Pros & Cons

Pros

  • +Welcome Bonus: 100,000 points
  • +Purchase protection included
  • +Travel medical insurance included

Cons

Rewards

All Spending

2x

Capital One Miles pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants2x
$300/mo
Pharmacy2x
$50/mo
Travel2x
$150/mo
Bills & recurring payments2x
$250/mo
Telecom2x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies2x
$0/mo
All other spending2x
$500/mo

Points Earned

60,000

Capital One Miles/yr

Estimated Value

$600

After Fees

+$505

1st Year Value

$1,505

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year2x
Total points earned60,000 pts
Value of points accumulated in the first year$600

Perks & Benefits

Concierge

24/7

NEXUS membership

Included

Travel Credits

Included

NEXUS Credit

$120

Additional Benefits

Annual $50 statement credit for purchases at qualifying advertising or software merchants. Free employee cards with customized spend limits, account managers and virtual cards. Accounts Payable and Expense Management tools. Purchase records downloadable into Quicken, QuickBooks and Excel. $0 fraud liability, security alerts and card lock. Choose your own monthly due date; year-end summaries. Up to a $120 credit for Global Entry or TSA PreCheck every 4 years. Hertz Five Star status: skip the counter at select locations and enjoy a wider selection of rental cars. Lifestyle Collection: premium benefits with every stay, including a $50 experience credit and room upgrades when available, plus 5X miles on hotel stays booked through Capital One Business Travel. Complimentary access to Capital One Business Travel, an all-in-one business travel management solution. No foreign transaction fees. Redeem miles through Capital One Business Travel or as reimbursement for travel expenses made with the card, and transfer miles to 15+ partners. Receive an annual $50 travel credit for bookings through Capital One Business Travel. Lifestyle Collection: $50 experience credit with every stay. Receive up to a $120 credit for Global Entry or TSA PreCheck every 4 years.

Travel Insurance

Travel Medical

Included

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Delayed Baggage

Up to $300

Lost Baggage

Up to $1,500

Travel Accident

Up to $1,000,000

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+1 years

Mobile Device

Up to $800

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

Included

Price protection

Included

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $95

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