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Updated October 29, 2026
Key Details
Annual Fee
$95
APR
Always pay your balance in full each month to avoid interest charges. Use credit responsibly.
19.49% - 28.49%
Welcome Bonus
75,000 miles
+ $250 travel credit when you spend $4,000 in first 3 months
Credit Needed
good
690+ credit score
Rewards Structure
Everyday Purchases2x
Hotels - Travel Portal5x
When booked through the Capital One travel portal
Rental Cars - Travel Portal5x
When booked through the Capital One travel portal
Vacations - Travel Portal5x
When booked through the Capital One travel portal
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Transfer Partners
airlines
Transfer ratios indicate the conversion rate when moving points to partners. A 1:1 ratio means you get 1 airline mile for every 1 credit card point transferred.