Rewards rates

3%

3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services

5%

5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel

8%

8% Cash Back on Capital One Entertainment purchases

1%

1% Cash Back on all other purchases

Introductory purchases APR

N/A

Ongoing purchases APR

29.24% (Variable)

Introductory balance transfer APR

N/A

Ongoing balance transfer APR

29.24% (Variable)

Ongoing cash advance APR

29.24% (Variable)

Ongoing penalty APR

None

Annual fee

$39

Recommended credit

Average, Fair, Limited

More details

• Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
• No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
• Be automatically considered for a higher credit line in as little as 6 months
• Help strengthen your credit for the future with responsible card usage
• Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
• Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
• Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
• Top rated mobile app