SavorOne Rewards
Checking your eligibility lets you see offers in as little as 90 seconds with no credit score impact.
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.2
$0 fraud liability
If your card is lost or stolen, you won’t be responsible for unauthorized charges.3
$39 annual fee
Plus, there are no hidden or foreign transaction fees.
CREDIT LINE INCREASE
Be automatically considered for a higher credit line in as little as 6 months.
PURCHASE RATE
29.24% variable APR
TRAVEL & ENTERTAINMENT
Earn 5% cash back with Capital One Travel and 8% cash back with Capital One Entertainment.4
Featured benefits
Free credit monitoring
Use CreditWise from Capital One to check your FICO® Score 8 as often as you’d like and get alerts when your credit report changes.7
Get proactive alerts
Receive an alert if Capital One detects an unexpected charge or potentially suspicious activity on your account.8
Redeem at Amazon.com
Add your card to your Amazon.com account and enroll in Shop with Points to pay for purchases with your Capital One rewards.9
Redeem with PayPal
Use your rewards to make purchases at millions of online stores when you check out using Pay with Rewards.10
Save on travel
If you find a better price on another site within 24 hours of booking an eligible flight, hotel or rental car, you’ll get a travel credit for the difference.11
Explore all benefits13
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.14
Rewards redemption
Redeem rewards with PayPal
Use your Capital One rewards on eligible purchases at millions of online stores.10
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.9
Shopping
Access Capital One Offers
Cardholders have exclusive access to earn statement credits or rewards by shopping online at thousands of retailers, like Adidas, Macy’s and more.
Enjoy an extended warranty
You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.15
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.16
Enjoy concierge service
Receive complimentary, personalized assistance in dining, entertainment and travel—24 hours a day, 365 days a year.
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.15
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.8
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.7
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.817
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.7
Transfer a balance
Transfer your higher-rate balances onto a Capital One card.18
Security features
Get $0 fraud liability
If your card is lost or stolen, you will not be responsible for unauthorized charges.3
Get security alerts
Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
Lock your card
Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen.19
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
Want to see more cash back cards?
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.