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)

• +0% intro APR for 24 billing cycles on purchases and balance transfers
• +No annual fee
• +4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
• +$20 annual statement credit for 11 consecutive months of purchases
• +Cell phone protection up to $600 when paying monthly bill with card

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

• −3% foreign transaction fee makes it poor for international use
• −High variable APR (21.74%-28.74%) after intro period ends
• −No rewards on general purchases outside travel portal
• −Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)
• −Good to Excellent credit required

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)

• +0% intro APR for 24 billing cycles on purchases and balance transfers
• +No annual fee
• +4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
• +$20 annual statement credit for 11 consecutive months of purchases
• +Cell phone protection up to $600 when paying monthly bill with card

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

• −3% foreign transaction fee makes it poor for international use
• −High variable APR (21.74%-28.74%) after intro period ends
• −No rewards on general purchases outside travel portal
• −Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)
• −Good to Excellent credit required

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)

• +0% intro APR for 24 billing cycles on purchases and balance transfers
• +No annual fee
• +4% cash back on prepaid travel (air, hotel, car) through U.S. Bank Travel Center
• +$20 annual statement credit for 11 consecutive months of purchases
• +Cell phone protection up to $600 when paying monthly bill with card

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

• −3% foreign transaction fee makes it poor for international use
• −High variable APR (21.74%-28.74%) after intro period ends
• −No rewards on general purchases outside travel portal
• −Travel rewards require booking through U.S. Bank portal (not direct with airlines/hotels)
• −Good to Excellent credit required