Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

• +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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

• −$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

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

• +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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

• −$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

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

• +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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

• −$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