Quick verdict
Best for people who want premium perks for under $400 af. Skip if you'd rarely use lounges or the capital one travel portal. the portal can be more expensive than booking direct.
🎁 Welcome bonus
75,000 miles after $4,000 spend in 3 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Hotels & rental cars (Capital One Travel) | 10x | miles |
| Flights (Capital One Travel) | 5x | miles |
| Everything else | 2x | miles |
Points/miles valued at 1.50¢ each (CreditStud.io estimate based on typical travel redemption).
💰 Annual Credits ($400 total face value)
| $300 annual travel credit (Capital One Travel) | $300 |
| 10,000 anniversary bonus miles ($100 value) | $100 |
Credit value depends on you actually using them. Many credits are split monthly or semi-annually, so factor in your usage habits before counting them against the AF.
✨ Perks
- Priority Pass + Capital One Lounge access (cardholder + 2 guests)
- Hertz President's Circle elite status
- TSA PreCheck/Global Entry credit ($120 every 4 years)
- Cell phone protection
- No foreign transaction fees
- Visa Infinite benefits (concierge, lost luggage, travel emergency)
🎯 Who should consider this card
✅ Best for
- People who want premium perks for under $400 AF
- Travelers who book through 1–2 portals
- Anyone tired of the 5/24 rule
❌ Skip if
You'd rarely use lounges or the Capital One Travel portal. The portal can be more expensive than booking direct.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.