck®.

Redeem miles for any travel purchase, or book directly through Capital One Travel.

$50 experience credit and other perks when booking hotels or vacation rentals from the Lifestyle Collection.

Transfer miles to over 15 travel loyalty programs for added flexibility.

Get a $200 bonus after spending $500 in the first 3 months.

Earn 3% cash back on dining, entertainment, streaming, and groceries; 1% on other purchases.

Get 8% cash back on Capital One Entertainment purchases.

Earn 5% cash back on hotels and rental cars booked via Capital One Travel.

No rotating categories; unlimited cash back that never expires.

0% intro APR for 15 months on purchases and balance transfers; 19.99% - 29.99% variable APR after.

No foreign transaction or annual fees.

APR: 19.99%-29.99% Variable APR

$200 bonus after spending $500 in the first 3 months.

0% intro APR for 15 months on purchases and balance transfers; 19.99% - 29.99% variable APR after.

1.5% cash back on all purchases.

0% foreign transaction fee

No annual fee

5% cash back on hotels and rental cars booked via Capital One Travel.

No categories or sign-ups; unlimited cash back that never expires.

APR: 19.99%-29.99%

Earn $50 when you spend $100 in the first three months.

1.5% unlimited cash back on purchases.

5% cash back on hotels and rental cars booked through Capital One Travel

No annual fee.

No foreign transaction fee.

Student exclusive card, average credit required.

APR: 19.99% - 29.99% (Variable)

0% intro APR for 15 months on purchases and balance transfers; 19.99% - 29.99% variable APR after.

Get 20,000 miles after spending $500 in the first 3 months, equal to $200 in travel.

No annual or foreign transaction fees.

Earn 1.25X miles on all purchases.

Earn 5X miles on hotels and rental cars booked via Capital One Travel.

Miles never expire and have no earning limit.

Redeem miles for any travel purchase or book through Capital One Travel.

Transfer miles to 15+ travel loyalty programs.

APR: 19.99%-29.99% Variable

Student credit card with no annual or foreign transaction fee.

$50 bonus after spending $100 in the first 3 months.

3% cash back on dining, entertainment, streaming, and groceries (restrictions apply); 1% on other purchases.

5% cash back on hotels and rental cars booked via Capital One Travel.

8% cash back on entertainment booked via Capital One Entertainment.

Refer friends and earn up to $500 annually.

APR: 29.99% (Variable)

$39 annual fee

For consumers with average, fair, or limited credit.

Unlimited 1.5% cashback.

0% APR / Pay-in-full card

2% unlimited cashback on all purchases.

5% unlimited cashback on hotels/rental cars through Capital One Travel.

$2,000 intro cashback welcome offer.

$2,000 for every $500,000 spent in 1st year.

Annual fee refunded every year you spend $150,000+.

Purchase APR: 26.24% (Variable)

Balance transfer APR: 26.24% (Variable)

Cash advance APR: 32.24% (Variable)

Penalty APR: 34.65% (Variable)

No fee for the first year, $95/year thereafter.

50,000 miles bonus introductory offer

2 miles for every dollar spent.

5 miles per dollar spent on accommodations and rental cars through Capital One Travel

Transfer miles to any of the 15+ travel partners or redeem for flights, hotels, and ride-sharing services

$120 yearly credit for Global Entry or TSA PreCheck®.

APR: 18.24%-29.24% variable

20,000 bonus points welcome offer.

Earn 1x-5x points on purchases depending on the category.

No annual fee for first year, $95 thereafter.

0% intro APR on balance transfers for first 12 billing cycles.

No foreign transaction fee.

Other travel related benefits.

APR: 0% intro APR for 12 billing cycles (purchases & balance transfers).

Standard APR: 18.24%-29.24% (variable).

Cash Advance APR: 32.24% (variable).

20,000 bonus points welcome offer.

No annual fee.

4X points on dining, takeout, and restaurant delivery.

2X points on grocery, gas, and streaming services. (conditions may apply)

Donate points to charity and U.S. Bank will match your contribution.

0% APR for 21 billing cycles on purchases and balance transfers.

Standard APR: 18.74%-29.74% (variable)

Cash Advance APR: 32.24% (variable)

No annual fee

Balance transfer fee: 3% of the amount of each transfer or $5 minimum, whichever is greater, for transfers within 60 days of opening an account.

3% foreign transaction fee.

No annual fee.

0% intro APR for 15 billing cycles on purchases and balance transfers

APR: 19.49%-29.74% (variable)

Cash Advance APR: 32.24% (variable)

$200 rewards bonus: Spend $1,000 in eligible purchases within the first 90 days.

Choose your own bonus cashback categories.

Cashback range of 1%-5%

3% foreign transaction fee

APR: 29.99% variable

Unlimited 1.5% cash back on every purchase

$200 minimum refundable deposit.

No annual fee

$500 bonus when you spend $4,500 in the first 3 months.

No annual fee.

APR: 18.49% - 24.49% (variable)

Balance transfer APR: 18.49% - 24.49% (variable)

Cash advance APR: 32.24% (variable)

Penalty APR: 34.65% (variable)

Unlimited 1.5% cash back on every purchase,

5% cash back on hotels and rental cars booked through Capital One Travel.

Free employee cards.

APR: 29.99% variable (for purchases, balance transfer, and cash advances).

No annual fee.

$49, $99, or $200 minimum deposit (refundable).

Automatic credit line review after 6 months.

No foreign transaction fees.

Reports to all three major credit bureaus.

$0 fraud liability.

APR: 29.99% (variable)

No annual fee.

No foreign transaction fees.

Higher line of credit possible after 6 months.

Credit score monitoring with CreditWise

This card helps build and establish credit.

$0 Fraud Liability - not responsible for unauthorized charges.

Choose your monthly due date.

50% off handcrafted beverages at any Capital One Café.

APR: 19.99% - 29.99% (variable)

75,000 miles intro offer.

$395 annual fee.

2 miles/dollar on every purchase.

5 miles/dollar on flights/vacation rentals booked through Capital One Travel.

10 miles/dollar on hotels/rental cars booked through Capital One Travel.

$300 annual Capital One Travel credit.

10,000 yearly bonus miles.

Unlimited access for cardholder and 2 guests to Capital One and partner lounges.

Up to $120 Global Entry or TSA PreCheck® credit.