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)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

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

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% 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)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

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

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% 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)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

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

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards