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 with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

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

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint

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 with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

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

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint

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 with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

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

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint