Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +3x points on travel purchases (per RewardsCC API)
• +4x points on airlines and hotels (competitive rates)
• +Priority Pass Select lounge membership included
• +$100 Global Entry/TSA PreCheck credit every 5 years
• +No foreign transaction fees

Cons

• −$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

• −$95 annual fee (not waived first year)
• −Only 1x on non-travel purchases
• −Points value is 1 cent each (no transfer partner premium)
• −Trip delay reimbursement limits may be lower than premium cards
• −Less brand recognition than major bank travel cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +3x points on travel purchases (per RewardsCC API)
• +4x points on airlines and hotels (competitive rates)
• +Priority Pass Select lounge membership included
• +$100 Global Entry/TSA PreCheck credit every 5 years
• +No foreign transaction fees

Cons

• −$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

• −$95 annual fee (not waived first year)
• −Only 1x on non-travel purchases
• −Points value is 1 cent each (no transfer partner premium)
• −Trip delay reimbursement limits may be lower than premium cards
• −Less brand recognition than major bank travel cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +3x points on travel purchases (per RewardsCC API)
• +4x points on airlines and hotels (competitive rates)
• +Priority Pass Select lounge membership included
• +$100 Global Entry/TSA PreCheck credit every 5 years
• +No foreign transaction fees

Cons

• −$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

• −$95 annual fee (not waived first year)
• −Only 1x on non-travel purchases
• −Points value is 1 cent each (no transfer partner premium)
• −Trip delay reimbursement limits may be lower than premium cards
• −Less brand recognition than major bank travel cards