The WalletNoodle take
1.5% on eligible everyday purchases.
Flat-rate cash back with no annual or foreign transaction fee.
What stands out
- 1.5% on eligible everyday purchases.
- No annual fee.
- No foreign transaction fee, confirmed by the issuer.
- Welcome offer: $200 after $500 in purchases within 3 months of rewards enrollment. See who may not get it
Watch out for
- The higher travel rate requires the issuer's travel portal. Interest and transfer fees can outweigh cash back.
- A $0 annual fee doesn’t mean every fee is $0. See interest and fees below.
How the rewards work.
- 1.5% on other eligible purchases.
- 5% on hotels, vacation rentals and rental cars booked through Capital One Travel.
- Rewards apply to net purchases; transfers and cash advances do not earn rewards.
These rates apply to eligible purchases. The issuer decides which purchases count, and category rules and caps can change. Rewards are usually small next to interest. If you carry a balance, interest can cost more than you earn.
The welcome offer and its strings.
Welcome offer$200 after $500 in purchases within 3 months of rewards enrollment.
Who may not get it
- Previous new-cardmember bonus for this product in the past 48 months makes you ineligible.
- The offer can vary by page or application channel. Confirm current terms with Capital One.
Check the spending amount and time limit above. Spending more than you planned just to earn a bonus can cost more than the bonus is worth.
Interest and fees, untangled.
Regular purchase APR (variable)18.74%–28.74% variable
Intro APR offer0% on purchases and transfers for the first 15 months, then 18.74%–28.74% variable APR.
Balance-transfer fee3% on transfers posting in the first 15 months. Later promotional transfers: 4%; transfers at purchase APR after month 15: no transfer fee.
Foreign transaction fee0%
Annual fee$0
After the introductory period, the disclosed variable APR tiers are 18.74%, 24.74% or 28.74%, based on creditworthiness.
- APR is the yearly interest rate on a balance you don’t pay off in full. “Variable” means it can change over time.
- The range is what Capital One showed when we checked on Oct 11, 2026. It is not a promise of your rate; the issuer sets that when it reviews an application.
- An intro APR is temporary. When it ends, the regular variable APR above applies to any remaining balance.