Best Categories for This Card
4.00%
effective
Dining & Restaurants
4x Key Rewards
Includes fast food
4.00%
effective
Food Delivery
4x Key Rewards
4.00%
effective
Groceries
4x Key Rewards
1.00%
effective
All Other Purchases
1x Key Rewards
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 4x | Ongoing | — | 4.00% |
| Food Delivery | 4x | Ongoing | — | 4.00% |
| Groceries | 4x | Ongoing | — | 4.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Last verified
- Oct 22, 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.
Pairs well with
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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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