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Card Economics
- Annual Fee
- $395
- Ongoing Annual Value
- $651
- First-Year Value Estimate
- $950
- Net Value
- +$256
Card type: PersonalForeign transaction fee: NoneCurrency: Capital One Miles
Earning Structure
10XHotels booked through Capital One Travel14.5%
10XRental cars booked through Capital One Travel14.5%
5XActivities booked through Capital One Travel7.2%
5XCapital One Entertainment purchases7.2%
5XFlights 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 (2)
- Capital One Travel: $300 (Annual Cardmember Year)
Annual credit for bookings made through Capital One Travel. Credit expires on next account anniversary and can be used in full or in part over multiple purchases.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (2)
- Priority Pass Select (Unlimited) — paid guests allowed
- Capital One Lounges (Unlimited) — paid guests allowed
Elite Status (1)
- Hertz Gold Plus Rewards: President's Circle
Protections (9)
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 door-to-door travel accident coverage. Pay for the entire common carrier fare with your card to be eligible for this benefit.
- Trip Cancellation/Interruption — up to $2,000 — Up to $2,000 per person for nonrefundable tickets. Pay for the entire fare with your card to be eligible for this benefit.
- Trip Delay — up to $500 — Up to $500 per ticket for delays over 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip. Pay for a portion of the covered trip with your card to be eligible for this benefit.
- Purchase Protection — up to $10,000 — 90 days coverage for damage/theft of eligible purchases
- Extended Warranty — up to $10,000 — 1 additional year for warranties of 3 years or less, up to $10,000 per claim and $50,000 per account
- Return Protection — up to $300 — 90 days return protection when retailer won't accept return, up to $300 per item and $1,000 per year
- Auto Rental Collision Damage Waiver (primary) — Primary coverage for collision damage and theft. Pay for the full cost on your card to be eligible for this benefit. Coverage is not available in Israel, Jamaica, the Republic of Ireland, Northern Ireland.
- Cell Phone Protection — up to $800 — Up to $800 reimbursement with $50 deductible, twice per 12 months. Excludes damage that doesn’t interfere with calls.
Other Perks
- 10K bonus miles each year starting at first anniversary
- Premier Collection: $100 experience credit, daily breakfast for two, room upgrades when available, early check-in/late checkout, and complimentary Wi-Fi on hotel and vacation rental bookings through Capital One Travel
- Transfer miles to 18+ airline and hotel partners (22 total)
- Capital One Entertainment access (presale tickets, exclusive experiences for music, sports, dining)
