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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $95
- First-Year Value Estimate
- $100
- Net Value
- +$95
Card type: PersonalForeign transaction fee: NoneCurrency: Cash Back
Sign-up Bonus
$100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. + First Year Double
Am I eligible?Earning Structure
5%Drug stores (July to September 2026) up to $1.5K total spend per quarter. Requires activation.5%
5%Gas stations (July to September 2026) up to $1.5K total spend per quarter. Requires activation.5%
5%Hotels, vacation rentals, rental cars, and activities booked through Capital One Travel5%
5%Tickets and events booked through Capital One Entertainment5%
5%Transportation (July to September 2026) up to $1.5K total spend per quarter. Requires activation.5%
1%All other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Is this the best card for Drug stores (July to September 2026) up to $1.5K total spend per quarter. Requires activation.?Is this the best card for Gas stations (July to September 2026) up to $1.5K total spend per quarter. Requires activation.?Is this the best card for Hotels, vacation rentals, rental cars, and activities booked through Capital One Travel?
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.
Other Perks
- Cashback Match: Unlimited dollar-for-dollar match of all cash back earned at the end of the first year
- 0% intro APR for 15 months on purchases and balance transfers
- Free FICO Credit Score access
- $0 Fraud Liability Guarantee
- Free Social Security number dark web alerts
- Online Privacy Protection: Scans people-search sites every 90 days and submits opt-out requests to remove your personal information
- Account Freeze: Instantly disable purchases and cash advances via mobile app if card is lost
- Capital One Offers access
- Gift-card rewards redemptions have a $25 minimum and retain at least 5% added value
- Automatic statement-credit redemptions are available after re-enrollment following the Capital One migration
- Rewards can no longer be redeemed toward the minimum payment after the Capital One migration
- Pay with Rewards with Apple Pay is unavailable after the Capital One migration