Best Categories for This Card
Card Travel Portals
5x hotels, vacation rentals & rental cars booked through Capital One Travel
Capital One Travel
5x hotels, vacation rentals & rental cars booked through Capital One Travel
All Other Purchases
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
- Network
- Visa
- 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
- Last verified
- Oct 11, 2026
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.
Downgrade options: Capital One VentureOne Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Capital One Savor Cash Rewards Credit Card — a product change keeps your account history if this card stops earning its fee.
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.
View on Capital One’s siteThis link opens Capital One’s website in a new tab. PayWithThis is not affiliated with Capital One and receives no compensation for this link.