Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$0
✓
Pros
- ✓Purchase protection included
- ✓No annual fee
✗
Cons
- ✗Foreign Transaction Fee (2.5%)
Rewards
All Spending
0x
pts per dollar
Travel Insurance
✓
Delayed Baggage
Up to $300
✓
Travel Accident
Up to $250,000
Purchase Protection
✓
Purchase Protection
Included
✓
Extended Warranty
+2 year(s)
✓
Auto Rental
Up to $65,000 / 31 days
Interest Rates
- Purchase Rate21.9%
- Cash Advance21.9%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- Annual interest rate of 21.9% – 29.9% on purchases, balance transfers and cash advances
- 5 points per $1 paid towards your balance with a Capital One Smart Rewards Mastercard
- Points will never expire and they’re easy to redeem
- Protection against unauthorized use of your card
- Add an authorized user for $0
- Valuable Mastercard benefits, plus Everyday and Travel benefits like Purchase Assurance and Extended Warranty
- 24/7 customer service
Legal
*Conditions apply.
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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. Ratesopedia 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.