Annual Fee
$0
Foreign Txn Fee
$0
Credit Needed
Good to Excellent (690+)
APR
18.49%–28.49% variable
Rewards Categories
8x Capital One Entertainment purchases
5x Hotels, vacation rentals, rental cars via Capital One Travel
3x Dining, entertainment, popular streaming, grocery stores (excl. superstores)
1x All other purchases
Benefits
No annual fee
Cash back transferable to Venture/Venture X miles at 1:1
Complimentary Hertz Five Star status
No foreign transaction fees
Auto rental collision damage waiver
Extended warranty and purchase protection
Welcome Bonus
$200 cash bonus after spending $500 in first 3 months
Pros & Cons
Pros
Strong 3x on dining, entertainment, and groceries with no annual fee
Cash back convertible to Venture miles for travel transfers
No foreign transaction fees, unusual for a no-fee cash back card
Cons
Grocery bonus excludes superstores like Walmart and Target
1x base rate on most non-bonus spending
Best For / Worst For
Best For
People who eat out and stream a lot but don't want an annual fee
Worst For
Big-box grocery shoppers, since superstores are excluded from the 3x category
Reward Valuation
Cash back redeemable dollar-for-dollar, or convert to Capital One miles at 1:1 for transfer partner value (~1.7–1.85 cents).
Insurance Benefits
Auto Rental Collision Damage Waiver
Secondary coverage when declining the rental company's insurance
Extended Warranty
Extends eligible manufacturer warranties
Purchase Protection
Covers new purchases against damage/theft
Approval Odds
Generally requires good to excellent credit (690+).
Historical Welcome Offers
June 2026
$200 cash bonus after $500 spend in 3 months
User Reviews
Feb 2026
Great dining card, no fee
I convert my cash back to Venture miles for trips. Best of both worlds for a $0 fee card.
— F.D.
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Last verified June 2026