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Card Economics
- Annual Fee
- $150
- Ongoing Annual Value
- $77
- First-Year Value Estimate
- $1,960
- Net Value
- −$73
Card type: BusinessForeign transaction fee: NoneCurrency: Capital One Miles
Sign-up Bonus
Limited Time Offer: a $2K cash bonus + $500 Capital One Business Travel credit when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.(Offer Expires 9/7/2026) + Cash Back
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?Credits & Perks (1)
- Annual Fee Refund: $150 (Annual Cardmember Year)
Refund of the annual fee with $150K spend annually
Protections (3)
- Extended Warranty — up to $10,000 — Lengthens the original manufacturer's warranty by up to 1 extra year for warranties of 3 years or less. Maximum coverage amount per item is $10,000. Maximum coverage amount per year is $50,000.
- Purchase Protection — up to $10,000 — 90-day coverage for damage/theft, up to $10,000 per claim and $50,000 per cardholder
- Auto Rental Collision Damage Waiver (secondary) — Coverage for collision damage and theft on eligible vehicle rentals
Other Perks
- No preset spending limit - adapts to spending behavior and credit profile
- Balance due in full each month (charge card)
- Free employee cards with customizable spending limits
- Roadside dispatch services
- Cash back never expires for life of account
