François CharronPowered by Milesopedia

Pros & Cons

Pros

  • +Purchase protection included
  • +No annual fee

Cons

  • Foreign Transaction Fee (2.5%)

Rewards

All Spending

1x

pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/month
Gas & EV1x
$200/month
Transit1x
$100/month
Restaurants1x
$300/month
Pharmacy1x
$50/month
Travel1x
$150/month
Bills & recurring payments1x
$250/month
Telecom1x
$150/month
Entertainment & streaming1x
$100/month
Office supplies1x
$0/month
All other spending1x
$500/month

Points Earned

30,000

pts/yr

Estimated Value

$300

After Fees

+$300

1st Year Value

$300

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1x
Total points earned30,000 pts
Value of accumulated points$300

Travel Insurance

Delayed Baggage

Up to $300

Travel Accident

Up to $250,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Up to $65,000 / 31 days

Interest Rates

  • Purchase Rate
    21.9%
  • Cash Advance
    21.9%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

  • $1 in travel rewards for every $100 on all purchases
  • There is no limit to the number of reward miles you can earn.

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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. François Charron 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.