| Category | Rate | Type | Cap |
|---|---|---|---|
|
Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
Earn 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel. Does not apply to bookings made directly with hotels or rental car companies.
|
5x | Cash Back | No cap |
|
All Other Purchases
Earn unlimited 1.5% cash back on every purchase, every day, with no rotating categories, no caps, and no expiration on rewards for the life of the account.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
No annual fee charged for this secured card, keeping the total cost of card ownership at $0 beyond the refundable security deposit.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency.
|
Financial | 0% foreign transaction fee |
|
Refundable Security Deposit
A refundable security deposit of $200 or more is required to open the account; the deposit amount determines the initial credit limit and is returned upon account closure in good standing or upgrade to an unsecured card.
|
Financial | Refundable deposit from $200 |
|
Auto Rental Collision Damage Waiver
Secondary coverage for damage or theft of an eligible rental car when the full rental is paid with the card and the rental company's insurance is declined.
|
Insurance | Complimentary (secondary coverage) |
|
Extended Warranty Protection
Extends the original manufacturer's warranty by one additional year on eligible purchases made with the card.
|
Insurance | +1 year on eligible warranties |
|
Travel Accident Insurance
Provides automatic coverage for accidental death or dismemberment when traveling on a common carrier fare paid with the card.
|
Insurance | Complimentary |
|
Capital One Café Discount
Cardholders receive 50% off all handcrafted beverages at any Capital One Café nationwide.
|
Lifestyle | 50% off beverages |
|
Capital One Entertainment Access
Access to cardholder-exclusive VIP packages, pre-sales, and tickets to events across music, sports, dining, and theater through Capital One Entertainment.
|
Lifestyle | Complimentary access |
|
Capital One Mobile App
Full-featured mobile app for viewing balances, making payments, monitoring rewards, setting account alerts, and accessing Eno virtual assistant.
|
Other | Complimentary |
|
CreditWise Credit Monitoring
Free access to CreditWise from Capital One, providing credit score tracking, credit report monitoring via TransUnion and Experian, and dark web monitoring.
|
Other | Complimentary |
|
Automatic Credit Line Review
Cardholders are automatically considered for a higher credit line in as little as 6 months with responsible card use, with the possibility of upgrading to an unsecured Capital One card.
|
Rewards | Complimentary |
|
Cash Back Never Expires
Rewards do not expire for the life of the account and there is no minimum redemption amount required.
|
Rewards | No expiration |
|
Cash Back on Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
Earn unlimited 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel.
|
Rewards | 5% cash back |
|
Cash Back Redemption Flexibility
Rewards can be redeemed for statement credits, checks, gift cards, Amazon.com purchases, PayPal checkout, or Capital One Travel bookings with no minimum redemption amount.
|
Rewards | No minimum redemption |
|
Flat-Rate Cash Back on All Purchases
Earn unlimited 1.5% cash back on every purchase, every day, with no rotating categories, no caps, and no category restrictions.
|
Rewards | 1.5% cash back |
|
$0 Fraud Liability
Cardholders are not responsible for unauthorized charges if the card is lost or stolen.
|
Security | $0 liability |
|
Card Lock
Cardholders can instantly lock and unlock their card via the Capital One Mobile app if it is misplaced, lost, or stolen.
|
Security | Complimentary |
|
Security Alerts
Capital One notifies cardholders via text, email, or phone if potentially suspicious activity is detected on the account.
|
Security | Complimentary |
|
Virtual Card Numbers (Eno)
Capital One's Eno virtual assistant allows cardholders to generate virtual card numbers for safer online shopping, protecting the actual card number from data breaches.
|
Security | Complimentary |
|
Capital One Shopping
Free browser extension that automatically applies coupon codes at checkout and alerts cardholders to price drops on items viewed or purchased.
|
Shopping | Complimentary |
|
24-Hour Travel Assistance Services
Around-the-clock travel assistance including emergency card replacement and emergency cash advance if the card is lost or stolen while traveling.
|
Travel | Complimentary |
|
Capital One Travel Access
Access to Capital One's online travel booking portal for flights, hotels, vacation rentals, rental cars, and activities, with price prediction tools and price drop protection.
|
Travel | Complimentary access |
