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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $224
- First-Year Value Estimate
- $1,110
- Net Value
- +$129
Card type: BusinessForeign transaction fee: NoneCurrency: Capital One Miles
Sign-up Bonus
Limited Time Offer: $1K bonus cashback + $250 Capital One Business Travel credit after $10K spend in the first 3 months from account opening(Offer Expires 9/7/2026), $0 introductory annual fee for the first year
Am I eligible?Earning Structure
5%Hotels booked through Capital One Travel5%
5%Rental cars booked through Capital One Travel5%
2%All other purchases2%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Protections (6)
- Travel Accident Insurance — Coverage up to $250,000 for accidental death or dismemberment when traveling on a common carrier with fare charged to the card
- Lost Luggage Reimbursement — Covers checked or carry-on luggage up to $3,000 if lost or stolen when common carrier ticket is charged to the card
- Extended Warranty — up to $10,000 — Doubles the original manufacturer's warranty up to 1 additional year on warranties of 3 years or less
- Purchase Protection — up to $10,000 — Covers repair, replacement, or reimbursement for eligible items for 90 days from purchase in the event of theft or damage, up to $10,000 per claim
- Auto Rental Collision Damage Waiver (primary) — Primary coverage for business rentals, secondary for personal rentals. Covers collision damage and theft up to the actual cash value of the rental vehicle.
- Cell Phone Protection — Up to $800 per claim with $100 deductible for cell phone damage or theft when monthly bill is paid with card. Max 2 claims per year.
Other Perks
- Free employee cards with customizable spending limits
- Roadside dispatch services (jump-starts, tire changes, towing)
- Cash back never expires for life of account
- Travel and emergency assistance services for medical, legal, and travel coordination while away from home
- Visa Signature Concierge service available 24/7
