Annual Fee
$0
Welcome offer
No current welcome offer
No time to apply right now?
Get this offer by email and pick up where you left off, whenever suits you.
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¢3¢
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
$0 annual fee. Rewards do not expire for the life of the account and you can redeem cash back for any amount. Redeem for cash, cover a recent purchase or get gift cards. No foreign transaction fees on purchases made outside of the United States.
Terms & Conditions
Card Features
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- $0 Fraud Liability for unauthorized charges
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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.