Rated 4/5.0 stars by our editorial team
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4/5.0 from 0 Offer Ratings
Over the Past 60 Days!
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on Capital One's secure site
SIGN-UP BONUS
Earn $50 Cash Back when you spend $100 in the first three months
REWARDS RATE
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
No Rotating Categories
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Regular Purchase APR
18.99% - 28.99% (Variable) on purchases
Annual Fee
$0
Card Brand
Mastercard®
Recommended Credit Score
Limited / FairHighlights
None
Balance Transfer Fee applies to balances transferred at a promotional rate
From the LendingTree editorial team, updated on Oct 21, 2025
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The Good
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The Bottom Line
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Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.