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Card Economics
- Annual Fee
- $39
- Ongoing Annual Value
- $320
- First-Year Value Estimate
- −$39
- Net Value
- +$281
Card type: PersonalForeign transaction fee: NoneCurrency: Capital One Miles
Earning Structure
8XCapital One Entertainment purchases11.6%
5XHotels booked through Capital One Travel7.2%
5XRental cars booked through Capital One Travel7.2%
5XVacation rentals booked through Capital One Travel7.2%
3XDining4.3%
3XEntertainment4.3%
3XGrocery stores (excluding superstores like Walmart and Target)4.3%
3XSelect streaming services4.3%
1XEverything else1.4%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Worth it for me?Protections (10)
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 against accidental loss of life, limb, sight, speech, or hearing while riding as a passenger on a licensed common carrier, when the fare is charged to the card.
- Baggage Delay Insurance — up to $300 — Up to $100 per day for a maximum of 3 days ($300 total) for essential items when checked baggage is delayed more than 4 hours.
- Trip Cancellation/Interruption Insurance — up to $1,500 — Up to $1,500 per insured person for non-refundable common carrier tickets charged to the card.
- Lost Luggage Reimbursement — up to $3,000 — Up to $3,000 per trip for checked or carry-on baggage lost, stolen, or misdirected by the common carrier ($2,000 per bag for New York residents).
- Travel and Emergency Assistance — 24/7 referral assistance for medical, legal, and travel emergencies while away from home. Cardholder is responsible for the cost of services used.
- Purchase Protection — up to $1,000 — Covers damage or theft of eligible new purchases for 90 days, up to $1,000 per claim and $25,000 per 12 months.
- Extended Warranty — Doubles the manufacturer's warranty by up to 12 additional months, for original warranties of 2 years or less. Max $10,000 per claim and $50,000 per cardholder.
- Price Protection — up to $250 — Reimburses the difference if an identical item is advertised for less within 120 days of purchase, up to $250 per item and $1,000 per year.
- Auto Rental Collision Damage Waiver (secondary) — Reimburses theft or collision damage up to the actual cash value of most rented cars, for rental periods up to 31 consecutive days. Secondary in your country of residence; primary when renting abroad.
- Identity Theft Protection — up to $1,000 — Personal Identity Theft coverage up to $1,000 for covered expenses, plus Comprehensive Identity Solutions monitoring and restoration support (enrollment required).
Other Perks
- 24/7 Concierge Services for travel, dining, and event assistance