Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
• +10X miles on hotels and rental cars booked through Capital One Travel
• +Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
• +Priority Pass Select membership with 1,300+ lounges worldwide
• +Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −$395 annual fee requires maximizing credits to get value
• −10X earning rate requires booking through Capital One Travel portal
• −Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
• −No airline transfer bonuses unlike some competitors
• −Travel credits only work for Capital One Travel bookings

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
• +10X miles on hotels and rental cars booked through Capital One Travel
• +Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
• +Priority Pass Select membership with 1,300+ lounges worldwide
• +Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −$395 annual fee requires maximizing credits to get value
• −10X earning rate requires booking through Capital One Travel portal
• −Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
• −No airline transfer bonuses unlike some competitors
• −Travel credits only work for Capital One Travel bookings

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
• +10X miles on hotels and rental cars booked through Capital One Travel
• +Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
• +Priority Pass Select membership with 1,300+ lounges worldwide
• +Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −$395 annual fee requires maximizing credits to get value
• −10X earning rate requires booking through Capital One Travel portal
• −Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
• −No airline transfer bonuses unlike some competitors
• −Travel credits only work for Capital One Travel bookings