<p>Savor Rewards</p>Savor Rewards
Earn a $200 bonus with no annual fee1
Savor Rewards
Savor rewards
Earn unlimited 3% cash back at grocery stores, on dining and entertainment, plus a $200 cash bonus.21

Checking your eligibility lets you see offers in as little as 90 seconds with no credit score impact.

Earn $200

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.1

$0 annual fee

Plus, there are no hidden or foreign transaction fees.

Earn 3% cash back

Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.3

ENTERTAINMENT REWARDS

Earn unlimited 8% cash back on Capital One Entertainment purchases.4

TRAVEL REWARDS

Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.

LOW INTRO APR

0% intro APR for 12 months on purchases and balance transfers; 18.74% - 28.74% variable APR after that.5

Slide the bar to see your rewards10

Monthly spend
3% at grocery stores & on dining
$
$1,250
3% on entertainment & streaming
$
$1,250
1% on all other purchases
$
$1,250
You could earn $1,050 in cash back per year. You could earn&#160;$<span class="spend-headline-result grv-tw-heading-large-emphasized lg:grv-tw-heading-x-large-emphasized">1,050 in&#160;cash back per year.

Explore all benefits11

Events & exclusives

Access exclusive events

Enjoy 8% cash back on Capital One Entertainment purchases and access to can’t-miss events across music, sports, dining, theater and more with a collection of VIP packages, exclusive pre-sales, tickets and onsite perks. Explore Capital One Entertainment.4

Get 50% off handcrafted beverages

Capital One cardholders enjoy 50% off all handcrafted beverages every day at any Capital One Café nationwide. Find your Café.12

Rewards redemption

Redeem rewards with PayPal

Use your Capital One rewards on eligible purchases at millions of online stores.7

Redeem rewards your way

Rewards don’t expire for the life of the account—redeem cash back for any amount.

Shop at Amazon.com

You can pay for Amazon.com purchases using your Capital One rewards.8

Shopping

Enjoy an extended warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.13

Save with Capital One Shopping

This free browser extension automatically applies the best available coupon codes at checkout and alerts you when prices drop on items you’ve viewed or purchased. Capital One Shopping is free for everyone, whether or not you have a Capital One credit card.

Travel

Book with Capital One Travel

Earn unlimited 5% cash back on hotels, vacation rentals and rental car bookings. Plus, save an average of 15% on flights with price prediction from Capital One Travel.14

Enjoy concierge service

Receive complimentary, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.

Get 24-hour travel assistance

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.13

Get Hertz Five Star® status

Get free status upgrades, skip the line and choose from a wider selection of rental cars.9

No foreign transaction fees

You won’t pay transaction fees when making purchases outside of the United States.

Travel with accident insurance

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.13

Account management

Add an authorized user

Add an authorized user to your account and track spending by user.

Chat with Eno

Chat with Eno, your Capital One assistant, over text, online or in the Mobile app for quick answers to your account questions.15

Get 24/7 customer service

Helpful customer service representatives are available to assist you 24 hours a day.

Get instant purchase notifications

Stay on top of your spending by receiving a push notification each time a new purchase is approved on your account.

Monitor your credit for free

Use CreditWise from Capital One to check your FICO® Score 8 as often as you’d like and get alerts when your TransUnion® or Experian® credit report changes.16

Help never miss a payment

Set up AutoPay for your account and your payments will be made automatically every month.

Receive account alerts

Receive an alert if Capital One detects a potential mistake or unexpected charge, like a duplicate purchase or a sudden recurring bill increase. Track recurring merchants and other frequently used merchants where your card is stored online.1517

Stay on top of your account

Manage your account anywhere, anytime, with the Capital One Mobile app. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise from Capital One.16

Transfer a balance

Transfer your higher-rate balances onto a Capital One card.18

Security features

Get security alerts

Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.

Get $0 fraud liability

If your card is lost or stolen, you will not be responsible for unauthorized charges.19

Lock your card

Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen.20

Replace your card

If your card is lost or stolen, you can get an emergency replacement.

Use virtual cards

Pay for online purchases with virtual cards and keep your physical card number to yourself.17

Explore more cash back cards

Frequently asked questions

How does Capital One determine which purchases qualify for cash back?

Every time you buy something, the merchant assigns your purchase a category code. We use these codes to figure out how much cash back you earn. Please note, Capital One is not responsible for codes used by merchants.

 

Some merchants that sell food and drinks that are located within larger establishments—such as hotel restaurants or grocery store food counters—and some food trucks or food carts may not categorize themselves as dining merchants.

 

Purchases made through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets, or similar technology may not receive a higher percentage reward, depending on how the technology is set up to process the purchase.

What counts as a grocery store?

Supermarkets, meat lockers, freezers, dairy product stores and specialty markets count. Superstores like Walmart® and Target® are excluded.

What counts as dining?

Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries count as dining.

What counts as entertainment?

Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys count. Golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services are excluded.

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