Network

Key Benefits

Pros

• +No annual fee with competitive 3% cash back on popular categories
• +3% back on dining, groceries, entertainment, and streaming services
• +8% cash back on Capital One Entertainment ticket purchases
• +5% cash back on hotels and car rentals via Capital One Travel
• +0% intro APR for 12 months on purchases and balance transfers

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

Cons

• −Grocery exclusions for Walmart, Target, and warehouse clubs
• −1% base rate on non-bonus categories is below average
• −$200 welcome bonus is modest compared to travel cards
• −No travel benefits or lounge access
• −Cash back rewards not transferable to airline partners

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

Network

Key Benefits

Pros

• +No annual fee with competitive 3% cash back on popular categories
• +3% back on dining, groceries, entertainment, and streaming services
• +8% cash back on Capital One Entertainment ticket purchases
• +5% cash back on hotels and car rentals via Capital One Travel
• +0% intro APR for 12 months on purchases and balance transfers

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

Cons

• −Grocery exclusions for Walmart, Target, and warehouse clubs
• −1% base rate on non-bonus categories is below average
• −$200 welcome bonus is modest compared to travel cards
• −No travel benefits or lounge access
• −Cash back rewards not transferable to airline partners

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

Network

Key Benefits

Pros

• +No annual fee with competitive 3% cash back on popular categories
• +3% back on dining, groceries, entertainment, and streaming services
• +8% cash back on Capital One Entertainment ticket purchases
• +5% cash back on hotels and car rentals via Capital One Travel
• +0% intro APR for 12 months on purchases and balance transfers

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

Cons

• −Grocery exclusions for Walmart, Target, and warehouse clubs
• −1% base rate on non-bonus categories is below average
• −$200 welcome bonus is modest compared to travel cards
• −No travel benefits or lounge access
• −Cash back rewards not transferable to airline partners

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions