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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $284
- First-Year Value Estimate
- $985
- Net Value
- +$189
Card type: PersonalForeign transaction fee: NoneCurrency: Capital One Miles
Earning Structure
5XActivities booked through Capital One Travel7.2%
5XCapital One Entertainment purchases7.2%
5XHotels booked through Capital One Travel7.2%
5XRental cars booked through Capital One Travel7.2%
5XVacation rentals booked through Capital One Travel7.2%
2XAll other purchases2.9%
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)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Elite Status (1)
- Hertz Gold Plus Rewards: Five Star
Protections (7)
- Travel Accident Insurance — Up to $500,000 coverage for accidental death or dismemberment when traveling by common carrier
- Lost Luggage Reimbursement — up to $1,500 — Up to $1,500 per incident for lost, stolen, or damaged luggage (max 2 claims per 12 months)
- Trip Cancellation/Interruption Insurance — up to $1,500 — Coverage up to $1,500 per trip for prepaid, non-refundable travel expenses
- Baggage Delay Insurance — Up to $300 for emergency purchases when baggage is delayed 6+ hours
- Purchase Protection — up to $1,000 — 90-day coverage for damage/theft, up to $1,000 per item and $25,000 per cardholder
- Extended Warranty — up to $10,000 — Doubles the manufacturer's warranty up to 24 months additional, for original warranties of 24 months or less. Max $10,000 per claim, $50,000 per cardholder.
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for collision damage and theft on eligible vehicle rentals
Other Perks
- Transfer miles to 18+ airline and hotel partners (18 airlines, 4 hotels)
- Lifestyle Collection hotel benefits ($50 experience credit, room upgrades when available, early check-in, late checkout, complimentary Wi-Fi)
- Fourth night free at Lifestyle Collection hotels booked through Capital One Travel (book 4+ consecutive nights)
- Capital One Entertainment access (presale tickets, exclusive experiences for music, sports, dining)
- Note: Complimentary Capital One Lounge/Priority Pass access removed in 2025 - can still access at $45/visit
