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 every purchase with no category limits
• +No annual fee
• +$200 welcome bonus after just $500 spend in 3 months
• +0% intro APR for 12 months on purchases and balance transfers
• +Cell phone protection up to $600 per claim when paying bill with card

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

• −3% foreign transaction fee makes it poor for international use
• −No bonus categories - heavy dining/travel spenders earn less than category cards
• −Points have no transfer partners (cash back only)
• −Requires good to excellent credit
• −Penalty APR of 29.99% for late payments

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 every purchase with no category limits
• +No annual fee
• +$200 welcome bonus after just $500 spend in 3 months
• +0% intro APR for 12 months on purchases and balance transfers
• +Cell phone protection up to $600 per claim when paying bill with card

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

• −3% foreign transaction fee makes it poor for international use
• −No bonus categories - heavy dining/travel spenders earn less than category cards
• −Points have no transfer partners (cash back only)
• −Requires good to excellent credit
• −Penalty APR of 29.99% for late payments

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 every purchase with no category limits
• +No annual fee
• +$200 welcome bonus after just $500 spend in 3 months
• +0% intro APR for 12 months on purchases and balance transfers
• +Cell phone protection up to $600 per claim when paying bill with card

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

• −3% foreign transaction fee makes it poor for international use
• −No bonus categories - heavy dining/travel spenders earn less than category cards
• −Points have no transfer partners (cash back only)
• −Requires good to excellent credit
• −Penalty APR of 29.99% for late payments