Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

Cons

• −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

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

Cons

• −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

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

Cons

• −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

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks