Pros & Cons

Pros

  • +No annual fee

Cons

  • No purchase protection

Rewards

All Spending

1.5x

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¢
Groceries1.5x
$700/mo
Gas & EV1.5x
$200/mo
Transit1.5x
$100/mo
Restaurants1.5x
$300/mo
Pharmacy1.5x
$50/mo
Travel1.5x
$150/mo
Bills & recurring payments1.5x
$250/mo
Telecom1.5x
$150/mo
Entertainment & streaming1.5x
$100/mo
Office supplies1.5x
$0/mo
All other spending1.5x
$500/mo

Points Earned

45,000

Cash Back/yr

Estimated Value

$450

After Fees

+$450

1st Year Value

$450

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1.5x12,600 pts
Gas & EV$2,400/yr × 1.5x3,600 pts
Transit$1,200/yr × 1.5x1,800 pts
Restaurants$3,600/yr × 1.5x5,400 pts
Pharmacy$600/yr × 1.5x900 pts
Travel$1,800/yr × 1.5x2,700 pts
Bills & recurring payments$3,000/yr × 1.5x4,500 pts
Telecom$1,800/yr × 1.5x2,700 pts
Entertainment & streaming$1,200/yr × 1.5x1,800 pts
All other spending$6,000/yr × 1.5x9,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.5x
Total points earned45,000 pts
Value of points accumulated in the first year$450

Additional Benefits

Exclusive CLUB perks: in-store events, extra point offerings, CLUB Member-only discounts and giveaways. $0 annual fee to maintain or use the card. Unlimited CLUB Points that never expire for open accounts, redeemable at Bass Pro Shops and Cabela's for gear and experiences. Employee monitoring: free authorized employee cards to track employee spending, set spending limits, and lock or unlock employee cards. Assign an account manager to make purchases and payments, review transactions and resolve potential issues. Card management, card lock and AutoPay in the Capital One Mobile app; pick your own monthly due date. Mastercard Business Assistant: knowledgeable experts available 24x7x365 for your business needs, including local experts who can provide on-site assistance with everyday business needs such as identifying the best location for a client meeting or installing a new printer, a personal profile that tracks your preferences for travel, hotels, dining, entertainment, special occasions and even food allergies, access to unique dining and entertainment venues, a reminder service for the dates and events you cannot afford to miss, and pre-trip planning services providing critical information in advance of your trip including a 10-day weather forecast, travel requirements, city-specific news and conditions, safety and security advisories, a suggested packing list, pre-arranged confirmations for dining and other services, top must-see attractions, and fitness facilities, jogging paths and recreation close to your hotel.

Purchase Protection

Auto Rental Collision (secondary, primary for business rentals, primary abroad)

Included

View the insurance certificate (PDF)

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.