Pros & Cons

Pros

  • +Welcome Bonus: $200
  • +Up to 3x on groceries
  • +Purchase protection included

Cons

Rewards

All Spending

1x

Cash Back pts per dollar

Groceries

3x

Cash Back pts per dollar

Restaurants

3x

Cash Back pts per dollar

Entertainment

3x

Cash Back pts per dollar

Streaming

3x

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¢
Groceries3x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants3x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming3x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

56,400

Cash Back/yr

Estimated Value

$564

After Fees

+$525

1st Year Value

$527

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 3x10,800 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 × 3x3,600 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 year1.88x
Total points earned56,400 pts
Value of points accumulated in the first year$564

Perks & Benefits

Concierge

24/7

Additional Benefits

Automatic credit line reviews: be automatically considered for a higher credit line in as little as 6 months. CreditWise from Capital One: unlimited access to your credit score and tools to monitor your credit profile, free and available to anyone. Fraud coverage: $0 fraud liability for unauthorized charges if your card is ever lost or stolen. Tap-to-pay convenience with your contactless card. Rewards do not expire for the life of the account; redeem any amount as a statement credit, a check, gift cards or to cover a recent purchase. Concierge Services: assistance with travel and restaurant reservations, gift arrangements, event tickets, business services and more, 24 hours a day, seven days a week; the costs for goods or services purchased through Concierge Services are the cardholder's responsibility. Travel and Emergency Assistance Services: available 24 hours a day, 365 days a year to connect you with the appropriate local emergency and assistance resources, including emergency message service, emergency ticket replacement, lost luggage locator and emergency translation — these services provide assistance and referral only, and you are responsible for the cost of any actual medical, legal, transportation, cash advance or other services or goods provided.

Travel Insurance

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Delayed Baggage

Up to $300

Lost Baggage

Up to $3,000

Travel Accident

Up to $1,000,000

Purchase Protection

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary, primary abroad)

Included

Price protection

Included

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $39

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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.