Annual Fee
$0
Welcome offer
No current welcome offer
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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Rewards
All Spending
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
¢/ point
0.50¢3¢
Points Earned
30,000
Cash Back/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$300
incl. welcome bonus
Breakdown
Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1x
Total points earned30,000 pts
Value of points accumulated in the first year≈ $300
Additional Benefits
Exclusive CLUB perks: in-store events, extra point offerings and discounts, exclusive CLUB Member pricing and giveaways. CLUB Members get exclusive access to hunting and fishing experiences around the world. Tiered earning: Classic 2% points back with no annual spend requirement, Silver 3% with $10,000 annual spend, Black 5% with $25,000 annual spend. CLUB Points never expire for open accounts, with no limit on how many you can earn, and are redeemable for purchases at Bass Pro Shops and Cabela's. Card management, virtual card access, card lock, AutoPay and rewards tracking in the Capital One Mobile app.
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