Best Categories for This Card
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Card Travel Portals | 5x | Ongoing | — | 9.25% |
| Capital One TravelMerchant | 5x | Ongoing | — | 9.25% |
Everywhere else | 2x | Ongoing | — | 3.70% |
Card details
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
- What a point is worth
- 1.00¢ as cash · up to 1.85¢ via transfer partners
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Capital One’s official page for the most up-to-date terms straight from the issuer.
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