Best for travel card beginners
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Annual Fee
$0
Rewards Rate
1.25 miles-5 miles
Intro Offer
20,000
Credit Score
690-850 (Good – Excellent)
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Product Details
- Earn 20,000 bonus miles after $500 in purchases within the first 3 months, equivalent to $200 in travel.
- Unlimited 1.25X miles on every purchase.
- 5X miles on hotels and rental cars booked through Capital One Travel.
- Miles don’t expire and no cap on earnings.
- 0% intro APR on purchases and balance transfers for 15 months, then a variable APR of 19.99% – 29.99%; 3% fee on balances transferred within first 15 months.
- Redeem miles for travel purchases or book trips through Capital One Travel.
- Option to transfer miles to over 15 travel loyalty programs.
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Our Take
Pros:
- No foreign transaction fees
- No annual fee
- No penalty APR
Cons:- Lower ongoing rewards rate
- Moderate welcome bonus